4J·

It looks like I've made a terrible mistake 🤓

At the beginning of October, I sold two of my ETFs, the $VWRL (-0,76 %) and the $EQQQ (-0,86 %) .

I was convinced that we would see at least a short-term but significant correction in October.

And since I was planning to transfer these ETFs from Trade Republic to Flatex anyway, I thought: Sell now, pick up cheaper later 🤪

Since then, of course, the market has rallied. Fortunately, I still have the $HMWO (-0,68 %) and $VUSA (-0,66 %) and my shares.

My original plan was to sell, wait out the crash and then get back in. Due to the broker's fee model and position size, I would have bought back the NASDAQ in one transaction as a savings plan, the savings plan is still active on October 23 and I could have bought back the All World flexibly in large tranches as there are no order fees at all.

At the moment, however, it looks as if the plan won't work out 🥲

The total amount is €20,000. I transferred € 9999 of this to my account without any problems (no proof, no delay, approx. 24 hours) and € 7500 of this to Flatex for the QQQ on the 23rd .

The rest is still with Trade Republic and is even earning a little interest there. I hope I don't have to wait until November to get the rest of the money out of Trade Republic without any problems...

Now I see the following options:

1) Put everything into All World right away.

I can buy the NASDAQ later with fresh capital if there is another setback.

2) Pay off the last financing.

I have around €10,000 outstanding, with a monthly installment of €238.

Apart from that, I am debt-free.

The interest rate is around 6-7%, plus hidden costs such as account management fees and endowment insurance.

So it would be worth considering closing the loan completely, but that would leave very little capital for ETFs.

3) Stick to the original plan

Uptober isn't over yet 🥲

4) All in $NVDA (-1,35 %) 🤣

5) Gradually in with a savings plan.

6) Or will the seasonal setbacks only occur from January/spring 2026?

Which options do you think make sense? What are your thoughts?

43 Commentaires

Horsti@Horstiiii

At 6-7% interest I would take option 2... then you get rid of the loan, don't get too annoyed about the ETF redemption and start your new savings plan with the saved loan installment (which then benefits from the decline in the stock market)...

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Imvestment4Life@Investment4Life

Back and forth empties pockets

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Kate🦋@Iwamoto

@Investment4Life You're pouring salt into the wound 😢

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Imvestment4Life@Investment4Life

@Iwamoto learned it myself this year.
🥲 Maybe the next reader will learn from our mistakes!

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finanzperpetuum@finanzperpetuum

I have another ... "Time in the market beats timing the market - almost always"

But I think everyone has made this mistake. It's a clever idea in principle, but unfortunately it usually doesn't work. And I would always try to get rid of the debt as quickly as possible. I can also think of a few sayings :-)

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NEWT@SteelAnacott

How complicated can you make life as an investor?

Kate: Yes.

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Epi@Epi

How about reading a book on stock market psychology or behavioral finance?

Then you'll discover why you're finding it so difficult to make progress and what mistakes you keep making over and over again.

No matter when you shift what and where, you seem to be chasing your own tail. 😬

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Jim@wealth_navigator_64

What about Moonvember?

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Kate🦋@Iwamoto

@wealth_navigator_64 Until then, you want to be back on board 🥲

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Kulturgut@DerBro

@wealth_navigator_64 the rocket ignites for @Iwamoto

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Stulle 🥪@Stullen-Portfolio

I'm telling you, Kate: "Timing is a bitch!" 😬😜🙈

But now that it's happened, it's absolutely clear to me that the loan will be repaid!
You include order costs of a few euros in your respective considerations, but don't take into account costs for a loan of at least 600 to 700 per year! So, repay now and invest ~250 more per month from next month 😎🎢🚀

Greetings
🥪

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Charmin@Charmin

I don't want the following comment to be misunderstood as schadenfreude:

This is a prime example of my record, "Time in the market beats timing the market. Always."

Okay, what would I do in your situation: continue to buy stocks that you are convinced of. For example, I'm not one to shy away from buying at an ATH. Here, too, there are countless studies that repeatedly show that waiting for a setback is the worse strategy. You don't have to buy everything at once, just go in in tranches over a few weeks.

PS: All in in NVIDIA is of course always possible. At any hour. Every day. Every week.

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Schmon@SchmonInvest

I would definitely not wait for a setback!

Put the money into the All World, let the savings plans run as before the sale and then switch at some point.

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Matthias@Aequitas

I would also pay off the loan first and save cash for the next reset.

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Olli@Olli68

Repay loan and weekly savings plans at $VWRL $EQEU and $GDX

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Olli@Olli68

@Olli68 PS: I would rather not enter $NVDA at the moment.

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Markus@sinus_2pi

Did you write everything twice in your text or does it just seem that way to me? 😅

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Kate🦋@Iwamoto

@sinus_2pi Thanks for the hint. Something went wrong. I have now corrected it

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GurkiHDx@GurkiHDx

Why 9999€? I moved €30k from account A to B a few days ago without any problems and without proof.

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Kate🦋@Iwamoto

@GurkiHDx I thought that from €10,000 you would have to justify yourself and everything would be delayed...

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UliB@UliB

@Iwamoto No, you don't have to, especially not from your own accounts to your own account. Why do you think that?
However, that wasn't the actual question in your post 🙂

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Chris@Multibagger

I would try to recoup the return on the loan in the next 6 months (there will be no setback before then). 10% per month is not impossible, but half is definitely realistic.

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Kate🦋@Iwamoto

@Multibagger In any case, it never gets boring for me. Today I have to hope that what all the laws of nature actually say will happen https://ibb.co/KcXWXDrD 🙈 DE000VD0EHW0 I'm thinking about it: Perhaps it would be wiser to sell the bill and buy a new short with the remaining money, the knockout of which is further away? Part of the loss would later be a tax advantage. The probability that AMD will correct is now quite high, but unfortunately the $245 is also very close.

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Kate🦋@Iwamoto

@Multibagger At the moment, leverage is only between 1.7 and 2.2, with the exception of Costco and Oxy, which have been in for a few days and should have a leverage of between four and five.
https://ibb.co/YFFJC1Ys

https://ibb.co/Q7h2n4QR
I also have 2x gold and silver at Trade Republic with DE000SN41LM6 and DE000UM2ZWV2

You might also be interested in @Klein-Anleger1 @TomTurboInvest @TradingHase @Shem_sen

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Chris@Multibagger

@Iwamoto definitely sell, the short was totally crazy. But I wrote to you immediately $AMD goes to at least 260$.

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Kate🦋@Iwamoto

@Multibagger This is a bond with an SL. And I'm only about 2% away from the SL. If I sell now, I have a 55% loss and the SL is triggered, I will lose a little more, but perhaps the countermovement will come today. It won't continue without a setback. 😅 and in my opinion, the possibly more sensible way would be to sell this one and buy one or buy one that is so far away🙈

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Chris@Multibagger

@Iwamoto It just takes a few days until it is booked out and you have the credit. I wouldn't buy a new one before 260$.

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Kate🦋@Iwamoto

It's so far 😎 (At least there are signs) https://ibb.co/sdGdPDHL
The only question for me is whether this bill with such a small k.o. distance can withstand the volatility between 15:30 and 16:00...

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Kulturgut@DerBro

@Iwamoto how high is your heart rate during the day and (question for a friend) can you sleep peacefully? 🙃

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Chris@Multibagger

@Iwamoto so for me it is up 1.4% pre-market at 239$. So far, I can't see a trend reversal in your favor.

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PaulPaulsonle@PaulPaulsonle

I can only give you one tip that I had to learn myself over the years.
Never try to time anything, always stay invested and possibly invest a little more in the event of corrections.
It cost me a lot of returns and a lot of nerves.
The big profits are made in the long term😎

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Imi@Kay88

No one died from profit taking, I sold 75% of AMD and took profits

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ecoparts@ecoparts

time in the market, beats timing the market :P

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trade_whisperer_1808@trade_whisperer_1808

Stop following the news.
Time in the market always beats timing the market.

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GHF@GHF

I wrote it to you... it's the fall rally 😉

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Mi(t)chel@Mi-t-chel

Without debt, many people invest more freely. I would service the loan first, however it came about.

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GurkiHDx@GurkiHDx

Now you (possibly) have the opportunity to buy more :)

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Kate🦋@Iwamoto

@GurkiHDx That's how it is 😀

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TheWorst@TheWorst

We all make these mistakes. You don't have to beat yourself up about it. I think in the beginning you don't really have an investment anchor other than the price, so you think if the price is high, you have to sell.
But about the options: I think paying off the loan sounds the most logical. I mean, 6-7% is a lot. If you throw the money into stocks, you have to be sure that the return is better than 6-7%.

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~ S.@Semos25

Hello Kate you had such a great depot with $MELI $HIMS $1810 $ASML etc. What happened to it? Did I miss something?

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Kate🦋@Iwamoto

@Semos25 I still have those and even more exciting ones. Only the ETF Core should be reallocated... Okay, I realized profits on Hims a few months ago and later got back in https://ibb.co/4ZfdSxHY
https://ibb.co/Mxj3kXH9 Tomra may be out

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Kate🦋@Iwamoto

@Semos25 I also have a few nice positions on Scalable. Most of them are just too small. 😏

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~ S.@Semos25

@Iwamoto Oh well, I thought it was because you can't see it on GQ, or only part of it. Well then, good luck.

Personally, I wouldn't invest everything at once and put some cash aside in case there is a correction.

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