A1JX52 as a savings plan at a larger direct bank like DKB, Comdirect, ING, I am with Maxblue
Does this also work with the Postbank with fair conditions? I have an account with them where only the building financing runs through and the account has no account management fees. They currently have a Special November here. They don't have the fund you mentioned, but they do have other MSCI World etc... First, find out what the individual funds mean, because when I open them, the curves are almost identical with hardly any deviations... Also, the increases in percentages are quite close together...
For 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.
5 years 56.7%... Well, now there was Corona, war etc. since 2020... Not good times... But what goes down also goes up again... And if you put in, say, 20,000 directly now, it could look quite good in 5 years. Haven't I already won if I "earn" more than 2x 2% for 3 years each? On the checking account, it won't get less, but also not more. Fixed-term deposit is risk-free and with a small increase that hardly matters. ETF is currently gambling...
