Top up your pension by investing in the stock market?
I, male, 24, feel compelled to invest money in the stock market so I won't have to go to bed hungry as a bottle-deposit collector in retirement. A quarter of my salary is now spent on this. What are you doing to prepare for retirement? The outlook looks very bleak if you don't actively take action against your own impending poverty in old age…
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In fact, the stock market is very lucrative and promises the highest performance.
Please leave your fingers away from fund-based pension insurance, because only the sales and insurers have what. You have to pay very high costs on the return. Saving with an insurance coat is bullshit.
Therefore, even provide in a savings plan with shares funds or ETFs.
You can save your €50 or €250 per month, and with time you will also have a nice amount if you have over 20 or 30 years.
I don't feel anything, but do the same. Only a third of the low wage 🙂
The state theoretically has access to shares. I think when it comes to hard, the state will be solid with the pensioners and redistribute your money. For real socialist solidarity is best done with the money of others;-)
I got a little bitcoin position on it. I'll keep them on my wallet. When it comes to thick, I can hide them and easily get out of the country.
For the shares I have 3 dividends ETFs and 2 market-neutral and a Quality ETF. All are bulking and I come to a dividend return of 3.5%-4%.
Fortunately, I'm well secured by the state as I'm an Autist. Otherwise, I don't care because we don't get old anyway, for various reasons: threatening climate catastrophe, diseases such as cancer, war etc.
My focus is on the stock market. This has proven itself long and trusted my money rather successful companies than the state. In order to improve returns, I invest in options trading in lucrative times. After the Corona Crash, this has generated good returns for 3 years. I set a small part on BTC/ETH. As another pillar, I still have the pension from the state. However, if it is not enough in the future, I can also avoid countries that are cheaper. My plan summarized briefly.
It is indeed a good idea to build up a stock cushion in young years.
Whoever makes this systematic will be able to harvest the fruits of his doing later.
It was with me that I started with share funds.
After reaching a critical mass of just over EUR 35,000, I started to gradually shift to individual values that I previously carefully selected.
I have always tried to have a healthy dispersion in the depot.
Today I have 43 titles that perform differently.
As long-term investors, I am not interested in temporary price fluctuations.
I understand price declines as a purchase opportunity.
BTW: Shares are special assets and not part of the bank balance.
Even with a bank's bank, the shares remain you.
This is not the case with all money-based titles.
You can also stay with funds and ETFs or not?
The risks remain relatively low for a long time
You can do that, but you have long-term disadvantages for ETF:
At the moment you have accumulated sufficient critical mass of capital, you can join your own fund.
That's what I did.
Then you should look for other help…
just need training and work properly!
money left! then invest in deka fund!
Become an official and look forward to the pension :-).