Xtrackers II Overnight Rate Swap ETF C

My car broke down twice due to a faulty battery. As the ADAC didn't have a replacement battery with them, my wife had the car bypassed today and taken to the garage. The invoice for the new battery also listed 0.5 liters of 0W20 oil, although we have been using 5W30 for years. How harmful is it to mix different types of oil? complaint went out.....

I would actually like to have all my gold physically in 1 Oz and 1/2 Oz Maple Leaf. However, as this exceeds my investment amount as a one-off investment, I will create a savings plan on $WGLD (+0,83%) and sell at 10 shares to buy a coin (+ the surcharge on the spot of course).

This has two advantages for me:

Until then, the money earmarked for gold will participate in the movements of the gold price via the ETC (can of course also go badly if gold falls, but it would if I bought the coin now). Of course, I could also park the money in $XEON (+0%) or as overnight money and go out with a guaranteed plus, but I would like to participate in the price development of gold with a certain percentage of my portfolio.

This also allows me to better maintain the proportion of gold in the overall portfolio that I have set for myself and not have too much or too little gold in the portfolio.

The only negative aspect may be the tax issue: shares that I sell at a profit after holding them for less than a year are subject to capital gains tax. However, this will be cushioned by my exemption order, which is not yet exhausted by dividends.

What do you think of this approach and are you also invested in physical gold in self-custody (bank safe deposit box, safe, own bunker or buried in the garden)?

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ETF comparison

Hello everyone, I'm not that deep into the subject. Is the $EL4W (+0%) basically comparable with the $XEON (+0%)

I want to park money for my mother. She has "always" had a Deka custody account and doesn't want anything else.

Greasy fingers. I actually just wanted to get another kebab. But I accidentally sold the whole item. Ended up with a kebab with gold leaf 🤷

SC Depot savings plans:

• 1.300€ $VWRL (+0,06%)
• 
  400€ $WSML (+0,13%)

Savings plans TR Depot:

• 360€ $HMWO (+0,11%)
• 
  140€ $HMEF (-0,03%)

In the $XEON (+0%) is my "nest egg". The money is not invested but serves as a reserve for unplanned expenses.

My cash reserve is currently very high, so I don't yet know how to invest it. Immediately, in tranches, wait for a setback?

I am slowly building up my TR portfolio, as I want to spread my risk somewhat (portfolio provider, ETF provider)

Dividends will be reinvested and the depots will hopefully one day be my retirement provision.

A question for the community: how sensible do you think it would be to take out a money market ETF (e.g. $XEON (+0%)) and then draw the liquidity (e.g. for the realization of monthly savings plans) from it?

Example: with a monthly savings installment of EUR 500, does it make sense to take out a money market ETF with e.g. EUR 6000 (12xEUR 500) and withdraw the EUR 500 from the ETF each month?

Thank you very much!