Follow-up Financing 2030 Prepare Now Building Savings Contract/Special Repayment/Fixed Deposit

I would make special repayments annually. Why? It is in human nature to spend what is saved. What is gone, is gone.

I would make special repayments annually. Why? It is human nature to spend the savings. What is gone, is gone

At 1.6% interest, that would be my last option.. Secure investment through savings plans and done.

Am I the only one here in the forum who also finds 100K a lot? :) Sure, it used to be 420K, but 100K with a high interest rate is "too much money for the bank," whichever it becomes.

Am I the only one who thinks that then €400K or more in net worth is a lot? Who can claim that at that age? ;)

Oskar as a robo-advisor is guided ETF saving. Until now, I haven't dealt with it otherwise, and without guidance, I would have to familiarize myself with it... But I'm not so risk-loving that I would just go to the stock market with my money like that

No way. A Finanztest costs 5€, and with the largest MSCI World ETFs you do as much or as little wrong as the rest of the world. :)

May I ask what you mean by that?

Either secure everything with a building savings contract or nothing at all. The rate for the building savings contract is a bit higher, but then you don’t have to worry about interest rates or follow-up financing. We don’t need to talk about special repayments if you already get more for fixed-term deposits. I also find 2% fixed-term deposits only moderately interesting with 10% inflation. In the long term, you won’t beat inflation with interest products either. Personally, I would open a second portfolio for the house, save the “special repayment” there, and see where interest rates are around 2028. But I can also understand if someone saves part of it in fixed-term deposits.

With the building savings contract, you have the disadvantage besides the closing costs that you do not receive any interest on your savings rate. Additionally, with an 80`€ building savings contract, you still need an additional loan of 60´€, which is expensive due to the small amount and, because of the land register priority, can only come from the same group as the building savings contract. You only get the low building loan interest rates with very fast repayment. Therefore, in my opinion, put all other money in einen World or allworld ETF and be done with it, and reconsider it no earlier than in 5 years.