{"id":3343,"date":"2023-12-11T09:24:52","date_gmt":"2023-12-11T08:24:52","guid":{"rendered":"https:\/\/konto-kredit-vergleich.de\/?p=3343"},"modified":"2024-04-15T22:45:58","modified_gmt":"2024-04-15T20:45:58","slug":"passiver-etf-sparplan-eine-langfrist-illusion","status":"publish","type":"post","link":"https:\/\/konto-kredit-vergleich.de\/en\/passive-etf-savings-plan-a-long-term-illusion\/","title":{"rendered":"ETF savings plan \u2013 long-term illusion?"},"content":{"rendered":"

I often read that you can create an ETF savings plan and then just let it run for 30 years. But is that really possible? I'll do a quick fact check.<\/strong><\/p>\n\n\n

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Disclaimer in advance:<\/strong> This article is in no way intended to belittle ETFs per se. ETFs are a great investment vehicle. They are easy to understand, have a balancing effect due to the large number of sectors and countries represented and can easily be automated through savings plans. In addition, they are very cheap!<\/p>\n<\/div>\n\t\t<\/div><\/div>

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the illusion <\/h2>\n\n\n\n

Set it up once and just let it run for 30 years<\/strong>. That doesn't work with an ETF savings plan any more than it does with any other project. Projects always have to be readjusted. Mostly it is because I have changed boundary conditions. Nothing else is the task of politics: constant readjustment, so that the people are kept happy <\/p>\n\n\n\n

Look in the rear view mirror \u23ee\ufe0f<\/h3>\n\n\n\n

The world of ETFs is also subject to constant change, particularly as a result of technical progress. First, let's take a look in the rear-view mirror:<\/p>\n\n\n\n

The actual breakthrough of ETFs in Germany took place around the turn of the millennium. Before that, funds could only be bought through fund companies such as Deka \u2013 at astronomical fees. ETFs have been approved in Germany since around 2000. It took another four years, until 2004, before specialized ETFs on real estate, gold and emerging markets became available. Over the years, the world of ETFs expanded very quickly and there was a real boom. In the period between 2000 and 2007, there was a hundredfold increase in investments in ETFs.<\/p>\n\n\n\n

The cost of ETFs before the 2008 financial crisis compared to today's offerings was enormous: there were hefty front-end loads in the three to five percent range. Even today, there are still such expensive actively managed <\/a>equity funds. However, they generate at most a frown among informed investors today. The ETF costs have fallen to a tenth in 10 years<\/strong>. ETFs today are as low as 0.3 % fees. Large ETFs often only incur costs of just 0.1 %. <\/p>\n\n\n\n

Situation of ETFs today \u23ed\ufe0f<\/h3>\n\n\n\n

In February 2020, let's take a look at the list of ETFs on the MSCI World Index at justETF. 18 ETFs on the MSCI World are available here. None of these 18 ETFs existed in 2000. The oldest ETF is the ComStage MSCI World UCITS ETF <\/strong>which has been available in Germany since 2008. Many of the ETFs on this list are only a few years old. Especially in 2018 & 2019 numerous ETFs were added.<\/p>\n\n\n

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All available ETFS on the MSCI World 02-2020. The oldest ETF is the ComStage MSCI World UCITS ETF, which has been available in Germany since 2008. Source: JustETF.com<\/figcaption><\/figure>\n<\/div>\n\n\n
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How big is your pension gap? - Mind the gap!<\/a><\/blockquote>