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Felix
@ChristelMett96
5Mo·

Savings plan optimization

Hi guys, I need your advice again.


My savings plans are currently running as follows:


200€ in the $VWRL (+0,95 %)

70€ in $KO (-0,3 %)

130€ in $AAPL (+0,04 %)


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


My current consideration would be the 100€ in $BTC (+0,34 %) , $EOAN (+1,4 %) or perhaps also $NVDA (+3,36 %) or $GOOGL (-0,59 %)


What would you do with the €100? Or maybe just increase the savings plan to the $VWRL (+0,95 %) increase it?


Thank you!

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10 Commentaires
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Marcel@xzxzx
5Mo
Ko and Aapl out, World up👍
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Felix@ChristelMett96
5Mo
@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
5Mo
- 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
5Mo
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
5Mo
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
5Mo
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
5Mo
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
5Mo
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
5Mo
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@Marpo
5Mo
I would invest in Alphabet. Is still fairly valued for me at the moment, if not undervalued......
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