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.

Short Update about the past two quarters A lot of changes: I sold Phillips 66 in total with 23% profit (i know to early but you never hit the perfect time). As posted before changend my saving plans to Lyxor. I also increased the amount of them because of a salary raise. I stopped 2 saving plans MSCI World Consumer / MSCI World Healthcare because of bad performance and high cost. Actual Performance from the past two quarters is about 11.4% one reason is the Exchange rate from the US Dollar to the €. The Whole Depot is approx. 16% in Plus. I am very happy about the performance and keep going. You can watch the share depot live updating here. Live Updating share depot Saving plan Name  / Amount MSCI World ETF 750€/month MSCI India ETF 100€/month MSCI Euro Stoxx600 250€/month Saving Cash 3000€ Something from selling Philips 66 and dividends to buy some extra shares MSCI World ETF when market drops a bit Dividends 18.04.2018  Eurostoxx Select Divide...

Honestly i first start tracking the saving plan for this year, next half year overview then is complete with all older positions. With the Saving plans i get a yield from aprox 5%/year its a good value but pretty low for the record year. The reason for the "poor" performance is that the biggest stock are in USD Dollar and shown in €. All in all for a good year. I keep going with my savings only changes the ETF´s from Comstage to Lyxor simple reason the promotion from my broker for Comstage ends.  The whole Depot is now 15% plus. And Ive done my first Crypto "Invest" in Verge XVG.  https://vergecurrency.com/langs/en/  It was not that easy to get it like a stock and its very bumpy but interesting an I've learend a lot. Hope you all had a Good Start into the new Year Happy Investing in 2018