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Lucas
@lucas_05
1Settimana·

Any suggestions for improvement?

I am 19 years old, a student and would like to $VWCE (-0,23%) with a savings plan until I earn money. What is your opinion?

5Posizioni
7187,12 €
15,95%
10
6 Commenti
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Benjamin@Bauslii
1Settimana
Do exactly that and save yourself individual shares
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immagine del profilo
Kai@Dividenden-Sammler
1Settimana
Absolutely fine - you're not doing anything wrong. Even later when you're earning money, simply continue to save and increase the savings rate if necessary. You can consider taking the distributing version to utilize your tax-free allowance and then switch to the accumulating version later.
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Kai@Dividenden-Sammler
1Settimana
Ah, I've only just seen that you're from 🇦🇹. I'm not sure what's possible in terms of tax - whether you have a tax-free allowance, etc.
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Fabian@FKabs
1Settimana
@Dividenden-Sammler There is no tax difference between distributors and accumulators, as we also pay income tax on dividends for accumulators (once a year in the form of distribution-equivalent income after reporting to the ÖKB). This payment then increases the calculated acquisition value so that this tax does not have to be paid again on disposal.

However, the past has shown that Vanguard in particular works very tax-efficiently with the $VWCE and reports far less distribution-equivalent income to the ÖKB than would actually be distributed. $VWCE is and remains the best choice in Austria :)
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Ph1l1pp@Ph1l1pp
1Settimana
You can do that, yes.

With your age, I would probably choose a slightly more "aggressive" variant consisting of:

S&P Tech Sector ETF + optional Health Sector ~60%

As a hedge against large drawdowns, gold with 10-15%

Bitcoin for additional outperformance with 20-30%

Cash for the rest

This means you have significantly outperformed the S&P500 over the last 50 years with less max drawdowns and a better sharp ratio
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immagine del profilo
Tenbagger2024@Tenbagger2024
4G
Your portfolio outperformed the world in May.
So perhaps you should think again about what you are investing your savings plan in
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