Hello dear community,

I have been investing in a World ESG 40 Gold with Scalable Capital for almost 2 years now. So I use the Robo Advisor. Savings rate 50€ per month (I know, not much, but I'm still a trainee).

Now I'm thinking for a while whether I should not just cancel the portfolio and put my money on the $VWCE (+0,17%) should put. Thesaurriend, because I just want to save in the long term, >20 years, the ETF portfolio. I wanted to set the risk as central as possible, but also not too high. Savings rate for the portfolio to max. 200€ increase (there as said training and would be max. 20% of my net salary). I can live with that.

Before the question arises why I want to cancel the current portfolio: The costs for saving and switching through the Robo Advisor are simply too high for me, if you could keep the costs with a DIY portfolio simply lower. The portfolio has been in a steady low between -9 and -12% since early 2022. In addition, I am simply dissatisfied with some of the positions that the Robo Advisor has in the portfolio.

That's why my consideration. However, question is also, cancel right now or wait until the loss is less? I mean, the portfolio is still not soo huge with about 1,200€, and of it -47€ total return. I can therefore bear the loss. I'm just wondering if the tax allowance only applies to the profit or if I close the account and I'm above the tax allowance. Will I then trz all the taxes around and deducted from the 1,200 €?

Besides the $VWCE (+0,17%) I had considered adding around 20% EM in the portfolio. But I am still unsure, had the $VFEG (-0,02%) in the back of the head. So that would be 80/20. Later I would like to invest in (max.) 5 stocks, am also with Bitcoin am liebäugeln (just as a small gambler option, I know that Bc is very risky, so I would not put much in there).

Looking forward to your responses!