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Ella Marie Waschbär · 2021-12-17T14:47:40.957077Z

Moin, habe Mal eine Frage, die mich beschäftigt. Ich habe von "früher" noch zwei Sparpläne bei der Deka laufen. Einmal $OG7X (Deka MegaTrends CF 40€ mntl.) und $D6RK (DekaFonds-TF 50€ mntl.). Beim dekafonds habe ich keinen Ausgabeaufschlag aber trotzdem 2,19% Gebühr pro Jahr. Beim MegaTrends hab ich 3,75% Ausgabeaufschlag plus noch laufende Gebühr von 1,48%. Ich weiß, dass diese wohl teuer sind aber ich habe beim MegaTrends bereits 80% Gewinn und beim DekaFonds auch schon 70%. Die laufen beide super und ehrlich gesagt scheue ich mich die zu verkaufen oder stillzulegen. Ich weiß auch nicht, wie ich einen vergleichbaren ETF finde, denn der Megatrends rennt gut. Das war der erste Fonds in meinem Leben, der nun seit 12 Jahren läuft. Meine Fragen daher: Wie finde ich vergleichbare ETFs? Sollte ich die Sparpläne stoppen oder einfach weiterlaufen lassen? Ich brauche einfach Mal ne Meinung, weil ich mich nicht entscheiden kann. Danke, wer bis hierhin gelesen hat.

Ella Marie Waschbär

@DividendenWaschbaer

3Année·

Moin,

I have a question that keeps me busy. I still have two savings plans with Deka from "earlier". Once $OG7X (Deka MegaTrends CF 40€ mntl.) and $D6RK (DekaFonds-TF 50€ mntl.). With the dekafonds I have no issue surcharge but still 2.19% fee per year. With the MegaTrends I have 3.75% front-end load plus still current fee of 1.48%.

I know that these are expensive but I have already 80% profit with the MegaTrends and 70% with the DekaFonds. They both run great and honestly I'm afraid to sell or shut down.

I also do not know how to find a comparable ETF, because the Megatrends runs well. That was the first fund in my life that has now been running for 12 years.

My questions therefore:

How do I find comparable ETFs?

Should I stop the savings plans or just let them continue?

I just need Mal ne opinion, because I can not decide.

Thank you, who has read this far.

6 Commentaires

MoneyMaker@InvestmentDon

3Année

2.19% fees is find already very high🙀 I would sell and reallocate to another ETF. Just for comparison, the very normal msci world has made over 100% since 2016. In addition, the even better diversified and costs only 0.2% 🚀🚀

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SharkAce@SharkAce

3Année

Just look comparatively what return you would have with a World over the same time. If the value is the same or significantly higher, I would switch quickly 😅

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Ella Marie Waschbär@DividendenWaschbaer

3Année

@SharkAce Good idea. It took a while but I've got it now. 😅
So for the World, the Dekafonds TF has actually generated less overall over the 6-year period. However, the Dekafonds is linked to the DAX. Despite the front-end load and ongoing costs, the MegaTrends only generated €100 less than the World over the 12-year period. So I know that I can stop the DekaFonds 😁 Thank you. I could have come up with the idea myself...

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SharkAce@SharkAce

3Année

@Thronar no problem and you have to remember that you would have more at your disposal with the World as the fees are significantly lower. So in the end it's probably more than just the €100.

But calculating that would be an unnecessarily high effort 😂 End of the story ETFs almost always beat funds

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Gamla S.@gamlasvensk

3Année

I feel the same way, the megatrends runs as a vl and then I also have the bAV, which I save for myself. It's also difficult for me to part with it, as both are doing quite well. I definitely wouldn't take out a new VL with Sparkasse again, once the contract is over I'll switch to an etf (but scalable, for example, doesn't offer that at all and I just didn't want another provider). Until then, I'll stick with megatrends. The megatrends also consists mainly of the standard tech stocks, it's not that special. But you're smarter afterwards. I don't know whether I'll sell it after the VL period has expired.

I also don't know yet if and when I will part with the bAV.

So I'm like you, even though I know they're expensive, I'm still keeping them.

And there are much worse alternatives, like not investing or Mirk Düller

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Evgenja@evgenja

3Année

The same here. I started investing with it and wasn't even aware of the rather high costs. Regardless of the good return, the shift will be worthwhile in the long term.

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