Financial freedom tips early retirement

 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 ...

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.

Interesting year for the stock market a lot of uncertainties caused for example by the US chinese trade war and also the Brexit. I followed my saving plans during the complete year and bought some extra stocks end of 2018 during the market drop. I added my employer saving plan and the depot which is located in Singapur. Right now the saving plans are running very nice and the anual return is close 10% and the total profit hits 10k€. At the moment mainly i try to figure out if its worth to fund a asset management company for tax reasons and easier handling for foreigner depots. Right now i think the management cost for the company is to high and the advantage to less for the amount in the Depot. Did any one have experience with German asset management company rules? So you see another boring year no high potential stocks with an increase of 300% but a steady stabil growth. I am totally convinced that stock picking is a lottery without having very deep knowledge abou...