iShares eb.rexx Gov Germany 0-1yr ETF D

ETF

ISIN: DE000A0Q4RZ9

Ticker: EXVM

DE000A0Q4RZ9

EXVM

Price

Discussione su EXVM

Messaggi

Robert

@Zony

1Mes·

Help with loans.....

Hello again.

I was made aware of bonds here by @SchlaubiSchlumpf and I find the investment not so uninteresting. I haven't quite got to grips with the whole thing yet, but the topic is becoming interesting now that the first 300 euros are available. In addition, interest rates are falling and if I have understood the bond issue correctly, the yield increases as interest rates fall.

For me, the $EXVM (+0,02%) would come into question. Short-term bonds and in € to avoid the currency risk.

Can such an ETF also be fed with a savings plan?

For me, I would still have to decide whether to start the savings plan with the entire amount or whether to split it and go into an All World in parallel.

How would you handle this?

Robert

@Zony

3Mes·

9 years of investment, your opinion please 🤔

Hello everyone,

I am now planning the final home payment spurt (does that word even exist?)

We have a monthly amount of 300,- over because a loan is expiring. This amount is to be used later (9 years) to pay off the loan. The 300,- should of course not be accumulated in the pillowcase.

The question for me now is whether I should put the whole amount into a money market ETF or an All World via a savings plan. As it is virtually earmarked, it should be invested with as little risk as possible.

What would you recommend?

I think so.

Greetings

4 Commenti

Epi@Epi

1Mes

Before investing in bond ETFs for the first time, you should read up on the subject.
Short-dated bonds yield less when interest rates fall, so they become less interesting.
Long-dated bonds usually rise when interest rates fall. But if inflation expectations for the next 10 years rise at the same time, prices fall. And if the credit rating is questionable, then even more so.
With an inverted yield curve, short-dated bonds offer more than long-dated bonds.
The exchange rate risk is dominant for USD bonds, at least for short-dated bonds.
Everything is a little different with medium-term bonds.
Bonds also behave differently from bond ETFs.

There is so much to consider with bonds. Learn first, then invest! 👍

•

Bruce

@BruceBullridge

1Anno·

Hello GQ community,

I'm currently looking at how I can structure the security module for my securities account soll🤷‍♂️

My security module currently earns good interest at 4% p.a. in my TR clearing account. In the near future, with the coming interest rate cuts, it will probably be difficult to get good interest rates on an overnight deposit account, so I have read up on the subject of money market ETFs and have the following thoughts and questions for you.

My security component should initially make up 30% of my portfolio, divided as follows:

15% money market ETF on the Deutsche Bank Euro Overnight Rate Index

$XEON (+0%) Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C

15% Bond ETF based on short-dated German government bonds

$EXVM (+0,02%) - iShares eb.rexx® Government Germany 0-1yr UCITS ETF (DE) EUR (Dist)

I am aware that the following cases may occur:

📉 Interest rate cuts:

📉 Money market ETF $XEON (+0%) also falls, as it tracks the EURO Overnight Index and is therefore always based on the ECB deposit rate.

📈 Bond ETF $EXVM (+0,02%) rises in the opposite direction to the interest rate cut, as German government bonds are still tied to older, higher interest rates. This means they are still attractive for investors.

📈 Equities and equity ETFs rise as companies and end consumers benefit. More money is being invested in the economy.

📈 Interest rate hikes:

📈 Money market ETF $XEON (+0%)as described above is based on the ECB's deposit rate and therefore rises with it.

📉 Bond ETF $EXVM (+0,02%) falls, as the older German government bonds are still tied to the lower interest rate. They are unattractive for potential investors.

Equities and equity ETFs fall as companies and end consumers have less money freely available to invest in the economy.

If I take this combination of money market ETF and bond ETF, it will balance out depending on the market situation and I won't get any added value from it, will I?

I would be very happy to hear your thoughts and opinions on this, it would help me.

How do you handle this?

Do you buy accumulating or distributing?

Do you also have a hedging module in your portfolio?

Do you not use any safety components and prefer to buy cheap shares during the high-yield phase?

4 Commenti

Kevin E.@KevinE

1Anno

I have a nest egg - it doesn't have to yield a return (of course, what you can safely take with you, you take with you...) and is intended for an emergency scenario. The amount is therefore based on my personal emergency scenario.

However, I also have a "safety component" in my portfolio. My less volatile stocks, such as a Coca-Cola, which definitely won't beat the market - that can go if "the shit hits the fan". I would then liquidate it. It's a rather theoretical case, because I've only used my nest egg once in the last 10 years (at 20%). But you never know.

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