5D·

12 months gold savings plan

In September 2024 coerced by better half, buy some real gold, because of this and s that...

So instead of getting gold somewhere in $EWG2 (+0,22%) in

Conclusion after 12 months (savings plan return) the old World ETF has made around 15% and the gold savings plan around 16% and is now rolling more tax-free every month 😇.

a few more months and then the 5k target will be full and my gold rush will be over 😂

08.09

EUWAX Gold II

Comprado x2,953 em € 101,59

€ 300,00

8 Comentários

James@jDigg

It was also worth considering creating a portfolio consisting only of gold and Bitcoin - the idea is based on the tax exemption after 1 year. Even with a slightly lower return, you could still get more out of it due to the absence of taxes - world vs. BC or gold of the last 10 or 15 years as an example.

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Joris@Joris

@jDigg Have you ever calculated what your returns would have been over the last 10 or 15 years? Also in comparison to the MSCI World?

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James@jDigg

Example for 10 years (01.08.2015 - 31.08.2025)

Gold - €10000 invested / return of €18560 (tax-free)

World - 10000€ invested / 16584€ (without deductions)

In a nutshell, I shouldn't have made a mistake. (Please correct me if I have messed it up 😅)

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Alfred E.@Papiertiger

@Joris IZF: Gold : 5Y/15.3% ; 10Y 13.3% ; 15y/ 6.6%
MSCI Wolrd: 5Y / 14.2% ; 10y / 7.7% ; 15 Y/ 7.7%

But as always, it's a few bad years or other periods and you can calculate the world or gold nicely 😂

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James@jDigg

@Papiertiger taking into account that no taxes are deducted for gold? Or are they already gone for the World?

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Alfred E.@Papiertiger

@jDigg of course not. It is simply a return triangle with IZF/average return p.a. So deduct taxes again from the world

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Epi@Epi

@jDigg Gold and BTC in an inverse vola ratio of approx. 4-5:1 has a clearly positive effect on the performance of an equity portfolio.

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=6e7qO8XdoBXIwyklijxDaN

Nobody notices, nobody knows, nobody does. 🤷

Only my son has a relatively large portfolio, with 50% in this allocation. It's going very well.

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James@jDigg

@Epi firstly, that and for me personally, the holding period is particularly lucrative.
- But who knows what our elected representatives are up to.

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