Financial freedom tips early retirement

Hello Together, i want to give you a short update whats going on in the last 6 months. As you see it´s very boring only to have saving plans but the time is your friend and bring you the money. Saving plan Name / Count / Amount / Performance  MSCI World ETF / 65,8 Shares / 3000€ / +9% the wohle position Saving Cash nothing because of buying a house and do a lot of reconstruction work Dividends 14.12.2016  DEKA Dax ETF ->6€ 01.03.2017  Phillips66 ->7,60€ 04.04.2017  Eurostoxx Select Dividend ->30 59,68€ 02.05.2017   Munich Re ->172€ Relocation Move to a own house and save now the rent (Ok now paying the bank ;-)) Upcoming Saving plans Eurostoxx 600 ETF 100€ MSCI WORLD HEALTH CARE 100€ Saving money for defense ETF Saving Dividends Robo advisio r Small Amount by Cashboard not that convinced that i can recommend it but gives me a free depot where i can do my capital accumulation benefits Capital accumulation benefits I have a capital accumulation

I want to give s short overview about Advantages from ETF´s ETF: Cost: approximately 02-0,8% Diversification: for example MSCI WORLD ETF 1600 company's in one ETF Saving plan: you can easily install a saving plan you can start with 25€ Fee: A lot of the saving plans are free from a fee Huge selection with different sectors: you can combine different Sectors very easy with ETF and lower the risk instead of buying single company´s shares Growth: It depends on the ETF when you buy an index ETF its´approximately the same growth and over the years nothing beats the index Tax advantages: You can buy synthetic ETF instead of replicated here dividends are different taxed (in Germany) Risk: It depends on the ETF but by an Index ETF you have a huge diversification but also the MSCI World Looses up to 50% in the worst crisis. Managed Fond: Cost: approximately 2,5-6% Fee: approximately 1-3% Growth: nothing beats the index over the time some years could be be

Reducing cost is one of the most effective things to generate free money to invest. For me it´s every year like a game to find new, cheaper offers or new customer offers. For me it makes every year up to 700€ only for the new customer Bonus and takes me only 30 minutes! Insurance: Here its sometimes a bit tricky because you can not change a live insurance easy. Here i only check my health insurance and my liability insurance In case of Car insurance check these because here you can safe a lot of money! Gas: It sounds stupid but i quit every year my gas contract to change to another provider. Here i get the same price or cheaper and mostly a few hundred euro new customer bonus. It takes me 5 minutes over a comparison site for example check24.de in germany Electricity: its the same easy process like gas. :-) Cable TV/Internet: I have a 2 year contract where i have the first year new customer conditions and then i must pay 60% more. So i quit every year and

Hello togehter, i consider to buy a Defense ETF but my problem is there are not much opportunities on the market. I found one iShares Tr.-DJ US Aerosp.&Def. US4642887602 but i cant buy it on a german marketplace. Any recommandation or experience with that topic?