2Settimana·

Nest egg

I've noticed that I'm putting all my leftover money into ETFs via savings plans. So $XEON (+0,01%) set up as an asset with the largest monthly savings plan in percentage terms until I'm at the 3-5 monthly salaries. I opted for the money market ETF because I like to be tempted to make yolo purchases from time to time with Trade Republic "credit balances". Apart from that, the return p.a. is quite comparable to what Trade Republic pays in interest. What do you think? Rather cash balances with TR or money market etf?

4
24 Commenti

immagine del profilo
2Settimana
$PR1H - the new $XEON 😉
3
immagine del profilo
@Epi But it is subject to currency fluctuations, isn't it? I wouldn't want that with a nest egg.
1
immagine del profilo
2Settimana
@ChrisBizz Have you taken a look at it? The chart alone should show you that there are no currency fluctuations.
Otherwise it wouldn't be an alternative to xeon.
2
immagine del profilo
@Epi Price performance 12 months 3.x% How much did the bond pay out in the last few months?
immagine del profilo
2Settimana
@ZeissJessy Which bond? Do you mean TBills? Like 4.2%.
immagine del profilo
2Settimana
Thanks for the tip 👍🏻
1
immagine del profilo
@Epi I'm completely out of the loop on this topic. But isn't this a bond that is subject to the usual interest rate fluctuations? On the other hand, there is nothing to be seen in the chart 🤷‍♂️
immagine del profilo
2Settimana
@TreasureHunter This is more or less a money market ETF. Only on the US market and currency-hedged.
In other words, you get the US key interest rates as a daily price gain.
1
immagine del profilo
And the TER is even lower than that of $XEON. Good alternative, I didn't know it yet. Thank you @Epi
1
immagine del profilo
Why do you prefer $PR1H to $XEON @Epi ?
immagine del profilo
2Settimana
@PeterGriffin_ Quite simply. Interest rates in Europe are lower than in the USA. 🤷
3
Visualizza tutti 6 ulteriori risposte
immagine del profilo
2Settimana
Money market ETF, because more independent and not so arbitrary in terms of interest rates.
2
immagine del profilo
Take a look at $IHYU, average 6%, riskier but safer than a World
1
immagine del profilo
In fact, my "nest egg" is everywhere except TR because otherwise I do exactly what you do...yolo purchases 😁
1
immagine del profilo
money market ETF, you're doing exactly right!
immagine del profilo
Money market ETF. Capital gains tax is payable monthly on the interest on TR. And you want to pay this as late as possible.
immagine del profilo
@Psychedelic_Sunflower How does this change the calculation?
immagine del profilo
As the $XEON is accumulating, it does not pay out dividends and therefore no capital gains tax is initially due. Only when it is sold. The money that you do not spend on tax for the time being continues to work for you, as it continues to earn interest and does not end up with the tax authorities. Depending on the amount and duration, the differences can be enormous.
Partecipa alla conversazione