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Alternatives to XEON?

I would like to keep my money in such a fund, to improve the profitability of Trade Republik and, at the same time, to be sure that no stock market crash will leave me without money.

Today it charges 0.10% TER.

What do you recommend as a piggy bank for inactive money?

Thank you.

PS. I already have about €20k in there. But it would be money that I want to differentiate from this one.

7 Comments

TotallyLost@TotallyLost

$CSH2

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Jose@Kspykee

@TotallyLost Thank you for your answer.
In TR it also shows me a 0.10 TER.
How can it improve XEON?
I saw that it just seems to have more profitability, but I don't know if they are different, it has more risk....
I need something with practically zero risk.

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TotallyLost@TotallyLost

@Kspykee In the past, CSH2 has often generated a slightly higher return than XEON (we’re talking about a difference of about 0.05% to 0.1% per year). This is because Amundi’s “smart” management team tries to generate a tiny bit of extra return through the underlying portfolio.

You can’t do better than this if you’re looking for a product that behaves like cash plus interest.

I also don't understand why you want to diversify your cash.
After all, there's deposit insurance up to €100,000.

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Jose@Kspykee

@TotallyLost it would just be peace of mind. One XEON for a deferred payment in one year destined to pay taxes (in one year sell everything) and another as CSH2 as a piggy bank not to sell.
I could leave it all in XEON, which I already have active, as an alternative.

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David@Redfox77

How does $XEON improve the profitability of Trade Republic?

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Jose@Kspykee

@Redfox77 XEON usually has a slightly higher return than TR. Tenths.
A difference that can be 2.02 (TR) VS 2.0x XEON.
In the long run, it pays off.

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David@Redfox77

@Kspykee Given this minimal difference, I prefer the flexibility of the TR account.

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