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It has rained heavily again. As already announced in last month's review, the first two large interest payments from the USA were due. The payments received amounted to €149.63 and €217.85 net and gross respectively. Unfortunately, it is not possible to include interest transactions here. Overall not bad for almost 5 months.

The total of €367.48 will be reinvested in the USD bond ETF next week via savings plan execution.

Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu

16 Commenti

Gerit@Gerit

7Mes

F*ck, the trading costs are really hitting you hard at the moment. I'm very curious to see whether interest rate cuts will come and how the portfolio will then develop

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Josef K.@kleberj

7Mes

@Gerit The figures are not correct anyway. The accrued interest paid is included in the trading costs. In fact, it is about 50%. But yes, buying bonds via the Stuttgart Stock Exchange is expensive. But it's still only 0.3%! Neobrokers don't offer anything.

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Gerit@Gerit

7Mes

@kleberj Would you recommend an ETF as a bet on falling interest rates? As soon as my cash ratio is back to around 5%, I would want to invest half of the savings rate in something with a "good" interest rate.

Unfortunately, I can't buy 3-month US Treasury bonds directly. Neither with TR nor with DKB

I don't know whether my thoughts fit in with the ETF, as it also regularly(?) buys new bonds.

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Josef K.@kleberj

7Mes

@Gerit ETFs should behave in a similar way. I only invested larger sums directly in bonds at the beginning. My monthly savings quotas now only go into ETFs, as the trading costs for smaller sums would have a full impact

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Gerit@Gerit

7Mes

IE00BGR7L912 what do you think of this?

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GeldmitKopf@cashwithhead

7Mes

@Gerit Do you want to link it?

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Gerit@Gerit

7Mes

@cashwithhead hey, of course, never thought of it 😅😂 $IBTU

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Epi@Epi

7Mes

@Gerit Take a currency-hedged US bond ETF instead. The interest payments are negligible compared to the currency fluctuations.

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Gerit@Gerit

7Mes

@Epi because of the short-lived system?

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Epi@Epi

7Mes

@Gerit No, because of the currency fluctuations. 🤷

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Gerit@Gerit

7Mes

@Epi $T3RE one of these? (there are only a handful on TR)

I've read up a bit, the volatility is supposed to be up to 50% lower. But of course it has higher costs.

The question is whether the whole thing is still worthwhile instead of simply parking the money at 4% on TR, up to 50,000 it's no problem.

You can't estimate the interest rates either, if I take a look at what it looked like historically between 1970 and 1990.

Hm.

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Visualizza tutti 4 ulteriori risposte

GeldmitKopf@cashwithhead

7Mes

How do you feel about the USA's debt?

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