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All World ETF at all time high. Buy or wait?

I regularly buy shares with my broker in thousands in the $VWRL (-0,11%) . You can compare the whole thing to a savings plan. Except that I make the purchases manually. It's simply because the savings plan with my broker costs €1.50 per execution and purchases of this ETF are free of charge from €1000. (flatex Austria)

I can live with the system and don't want a new broker.

However, I currently have doubts as to whether I should continue to buy or wait for a correction?

I have not been investing for long, but I have never seen such a strong increase in value in such a short time and I am afraid that a major correction will follow and that current purchases are therefore a mistake.

I don't have a cash quota. I have actually always put everything in every month. How would you handle this now? Build up a cash quota, buy consistently?

9 Comentários

Vincent@VincP3

buy consistently, nobody can time the market. if you buy in increments of thousands anyway, the €1.50 doesn't matter. Savings plan and rest

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Stefan@Da_Fischi

Follow through with your savings plan! If I had listened to such statements "Be careful, don't buy at the ATH" over the last few years, I would have lost a lot of returns.

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jkb92@jkb92

Everyone has their own opinion on this. I would reduce my installment a little at the moment. You could park some of the €1000 in a kind of reserve and then increase the savings rate if there is a correction.

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Steve91@Steve91

I have significantly reduced my rate. Let's be honest, it can't be healthy anymore.

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wealth_builder_2926@wealth_builder_2926

Invest your savings rate at 3% overnight money and block it mentally for the ETF savings rate and buy at dips, but at the latest on the day before the dividend ex-date.
This way you don't lose any dividends, buy every 3 months at the latest and have the option of getting more shares for your money on dips. The only risk is that the ETF rises mega and you get less shortly before the ex-date than you would have gotten if you had bought directly. It doesn't work without risk.

Can someone backtest the system? In the event of price falls of 5% or more, in 50% of cases you buy until the savings rate is reached and in the other 50% of cases you buy on the day before the ex-date.

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edumar@emppsb

Buy, you will be buying the market at ath most of the time, I just bought 5 min ago literally

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DonaldTruck@DonaldTruck

I always have 20% cash. About 1/3 of this is in "cash" on the call money (flexible, deposit protection, ...) and the remaining 2/3 in $XEOD. This way, 80% of the return goes with it and I buy more on specific vehicles and then replenish the cash, initially from the savings installment and finally with sales.

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Metis@Metis

Studies show that savings plans (or the same manual buying) are significantly more successful than attempts to time the market. Especially with +10,+15 year holding periods. Do what you want with the information.

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Joshua@Joshuavdf

If you believe it will go up in the future, just keep your DCA plan no matter the price.

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