(@TRmmL) sur getquin

1Année·

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Hello you professionals,

I need your advice.

My wife and I have - I think - done something unwise. We were clueless and looked at a fund at Union Investment and took it (Uni Rak Nachhaltig A). I have linked it here.

Front-end load 3% ... grrr. In the meantime, we are smarter. We started in January 2021 ... meanwhile 20k are in it and it is ~10% down since the start of the Ukraine war.

I'm struggling a bit, whether I should just continue to save him (currently about 400 € per month) or I should still pull the ripcord and reallocate in some kind of All World ...

Thanks for your (hopefully benevolent) thoughts.

Jetez un coup d'œil à mon Tableau de bord maintenant !

10 Commentaires

Satoshi Nakamoto@DonkeyInvestor

1Année

Sell immediately and regroup Why it makes sense to sell "bad buys" at a loss https://app.getquin.com/activity/JMQwETSOoS

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Fabzy ✨@Fabzy

1Année

Personally, I would liquidate this thing and also not wait at all until it is back in the plus. The thought that an AllWorld would be the better choice, which it definitely is, will probably not let you go so quickly and you will probably constantly think about switching. Strategy changes, especially if they go on for a loooong time, I would always put above returns 👍 and in this case the return is also rather on the side of the AllWorld.

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Beat The Bank@randomdude

1Année

First of all, the most important thing is that it's great that you started in the first place! The classic advice in such cases is to pull the ripcord immediately. However, you should consider whether the alternative is really an all-world ETF, because that wouldn't be comparable at all. Your current fund is a classic mixed fund, approx. 2/3 stocks and 1/3 bonds. Was that a coincidence? Anyway, it is actually a proven asset allocation. Many investors have done well with this for decades - only last year's performance was historically poor. Before you make a hasty switch, you should take another look at the topics of asset allocation, expected returns and risk-bearing capacity and how you can best reconcile these with your investment goals.

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Tobi60@Tobi60

1Année

I wouldn't continue to save for it if you both don't really want to do it anymore. I would sell it right away and consider the loss as teaching money. I feel better about such things, at least psychologically, when I realize losses and then have them out of my head. But everyone must decide for themselves

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Fabian2301@Fabian2301

1Année

@TRmmL I personally would let it continue to run and wait until +- 1% is and then dissolve. Suspend the monthly savings there and invest in a world ETF.

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news03@user03

1Année

Why continue to put 400 € every month, if you have already realized that it was not so smart 🥴 Better go out and invest in something else

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Fabian2301@Fabian2301

1Année

@DonkeyInvestor because I do not like to sell at a loss 😅

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Daniel@danielsofficial

1Année

I would also go out and then put in the world ETF. In hindsight, you're always smarter and losses can possibly have an impact later on if you sell at a profit. Take a look at the World ETF $XDWL, maybe it's something for you. This is now the distributing variant with 0.12% running costs. For the accumulating variant, look at the $XDWD. Also has an expense ratio of only 0.19%.

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