7Mês·

Another new addition to the savings plan portfolio. $NVDA (+0,68%) is not necessarily known for glorious dividends, but that was not the case $AAPL (-0,76%) not when I bought it in 2013 and today I am at 8% dividend yield pa.

This time no other position had to give way.

27.11

Nvidia

Comprado x1,439 em € 125,76

€ 180,98

21 Comentários

Tobi60@Tobi60

7Mês

I had to smile a little now. 180 put into NVIDIA and 20 k into Ferrari 😅

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Patrick Schäfer@Hotte1909

7Mês

@Tobi60 are 2 different custody accounts. The savings plan account is fed by income from my part-time farming business. I try to keep things separate. One is money for my retirement and the other is profit from my hobby

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Tobi60@Tobi60

7Mês

@Hotte1909 Yes, I've already checked. But it's good that you can still do it with such small positions. Next to your main portfolio, these are peanuts

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Patrick Schäfer@Hotte1909

7Mês

@Tobi60 Yes, sometimes it is frustrating and I think to myself why am I doing this crap at all. The total savings plan portfolio only makes up just over 1% of my total portfolio.
Nevertheless, I have to say that I enjoy this portfolio more than the large portfolio. As it only contains one-off purchases and no big bets or risky stocks. I have some of that in the other portfolio.

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Tobi60@Tobi60

7Mês

@Hotte1909 share if you like

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Patrick Schäfer@Hotte1909

7Mês

Should actually be in my timeline. I still wanted to present it. But somehow I don't have the time.

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Alfred@Alfred16

7Mês

@Hotte1909 Yes exactly Patrick share your depots, I would also be very interested in them. Maybe I can still learn something. :-)

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DonaldTruck@DonaldTruck

7Mês

Don't overdo it 🤣

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Matthias@Rebellion81

7Mês

But Ferrari was a one-time purchase and Nvidia is now a savings plan, right?

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Patrick Schäfer@Hotte1909

7Mês

@Rebellion81 Yes, Nvidoa is in the savings plan custody account. This is financed from profits from part-time farming and should actually be regarded as a separate custody account. Also to try out a different strategy

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Charmin@Charmin

7Mês

I have a question about the fees for the savings plan: How high are the transaction costs if you buy for 180 euros?

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Patrick Schäfer@Hotte1909

7Mês

@Charmin that was a one-off purchase. There it is then 1€ the savings plans themselves are free of charge

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Charmin@Charmin

7Mês

@Hotte1909 Okay, 1 euro order fee is of course an announcement.

At S-Broker I pay around 10 euros for an order - buying just one share would be fatal.

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Patrick Schäfer@Hotte1909

7Mês

@Charmin That's probably true. I also pay €16 per trade at Volksbank. That's where the larger sums are. With an order volume of 20k, this is not so significant. I can also choose the stock exchange there, which saves a bit more. For small savings plans and the like, I simply use Trade Republik because of the order fees. If the positions there get too big for me, I can still transfer them to Volksbank.

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Felix@DirectZ

7Mês

@Hotte1909 Well, the actual fees charged by TradeRepublik are actually much higher. The €1 order fees shown are only the direct fees - the indirect costs are significantly higher due to the PFOF and can also quickly reach double or even triple digits depending on the order volume, term and share. Unfortunately, TradeRepublik is very opaque in its presentation of the topic.

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Patrick Schäfer@Hotte1909

7Mês

@DirectZ payment for order flow is now prohibited or not?
Yes, the spreads at TR are somewhat higher than at the Volksbank. But that is maginal, especially for smaller sums. With this trade, the trade at Volksbank would have been about 9 cents cheaper overall in terms of price. I could also have bought there on another exchange, which would have saved me about €1. With these small amounts it doesn't make much difference. If I buy for 20k then you already save a few euros. Of course, you also have advantages with the Volksbank. You are automatically entered in the share register, which has to be applied for manually at TR and costs money again. You have customer service, although Volksbank's customer service is also relatively poor when it comes to share trading, at least at the Volksbank in South Westphalia. Then there is the fact that the Volksbank does not have standardized prices. For example, Volksbank Siegen is significantly cheaper than my Volksbank. Unless that has been adjusted in the meantime.

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Felix@DirectZ

7Mês

@Hotte1909 no, they're not banned yet, but I think they're due in 2026, yes.

Okay, that's not a huge difference, of course 😅

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Patrick Schäfer@Hotte1909

7Mês

@DirectZ Of course, it is impossible to understand what money is flowing behind the scenes. TR will also receive commission, probably lower spreads than we do and so on. But as a customer, I couldn't care less about that. Of course, you could now add scalable or Zero and compare everything, but I don't think there are any major differences

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Mathias@mtume505

7Mês

Ferrari is not worth more.... Old polluters...

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Tobi60@Tobi60

7Mês

@mtume505 Your seriousness ?😨

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Mathias@mtume505

7Mês

@Tobi60 yep. Cars like this are completely out of date.

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