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?
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@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
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
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•@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 ✌️.
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•@BamBamInvest okay thanks for the detailed answer
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•@BamBamInvest helps me a lot
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•@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.
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•@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
They will thank you 💪 keep it up
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•@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.☺️
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•@BamBamInvest that would be nice
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