9Mo·

Savings plans Feedback

Hello dear GQ community, I just wanted to share my savings plans and get some opinions on whether it all fits.

These 6 ETFs currently make up ~70% of my portfolio and are to be expanded in the long term. They all have the same weighting at the moment, with the MSCI World getting a little more.

I am 19 years old and would like to build up a long-term portfolio, and these 6 ETFs looked attractive at the time and are doing quite well so far (all about 1 year old)

$ESGB (-3,95 %)
$CSPX (-4,18 %)
$IWRD (-4,4 %)
$IGLN (-2,23 %)
$EIMI (-4,62 %)
$n/a (-5,18 %)

33 Commentaires

Unbekannt@Pirat123

9Mo

I don't understand the €10 strategy!

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Ginkgo@Ginkgo

9Mo

What exactly don't you understand? For me, €10 a week seemed better than €40 a month, as the prices are then better balanced. That's an average of €280 per month for all savings plans, which is currently my target savings rate

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Trust4Finane_@Trust4Finance

9Mo

@GinkgoEZ I am still relatively new to the subject of shares, but I have now read several times that it makes more sense to invest the money in a savings plan at one time, i.e. on a fixed date. Because the "earlier" the money is in the market, the better.

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Ginkgo@Ginkgo

9Mo

I guess that makes sense...
I'll read up on it a bit now and change it at the end of the month if necessary. Thanks for the tip!

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Unbekannt@Pirat123

9Mo

@GinkgoEZ but come across as stupid with "what don't you understand?". If you don't have a clue, you should keep your head down

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Trust4Finane_@Trust4Finance

9Mo

@Pirat123 My God, there are some unpleasant people around here, he normally asked what exactly you don't understand. Your question also made absolutely no sense because it was very imprecisely formulated why you don't understand it

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Ginkgo@Ginkgo

9Mo

@Pirat123 This unnecessarily arrogant comment is just incomprehensible to me right now. I created this post to get feedback and tips, and your short "I don't get it!" comment was simply unclear and not exactly helpful, which is why I asked for clarification. You could have just explained it nicely instead of writing shit like that here.

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Unbekannt@Pirat123

9Mo

@tim_vgt you should also read again: it was never a question! I never asked a question. What's wrong with you people?
If you're going to get upset, please read properly. Always these answers and stalking around, even though YOU are completely wrong...

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Trust4Finane_@Trust4Finance

9Mo

@Pirat123 😂

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Unbekannt@Pirat123

9Mo

@GinkgoEZ if you had informed yourself beforehand, you could have saved your shitty post (to put it in your own language)

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Trust4Finane_@Trust4Finance

9Mo

@GinkgoEZ some people here don't manage that so well 🤷🏽‍♂️

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Voir toutes les 10 autres réponses

Leo@Notiman

9Mo

I think the S&P 500 and MSCI World overlap too much. In my opinion, you should eliminate one and invest more in the other. Otherwise, I think emerging markets and gold are sensible. I can't say anything about your gaming/sports ETF.
Personally, I also save a Europe ETF so that I can regulate my European share, not for regular, consistent purchases.

Hope I was able to help :)

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Ginkgo@Ginkgo

9Mo

@Notiman The gaming/sports ETF is a sector that I personally think is promising and is also my second-best position at the moment. It's a bit unusual (and has a nasty TER) but I'll keep an eye on it for now.

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Floriano@FlorianoPerlini

9Mo

Only Xetra or Euwax II gold because of tax exemption after 1 year holding period and because you can have it physically delivered to you

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Ginkgo@Ginkgo

9Mo

@FlorianoPerlini Unfortunately not available at Trade Republic 🥲

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J.@JohKar

8Mo

@FlorianoPerlini
Which broker can I use, as TR unfortunately does not offer either?

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J.@JohKar

8Mo

According to my research, other ETCs are also tax-free after a holding period of one year: $IGLN is one of them.
Source: https://extraetf.com/de/wissen/besteuerung-von-gold-etc

Can anyone confirm this?

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Louis@Dellou

9Mo

Why 10€ every week? For small amounts, the €1 fee costs you a lot. Think about it: 24€ fee for 240€ volume per month = 10% minus by fee. 6€ fee for 240€ volume per month = 2
5% minus due to fee.

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Ginkgo@Ginkgo

9Mo

@Dellou Trade Republic has no fees on savings plans

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Shavennar@Shavennar

9Mo

@Dellou Savings plans are free of charge at Trade Republic. A fee is only charged for manual orders

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Louis@Dellou

9Mo

@Ginkgo ohh right my mistake

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Luca@LM90

9Mo

if you have free broker buy commissions its ok

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Nico@_Harry_

7Mo

@Ginkgo
Here are my tips for you.
1) The overlap of MSCI World and S&P500 already mentioned in the comments only makes rebalancing more difficult
2) Why do you want an equal weighting?
Constructive solution suggestions from me for 1.) and 2.): Take a look at the ETFs $VWCE or even better $SPYI. With the latter in particular, you can get the best possible representation of the global economy for 0.17% TER. I would always recommend the ACC versions of the ETFs
3) Regarding the €10 per week: "Time in the market beats timing the market". So rather go all in than piecemeal.
4) Basically, having gold in your portfolio is a good approach. However, there is a more tax-efficient alternative to the physical gold ETF from iShares. For example, download the Zero-Broker or Scaleable, open a custody account there and invest in gold at $EWG2 or $4GLD. After a holding period of 12 months, all profits are exempt from capital gains tax. You will have to pay tax on your iShares ETF.

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