My Answers in red Quick question though — could you share more details on the cost structure of your new funds? Specifically: 💸 What are the annual fees and transaction costs? I Pay 0.2% each year for the Account Value 1. Vanguard Global Stock Index Fund – EUR Acc (VANGEIS) https://www.de.vanguard/...

I've made some changes to the securities. The goal is to reduce fees. I completely sold the MSCI World ETF (ELFW) and the Deutsche Boerse EUROGOV Germany 10+ (EL4V). The new funds are index funds from Vanguard (not listed on the stock exchange). - Global Stock Index Fund - EUR Acc (VANGEIS) - 20+ Ye...

My choice for long-term bonds is an ETF on the EUROGOV® Germany 10+. The average remaining term is currently 18.9 years. The ISIN is DE000ETFL219. This year, too, despite all the uncertainty caused by politics and the decline of the US dollar for European investors in the eurozone, the portfolio is ...

dualstow wrote: ↑Sun Jun 15, 2025 6:54 pm Has anyone seen Department Q on Netflix?

So great.

Yes, it was a 2 Evening Journey. Waiting for the next Season

Smith1776 wrote: ↑Sat May 24, 2025 3:44 pm - 30% bonds

What Kind of Bonds do you aim?

I've been investing €1,000 a month in the PP since January 1, 2023. So far, none of the four components has reached the 15/35 range. Gold was close to it once in April, but never reached it. If the range is reached, I could sell gold tax-free, as the holding period of more than one year was met. How...

Not yet, Gold is 30,4%
LT Bonds 20,5%

frugal wrote: ↑Thu Feb 27, 2025 5:06 pm Do you think it is possible to achieve to zero profit int the long term?

I hope you mean zero tax. I don't think that always works. There will not always be shares in the portfolio that are in the red.

Call it Tax Harvesting, if you Need another claim for it.

This could work if you find out beforehand what amount you need for the offsetting. Then you sell the position that is in the red in the amount required to generate losses of a sufficient amount. Then you sell the position with the profit and the tax result is zero. Assuming you have a position that...

When CEU is the Bloomberg Ticker, then it is this ETF: AMUNDI INDEX MSCI EUROPE ESG BROAD CTB UCITS ETF DR - EUR (C) Compare this Fund with a normal Europa ETF https://www.fondsweb.com/de/vergleichen/ansicht/isins/LU1681042609,LU0389811885 Someone from Amundi chose the Index "MSCI Europe ESG Br...

frugal wrote: ↑Sat Feb 22, 2025 9:11 am Hi G ,

What do you mean with not clear the CÉU?

Money means what ? At home ?

Regards

I translated the CEU, is this the correct ETF? If yes, it‘s a mess.

Money means, Euro in a Bank Account

Hi GRINCH, where are you from? :-) Germany a) I have EU-PP with CEU for stocks Amundi MSCI Europe ESG Broad CTB UCITS ETF DR EUR C esg is horror for me. no clear definition of the criteria I am not sure I should have ETFs of short term bonds. I think I should have deposits in bank with more profit f...

frugal wrote: ↑Sat Feb 08, 2025 12:34 am I am 100% on
European permanent portfolio
And wondering if I should add USA HB-PP
There is a Spanish guy with multiple PP from Europe and UK and US and more …
Let me know your thoughts
Hug

What is your part for Stocks?

The easiest way to buy for me

The link is a joke and a famos TV Special in Germany, to explain „The Same Procedere…“
Cash is a simple Account. The balance is currently not so high that it is no longer covered by deposit insurance.

The same procedure as last year Miss Sophie
https://www.ardmediathek.de/video/dinne ... zEtMTUtNTA

ELFW For MSCI World
EL4V For Bund 10+
4GLD for Gold

The year isn't quite over yet. I am very quite happy with the result for 2024. In 2024 I have a performance of +13.94% and an interest rate of 14.04% The Overall Performance is: 18.97% and the interest rate is 12.54% The bandwidths for rebalancing have not been touched, so things can continue into t...

This is the First year with monthly 1000 Euro. The money-weighted return calculation is 7,8%

The year isn't quite over yet. I am quite happy with the result for 2023. Even the long-term bonds still deliver a conciliatory result at the end of the year. Overall I have a performance of +3.88% and an interest rate of 7.80% At the end of the year, some interest from the daily money will be added...

What is the context of the thread title? I am waiting for Infos about the New German Demagogen.

frugal wrote: ↑Fri Jan 20, 2023 8:16 am Can I consider net family wealth as part cash?

why not, but then it will probably be above the bands for reballing

What about
ISIN: LU1829219556
WKN: LYX0Z6
Ticker: LYS4

ELFW For MSCI World
EL4V For Bund 10+
4GLD for Gold