10Mes·

Savings plans Feedback

Hello dear GQ community, I just wanted to share my savings plans and get some opinions on whether it all fits.

These 6 ETFs currently make up ~70% of my portfolio and are to be expanded in the long term. They all have the same weighting at the moment, with the MSCI World getting a little more.

I am 19 years old and would like to build up a long-term portfolio, and these 6 ETFs looked attractive at the time and are doing quite well so far (all about 1 year old)

$ESGB (-0,52%)
$CSPX (+0,09%)
$IWRD (+0,07%)
$IGLN (-1,15%)
$EIMI (+0,06%)
$n/a (+0,2%)

33 Commenti

Unbekannt@Pirat123

10Mes

I don't understand the €10 strategy!

•

Visualizza tutti 20 ulteriori risposte

Leo@Notiman

10Mes

I think the S&P 500 and MSCI World overlap too much. In my opinion, you should eliminate one and invest more in the other. Otherwise, I think emerging markets and gold are sensible. I can't say anything about your gaming/sports ETF.
Personally, I also save a Europe ETF so that I can regulate my European share, not for regular, consistent purchases.

Hope I was able to help :)

•

Ginkgo@Ginkgo

10Mes

@Notiman The gaming/sports ETF is a sector that I personally think is promising and is also my second-best position at the moment. It's a bit unusual (and has a nasty TER) but I'll keep an eye on it for now.

•

Floriano@FlorianoPerlini

10Mes

Only Xetra or Euwax II gold because of tax exemption after 1 year holding period and because you can have it physically delivered to you

•

Ginkgo@Ginkgo

10Mes

@FlorianoPerlini Unfortunately not available at Trade Republic 🥲

••

J.@JohKar

8Mes

@FlorianoPerlini
Which broker can I use, as TR unfortunately does not offer either?

••

J.@JohKar

8Mes

According to my research, other ETCs are also tax-free after a holding period of one year: $IGLN is one of them.
Source: https://extraetf.com/de/wissen/besteuerung-von-gold-etc

Can anyone confirm this?

••

Luca@LM90

9Mes

if you have free broker buy commissions its ok

•

Louis@Dellou

10Mes

Why 10€ every week? For small amounts, the €1 fee costs you a lot. Think about it: 24€ fee for 240€ volume per month = 10% minus by fee. 6€ fee for 240€ volume per month = 2
5% minus due to fee.

••

Ginkgo@Ginkgo

10Mes

@Dellou Trade Republic has no fees on savings plans

•

Shavennar@Shavennar

10Mes

@Dellou Savings plans are free of charge at Trade Republic. A fee is only charged for manual orders

••

Louis@Dellou

10Mes

@Ginkgo ohh right my mistake

••

Nico@_Harry_

8Mes

@Ginkgo
Here are my tips for you.
1) The overlap of MSCI World and S&P500 already mentioned in the comments only makes rebalancing more difficult
2) Why do you want an equal weighting?
Constructive solution suggestions from me for 1.) and 2.): Take a look at the ETFs $VWCE or even better $SPYI. With the latter in particular, you can get the best possible representation of the global economy for 0.17% TER. I would always recommend the ACC versions of the ETFs
3) Regarding the €10 per week: "Time in the market beats timing the market". So rather go all in than piecemeal.
4) Basically, having gold in your portfolio is a good approach. However, there is a more tax-efficient alternative to the physical gold ETF from iShares. For example, download the Zero-Broker or Scaleable, open a custody account there and invest in gold at $EWG2 or $4GLD. After a holding period of 12 months, all profits are exempt from capital gains tax. You will have to pay tax on your iShares ETF.

••