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DividendenSnoopy · 2022-11-28T01:31:15.127677Z

Ich habe nun, nach sehr viel Hin und Her, endlich meinen ersten ETF Sparplan erstellt. Dieser soll monatlich bespart werden, mit einem Anlagehorizont von mindestens 15 Jahren, aber eher länger, und ich möchte ihn am besten nicht mehr verändern, umschichten oder sonstwie bearbeiten müssen. Da ich noch sehr neu in der Welt des Investments bin, würde ich gerne die Meinung der Community hinzuziehen ☺ vielleicht habe ich ja etwas übersehen, nicht bedacht oder einfach schlichtweg falsch gemacht. Der Sparplan setzt sich folgendermaßen zusammen: 70% $ISAC 20% Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating (Ticker VETA funktioniert nicht, WKN A2PA8D) 10% $IGLN Der MSCI als "risikobehafteter" Teil deckt Industrie- und Schwellenländer ab und ist wahrscheinlich ein Klassiker. Dagegen steht der "risikoarme" Teil mit dem Anleihen ETF. Ich habe mich am Weltportfolio von Gerd Kommer orientiert. Das Gold soll nur eine kleine Beimischung sein, um das Risiko noch etwas zu senken. Was meine Strategie angeht: ich möchte gerne ausgewogen investieren, mit dem Schwerpunkt auf passivem Investment und Vermögensaufbau, kombiniert mit gelegentlichen Einzelkäufen, wenn ich dahingehend eine gute Gelegenheit sehe (quasi als "Boost"). Da ich noch viel zu lernen habe, sind risikoreiche Investitionen gerade nicht das Hauptthema. Aktuell liegt mein Fokus eher darin, Erfahrung zu sammeln, als zu versuchen, den Markt zu schlagen. Der oben beschriebene Sparplan soll im Idealfall ein Kerninvestment für's Alter sein, welches aber noch über 30 Jahre entfernt ist 😅 dennoch ärgert es mich, dass ich mich jetzt erst mit 31 mit diesem Thema auseinandersetze... Ich würde mich über Tipps, Korrekturen, Kritik und Anregungen natürlich sehr freuen 😊

DividendenSnoopy

@DividendenSnoopy

2Anno·

After a lot of back and forth, I have finally created my first ETF savings plan. This is to be saved monthly, with an investment horizon of at least 15 years, but more likely longer, and I would prefer not to have to change, reallocate or otherwise edit it. Since I'm still very new to the world of investing, I'd like to get the community's opinion ☺ maybe I've overlooked something, not considered it, or just plain done it wrong.

The savings plan is composed as follows:

70% $ISAC

20% Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating (ticker VETA does not work, WKN A2PA8D)

10% $IGLN (+0,63%)

The MSCI as the "risky" part covers developed and emerging markets and is probably a classic. Contrast that with the "low risk" part with the bond ETF. I have oriented myself to the world portfolio of Gerd Kommer. The gold should only be a small addition to reduce the risk a bit.

As for my strategy: I would like to invest in a balanced way, with a focus on passive investment and asset accumulation, combined with occasional individual purchases when I see a good opportunity (as a "boost", so to speak). Since I still have a lot to learn, risky investments are not the main topic right now. Currently, my focus is more on gaining experience than trying to beat the market. The savings plan described above should ideally be a core investment for old age, which is still more than 30 years away 😅 nevertheless it annoys me that I'm only now dealing with this topic at 31....

I would be very happy about tips, corrections, criticism and suggestions of course 😊

28 Commenti

Dominic Mayr@DomaininFuture

2Anno

@Gummiwurm
Good morning I think, with the ETF do nothing wrong for the beginning, just let them run! Even with nem investment horizon of +15a you are on nem time window, with which you can survive various capers on the stock markets well. I have also eig much too late started (34) but rather later than never.
If you then in a few weeks, months or whenever conform with the ETF feel it is then certainly at some point time for the first individual stocks, if desired. Otherwise, there are some here that offer really good content and it is absolutely worthwhile to follow them, @InvestmentFeldwebel
@TheDrunkenInvestorDieKneipe
@DonkeyInvestor
@InvestmentPapa To name just a small excerpt. Oh yeah, and I only invest in what I understand, it's a hackneyed phrase but it saved me from getting into Wirecard ;)

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DividendenSnoopy@DividendenSnoopy

2Anno

@DomaininFuture thank you, I will definitely take a closer look at these profiles 😊 And as for your "hackneyed" phrase: I'm right there with you ☝🏻 I've been hanging on to this one savings plan for what feels like an eternity now, because I've always learned something new, which in turn has made me think about it 🙈 although I actually know that I can't lose with a normal All World with this investment horizon 😅

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InvestmentFeldwebel@InvestmentFeldwebel

2Anno

@DomaininFuture Honor !

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Leon@binggordyn

2Anno

In principle, there is nothing to say against it. However, I personally would only take the ACWI and add individual stocks later. But in the end, you have to be able to sleep well with your investment! 😌

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DividendenSnoopy@DividendenSnoopy

2Anno

@blackbull That's true, and I'm currently sleeping too little because I'm up all night thinking about investments 😅

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Ruben@DerRubelmussrollen

2Anno

Good morning Nicos, your strategy sounds good, but would weight differently. Bonds and gold at 5% each and the largest position no more than 35%.Two more Etf to differentiate (industry / countries) at 25% each and 5% to gamble. Wish you a Besinnliche Christmas time and nen good start of the week

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DividendenSnoopy@DividendenSnoopy

2Anno

@DerRubelmussrollen Thank you for your input ☺ I will look at the whole thing again

Wish you happy holidays too 🍀

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six@six

2Anno

I would take the $VGWL instead of the MSCI ACWI. I would leave out the rest. Instead of bonds, rather overnight money or time deposits. If gold is added later, then I would rather take $EWG2 or $4GLD or physical gold. Adding gold is probably only worthwhile from a larger portfolio size and then rather about 5% (max 10%). PS have myself only started with 44.

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DividendenSnoopy@DividendenSnoopy

2Anno

@six Thank you 💪🏻
Recognized a similar strategy with you as I am planning, a solid core and good satellites. Except I'll definitely be able to invest a lot less each month 😅
I keep stumbling across the Vanguard, so I'm starting to see that as a sign....

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six@six

2Anno

@Gummiwurm Thank you. Yes, the Vanguard is the "fire and forget" version 👍

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DividendenSnoopy@DividendenSnoopy

2Anno

@six However, since I prefer accumulating, it would then be the $VWCE

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six@six

2Anno

@Gummiwurm Yes, I had that at first too.
Or both at the beginning (the distributor with 60k for the tax-free amount) and the rest in the accumulator.
Then at some point I put everything in the accumulator and then this year back in the distributor as well as the SPDR ETF and individual stocks because of the dividends and the cash flow (as already mentioned, a lot of back and forth 🙈😂)

Up to a certain amount (or now soon more due to the increase in the tax-free amount), it may make sense to take the distributer to save a few more euros in taxes.

With current 2% distributions and a €1000 allowance, you could save up to the following amount to make full use of your allowance:

1000/(0.7x0.02)=71428€

1000 is your allowance
0.7 is the partial exemption for ETFs
0.02 is the distribution rate

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DividendenSnoopy@DividendenSnoopy

2Anno

@six Do you then invest the distributions elsewhere or directly back into $VGWL?

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six@six

2Anno

@Gummiwurm I currently invest in my individual stocks until I have reached the desired weighting (60% ETFs (of which 40% in All World and 20% in SPDR) and 40% in individual stocks).
I am therefore currently only buying individual stocks each month. However, I think that I will continue to buy my ETFs in six months' time (by then the weighting should be right).

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DividendenSnoopy@DividendenSnoopy

2Anno

@six so would I also do well if I built the savings plan mentioned in the post from $VGWL and $SPYD? In a ratio of 60 to 40 🤔

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six@six

2Anno

@Gummiwurm You have to decide that for yourself. You will of course increase your North American share considerably, as the SPYD is 100% NA.

So it basically depends on your strategy.

In any case, the performance of the $SPYD has been great in recent years (sometimes better than the $VGWL).

My "strategy" is as follows:
40% core with the $VGWL
60% dividend portfolio, of which
- 20% $SPYD
- 40% individual stocks (NA+EU). Target approx. 20 stocks at approx. 2% each

Edit: if you want to keep it simple, the $VGWL is perfectly adequate and you will probably struggle to outperform it with various other ETFs and individual stocks over the long term.
But it's also "boring" 😂

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DividendenSnoopy@DividendenSnoopy

2Anno

@six I think our strategies are going in a similar direction. For me, it is now important to create a stable core that will be saved in monthly for the next 15+ years without changing it.
I would like to combine buy and hold with core satellite. I'm still working on the weighting ☝🏻
I like to be safe, but I also want to play a bit 😅 so it definitely won't stay at 100% $VGWL 😇

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six@six

2Anno

@Gummiwurm Yes, that's how I feel too.
You just have to think about whether you want dividends above the tax-free amount and are prepared to accept the taxes or whether you want to optimize your taxes as much as possible.

If tax-optimized:
Possibly use the All World as an accumulator and realize the tax-free amount with the US Dividend Aristocrats and individual shares.
Alternatively, you can also take the All World as a distributor and then switch to the accumulator when you reach a certain amount (simply leave the distributor and then only save in the accumulator).
It might be a bit difficult to calculate everything so precisely (at least if you still have the SPDR and individual stocks).

There is also a great video that explains the differences between accumulators and distributors (at least for a single ETF):

https://m.youtube.com/watch?v=eAY6iZ6mlyw

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Visualizza tutti 9 ulteriori risposte

Lorena@Lorena

2Anno

@leveragegrinding didn't you want to write something about bonds? :)

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Moritz@leveragegrinding

2Anno

@Lorena uh rumors...🌚

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