Financial freedom

Hello i want to share my expirence in learning financial freedom with you.

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Real Estate Investment

 Hi All, long time no see! hope all of you are healthy and had a great new year eve As you may noticed i hit the 100k€ value in my Account, great success for me. I made a small Adjustment in my Account i switched to a new MSCI World ETF from xtrackers due to the lower fee (0.19%) and increased the amount back to 1400€/month. And i did to two bigger steps to reach financial freedom soon 1) I changed my employer and got a salary increase not that big but approx 7% With my new employer i joined a retirement plan which i pay 350€ before tax and my employer add another 150€, they guaranteed 3% annual yield. I Did this because in total this is a approx 6% guaranteed yield for my retirement and i am able to receive first payment at the age of 60 years. 2) I bought one Flat with garage for rent. Yes this was a bigger investment on the first view, but i only pay the additional purchase costs its a 100% credit and i only pay off 2%/year So in my opinion its gifted money with a bit work  in the b
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Update depot and new updating calculations on sheet

Hi all, exciting times on the stock market but i love it when everyone is scared and prices drops. I used this to increase my position on the DAX the prices are underrated in my eyes. Its always a risk but normaly it pays of for me. I also increased the monthly saving rates for my ETFs to use the low prices. new updating calculations on sheet Changed some calculations on my live updating Google sheet. -Result p.a. since 01/2018 is now added and and self updating the value  For questions feel free to ask
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Is it a V?

Hey all, just want to give you a short update and share some thoughts. Right now the market recovered a bit and settled down volatility decreases. All extra buys are now in plus and everything looks fine so far but i dont´trust the silence ;) So i decided to clean some old stocks which i bought in the beginning to generate some cash and have a clean depot. I still got a good price and now i am prepared for possible new crashs. Saving Plan adjustment I also decrease again the saving plan back to 1300€ to increase again the cash level a bit. And now i have only a saving plan with the MSCI World. I am convinced this is enough and it shows a stable performance (still boring but stable) So stay save and try to calm down in market crash not sell your stocks see it as a chance to collect cheap. I think the last couple weeks showed again there is no way without stock even in such situations.
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