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Old 10.01.2021, 20:26
nonnative nonnative is offline
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Re: How much you are able to invest in stock market?

I am not an expert in investing, I keep about 5 months of combined monthly salary (spouse and myself) as liquid cash, we have 2 kids. Any amount saved on top of that is invested mostly in stocks , ETF's and bonds(just to beat inflation).

In the past I used to invest in actively managed fund products (Fonds) but I realised that I was paying too much of management/buying/selling fee (>2%) and performance of the fund not so great.

Last couple of years, I use platforms like Degiro and IB when investing myself (very cheap), off late I lost interest to analyse companies ratios and performance , so I setup accounts with Yova, Selma, TrueWealth and Raiffeisen Rio. Their digital platforms do charge a fee, a little less than 1% (depends on the amount you invest).

But I am aware that 1% fee is too much (Especially over time). But on the other hand cherry picking the right stock's and ETF's is not natural to me, so I pay the fees.
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