Hi, I've already told you about my savings plan strategy in the last few days, but I've now adapted it a bit after devouring some interesting books on the subject of savings plans and ETFs over the past few days.
My plan is now as follows: I will invest 122 euros per week in the following components via weekly savings plans (due to the cost-average effect):
$SDIP (-0,3 %) with EUR 5
$CSCO (-0,3 %) with 5 EUR
$NOVO B (+8,45 %) with 10 EUR
$ALV (+0,2 %) with 10 EUR
$SAP (-0,49 %) with 10 EUR
$TDIV (+0,39 %) with 12 EUR
$ESE (+0,18 %) with 15 EUR
$VHYL (+0,09 %) with 25 EUR
$VWRL (+0,18 %) with 30 EUR
This is a mixture of distributing and accumulating dividends, most of which will be reinvested (as planned). I did a bit of math (assuming that I don't increase the savings flow, i.e. thinking defensively) and calculated the worst case (i.e. only the savings installments without reinvesting the dividends paid out) and the best case (on the basis). This then resulted in an additional pension (tax-adjusted according to current assumptions) of between 300 and 700 euros when you retire... It's your own fault if you start late with something like this, but otherwise it's better than nothing.
In addition, there will probably be increases in the savings plan over the years (through salary increases and the like) as well as one-off investment injections through, for example, tax refunds on income tax or other "special payments" that are not integrated into the monthly income, so that the path here is probably a little over the 700 euros... Oh yes, the income is now the pure dividends that come from retirement - no sales proceeds are included.
Personally, I'm quite happy with this as a basis on which to build... Together with the Riester pension, company pension and possibly the state pension (if it still exists in 17 years' time), this should hopefully be enough to survive :-)
