1D·

How do you do it with these savings plans? 🫡

I think I've fallen into a bias. I haven't been running any ETF savings plans for a few months now because I'm waiting for a fall so that I can buy a bit more at once.

Specifically, I'm only talking about the three large ETFs in my portfolio: $VWRL (-0,61%)
$VUSA (-0,64%)
$HMWO (-0,7%)

(I do save the theme and sector ETF at the moment and buy individual stocks).

I assume that my approach is not expedient in the long term, as prices could often be higher than they are today, for example, even after a sharp fall in prices. What do you think? What percentage of my savings quota should I pump into these three ETFs? Add ETFs? Which ones? Why?

33Posições

8,80%

28 Comentários

NichtRelevant@NichtRelevant

I don't think I would worry too much and continue to save everything according to plan.
Of course, you tend to want to optimize everything, but the question is how much additional performance you can achieve with how much effort in the end and whether everything turns out as you predicted.

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Darkwing Donkey@DonkeyInvestor

100% 👍

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Kate🦋@Iwamoto

@DonkeyInvestor Are you also waiting for a setback?

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Darkwing Donkey@DonkeyInvestor

@Iwamoto You should invest 100% of your savings quota in the ETFs you mentioned

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Metis@Metis

I let my core ETF savings plans run their course, except for weighting adjustments. The savings plan amount is then adjusted from time to time.

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Basti92@BavarianLion

I stubbornly let my ETF savings plans continue, I see them as a long-term investment! I don't have any savings plans for individual shares, I only buy when there is a setback!

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Max@Divident_e

My dear. The answer lies in your question

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Jan@Barrd

Do not add any new etf! The idea of diversification is a good one, but there is such a thing as too much. Keep saving the etfs. Time in the market beats market timing!

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UnknownMakaroV601@UnknownU

I use such times to say goodbye to overvalued shares or to reduce them.
This leaves me with cash, which I "reserve" via a limit order.
If this option is not available, I reduce my savings rates by 1/3 and build up cash.
Suspending is out of the question for me, as I don't like to wait on the sidelines. 😅

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TheCashConcierge@TheCashConcierge

Then do it like this: depending on the market situation, you put 50% of your monthly money into the savings plans to invest and keep 50% as cash in a call money account. If the market falls, you increase the savings plan from the cash reserve. I've often done it this way, it works well and you don't have to wait forever for a correction, which is still less severe than when you stopped buying.

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Martin@Marpo

If you want to increase your cash ratio for setbacks, you could split your savings rate 70/30. You invest 70% of your monthly savings installment and leave 30% in your clearing account for corrections and then fully reinvest the savings......

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Olli@Olli68

Ok, I'm not a fan of sector ETFs. And savings plans on them even less so. I would just save your core ETFs.

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Walter S.@Roots

Hello
If you find your approach unpleasant, turn it off.

My etfs are in a separate custody account...I let the etfs run bluntly...at most in the event of significant "dips" I increase the savings rate and lower it individually when it rises...

And after receiving my salary, I first run through the ETF savings plans, then the equity savings plans and then I invest the rest...I stick to this consistently.

Regards

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Stulle 🥪@Stullen-Portfolio

22H

The procedure is actually nonsense, you recognized that quite correctly. ✅

But, hey, in a way it suits you and is still authentic for you. It's still nonsense, but: it's authentic.

Kate wouldn't be Kate if she didn't at least try to integrate her forecast somehow, even with investment strategies that are actually forecast-free. Perhaps we should call it "signature investing"?

Greetings
🥪

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Stulle 🥪@Stullen-Portfolio

22H

@Iwamoto
In addition to the sector ETF, you have two theme/industry ETFs (one of which is region-limited).

Greetings
🥪

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Kate🦋@Iwamoto

22H

@Stullen-Portfolio I know that there is a third ETF. But I don't save for it.

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Stulle 🥪@Stullen-Portfolio

21H

@Iwamoto
Have you become wiser by questioning the local swarm intelligence and can you extract something from the answers?

Greetings
🥪

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Kate🦋@Iwamoto

14H

@Stullen-Portfolio not yet 😆

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Stulle 🥪@Stullen-Portfolio

10H

@Iwamoto
I'm curious. Please let me know. 😊
[I have a very clear assumption as to how you will decide in the long term 😉].

But you also asked about other ETFs.
In which direction are you currently thinking? To map other sectors/themes separately or to include strategy ETFs (e.g. equal weight, factors, dividends/CC)?

Greetings
🥪

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Kate🦋@Iwamoto

10H

@Stullen-Portfolio well, on the one hand there are very interesting strategy and factor ETFs. On the other hand, there are EM and Europe and a handful of interesting dividend ETFs.

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Stulle 🥪@Stullen-Portfolio

@Iwamoto
Hmmm, of course there are!

But wouldn't it be more important to decide what you want and how to put it together? So perhaps
1. get an overview of what is available
(I think you've done that)
2. derive possible SENSIBLE approaches/combinations from this
3. select and implement products
4. do not change anything

Maybe you are at 2.

You know that there are 1-ETF solutions. E.g. an all-world ETF OR a world ETF if you have deliberately decided against EM.
If you want to map DW and EM and control the weighting yourself, then there are 2 ETFs.
If you also want to control the proportions within DW yourself, then you need other ETFs (e.g. S&P500 ETF and ex-USA) instead of the one World ETF.
You currently have quite a mishmash of these.

In my opinion, you would also have to decide for 2. whether you want to map factors or not. And whether this complements - or can/should completely replace - the previous question of regions.

However, it is very important (after CONSCIOUS decisions on 2. and 3.) to do 4.
Somehow I suspect that this is the biggest hurdle or challenge for you.

But as we know, the biggest threat to the success of a good plan is the dream of an even better plan.
...and there are already some biases here that jeopardize that and you seem to be quite susceptible to one or two biases 😉

Greetings
🥪

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Kate🦋@Iwamoto

@Stullen-Portfolio I don't have a mishmash 🥺. In principle, it wouldn't matter whether you have this All World or World. And whether you have 100,000 in one of them or 50,000 in both, in the end it will be pretty much the same. The advantage of having both is that I cover eight out of twelve months with distributions. Okay, I still have the S&P 500, you wouldn't need that in addition. On the other hand, I feel quite comfortable with it.

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Kate🦋@Iwamoto

@Stullen-Portfolio I created this sample portfolio a few weeks ago simply to see how it would have developed and so on... https://getqu.in/m7fwX6/ (Of course, these are one-off purchases, so the return is much better compared to savings plans)

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Bruce💎🙌@BruceBullridge

22H

I follow through with my savings plans on my basic investment without being dissuaded.
I can understand the idea of being able to beat the market somehow.
Maybe you really can do it for a few years, but with very few exceptions, nobody beats the "natural laws" of the market.

If you enjoy it and you like investing your time in hours of research and evaluating the future prospects of a company, then this is the right path for you.

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CashDividendGamer@CashDividendGamer

14H

With ETFs, simply run savings plans and you're good to go. Time in the market etc. 😎✌🏻

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Buyandhold91@Buyandhold91

14H

If ETFs are to be a secure foundation/core in your portfolio, I would save them permanently without a break, except for rebalancing purposes if some are too highly weighted due to price gains. At some point, the savings rate will become so small in comparison to the amount saved that you will no longer be able to damage share prices. Even with steady purchases, the return on these will double over time. VG

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Gehebeltes-EFH@Gehebeltes-EFH

Time in….

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Jakob C.@Creutzfeldt_Jakob

Savings plans that I do not suspend and simply let run stubbornly through all market phases: $SPYI , $SMEA, $CEA1, gold, silver and Bitcoin.

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