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In principle, I agree with you about the holding period, etc.. However, savings plans on individual stocks are not only made nowadays to avoid market timing, but also because there are many popular individual stocks that most people cannot afford to buy as whole shares. If I want to participate in Amazon or Alphabet, for example, and I'm not exactly among the top ten thousand, I can't do that without savings plans. Personally, I'd like it if - as with cryptocurrencies - it were also possible to buy shares of individual stocks outside of savings plans. For a fee, if you like...
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@DerLeeh you can do via eTorro. They are fractional shares for derivatives.
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@Pat83 Then again, I don't want that either. So I'd rather just run the savings plans. 😏
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@Der_Leeh so I am not one of the top 10,000 and have "treated" myself to a total of 4x Amazon and 1x Alphabet (last, in March 2022). Apart from the bad time to buy: it wasn't a Lindt share. If you do not yet have a family and earn at least average, it is already possible mMn. Of course, diversification is then more difficult. But there are not that many share prices > €1,000.
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@KevinC Kevin...🙄 Now that both mentioned "only" cost <100€, I can also "treat" myself to whole shares. But the post is from the time, before the last stock split. Since the value of the Alphabet share was still around 2.2k and the Amazon share around 2.4k...😉
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@Der_Leeh if you had read my comment correctly, you would also have seen that my purchase time for both shares was before the split. With 10€ order fee I never buy below 1k€.
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@KevinC Accordingly, I now have 80x Amazon and 20x Alphabet in my portfolio.
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@KevinC Respect for anyone who can do it. I have two children and a house and car to pay off. That's why I can only invest in somewhat smaller steps, but over time it will be worth it... 😏👍🏻
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@Der_Leeh Paying off children is also good😂😂
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@Der_Leeh All good, I also see a loan for my own property as an investment, even if it's more of a "feel-good" investment. I will also have to reduce my savings rate as soon as I have kids. It's about time, I'll be 33 soon.
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