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I have been saving with Gerd Kommer Capital's Robo-Advisor since May of this year. I don't know how it will perform in the long term, but I've achieved a return of 5.47% so far. Costs are already factored out. I'm letting it run for now and have no stress.
However, it does not invest in individual shares but in many ETFs. I have chosen a weighting of 80/20.

Let's see how it develops.

Greetings
Carsten
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@Carsten1970 It did very badly. Only 3.7% over 12 months. Not even beating inflation. A real loser
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@Techaktien I've only been here for 5 months. 🤷
what do you expect when you ask a question?

You ask and someone answers you. Has it occurred to you that when you ask questions, you get answers?

and you also have to give a product a chance. If the product is good in 10 years, nobody asks, if the product is bad after 5 months, that's the way it is.
Is an ETF still good in 10 years? Nobody knows.

World War 3, Bitcoin, gold...or maybe copper. Nobody knows.

I just think it makes sense to invest. And no matter where you put your money, there will always be people who think it's wrong.
You can always say a lot of bad things.
I also know whether it's right. But unfortunately nobody knows'
If someone did know, they wouldn't tell you.

Carsten
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@Carsten1970 Nobody has a problem with your answer. I have given you information. If you can't process it, it's not my fault. Gerd's advisor was tested and it failed. The expectation is that it beats the market, otherwise you could take an ETF as he himself has recommended in five books. Numbers are not an opinion. Numbers are facts.
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@Techaktien I think it's very good that you share the findings regarding roboadvisors. But it depends on the individual risk strategy and the asset allocation of low-risk and high risk asset classes. If Carsten - like me - is no longer 20 or 30, then he may no longer be 100% equity ETF and then the return AND volatility will automatically fall due to the bond component. I think it's good that you have the courage to invest money away from savings accounts with 0.01% (savings bank). You have to be prepared for the portfolio to go into negative territory. I started 4 years ago and first had to learn to endure the fluctuations. That wasn't so easy when you're only used to fixed-term deposits. Back to the test: I don't know the duration of the comparison test, but formally a 12-month period is a bit short given 200 years of stock market history. Figures are not necessarily facts or a valid representation. Figures sometimes convey a dangerous illusion of factuality. You can read about this in well-known specialist books by Krämer, Gigerenzer and Bauer, among others, on so-called "unstatistics", especially in pharmaceutical studies. So everyone has a different strategy and a different risk-bearing capacity, and not everyone wants to beat the S&P 500. And with figures, you have to look at the context. They don't exist in a vacuum. You didn't automatically pick a loser, you deliberately decided to take on less volatility. The fact that advisors incur higher fees/costs that reduce returns is self-evident and rightly criticized. So thanks again for your contribution :-) and thanks for Carsten's contribution. Win-win.
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