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Kate🦋
@Iwamoto
19H·

How do you do it with these savings plans? 🫡

I think I've fallen into a bias. I haven't been running any ETF savings plans for a few months now because I'm waiting for a fall so that I can buy a bit more at once.

Specifically, I'm only talking about the three large ETFs in my portfolio: $VWRL (-0,61 %)
$VUSA (-0,64 %)
$HMWO (-0,7 %)

(I do save the theme and sector ETF at the moment and buy individual stocks).


I assume that my approach is not expedient in the long term, as prices could often be higher than they are today, for example, even after a sharp fall in prices. What do you think? What percentage of my savings quota should I pump into these three ETFs? Add ETFs? Which ones? Why?

33Positions
8,80 %
8
22 Commentaires
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NichtRelevant@NichtRelevant
19H
I don't think I would worry too much and continue to save everything according to plan.
Of course, you tend to want to optimize everything, but the question is how much additional performance you can achieve with how much effort in the end and whether everything turns out as you predicted.
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Darkwing Donkey@DonkeyInvestor
19H
100% 👍
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Kate🦋@Iwamoto
19H
@DonkeyInvestor Are you also waiting for a setback?
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Darkwing Donkey@DonkeyInvestor
18H
@Iwamoto You should invest 100% of your savings quota in the ETFs you mentioned
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Metis@Metis
19H
I let my core ETF savings plans run their course, except for weighting adjustments. The savings plan amount is then adjusted from time to time.
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Basti92@BavarianLion
17H
I stubbornly let my ETF savings plans continue, I see them as a long-term investment! I don't have any savings plans for individual shares, I only buy when there is a setback!
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Jan@Barrd
19H
Do not add any new etf! The idea of diversification is a good one, but there is such a thing as too much. Keep saving the etfs. Time in the market beats market timing!
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UnknownMakaroV601@UnknownU
18H
I use such times to say goodbye to overvalued shares or to reduce them.
This leaves me with cash, which I "reserve" via a limit order.
If this option is not available, I reduce my savings rates by 1/3 and build up cash.
Suspending is out of the question for me, as I don't like to wait on the sidelines. 😅
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TheCashConcierge@TheCashConcierge
18H
Then do it like this: depending on the market situation, you put 50% of your monthly money into the savings plans to invest and keep 50% as cash in a call money account. If the market falls, you increase the savings plan from the cash reserve. I've often done it this way, it works well and you don't have to wait forever for a correction, which is still less severe than when you stopped buying.
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Martin@Marpo
18H
If you want to increase your cash ratio for setbacks, you could split your savings rate 70/30. You invest 70% of your monthly savings installment and leave 30% in your clearing account for corrections and then fully reinvest the savings......
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Max@Divident_e
17H
My dear. The answer lies in your question
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Olli@Olli68
16H
Ok, I'm not a fan of sector ETFs. And savings plans on them even less so. I would just save your core ETFs.
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Walter S.@Roots
11H
Hello
If you find your approach unpleasant, turn it off.

My etfs are in a separate custody account...I let the etfs run bluntly...at most in the event of significant "dips" I increase the savings rate and lower it individually when it rises...

And after receiving my salary, I first run through the ETF savings plans, then the equity savings plans and then I invest the rest...I stick to this consistently.

Regards
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Stulle 🥪@Stullen-Portfolio
9H
The procedure is actually nonsense, you recognized that quite correctly. ✅

But, hey, in a way it suits you and is still authentic for you. It's still nonsense, but: it's authentic.

Kate wouldn't be Kate if she didn't at least try to integrate her forecast somehow, even with investment strategies that are actually forecast-free. Perhaps we should call it "signature investing"?

Greetings
🥪
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Stulle 🥪@Stullen-Portfolio
9H
@Iwamoto
In addition to the sector ETF, you have two theme/industry ETFs (one of which is region-limited).

Greetings
🥪
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Kate🦋@Iwamoto
8H
@Stullen-Portfolio I know that there is a third ETF. But I don't save for it.
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Stulle 🥪@Stullen-Portfolio
7H
@Iwamoto
Have you become wiser by questioning the local swarm intelligence and can you extract something from the answers?

Greetings
🥪
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Kate🦋@Iwamoto
1H
@Stullen-Portfolio not yet 😆
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Bruce💎🙌@BruceBullridge
8H
I follow through with my savings plans on my basic investment without being dissuaded.
I can understand the idea of being able to beat the market somehow.
Maybe you really can do it for a few years, but with very few exceptions, nobody beats the "natural laws" of the market.

If you enjoy it and you like investing your time in hours of research and evaluating the future prospects of a company, then this is the right path for you.
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CashDividendGamer@CashDividendGamer
59Min
With ETFs, simply run savings plans and you're good to go. Time in the market etc. 😎✌🏻
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Buyandhold91@Buyandhold91
35Min
If ETFs are to be a secure foundation/core in your portfolio, I would save them permanently without a break, except for rebalancing purposes if some are too highly weighted due to price gains. At some point, the savings rate will become so small in comparison to the amount saved that you will no longer be able to damage share prices. Even with steady purchases, the return on these will double over time. VG
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Jakob C.@Creutzfeldt_Jakob
18H
Savings plans that I do not suspend and simply let run stubbornly through all market phases: $SPYI , $SMEA, $CEA1, gold, silver and Bitcoin.
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