2Sem.·

Savings plan

After the somewhat more restless phase, I was undecided as to whether I should run my savings plans on a monthly or weekly basis. The only option that was out of the question for me was to suspend. In the end, I stuck with monthly deposits. And how do you handle this?

25.04

Vanguard FTSE All-World ETF

Acheté x6,696 à 112,00 CHF

750,00 CHF

23 Commentaires

Sauerland_Investor@Sauerland_Investor

2Sem.

Middle way: 2x per month

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Phillippe Kaufmann@Phillippe

2Sem.

@Sauerland_Investor exciting 🧐 would of course also be a possibility

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UnknownMakaroV601@UnknownU

2Sem.

@Sauerland_Investor That's exactly how I see it. Just 2-3 times a month.

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Maximilian@Maximilian_GHG

2Sem.

@Sauerland_Investor weekly for me 😂

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Sebastian@Sebastian24

2Sem.

I had also toyed with the idea of changing the rhythm, but strictly speaking it's another attempt at timing, so it's better to continue bluntly and do everything once a month.

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Phillippe Kaufmann@Phillippe

2Sem.

@Sebastian24 I agree with you 1 to 1. Even if the temptation was great, at least for me

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investment_guru_2035@investment_guru_2035

2Sem.

I've been doing weekly runs for about a year now.

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Metis@Metis

2Sem.

I switched to weekly after the first price dips because of 🍊 and will switch back to monthly when I think it makes more sense to increase the intervals of the savings plan again.
I can hardly buy manually because I don't have much cash, but I can still reduce the buy-in in several places simply by executing the savings plan more than once.

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Phillippe Kaufmann@Phillippe

2Sem.

@Metis I had similar thoughts 💭 but decided against it in the end. However, I am actively building up a larger cash ratio in order to have funds available in the event of a major setback in the future ✌🏻

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Metis@Metis

2Sem.

@Phillippe Unfortunately I'm not that far along yet, I'm saving cash for another purpose on the side. :D Hence the decision to adjust the savings plan interval. But the monthly savings amount hasn't changed as a result.

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Bardok@AE23

2Sem.

I take the middle way. Twice a month.
You also take a lot of fluctuations with you.
But there was once a comparison.
It was once on the podcast "alles auf Aktien"
They "ran" a weekly savings plan and a monthly savings plan on the MSCI World.
It turned out that there were no significant performance differences between the variants over 20 years.
The weekly plan performed a little better.
But that was in the 0, range

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Phillippe Kaufmann@Phillippe

2Sem.

@AE23 interesting 🧐 I think the most important thing in the end is that you invest. But the middle way sounds like a good compromise

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Manuel@Variett

2Sem.

Also on a monthly basis, it doesn't make any sense to suspend when prices are falling, I agree :D

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Phillippe Kaufmann@Phillippe

2Sem.

@Variett 👍🏻 Cost averaging sends its regards

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Thomas@Thomas_1963

2Sem.

Switched to weekly.

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boz@boz

2Sem.

For sector ETFs, this is now weekly.

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Walter S.@Roots

2Sem.

Etf:monthly- until the end and into retirement
Shares:
variable
price and valuation in a nice corridor - monthly / 2x monthly

price favorable and share convincing- one-time purchase

price high - 1 mtl and lower amount or even suspend

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Tom@Tom_laeuft

2Sem.

What exactly do you hope to gain by switching from a weekly to a monthly savings plan?

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Phillippe Kaufmann@Phillippe

2Sem.

@Tom_laeuft there would be a better cost averaging effect in a turbulent stock market phase

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Tom@Tom_laeuft

2Sem.

@Phillippe I'm not sure whether that makes that much of a difference.

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Stefan@Da_Fischi

2Sem.

Weekly at the moment

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Soprano@Soprano

2Sem.

I don't understand the question at all, I have been making savings plans weekly for as long as it has been possible and would even prefer to have daily savings plan executions.

The whole idea of a savings plan is cost-averaging. By definition, it gets better the more often you run the savings plan.

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Global I.@gloinvest

2Sem.

I recently went through my statements from the 90s. Lots of shares that I had long forgotten I ever had. In other words, in 10 years it won't matter whether you bought on Monday or Thursday. Do something useful with your time. Take a walk in the fresh air, for example, and just leave everything as it is.

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