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41d05/31

Savings plan for junior best practice

Hello everyone, I have recently become a father and would like to save for my son in the long term. I already have a portfolio with Finanz Zero and have been saving for an MSCI World ETF from iShares for some time. Now I discovered the JuniorDepot at comdirect. My plan: pay €100 a month into an ETF savings plan for 18 years. I would like to use the capital I have saved to finance his driver's license and his first car when he turns 16, and later possibly training, studying or his first apartment

Socialunclassifiedgermany · usa
41d05/31war-conflict · 1/5

Life insurance: let it continue, rely on premium-free or buy it back (and put it in an ETF)?

In my ETF start-up post, I not only received extremely helpful support, I was also advised several times to rethink the life insurance I've had for years, which my father invested for me at some point. I have already spoken to my financial advisor Mr. GPT about this, but I would be interested in your opinion on this. Here are the key data: Runs monthly since November 2004. Rate: currently a good 90€ (increases every year, at the beginning it was something like 30 or 40€) Current

Socialunclassifiedgermany · europe
41d05/31

Dealing with high sales costs (deposit) Comdirect

Hello everyone. After years of saving for my savings plans at Comdirect and saving for various stocks, ETFs and funds, I noticed during a conversation with a friend how damn high the costs are for selling my stocks etc.?! I like to be over 10%! Is this normal with Comdirect? And to learn from that, how do you do that? Or do all banks want that much for sales (except TradeRepublic)? VG! submitted by /u/LazyHazy22

Socialunclassifiedgermany · usa · europe
42d05/30

Spacex IPO fast tracking as the beginning of a development?

I've been reading a lot lately that ETF savers are saying that Spacex's fast tracking isn't that big of a deal because it's not expected to have a big impact overall in the ETF itself. That may be true, but I find the whole thing rather worrying if you see it as the beginning of a development in America. Who says that you can't just do the same thing with OpenAI and other larger IPOs in the future and potentially make a lot of money in bubbles as a saver/investor

Socialunclassifiedgermany · europe · uk
42d05/30

Best sources for digging into ETF trading/mechanics - institutional perspective

I work in asset allocation and have started helping PMs review tactical ETF exposures and possible substitutes. At first there was some really low hanging fruit but now approaching the need for more under the hood of the trading/implementation side - volume, bid/ask spreads, underlying liquidity, creation/redemption, market makers/APs, basket mechanics. I understand the basic concepts, but I’m trying to build the practical judgment to assess when each one actually matters and how to evaluate tra

Socialunclassifiedsocial-signal
42d05/30

Do we have a corporate bond wiki here?

Guden to the group, I have about 7K of cash left that I would like to invest in (corporate) bonds. But since I don't know much about it, e.g. what influences there are on bonds that change the value, etc., I would like to read up on the matter beforehand. A stock ETF is out of the question because I need the money in 5 years. Since the amount is now so small that I can easily handle a draw down of 20% (I bought a lot of stock ETFs on liberation day), I thought

Socialunclassifiedgermany · usa
42d05/30war-conflict · 1/5

SpaceX will probably be listed on the FTSE All World soon. Is it worth waiting to invest?

Hello everyone, I have read that SpaceX may be included in major indices such as the FTSE All World very quickly after the IPO (in some cases even just a few days after the IPO due to new fast-entry rules from the index providers). Now I ask myself: Does it make sense to wait until the end of June to make new investments (e.g. in the FTSE All World ETF) because the inclusion of SpaceX in the index could dilute the index or change it in the short term? Or is that rather irrelevant and Market Ti

Socialunclassifiedgermany · usa · europe
42d05/30war-conflict · 1/5

Your opinion on GDP weighted ETFs

https://preview.redd.it/vw0bbuqqp94h1.png?width=1233&format=png&auto=webp&s=7071ab9c1a23fa04f6ac7d0556bd6c144e116475 https://preview.redd.it/nefstv9qp94h1.png?width=632&format=png&auto=webp&s=74f85d5323a39492adb47af4efa0ddd43f330c5e Hello everyone, I have heard that Amundi is the first provider to offer an ETF weighted by gross domestic product (WKN: ETF345). used out. If I understood correctly, the countries are weighted by GDP, but within the country weighting

Socialunclassifiedgermany · usa · europe
42d05/30

Will VT tank severly when correction on semiconductors comes?

Hi. I'm not saying we have a bubble, this post is just about the volatility of VT vs the entire market which is now heavily driven by semiconductors sector. Since VT is so much diversified it has pretty mediocre gains compared to say DRAM or SOXX. So slow incline, but shall the equally slow decline be expected or will it tank as much as these sector ETFs when investors take money from the entire stock market? Trying to understand the significance of diversification here. submitted by /u/Unarmore

Socialunclassifiedusa
42d05/30war-conflict · 1/5

Keep SpaceX out of your portfolio (ETFs)?

https://www.reuters.com/legal/transactional/danish-pension-fund-excludes-spacex-citing-governance-valuation-2026-05-29/ The Danish pension fund's decision to blacklist SpaceX (and its justification that it was, among other things, absurdly overrated) is a nice reason for the topic: https://www.heise.de/background/Lex-SpaceX-Nasdaq-aendert-Indexregelen-fuer-Musks-Boersengang-11305746.html So that SpaceX can move into the most important leading index as quickly as possible, the Nasdaq - like others

Socialunclassifiedgermany · usa · europe
42d05/30

US citizens in DE: PFIC problems in the retirement savings account?

Is there already information as to whether the PFIC problem for US citizens in Germany also exists with the new retirement savings account? I'm pessimistic at first and assume that nothing will change, so that US citizens will still not be able to save UCITS ETFs cost-effectively DYI-like? Would the state “standard product” be possible? I realize that the law is still very new, but surely there are people who have been dealing with it for a long time? submitted by /u/101testing

Socialunclassifiedgermany · europe · uk
42d05/30war-conflict · 1/5

A2PK5J vs A0RGCS vs A2PLS9

Yesterday I came across the ETFs mentioned in the title. Regardless of the question of whether you are looking for All World or just Developed World, why are they so rarely discussed here? The A2PK5J (UETW) has only 0.06% TER. The A0RGCS (SC0J) even has only 0.05% TER and does synthetic replication, which can probably even save US withholding taxes (ok, probably not relevant for most people here)? The A2PLS9 (VHVE) has 0.12% TER, which you can still see mentioned here sometimes. With the all-world ETFs, a uh

Socialunclassifiedgermany · europe
42d05/30

Trailing Stop Sell: When to use it?

I'm trying to understand the right strategy for setting sells with Trailing Stop. Since taxes would be owed on any sales, I'm currently not setting this for any stock I prefer to hold longer term, or ETFs, since I don't want to be in a situation where they go down enough to trigger, then I pay taxes, only to buy them back and not much lower than what they sold for. However other things like MU or SPCE seem like good candidates, since I don't expect to hold them for that long and they seem like t

Socialunclassifiedusa
42d05/29war-conflict · 1/5

Are you covered with an ETF savings plan?

Hello dear community, probably a stupid question, but if, according to an online calculator, I invest €400/month in an ETF pump for 40 years, I'll have several million by the time I'm 65. After that I can easily retire and chill out like a king. 4000€ living costs x 12 months x 20 years are only 960,000€. There's easily a million left over and if I die before then... my children will just get it and let it continue. Am I missing something in my youthful naivety? Can it be that simple?

Socialunclassifiedgermany
42d05/29

How can we invest without giving up democratic control over our money?

I don’t want this post to sound too political, but I’ve been thinking a lot about the implications of investing in broad global ETFs. For most of my adult life, I’ve invested in all-world ETFs like VWCE, mostly through US-owned asset managers such as Vanguard, Invesco, and others. For a long time, I saw this as a simple and rational way to invest: low-cost, diversified, passive, and accessible. It's also what... I heard was the "wisest" way to do it. But over the last few months, especially afte

Socialunclassifiedeurope · usa
42d05/29

Best Energy Stocks to Buy

Which energy stocks are people buying? Which energy ETF to look out for? What other ETF’s would you invest in if you have to invest for 2 years max? I am mostly invested in goog, msft, nvda, meta, amzn and ACN, VOO. Which energy stocks are people buying? Which energy ETF to look out for? What other ETF’s would you invest in if you have to invest for 2 years max? I am mostly invested in goog, msft, nvda, meta, amzn and ACN and VOO submitted by /u/Brave_Permit3750 [link] [comments]

Socialunclassifiedsocial-signal
43d05/29

Switch ETFs for retirement planning?

Hi :) I'm currently considering whether it makes sense to "restructure" my retirement provision. I currently have around 70% in MSCI World and 30% in MSCI EM in my retirement planning. Somehow it feels like it would be better to put the entire savings rate into the FTSE All World and not split it up. I'm in my early 30s and still have enough time until retirement so that a change could still make sense. However, it also feels wrong to dissolve the current setup,

Socialunclassifiedgermany · europe · uk
43d05/29

My portfolio

Crypto: BTC – €7,600 (24%) ETH – €1,800 (6%) SOL – €900 (3%) ADA – €800 (3%) Other – €4,500 (14%) ETF: SXR8 (S&P 500) – €12,500 (40%) EMIM – €2,000 (6%) EXUS – €1,200 (4%) I realize there is too much crypto. Honestly, I am a bit lost right now and would like to hear your opinions. What would you change and how would you proceed with €500 a month to invest? My main goal is to build wealth in the long term. I am 26 years old from Slovenia. submitted by /u/Upper_Tradition_5924 [link] [comments]

Socialunclassifiedeurope · usa
43d05/29

How do you save when the future is uncertain?

Hello everyone, I basically wanted to know how you set your savings goals if you don't know exactly where you should go. About me: just 25, I first did an apprenticeship and then studied. I didn't save much but lived my life. Now I work full time and thanks to a good salary I can earn around €1500 per month. save. I use this to save into an ETF savings plan. I'm just wondering, does it make sense to add additional money to the checking account in addition to my emergency fund (two months' salary).

Socialunclassifiedgermany · usa · europe
43d05/29

Finally got a decent salary, started investing in ETFs straight away… what now?

After a long period of study and countless applications, I finally managed to get a well-paying job a few months ago. I have used the last few months to settle outstanding debts, move and save up an emergency fund. I then slowly started to read up on ETFs and general investment strategies and decided to invest in what seemed to be the “Holy Grail” (Vanguard FTSE All World accumulating), €500 per month. What now? I have the feeling

Socialunclassifiedgermany · uk
43d05/29war-conflict · 1/5

Put some investment sense in me

I've been investing for a few months now. I know I should just put money into an ETF like VWCE since it's the safest bet, but I've also been picking individual stocks, and they've given me really good results so far. I'm aware that in the long run, individual stock picking for someone like me is hit or miss. But I genuinely enjoy the process of researching and buying individual stocks based on what's happening in the market. For example, I only invested €100 in Micron, but I'd seen news about a

Socialunclassifiedeurope · usa
43d05/28

which divided ETF do you use?

hi everyone! I was looking for a dividend focused etf and I would like to engage some discussion about that. what dividend etf are you using? why did you choose this specific one? here something that cough my attention (not advocating for those, just seemed interesting): \\-First trust global equity income All countries, all cap, USA now at 16%, basically flat country allocation (many countries around 4-5%), high EUR exposure. are eligible stocks with divided higher than 150% of the universe div

Socialunclassifiedeurope · usa
44d05/28war-conflict · 1/5

Vanguard is retiring ETF Alerts?!?

I just called Vanguard to ask why I never recieved an email alert for an ETF that went below the price and volume threshold I set for it, and to ask if it's possible to setup text alerts as well only to find out they're retiring the entire service soon?!? WTF?!? The lady I spoke with said it will end around June 8th... I rely on that service when I'm away from my computer and not checking yahoo!finance 24/7... This is such a slap in the face as my family has used Vanguard for decades. And for re

Socialunclassifiedsocial-signal
44d05/28

Rate my portfolio (factor tilt + Eurozone bias)

I am 30 years old, living in Germany, and I recently started investing into the following ETF portfolio through Trading212: AVWC: 57% AVWS: 8% AVEM: 9% PRAZ: 26% I plan on contributing monthly for a long time (till retirement). I employed a moderate factor tilt because I do appreciate the empirical data supporting factors and the theoretical justification behind them (especially small-cap value), but I am not convinced that their theoretical foundation is as strong as CAPM's, which is why I keep

Socialunclassifiedeurope · germany
44d05/28war-conflict · 1/5

26M, French DevSecOps, just crossed €82k net worth, mostly through PEA

26 years old, France, working as a DevSecOps engineer for 2 years. Just crossed €82k in net worth, with €60k+ sitting in my PEA. Quick explainer for non-French readers: PEA (Plan d'Épargne en Actions) is a French tax-advantaged brokerage account. You can invest in European-listed ETFs (including world ETFs), and after 5 years you pay zero capital gains tax – only social contributions (~18.6%). Contribution cap is €150k. It's genuinely one of the best retail investment vehicles in Europe and crim

Socialunclassifiedeurope · usa
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