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Very nice! Lots of savings, solid investments - now the fruits are being harvested!
As this side of the investment (pension phase) is still rarely discussed, I feel somewhat underinformed. I'm wondering what the perfect (for my profile) de-savings strategy is and what impact it has on my strategy in the savings phase. Unfortunately, there is a lot of superficial and incorrect information online.
I have sooo many questions for someone who is currently in this situation... 🤷
As this side of the investment (pension phase) is still rarely discussed, I feel somewhat underinformed. I'm wondering what the perfect (for my profile) de-savings strategy is and what impact it has on my strategy in the savings phase. Unfortunately, there is a lot of superficial and incorrect information online.
I have sooo many questions for someone who is currently in this situation... 🤷
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@tjwr
I won't have an abundance of money 😂
But I have fallen on my nose several times with partial sales (keyword FIFO). This has a permanent impact on my return and so I have opted for the dividend option.
I won't have an abundance of money 😂
But I have fallen on my nose several times with partial sales (keyword FIFO). This has a permanent impact on my return and so I have opted for the dividend option.
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@tjwr You're a real crash prophet, when will the next one come?
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@Epi From my point of view, what you have written only makes sense if the dividends were not reinvested.
Otherwise you are destroying your own argument that dividends are value-neutral.
Otherwise you are destroying your own argument that dividends are value-neutral.
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@Epi However, there are differences that become particularly interesting in the savings phase. What, how and how much to save are relevant points.
Most of the time, all I read here is nice theory, which could usually only work if you have a portfolio like Saidi from Finanztip, namely just one single accumulating ETF.
As long as you are in the savings phase, portfolios with 50 different securities are no problem at all. If there are 50 dividend stocks, then the decumulation phase without capital depletion is not a problem - otherwise it might be.
Most of the time, all I read here is nice theory, which could usually only work if you have a portfolio like Saidi from Finanztip, namely just one single accumulating ETF.
As long as you are in the savings phase, portfolios with 50 different securities are no problem at all. If there are 50 dividend stocks, then the decumulation phase without capital depletion is not a problem - otherwise it might be.
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