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TB98

@TB98

2Mo·

Hello everyone,

I want to set up a small share portfolio for my mother-in-law for her pension.

The investment horizon is around 15 years.

She plans to pay in €250 per month.

As soon as the subsidized equity pension option is available (2026), this will also be used.

Now I'm wavering between several options "70-30" method from $IWDA (-0,69 %) and $XMME (-0,1 %) or a $ACWI .

I could also imagine adding a $XDWT (-1,35 %) to add.

Do you have any suggestions or impressions?

Thank you for your ideas!

#aktienrente
#etfs
#rente

17 Commentaires

Kolibri@Renditedichter

2Mo

Everything goes into the ACWI and that's that.

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Epi@Epi

2Mo

If it's grandma and she's never had anything to do with shares, I would urge caution!
Not everyone can cope with a 50 or 60% slump, as stocks have already had a few times. The stress level often rises to such an extent that beginners sell at the lowest point and never want to talk about it again.

Ergo: a pure equity ETF solution is not for grandma because of the vola. An allocation with lower volatility would be better, e.g. Ray Dalio's all-weather portfolio. It rises less, but almost always. It's much more relaxed for Grandma. And ultimately for you too.

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Dussel Duck 🍎🍏🥂@DusselDuck

2Mo

@Epi How did you come up with grandma?

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Epi@Epi

2Mo

@DusselDuck Sorry. Mother-in-law always makes me think of grandma... You're right. But the factual point remains the same.

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TB98@TB98

2Mo

@Epi Good point, but she can cope with that. She already has "safe investments", so it's not really about risk diversification. On the subject of grandma, unfortunately she still has to be patient for a grandchild. 😂

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Hendrik@hendrik_lmr

2Mo

ACWI and that's it 👌🏼 It couldn't be simpler and there's probably no better price/performance ratio than this either

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Jacob H.@capital_sherpa_1018

2Mo

@hendrik_lmr by acwi you mean the MSCI ACWI USD (Acc)

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Hendrik@hendrik_lmr

2Mo

@capital_sherpa_1018 I mean $ISAC

IE00B6R52259

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Jacob H.@capital_sherpa_1018

2Mo

@hendrik_lmr are you familiar with crypto should one still invest in Solana?

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Hendrik@hendrik_lmr

2Mo

@capital_sherpa_1018 These are questions that no one can answer 🤷🏽‍♂️ Of course you can buy Solana now and the price will continue to rise, but you can also have the misfortune of buying at the all-time high and then the price will fall again.

Basically, you can say that Solana and many other cryptos and shares are currently rising because the market is assuming that the election of Donald Trump as President of the USA is positive for the US economy. If the opposite turns out to be the case, things will go down again just as quickly. How the market assesses this situation is more decisive in the short term than the question of whether you buy Solana, Bitcoin or Microsoft.

Take the time to watch videos about the stock market and macroeconomics. There should be no buy or no-buy recommendations in these videos. This looks dubious. Try to find videos that explain the connections between the economy, politics and the stock market and don't look for simple answers to questions like "should you buy Solana now?".

You are welcome to take a look at the stock market guide for beginners, which also contains many YouTube links https://getqu.in/oEWUxZ/ https://getqu.in/oEWUxZ/

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Jacob H.@capital_sherpa_1018

2Mo

@hendrik_lmr Thank you for your message 👍🏼😃

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Voir toutes les 5 autres réponses

John@Transporter

2Mo

With the departure of Mr. Lindner, the share pension has unfortunately become a distant prospect for the time being.

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Marcel@xzxzx

2Mo

All in World and ready👍

You have my respect for the idea and for the future implementation!!!

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Nostradonkey💩@DonkeyInvestor

2Mo

Would not interfere in the finances of family and friends

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userd5c7350bb1304f05@userd5c7350bb1304f05

2Mo

$VWRL would also be a possibility

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Dollardackel@Dollardackel

2Mo

Is the equity-based pension still an issue? Has it already been decided?

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TB98@TB98

2Mo

@Dollardackel Unfortunately, I can't find anything about this. As of 01.01.2026, employees can choose whether they want a Rister or a retirement savings account.

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