Hello everyone,
First of all about me:
I'm 21 years old, I'm doing a dual degree and have been investing since 07/2023. So far, my portfolio has a size of approx. 17,000€.
My plan is to invest approx. 70% in the $ISAC (+0,5 %) and 30% small growth stocks such as $HIMS (+0,61 %) , $SOFI (+1,94 %) , $MSFT (+0,22 %) etc.
The idea behind investing is mainly to supplement my pension and to ensure that the money in my current account is not gradually eaten up by inflation...; i.e. the investment horizon is 30-35 years.
Now to my actual question to you, to get one or two more experienced opinions :)
Until I was 18, my parents regularly saved in a building society savings account, which has been "lying around" with an annual interest rate of 3%.
For over a year now, I've been toying with the idea of closing the building society savings account and transferring most of it to the $ISAC (+0,5 %) for the most part.
The building society savings plan was only opened to save money and therefore, after a short time, the waiver of the reduced loan for later housing construction etc. was declared.
As a result, a premium of around €2,500 would be added to the amount of around €15,200 when it was paid out.
In this respect, the idea of reallocating came to me, but I wanted to get one or two opinions from a neutral perspective beforehand in order to weigh it up again...
When I spoke to the contact person at my bank on the phone two days ago without obligation and mentioned my idea, he wasn't so convinced, as the "stock market harbors great risks".
He was also very enthusiastic about the Uniglobal investment fund $DE0008491051 investment fund and that the bank would also offer this for me, although this idea didn't really appeal to me and I now prefer the $ISAC (+0,5 %) prefer.
What do you think of the bank advisor's idea?
Otherwise, I would be grateful for any opinions and wish you a pleasant evening and a nice rest of the weekend :)
