5J·

Hello everyone,


I want to set up a small share portfolio for my mother-in-law for her pension.

The investment horizon is around 15 years.

She plans to pay in €250 per month.

As soon as the subsidized equity pension option is available (2026), this will also be used.

Now I'm wavering between several options "70-30" method from $IWDA (-0,43 %) and $XMME (-1,54 %) or a $ACWI .

I could also imagine adding a $XDWT (+0,98 %) to add.

Do you have any suggestions or impressions?


Thank you for your ideas!

#aktienrente
#etfs
#rente

2
16 Commentaires

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Everything goes into the ACWI and that's that.
24
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If it's grandma and she's never had anything to do with shares, I would urge caution!
Not everyone can cope with a 50 or 60% slump, as stocks have already had a few times. The stress level often rises to such an extent that beginners sell at the lowest point and never want to talk about it again.

Ergo: a pure equity ETF solution is not for grandma because of the vola. An allocation with lower volatility would be better, e.g. Ray Dalio's all-weather portfolio. It rises less, but almost always. It's much more relaxed for Grandma. And ultimately for you too.
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ACWI and that's it 👌🏼 It couldn't be simpler and there's probably no better price/performance ratio than this either
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With the departure of Mr. Lindner, the share pension has unfortunately become a distant prospect for the time being.
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All in World and ready👍

You have my respect for the idea and for the future implementation!!!
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Would not interfere in the finances of family and friends
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Is the equity-based pension still an issue? Has it already been decided?
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