1Année
The plan sounds well thought out, but has a few pitfalls. 1. what is your starting position and what is your goal? Without that we can only talk roughly. 2. WorldETF is ok, but in combination with S&P500 a bit strange. Either-or. Most people here use the WorldEtf, but there are also good reasons for the S&P500, e.g. the quality of the companies, which is not institutionally ensured in the WorldEtf. 3. you save almost 50% cash. Can be done at the moment, but then you need a clear plan when to buy which stocks or which ETFs. Do you have it? 4. nest egg is an absolute, not a savings plan. 3 months' salary should be enough. If you have that, there is no need to save further on it. 5. Fund-linked pension insurance can be an absolute yield killer. What are your TER on the contract?
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1Année
@Epi
Thank you for your feedback! 1. The goal should clearly be wealth accumulation. Each "savings plan" pursues a different approach here. So I would like to earn returns with the etfs or shares to possibly be able to live on it in old age or possibly times for the house purchase or the like. The pension insurance should pay me a pension in old age and the nest egg for unplanned expenses. 2. Here I have also long considered, but am of the opinion that the U.S. simply yield the most. Bespare both etfs with a smaller amount and the SP500 is up significantly more than the MSCI. The msci should simply serve for even more diversification. 3. with individual stocks I have become more cautious in the last 2 years and would like to buy only quality companies in the future. 4. the high sum comes from the fact that I currently have virtually no nest egg. I would like to end the savings plan at around 10k and then only have to top it up if I need any of it. 5. Since I work as an insurance salesman I of course have a very good pension plan + employee benefits. 👍😊
Thank you for your feedback! 1. The goal should clearly be wealth accumulation. Each "savings plan" pursues a different approach here. So I would like to earn returns with the etfs or shares to possibly be able to live on it in old age or possibly times for the house purchase or the like. The pension insurance should pay me a pension in old age and the nest egg for unplanned expenses. 2. Here I have also long considered, but am of the opinion that the U.S. simply yield the most. Bespare both etfs with a smaller amount and the SP500 is up significantly more than the MSCI. The msci should simply serve for even more diversification. 3. with individual stocks I have become more cautious in the last 2 years and would like to buy only quality companies in the future. 4. the high sum comes from the fact that I currently have virtually no nest egg. I would like to end the savings plan at around 10k and then only have to top it up if I need any of it. 5. Since I work as an insurance salesman I of course have a very good pension plan + employee benefits. 👍😊
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1Année
@Finanzios I could still check on every point and crucial information is still missing. But overall it fits for you. Good luck! 👍
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