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Tobi_0903 · 2023-08-29T13:26:52.473156Z

S&P 500 liquidieren? Ich habe mal eine Frage an euch da draußen. Ich bin schon seit einiger Zeit (ca. 2 Jahren) am besparen meines S&P500 ETF $500 Da ich mich in der Zwischenzeit immer mehr und mehr in die Thematik der Einzelaktien eingelesen habe, wäre ich so langsam bereit dort einzusteigen. Ich bin mir allerdings noch immer unsicher ob ich meinen ETF weiter besparen soll, ihn in der Sparrate kürzen, aufhören zu besparen oder ganz auflösen soll? In meinem ETF befindet sich Ausbildungsbedingt auch keine weltbewegende Geldmenge.

Tobi_0903

@Tobi_0903

1Anno·

Liquidate S&P 500?

I have a question for you guys out there.

I have been for some time (about 2 years)

to save my S&P500 ETF. $500 (+0,56%)

Since I read myself in the meantime more and more

more and more into the topic of single stocks, I would be

so slowly ready to enter there.

However, I am still unsure whether I should continue to save my ETF

my ETF, reduce it in the savings rate, stop saving or dissolve it altogether?

or dissolve it completely?

There is also no earth-shattering amount of money in my ETF due to education.

Guarda il mio Cruscotto ora!

38 Commenti

Gerit@Gerit

1Anno

Follow your mind 👍 If you are unsure, then calmly step on the brakes first. Take your time with your decisions. (even if it takes a few months!).

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Ironman@Ironman2022

1Anno

That you are better than the ETF with individual stocks....unlikely 🤷‍♂️

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nobody@nobodyXX

1Anno

In any case, continue to invest in sp500. You will never be able to beat the etf with the selection of your own shares. Continue to save and forget for now

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Lachs458@Lachs458

1Anno

Personally, I like the S&P 500, I am invested there myself and when I started with individual stocks I reduced the savings rate for the S&P 500 by about 20%. In the long run, I think it's just a relatively safe investment. Over the last 13 years, the S&P has returned an average of 12.5% annually (not an indicator that it will continue to do so, of course). Of course, with individual stocks more is possible, so I find a healthy mix of ETF and individual stocks perfect, because if you "fall on your face" with the individual stocks you still have the ETF or several in my case that "hedge" me. Hope this helps you a bit with your decision. Have read you invest momentarily 400€/month and want to increase the rate. I would continue to pump 200-300€ in the S&P and the rest in individual stocks.

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Tobi_0903@Tobi_0903

1Anno

@Lachs458 Yes, that actually sounds quite good. To dissolve the S&P 500, I think would have been my last choice. At the moment I'm just unsure whether I should save up capital to invest higher sums, so that the transaction fees of the individual stocks do not affect my performance too much.

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Lachs458@Lachs458

1Anno

@Tobi_0903 Personally, I'm more of a fan of making savings plans and then having an average price, rather than waiting for a good entry price. At Trade Republic you can create weekly savings plans and so I have a pretty good average rate.

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hiasi@hias1993

1Anno

@Tobi_0903 if you can't invest relevant amounts at once (1k€+) like me and most others can't either savings plans are much better

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DerDanner@Therapeut

1Anno

ETF with continue to run and next to build up capital to buy shares

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Bruzze T.@Steel-Team

1Anno

Just do it like Buffet and invest heavily in the S&P 500. As soon as Buffet dies, billions will go into this index. I am invested myself and will continue to invest.

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Maurice@Maurice77

1Anno

It would be helpful to see how much is in your S&P500, otherwise it's obviously hard to answer

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Tobi_0903@Tobi_0903

1Anno

@Maurice77 currently there are about 5.500 €

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Maurice@Maurice77

1Anno

@Tobi_0903 I would not dissolve it, I would cut the savings rate in your place, and pick out my favorite individual stocks, track them and think about an investment / savings plan.

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sbx@sbx

1Anno

@Maurice77 and why was that now dependent on the size of the investment?

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Mac M.@Kronos_

1Anno

@sbx always these stupid questions why you have a sum braucht🤦🏻‍♂️ I should see how much he has in the % payments? If he has e.g. only 20 € in it what he wants to hear from us? 🤷‍♂️

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sbx@sbx

1Anno

@Kronos_ regardless of the size of the portfolio, it only makes sense to diversify your portfolio. Most people here, including myself, don't have the time, knowledge and experience to invest like an institutional investor. Investing in individual stocks is of course perfectly okay if you know what you are investing in and why. But in my eyes, especially as a private investor, you should primarily invest your money with tools where it is either managed by someone with more time, knowledge and responsibility or there are clearly defined rules in a big pot where you are automatically diversified. That way you also limit your own risk.

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Joshua@WarrenNakamoto

1Anno

Since you also have a msci world, you could switch one etf to the other. Or not.

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Tobi_0903@Tobi_0903

1Anno

@WarrenNakamoto The MSCI World was a single purchase about 2 years ago because I was not yet so familiar with the subject of shares / ETF. Because of this, the share of MSCI World in the portfolio is a brute 1.8%.

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Joshua@WarrenNakamoto

1Anno

@Tobi_0903 then I would continue to save the s&p 500 or switch to an all-world or msci world and then save. You have to know yourself in the end whether you want to have an Etf as a basis or 100% active with shares.

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Cashflow I.@Cashflow_Investor

1Anno

How much do you invest each month?

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Tobi_0903@Tobi_0903

1Anno

@Cashflow_Investor 400 €, but should be increased significantly in the near future.

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Cashflow I.@Cashflow_Investor

1Anno

@Tobi_0903 how old are you, if you don't mind me asking?

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Tobi_0903@Tobi_0903

1Anno

@Cashflow_Investor Am 19 years old.

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Cashflow I.@Cashflow_Investor

1Anno

@Tobi_0903 you can continue to save the two times. €400 is not little also not much. I would therefore continue to save the two with the sum. In addition, get up to Max 15 individual shares. My reasoning: You are quite young and if you invest in yourself (education and so) you will increase your human capital later in life, thus your savings rate.

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Mac M.@Kronos_

1Anno

See no Betrag🤷‍♂️ so if only 5€ are in it can sell the...

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nobody@nobodyXX

1Anno

Add on: would think again about the etf itself: do you think it makes sense to take one in EUR and one that costs more than twice as much TER per year than comparable ones?

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Tobi_0903@Tobi_0903

1Anno

@nobodyXX You are right. The iShares S&P 500 would probably be much better. However, I still have to plan how I will reallocate the whole thing.

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Epi@Epi

1Anno

Given the current US equity allocation and the current CAPE of the S&P500, historically a return of 1%pa in real terms can be expected over the next 10 years. If you are confident of beating that, you can sell and invest elsewhere.

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Jonas M.@Xiy12345

1Anno

@Epi Quelle?

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Epi@Epi

1Anno

@Xiy12345 https://www.gurufocus.com/shiller-PE.php?width=346&height=207

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Jonas M.@Xiy12345

1Anno

I just switched from stocks to etf 2 years ago I also sold my ETFs and went into single stocks I have outperformed the market significantly but if I consider my wasted time I have significantly underperformed the market

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Tobi_0903@Tobi_0903

1Anno

@Xiy12345 I was also a little bit interested in getting monthly or quarterly dividends with dividend shares because I think that will motivate me a lot to save and invest more when I see something coming back in real terms.

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Jonas M.@Xiy12345

1Anno

NL0011683594

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Jonas M.@Xiy12345

1Anno

Large payout

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Jonas M.@Xiy12345

1Anno

IE00B6YX5D40 small payout but big growth

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Basti@Basti381

1Anno

If I were you, I would stop investing in the SP500 and just leave it. Instead, invest in your individual stocks in the future. Take your time with the decision.

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1Anno

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XOPYC@XOPYC

1Anno

@California_Dreamin if he invests in blue chip stocks, it will probably do better with that.. basically 10% of the stocks pull the entire index....

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Tobi_0903@Tobi_0903

1Anno

@California_Dreamin So far, the idea to get more familiar with the subject was to invest in blue chips and dividend stocks for the time being.

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