Non trovato

10Mes

I would say Simple halt has never done anyone any harm, especially if the portfolio is not yet that large. Do your orders cost you anything? I have friends from Austria who invest via Flatex AT and have to pay €1.50

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Aldin@aldin08

10Mes

@MoR I'm thinking about whether I should also use Flatex AT, as it is tax-simple, or Scalable Capital or Trade Republic. However, I haven't started yet, so I can still make changes.

As far as the small portfolio is concerned, I'm planning to invest for the very long term, so I thought I'd make a portfolio according to my ideas now

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MoR@MoR

10Mes

@aldin08 so the advantage with scalable or tr is that they are free of charge and with flatex at the order costs 1,50€. I would therefore say that if you do not invest 300+ per month then maybe scalable or tr is worthwhile. Otherwise always invest quarterly. That might be worse in the short term but if the investment horizon is 15+ years then it won't make much difference

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Aldin@aldin08

10Mes

@MoR Had planned to invest with a
savings rate of 200€ per month for the first time, as I am currently studying. However, as far as I know, scalable also has an order fee of 0.99€ for trades under 250€, only tr is free I think.

To come back to my question about ETFs, what exactly would you adjust?

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MoR@MoR

10Mes

@aldin08 you should invest in a savings plan with all three, this would be free of charge with scalable and tr, with flatex this savings plan would cost 1.50€. If you decide to go with flatex (I would say this would be the most convenient due to the taxes) you could invest 600€ quarterly and would only pay the 1,50€ (0,25%) once instead of 4,50€ (0,75%).

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Aldin@aldin08

10Mes

@MoR Would then make these changes and convert everything to scalable with savings plans: $VWCE 75% $ISPY 10% $MEUD 10% $WSML 5% Opinion?

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MoR@MoR

10Mes

@aldin08 can be done like this would at least be free of charge. Of course, you would then only have to do the tax yourself

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