Good evening,
I currently have the $ISAC (+1,28 %) and the $500 (+0,98 %) in my portfolio. I'm thinking about selling the $500 and putting it into the $ISAC (+1,28 %) because it has the highest weighting of the same stocks anyway. That way I can reduce my USA share. The investment case for the S&P 500 was the strong US economy, which is now weakening a little. I would take the performance of the big players $ISAC (+1,28 %) also take with me.
What is your opinion?
Good morning,
Briefly about me. I am 20 years old and have been saving in my savings plan since November 2021. $500 (+0,98 %) savings plan.
Initially with €100 per month as I was still in training, then from September 2022 with €350 per month and since January 2024 now with €600 per month.
My investment period will hopefully be 30-40 years according to current plans.
With the increase in the savings rate from €350 to €600, I have also gone from $500 (+0,98 %) to the $CSPX (+0,97 %) due to the lower TER and the overall better data.
The crypto savings plans have only been running since October 2022 with €40 per month in $BTC (-0,01 %) and €20 per month in $ETH (+0,08 %) and will continue to run for the foreseeable future and may be increased from time to time.
The $TTWO (-0,18 %) I bought the share on 15.11 at €142.42 per share and will leave it in my portfolio for a while yet.
The Ginmon VWL position is my capital-forming benefits, which unfortunately I can only track poorly here, so only the paid-in and current value is available.
In my opinion, the cash balance of just over €9,000 is a little too high, but I'm also planning to buy a new bike in 2024. A little fun is a must.
I think it's a shame that the money on TradeRepublic means that everything here is included in the performance and of course has a massive negative impact on it.
Thanks for the constructive feedback :)
Switch ETF?
Hello everyone,
I have been saving the S&P since October 2021 $500 (+0,98 %) initially still in training and only since July 2022 with 350 € per month, which now results in a value of approx. 7,500 €.
Now I've been thinking about switching to the $CSPX (+0,97 %) as it is from iShares, has 10 times the fund volume, is fully replicated and has a TER of 0.07%.
in comparison:
$500 (+0,98 %) / $CSPX (+0,97 %)
Fund volume: 6.39 billion / 61.77 billion
Provider: Amundi / iShares
Replication: Synthetic / Complete
RATE: 0.15 % / 0.07 %
If you look at this breakdown, the iShares fund $CSPX (+0,97 %) from iShares is much better.
However, I'm not sure whether it's worth liquidating and switching the old ETF or simply stopping the savings plan and investing in the new ETF.
The new $CSPX (+0,97 %) would then be saved with a savings rate of €600 - €800 per month.
Please let me know your opinion or what you would do in this situation.
Greetings Tobi
Share analysis
A question for all of you old-timers here.
In addition to my $500 (+0,98 %) ETF in the future to deal more with individual stocks.
My question is this:
How would you guys best inform yourselves in the topic of stock analysis/stock valuation.
For example, are there any programs or YouTube channels or other sources that you can recommend for getting started? Maybe even a book :)
I've already searched a bit on Google, but I'd like to hear a few more recommendations from people like you who have been doing this for a while.
Thanks in advance :)
BTC & ETH
Hello all,
I have considered to invest in addition to my $500 (+0,98 %) a small savings plan with a total maximum of 100,- € in $BTC (-0,01 %) & $ETH (+0,08 %) on the platform Bidget. The fees of 0.1% per execution are also manageable.
However, I am still quite unsure about the platform, since Bidget is not really very well known in German-speaking countries and many advise Bitpanda, Kraken or similar.
Feel free to write me your opinion or alternatives in the comments.
