Investment savings contracts or allin or a mixture

Hello everyone,

I'm thinking of investing a bit over 15k in the near future, but I'm not sure what makes the most sense.

The starting position is as follows:

Monthly savings plan runs to

Weekly

Now my consideration:

1 - All In in all three ETF's at 1/3 each.

2 - invest 20% directly in each ETF and increase the monthly savings plans to weekly with the same savings rate as before, so that I can buy more in the event of a price drop.

3 - Simply adjust the savings plans weekly so that the sum is used up after a year and then return to the monthly savings rates at the current time.

What do you think makes the most sense? Perhaps also with a short explanation of why you think this.

Thank you and have a nice Sunday.

Carsten

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Update and resolution :

Thanks for the comments and food for thought.

I will pursue the following strategy:

$IWDA (+0,18 %) 4000,-

$TDIV (+0,22 %) 4000,-

$SGBS (-1,22 %) 2000,-

As direct investments

The savings rates are switched to weekly and are then spread as follows, with all ETFs being used equally.

Weekly 300,- until the end of November.

Each ETF will therefore be served with 100 euros per week until the beginning of December.

Then the savings rate will fall back to the previous level of EUR 160 per month per ETF.

If there is another price drop, I can change the strategy and then buy more with what is available at the time.

I think I can sleep well with that.

Thank you very much for your input.

Carsten

Hau I@Haui

1Mo

Theoretically, everyone will probably tell you that "time in the market" beats "timing the market", which would argue in favor of investing everything directly. However, as it is usually more relaxed psychologically if not everything is invested straight away, I would personally invest a portion directly and let the rest run via a savings plan. Especially as we are currently relatively high up in many indices. In the end, however, it's probably a matter of taste.

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Kein Spekulant@randomdude

I invested a large amount for our children in the FTSE All World with one-off purchases at the beginning of February. Since then, I would advise you to go for option 2 or 3 😅

Epi@Epi

Perhaps this is an opportunity to think about currency-hedged ETFs?

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Super_Geroy@Super_Geroy

Not option 1, as this takes away your opportunity to buy cheaply in the event of a crash in the next few months or to enter a new share. (As you yourself wrote under 2.)

Investment savings contracts or all-in or a mixture