LoginSignup
immagine del profilo
Dreamsscape
@DreamZz_der_Kleinanleger
6Mes·

Hello , good evening


I would like to incorporate one of the two into my savings plan (beginner) but am still undecided.

please write your opinion and experiences

Thank you


$XEON (+0,01%) vs $XG01 (+0,06%)

19 Commenti
immagine del profilo
SGP@Koenigmidas
6Mes
What ideas do you have for the two? With the xeon, you just have to follow the interest rate policy, it does what it's supposed to.... Unfortunately, I don't know the other one.
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@Koenigmidas I would like to diversify my portfolio as much as possible but keep it simple and therefore invest in government bonds among others but I am not sure if swap or government bonds are better as a small part of the portfolio
••
immagine del profilo
SGP@Koenigmidas
6Mes
@Dreams_der_Kleinanleger then let's bring in our bond expert @kleberj maybe he can help you
•
1
•
immagine del profilo
Nostradonkey💩@DonkeyInvestor
6Mes
Why do you want that?
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@DonkeyInvestor would like to diversify my portfolio as much as possible but keep it simple
••
immagine del profilo
Nostradonkey💩@DonkeyInvestor
6Mes
@Dreams_der_Kleinanleger An investment in this is equivalent to an investment in call money. You don't need much of that. Especially not at your age
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@DonkeyInvestor okay I understand thanks for the answer
••
immagine del profilo
BamBamInvest@BamBamInvest
6Mes
@DonkeyInvestor I see and $SOFIthe same as already discussed, especially as a long-term investment not 👍
•
1
•
immagine del profilo
BamBamInvest@BamBamInvest
6Mes
Why do you want to invest in one of them? If I understand correctly, you are 22 years old and want to invest into old age? Why do you want to invest in bonds via a savings plan right now, what does the rest of your portfolio look like or what is your strategy and how heavily weighted should bonds be in your portfolio?
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@BamBamInvest As an alternative for my current savings account because I've been with the savings bank for as long as I can remember and
I only recently compared what the conditions are like, I started investing not too long ago, so I looked at a lot of content from various people in the bubble, where diversification was repeatedly declared to be very important, so I wanted to add a money market ETF as a small part of my portfolio unfortunately I am unsure which of the two mentioned is better or better for medium-term and long-term investing

My current ETF savings plans

$SC0C 15%
$EIMI 18%
$IWDA 44%
$X03G 8% (uncertain)
$IGLN 15%

Would be ideal if the 8% share was as accessible as possible as it is part of my nest egg, even if it is only a small share

LG
•
1
•
immagine del profilo
BamBamInvest@BamBamInvest
6Mes
@Dreams_der_Kleinanleger If I personally were your age and didn't need the capital in the long term, I would only use $XEON to park money for possible subsequent purchases and setbacks if the stock market were to fall. In this case, however, I would use a one-off sum/one-off investment. As a savings plan, I would rather put the capital in a $IWDA / $EIMI / $VWRL, as you will generate more value here in the long term. $IGLN / $BTC / $ETH etc. I see that you already have them in your portfolio for diversification. Since $XEON also depends on interest rates and in my opinion will go down again in the medium term, you should also keep an eye on them. However, if you don't need the capital in the short term or don't want to park capital for possible subsequent purchases, I personally see no real reason why you would want to save the $XEON as a savings plan in your younger years. At least that's my personal opinion ✌️.
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@BamBamInvest okay thanks for the detailed answer
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@BamBamInvest helps me a lot
•
1
•
immagine del profilo
BamBamInvest@BamBamInvest
6Mes
@Dreams_der_Kleinanleger I am very happy to do so, as I said, this is just my personal opinion, I also save for my children in the classic way $IWDA / $EIMI, as I only hand over/transfer the capital to them when they come of age or only when I think they can handle it 😂 (so probably a little later). I make one-off contributions here in the event of setbacks or add to it on an ongoing basis, so in my opinion it doesn't make much sense to save at $XEON on an ongoing basis. Timing is very difficult here anyway. ✌️ But please do it the way you feel comfortable, everyone has a different risk appetite.
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@BamBamInvest I think it's great that you are doing this for your children, I will do the same when the time comes.
They will thank you 💪 keep it up
•
1
•
immagine del profilo
BamBamInvest@BamBamInvest
6Mes
@Dreams_der_Kleinanleger I hope that I can pass it on to you and will try to tell you about it as soon as possible so that you might even continue it one day.☺️
•
1
•
immagine del profilo
Dreamsscape@DreamZz_der_Kleinanleger
6Mes
@BamBamInvest that would be nice
•
1
•
Utente eliminato
6Mes
Il commento è stato cancellato
immagine del profilo
Nostradonkey💩@DonkeyInvestor
6Mes
••
Partecipa alla conversazione
IscrivitiAccesso