1Anno·

In the future I would like to invest my money as follows and would appreciate feedback from you😊🚀👍


Monthly savings/investments in the future will be:

250€ - $WLD (-0,04%)

200€ - Trade Republic call money to be able to buy single stocks in case of a crash

100€ - $VUSA (-0,3%)

150€ - Daily deposit account for nest eggs

100€ - Unit-linked pension insurance

70€ - $XAIX (-1,3%)


How do you find the distribution? What is missing or what would you add?


🚀

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TR Call money: You lose more money waiting for the crash than in the crash itself. Nest egg: Should be built up immediately and as soon as possible. Once it is full, nothing is set aside for emergencies. To reserve a monthly sum for the nest egg I think is not purposeful$XAIX To special rest you can do so.
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The plan sounds well thought out, but has a few pitfalls. 1. what is your starting position and what is your goal? Without that we can only talk roughly. 2. WorldETF is ok, but in combination with S&P500 a bit strange. Either-or. Most people here use the WorldEtf, but there are also good reasons for the S&P500, e.g. the quality of the companies, which is not institutionally ensured in the WorldEtf. 3. you save almost 50% cash. Can be done at the moment, but then you need a clear plan when to buy which stocks or which ETFs. Do you have it? 4. nest egg is an absolute, not a savings plan. 3 months' salary should be enough. If you have that, there is no need to save further on it. 5. Fund-linked pension insurance can be an absolute yield killer. What are your TER on the contract?
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With unit-linked annuities, I would read the fine print very carefully. With commission-based contracts, you lose an extremely large amount of money in the first 5 years. It depends on the provider. If you absolutely want to take out insurance, pay attention to the cost and it has to be a fee-based contract. They are usually cheaper. And choose there normal ETFs and not actively managed funds of the company. With me it was with 100€ savings rate in the first 5 years 1000€ acquisition costs and per year 192€, which went for the management on it. In addition then still the ETF costs. In the first 5 years, I paid an incredible 4 monthly premiums just for the insurance without getting anything out of it. I cancelled immediately after the 5 years and invested the money with Scalable.
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immagine del profilo
Fill up your nest egg first - then everything else!
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I don't think the monthly savings plan for call money is so bad. As long as you don't simply put money aside elsewhere, you have nothing else if you ever want to buy a car or make similarly large purchases. At least I don't want to be dependent on having to sell parts of my portfolio in such a case.
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immagine del profilo
So you're doing this by the motto: mass instead of class? I don't really know your pension insurance, but would claim with the monthly contribution you pay monthly, you could also do better with a savings plan on a world ETF and then shortly before retirement a shift to bonds or from now on a savings plan on high-percentage government bonds both yield-wise and cost-wise.

I'm happy to learn, but it sounds to me more like you have the annuity because: that's "reputable," "that's how you do it." Hopefully you can enlighten me and debunk my preconceptions. And regarding my portfolio: I had a world ETF at the very beginning. However, I don't like the weighting of countries and their companies according to market capitalization, because it doesn't take the real value creation into account at all. Unfortunately, there is currently no offer of a world ETF according to pure GDP weighting that I could take. So I had to build my own world ETF using my TOP world regions strategy by GDP weighting (otherwise not to be overlooked in the profile description). In addition, I am also flexible and can react adequately to drastic changes in the economic strength of individual countries in years/decades via the weighting of individual region ETFs and am not dependent on the ETF provider in this respect.
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immagine del profilo
This topic seems to have been dealt with extensively in this thread. I have dealt with the product very intensively and have come to the conclusion that it is a waste of money. All the alleged tax advantages etc. are pure sales tricks. I would most likely take out a life annuity insurance through a net policy. Everything else is a total scam!
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