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Dividend_Buddha
@Marcel76
1Settimana·

What alternatives to call money?

Hello everyone,


I am currently building up some cash as a liquidity reserve. I use TradeRepublic and am currently still enjoying 2% overnight interest. However, I wanted to ask if there are more lucrative alternatives or what you do with cash that can be accessed at any time?


One possibility is to invest in $XEON (-0,01%) Xtrackers Euro Overnight Rate Swap EUR (Acc). What ideas do you have?

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10 Commenti
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Ayecaramba@Ayecaramba256
1Settimana
Unit Plus
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Staatsmann@Staatsmann
1Settimana
@Ayecaramba256 In your experience, do you get more return than a simple money market fund?

Especially as Unit Plus is not free of charge, as far as I know.
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Ayecaramba@Ayecaramba256
1Settimana
@Staatsmann I have my nest egg there and use a product that invests in bonds. Low fluctuation and around 3% return + you can pay with it at any time. For me, it's the best solution on the market
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HoldTheMike@HoldTheMike
1Settimana
$XEON is the ideal solution for me.
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mco@mco
1Settimana
BBVA current account 3% for currently 6 months.
Umweltbank 3% for 3 months.
XEON does not currently yield more than TR as @Tuffbet already wrote.
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Leopold T.@Tuffbet
1Settimana
Only makes sense if you can get over the deposit protection. With the ETF you are at the daily allowance level. You may also have to pay fees - at least the spread
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Julian@MoneyISnotREAL
1Settimana
My custody account has to generate the return for me. Call money, money market ... nice gimmick, but after inflation & taxes a "loss-making business".
Whether I receive €100 or €150 interest p.a., the bureaucratic effort is no longer worth it to me.

For me, my liquidity must be available at all times at no cost. I see money market ETFs as a solution if you have a LOT of cash and need it in the short term (only in a few months).

Of course, it also depends on the amount of cash you have.
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yieldhunter@randomdude
1Settimana
$CSH2 yields slightly more than the deposit interest rate or $XEON.
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Hennington Global Markets@HenningtonGlobal
1Settimana
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Hennington Global Markets@HenningtonGlobal
1Settimana
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