2J·

Bond ETFs, the safe way to park money?

I am currently looking for an asset to build up and park a monthly sum via a savings plan for 2 to 3 years. Stability, security and a little return are important to me.

One option would have been the TradeRepublic cash account with its current 3% interest rate. However, I don't like the fact that I can't tell the difference between parked money and free capital.

During my search, I came across bond ETFs with distributions that could provide me with exactly that with my current knowledge.

My option: $IBTU (-0,02 %)

The iShares USD Treasury Bond 0-1yr UCITS ETF invests in short-term US government bonds with remaining maturities of 0 to 1 year. It offers a high level of security, as the bonds are guaranteed by the US government, and is ideal as an alternative to call money accounts or for capital preservation. The main risks are exchange rate fluctuations (USD/EUR), low returns in periods of low interest rates and the effects of inflation. Perfect for security-conscious investors!

Have I overlooked something in my considerations? Do you have a better alternative?

https://www.ishares.com/de/privatanleger/de/produkte/307241/ishares-treasury-bond-0-1yr-ucits-etf

#anleihen
#etfs
#kapital
#sparen

www.ishares.comVielfältige Anlagelösungen mit iShares ETFs | iShares DE - BlackRock

40 Commentaires

Chandra@Chandra

Maybe take a look at $XEON?

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Uwe@SchlaubiSchlumpf

I haven't really looked into exchange rate risks, as they haven't really played a role for me so far. But I think the exchange rate risk works against the desire for a safe solution here, as exchange rates can make a lot of nonsense in the short term. Personally, I would go for a slightly lower-yielding option in my own currency.
But as I said, I haven't looked into it that much.

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Rmann@Epi

The ETF is essentially a bet on a rising USD. Quite speculative and volatile, especially with Mr. T. I have one of these running in my GTAA model right now.

Your idea of a safe investment is more in line with a hedged US short: $PR1H

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Iwas M.@SSIT

$EUHA would be my choice. But bear in mind the spread costs. So over a few months, it's not even that good, but over a savings phase of years, the additional return compared to the usual money market ETFs should be clearly noticeable.
$PJSR the somewhat safer, but also lower-yielding choice. The same applies here with the spreads and the term.

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Dividendenopi👴@Dividendenopi

In the short to medium term, unfavorable exchange rates have a greater impact on your investment. If you save now and then leave it for a longer period of time, at least the past has shown that exchange rates are priced in. For the moment, the dollar is expensive again, I'm happy, my USD fixed-term deposit expires at the end of next week, so there's a currency gain on top of 5% interest. If that hadn't been the case, I would have had to leave the money and then convert it when it suits. You can also buy ETFs hedged, but that costs money and is at the expense of the return. To build up a hidden reserve, forgo the return and reduce the risk and take euros. My humble opinion

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Schumi150@Schumi150

If you want to park the money, distributions make little sense. With a standard all-world ETF, the return is technically much better

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Dominik@Dominik_76

I focus on short-dated bonds in the domestic currency, be it Euro Gov or German Gov Bonds or Corp Bonds or money market SWAP. I have oriented myself to Kommer and Walz. For European Gov Bonds I have the 0-6 month bond ETF from Amundi Govies 0-6 M Euro InGrd ETF DR C ISIN: $C3M

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Andreas M.@thor88

I use $IBTS 1- 3 years bonds for the past two years in a 90 VUSA / 10 IBTS portfolio. It's pretty OK up to now.

Otherwise for EUR you can do XEON i got 3.10% for the current year, not bad for EUR.

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