Special repayment, saving or consumption?

2022-06-21 08:28:41

The probability of hitting exactly such a period is significantly lower than the other way around, but precisely for this reason, an investment period of at least 10 to 15 years is always recommended. Watching money lose value sitting in the account can also not be an option.

Yes, of course. But until about half a year ago, one could sometimes get the impression that you couldn't lose money with ETFs. In good times 20% and in bad times only 8% because that's the average ;) Much more decisive than the holding period is, by the way, that you don't have to sell at the worst possible time (e.g. because 600k residual debt is to be redeemed with ETFs ;) ). Those who had to sell in 2008, for example, could have been involved with a savings plan for 20 years and had very poor returns. Those who could push that to 2009 or 2010 were much better off.

2022-06-21 08:47:27

A practical mix of saving and consuming is, by the way, investing in things from the blue and yellow furniture chain.
I have already experienced several times that you can sell used items from them – in my case among others bedding – years later for more than twice the original price.
This way you consume, can enjoy the items when they are new, and when you have had enough of them, you take a market-beating return on resale and also act sustainably.

If you want to do this on a large scale, however, you need a big attic.

This applies especially to products that have been discontinued.

2022-06-21 09:53:04

Yes, of course. But until about half a year ago, one could sometimes get the impression that you couldn't lose money with ETFs. In good times 20% and in bad times only 8% because that is the average ;)
Much more decisive than the holding period is, by the way, that you don't have to sell at the worst possible time (e.g. because 600k residual debt is to be paid off with ETFs ;) ). For example, those who had to sell in 2008 could have been invested with a savings plan for 20 years and still had very poor returns. Those who could postpone that to 2009 or 2010 were much better off

I had liquidated the portfolio at that time when we received a reservation commitment for the property. We were rather surprised by this, hence the late timing.
The money was actually spent only 9 months later.

That means if I know I need the money from the portfolio and a purpose restriction arises, I dissolve it in time and not shortly before it's tight. That would be false greed.

2022-06-21 10:30:32

Try that with used underwear.

So in certain niches of the internet, you can even multiply the original price by ten. *cough*

2022-06-21 10:43:46

Also in certain niches on the internet, you can even multiply the new price by ten with it. *Cough*

not with mine and yours for sure

2022-06-21 10:46:22

Everything is a question of declaration

Special repayment, saving or consumption?

WilderSueden

Fuchsbau35

guckuck2

Tolentino

Nida35a

KingJulien