So short and sweet: You have no time to deal with individual shares and do not know well? Then stop with individual shares. That has nothing to do with investing without the certain know-how and is just gambling. Yes, maybe you're lucky and hit exactly the right ones - but that's just luck :) If you want to gamble then do it separately and see it as gambling or hobby gambling and do not do that with your monthly rate that is intended for investing. About your banking situation - so do not get me wrong but you will have to deal with these "new technologies" sooner or later even if they are not new anymore.... It is quite clear that branch banks will die out. The business model is simply outdated and no longer profitable. In my opinion, the chance that a branch bank will go bankrupt is at least as high as that of a neo-broker or online bank. Fortunately, you live in Germany and you can rely on some regulations here. Just look for a German based online bank or a neo-broker with German deposit insurance and you are on the safe side. Then you can throw the active funds out of the depot and simply shift into an ETF. (Unless the funds out perform the MSCI World even after fees) If you do not get involved to warm up with these new technologies it will be in the future only harder for you and not easier in everyday life :)
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@TradingMelone For info I live in Italy, with the Neo Broker or Online Bank you will probably be right. About stocks: Yes, time is always limited and if I spend every day or every 2 days only an hour (more on weekends) to deal with stocks will be rather little. To make a long story short, yes a Msci Word will certainly go better, but I'm also learning, and I'm interested unfortunately too much to put everything in an Etf.
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