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

Therefore, my opinion is to put all remaining money into one World or Allworld ETF and be done with it, and to reconsider it at the earliest in 5 years.

Can you give me a direct recommendation about which platform and which ETFs/funds specifically? So that I can read up on them in a targeted way...

Industrialized countries indices:
- MSCI World
- FTSE Developed

Developed + emerging markets indices:
- MSCI All Countries World Index (ACWI)
- FTSE All-World

Whether to include emerging markets is a matter of taste. Various fund companies then offer funds on these indices: Lyxor, iShares, X-Trackers, ...
However, since they track the same index, it is more like Coca Cola and Pepsi Cola. You can make a religious war out of it or accept that it is basically the same thing. The same applies to the broker. Direct banks have now caught up well on prices and partially offer free savings plans, e.g. ING. It's a bit cheaper with the neobrokers like Trade Republic, Scalable, Smartbroker. But here too, it's more of a third-order optimization.

Got zero clue, that’s why I have Oskar... Simply put: a new month starts, I have 500 euros left, and I buy 5x 100 MSCI at 100 each? And I keep doing that until my fixed interest period expires? With fixed-term deposits, I can surely get 2.5 percent soon for 3 years at common German banks. Is that the safe bet or what could ETFs bring? Times have been very unsettled for a long time now. I don’t want to lose anything over 8 years, rather earn at least 1.6 percent interest, because I also pay 1.6...

You set up a savings plan that then buys for the amount every month. It also buys fractional shares, for example 123.4 shares if the price corresponds. Some brokers offer to debit the money from the checking account, with others you just have to set up a standing order. After that, you don’t have to worry about anything anymore.

Long-term historical returns are 5-8%, but of course nothing is certain. It can also happen that after 5 years there is a loss. But that's no different than with [Oskar].

Simply put: A new month starts, I have 500 euros left over and buy 5x 100 MSCI at 100 each? And I do that until my fixed interest period expires?

This is a classic use case for an ETF savings plan. You can do this at any regular bank, many offer free accounts. We are with ING, but almost all banks offer this. At the traditional "local" banks, a fee is often charged. We have many of the common ETFs (iShares etc.) as "free savings plans," so you don't pay any fees for the settlement. With savings plans, you can also buy "odd amounts" of ETFs. When you buy shares individually, you always have to buy whole units.

At 7.5 years, I would not recommend ETFs. They have an investment horizon of 15+ years. The shorter, the riskier. I would go towards fixed-term deposit/daily allowance. Part of my financing also expires in 2030, the rest in 2040. For 2030, I am currently investing in fixed-term deposits, but only a part of it, as I assume that interest rates will still rise. For 2040, the money is in an ETF.