Financial freedom tips early retirement

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

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 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?

Share a Draft for Live updating portfolio tracker in google with you. There is a How to on my site including Youtube Video. If you have any questions feel free to ask.