4Mon·

Savings plan optimization

Hi guys, I need your advice again.

My savings plans are currently running as follows:

Due to good circumstances, I currently have the opportunity to add another 100€.

My current consideration would be the 100€ in $BTC (-1.84%) , $EOAN (-0.69%) or perhaps also $NVDA (+0.1%) or $GOOGL (+0.15%)

What would you do with the €100? Or maybe just increase the savings plan to the $VWRL (+0.12%) increase it?

Thank you!

10 Comments

Marcel@xzxzx

4Mon

Ko and Aapl out, World up👍

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Felix@ChristelMett96

4Mon

@xzxzx On what grounds would you do it? I see the values here in the long term and would thus overweight them somewhat

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Marcel@xzxzx

4Mon

- Index secured performance
- Index outperforms in the long term
- do not have a high savings rate, therefore watch to benefit early from compound interest
- it takes too long until you have saved a reasonable sum of €50-75, with Allin Index, let's say around €400, it's a different story

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UnknownMakaroV601@UnknownU

4Mon

I see it exactly like @xzxzx With the amount you put into the two companies every month, you're certainly better off putting everything into the ETF and building up something there first. I would personally put the additional €100 into $BTC.

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Felix@ChristelMett96

4Mon

I understand, you are definitely right. I think I will reallocate more, i.e. into the ETF.

The 100€ in BTC, thank you!

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Peter W.@nulldreinull

4Mon

Why are you investing half of your savings plan in the two shares $KO and $AAPL of all things?

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Felix@ChristelMett96

4Mon

For me the reason, as I see great long-term growth in both of them. Buy and hold 💰

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Mark@le_Wurst

4Mon

I do 60% ETF / 20% BTC / 20% cash. If you want to invest everything I would do 25-30% BTC and the rest ETF

*In my opinion, individual stocks are not so suitable for savings plans because you also buy here in overvalued market phases although you could actively decide against it.

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Alexander F.@Alex_DSZL95

4Mon

I would take KO and Apple out and make 400€ World instead.
I would actually park the additional €100/month from now until the end of the year, and then when BTC corrects, invest the collected €500-600 in BTC and from then on let the €100 run there monthly via a savings plan

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Martin P.@Marpo

4Mon

I would invest in Alphabet. Is still fairly valued for me at the moment, if not undervalued......

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