Hello Bieber0815,
yes, I know both of them and would not recommend them. Too many costs. But unfortunately, I have not found a product yet, not even through this board or "Anlageberater," that offers a cost-effective product with a "good" return.
I have been dealing with this for quite some time and have not come to any useful result. Many forget the withholding tax and calculate results quite optimistically! The awakening comes afterward.
Well, it was just an idea to ask here.
Thanks anyway.
Regards
MaHaus