$ELFW (-2,19%) 500€ per month

$DKDF (-4,56%) 100€ per month

$KMR55C 100€ monthly

Happy New Year, dear community,

I would just like a brief assessment from you - does the split make sense from your point of view? Or are two savings plans enough?

First of all - yes, I know that having savings plans executed via the savings bank is now out :( but it has been common practice for a long time.

I save €700 per month in the three savings plans (see breakdown above). I'm actually satisfied with the performance of the MSCI World and the industry fund so far.

The performance of the sustainability fund leaves a lot to be desired.

I am currently considering discontinuing the sustainability fund and putting the monthly €100 into the industry fund. The new allocation would then be €500/€200.

Or should I just leave everything as it is in the interests of diversification?

Investment horizon: definitely another 10+ years.

I would be delighted to hear your feedback!

Best regards!