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Xtrackers II Eurozone Gov Bond 25+ ETF logo

Xtrackers II Eurozone Gov Bond 25+ ETF

ETF
ETF
ISIN: LU0290357846
Ticker: DBXG
LU0290357846
DBXG

Price

Discussão sobre DBXG

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8
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Alexia
@rayoke
1D·

Life Savings Sitting in a 1.25% Savings Account for Decades

Hi everyone,


I’m reaching out for some help and guidance, especially since this community is full of people willing to share their experience and knowledge.


About 5 years ago, I got to know that my father had most of his life savings sitting in a regular bank account earning just 1.25% interest per year. It honestly hurt to see all his hard work being slowly eaten up because of it. At the time, I tried to convince him to invest at least a portion in something like an ETF, but with no success. I eventually let it go, after all, it’s his money, and I could understand why he chose to be so conservative with it, even if it's not what I would've done.


Now, five years later, he seems to have changed his mind. We’ve started discussing how to allocate the money more effectively. For context he plans to retire in about 9 years.


The idea is to focus a bit more on growth over the next 9 years, and then gradually shift the allocation toward a more fully dividend-focused portfolio. That way, he can generate passive income and won’t have to rely solely on his pension in retirement.


I’m still learning and would really appreciate some feedback from more experienced investors.


Thanks to everyone in advance!


——————————————————————————


Here’s the current allocation we are working on:


🟦 Growth ETFs – 40%



🟥 Dividend ETFs – 20%




🟩 Bonds – 15%




🟪 Individual Stocks – 7.5%




🟧 Cash Reserve – 2.5%


Emergency Fund – 15%


——————————————————————————

——————————————————————————


I would really appreciate feedback on the following:


  • Is this allocation appropriate for someone with 9 years to go?
  • Any ETFs or stocks you’d swap in or out?
  • Anything you’d do differently in general and why?


——————————————————————————

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5
10 Comentários
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KingC@RaphGM
1D
Cash reserve and emergency fund, yes.

I would keep it as simple as possible:
I would get rid of the bonds and individual stocks.
Individual stocks because anyway those are in the ETFs you mentioned.
And I don't believe in bonds; I would rather invest in a Minimum volatility ETF if the goal is to reduce the risk.

The "growth" part looks good to me, though the weighting between DM and EM would be different: 90% DM and 10% EM, but then that's also a question of taste.

As for the dividend part, I would just keep $TDIV

Overall, I would then do something like: 62.5% growth, 20% dividend, cash reserve 2.5% and emergency fund 15%.
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Mostrar resposta
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Josef K.
@kleberj
1Ano·
attachment
07.05
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x2,537 em € 275,88
€ 700,00
2
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Josef K.
@kleberj
1Ano·

Bond Invest Update 18

#anleihen


As already announced, anyone who is interested can follow my investment in bonds.


Monthly savings plan to further feed the Euro bond ETF. As already announced, the interest from Italy was reinvested in addition to the savings installment of €700!


Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu

attachment
08.04
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x3,008 em € 271,99
€ 818,12
imagem de perfil
Josef K.
@kleberj
1Ano·

Bond Invest Update 17


#anleihen


As already announced, anyone who is interested can follow my investment in bonds.


So now it's finally starting to rain. The first interest payment from Italy has arrived. 135€ gross, 118,12€ net minus withholding tax. Unfortunately I cannot insert this transaction here.


A rainbow is already forming on the horizon. The tide will rise.


I was surprised by the withholding tax. I had researched it beforehand and saw that interest payments from Italy would be tax-free. What was actually meant was that the withholding tax is reclaimable, i.e. not even creditable. Note to self: Never again Italian government bonds.


The interest will be reinvested with the next savings plan execution of the European bond ETF.


Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu


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3
4 Comentários
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Epi@Epi
1Ano
Bonds should still be exciting this year!
US election, inflation, sovereign debt, war...
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3
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Josef K.
@kleberj
1Ano·
attachment
07.03
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x2,497 em € 280,34
€ 700,00
3
imagem de perfil
Josef K.
@kleberj
1Ano·
attachment
07.02
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x2,935 em € 272,61
€ 800,00
4
imagem de perfil
Josef K.
@kleberj
1Ano·
attachment
02.01
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x2,259 em € 281,79
€ 636,57
2
imagem de perfil
Josef K.
@kleberj
1Ano·

Bond Invest Update 5


#anleihen


As already announced, anyone who is interested can follow my investment in bonds.


Due to the surprisingly clear announcement of the interest rate cut next year by the FED, I was forced to implement my strategy a little faster before the wild ride takes off without me! 😊


The second order statement has now arrived. This is the first entry into a bond ETF (Eurozone 25+ years). In January there will then be the first entry into a "US bond ETF". Both will then be further invested in over the course of next year.


Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu

18.12
Xtrackers II Eurozone Gov Bond 25+ ETF logo
Xtrackers II Eurozone Gov Bond 25+ ETF
Comprado x10 em € 285,04
€ 2.850,40
3
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Epi
@Epi
1Ano·

Dear friends of marketing,


I would like to point out a circumstance that has received little attention so far, but which could have a significant impact on the European stock markets in particular.


The long-dated European government bonds (25+y Euro Gov Bonds) are about to break out of their one-year consolidation (triangle) to the downside. If the breakout is confirmed, the technical downside potential is considerable.


Since the bond markets are larger than the equity markets and are primarily handled by institutional investors, this is typically where the informed money is. Price changes here very often have predictive power for the equity markets.


Falling bond prices mean rising interest rates mean rising opportunity costs for stocks mean falling stock prices.


So: keep an eye on these long-dated bonds! If the breakout is confirmed, we are in for some uncomfortable times on the stock market. And not only there...


A profitable week to you!


$DBXG (-1,22%)

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17
13 Comentários
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Barsten@Barsten
1Ano
Okidoki
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