Calculate ETF savings plan (Figure: Fauxels, Pexel)
How much does an ETF savings plan really bring? How does your assets develop over the years when you invest regularly?
Our ETF savings plan calculator gives you the answer – in a few seconds and with realistic scenarios.
With just a few entries, you can calculate How much can become of a monthly savings rate of 50, 100 or 500 euros in 10, 20 or 30 years – including Rendite, Compound effect and tax consideration. So you can see at a glance what influence, return, return and savings rate have on your final capital.
Whether you are just starting or optimizing your existing ETF savings plan-our computer will help you To make clear finance decisions and to get the best out of your money in the long term. Now try it out and see how your assets are growing.
This is how our ETF savings plan computer works
With our ETF savings plan calculator You can calculate in a few seconds how your assets have developed over the years.
Regardless of whether you want to start investing or optimize your existing strategy – the computer shows you at a glance, how much of your monthly savings amount in 10, 20 or 30 years.
How to use the ETF savings plan calculator step by step
- Define monthly savings rate -Enter how much you want to invest in your ETF savings plan every month.
- Determine the term – Select whether you want to invest 10, 20 or 30 years.
- Enter expected return – The computer shows you different scenarios from conservative to optimistic.
- Analyze the result – The computer shows you how high your final capital can be depending on the market development – and what influence your savings rate has on wealth growth.
Use ours now ETF savings plan calculator and see how your assets develop over time – The earlier you start, the greater the effect!
What is an ETF savings plan?
A ETF savings plan is one of the simplest and most effective ways to build up for a long time – without constant observation of the stock exchange or complicated investment strategies.
It will be Every month a fixed amount in one or more ETFs (Exchange Traded Funds) Invested, i.e. stock market traded funds that reproduce an index such as the MSCI World or the S&P 500.
How does an ETF savings plan work?
- Set monthly savings amount – You determine how much money you want to invest per month (e.g. 50, 100 or 500 euros).
- Select ETF – Mostly widely spread ETFs are used that invest in hundreds or thousands of companies worldwide.
- Automatic execution -The bank or the broker buys ETF shares for you-regardless of whether the stock exchange is currently high or low.
- Use compound interest effect – Over the years, their invested capital grows not only through deposits, but also by yields that are automatically reinvested.
Why is an ETF savings plan so popular?
- Simple & automated – Set up, lean back and benefit in the long term.
- Wide scatter & security – ETFs invest in many companies at the same time, which minimizes the risk.
- Flexible & adaptable – Sparing rate can be changed or paused at any time.
- Perfect for long -term assets – Through the Compound effect can become a remarkable sum from small amounts for years.
An ETF savings plan is particularly suitable for everyone who Invest long -term would like to, but don’t feel like watching the market every day.
If you start early and invest regularly, you can build up a solid financial cushion over time – and that is completely stress -free.
Cost: How expensive is an ETF savings plan?
A ETF savings plan One of the most cost -effective ways to build up for long -term assets – but it is not completely free.
Depending on the broker, different fees can be incurred, which affect the return in the long term. Therefore, it is worth looking closely and choosing a provider with cheap conditions.
A ETF savings plan is one of the cheapest ways to build up for long -term assets – but it is not completely free.
Depending on the broker, different fees can be incurred, which affect the return in the long term. Therefore, it is worth looking closely and choosing a provider with the lowest possible costs.
What are the costs of an ETF savings plan?
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Order fees per savings rate: Many brokers require a fee per savings plan, mostly between 0.99 euros and 1.50 euros or 0.2 to 1.5 percent of the savings rate. However, some providers offer Free ETF savings plans for certain ETFs.
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Administrative fees of the ETF (ter – Total Expense ratio): Every ETF has one running cost quota (ter)that is automatically deducted from the fund’s assets. This is usually between 0.07 and 0.5 percent per year. Particularly spreading ETFs such as the MSCI World or the S&P 500 are often very inexpensive.
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Spreads and trade costs: When buying ETF shares, there are often small differences between Purchase and sales price (spread). These costs are minimal, but can add up over the years for frequent purchases. Direct banks and neo-brokers usually have cheaper conditions than classic branch banks.
Example: How do the costs affect the return?
Suppose someone invested 100 € per month In an ETF savings plan with € 0.99 order fee and one Ter of 0.2 %:
- Order fee per year: € 0.99 x 12 months = € 11.88
- Ter costs at € 10,000 deposit value: 0.2 % = 20 € per year
- Total costs per year: 31.88 €
This sum seems low, but over 30 years can the difference from the compound interest effect Thousands of euros add up.
ETF savings plan or one-off system?
Anyone who invests in ETFs often faces the question: Invest monthly with a savings plan or would you prefer to create a larger sum at once?
Both methods have their advantages and disadvantages- and which fits better, depends on your own financial goals and the available sum.
ETF savings plan-regularly invest with plan
The ETF savings plan will A fixed amount invested monthly – Regardless of whether the courses are high or low. This strategy will also be COST-Average effect Described because you buy at different courses and thus avoid the risk of poor market timing decision.
✅ Advantages:
- Lower risk – Don’t worry to get in the wrong time.
- Predictability – Automatic investment without constant thinking.
- flexibility – Sparing rate can be increased, lowered or paused at any time.
- Ideal for long -term assets – particularly suitable for beginners with monthly income.
❌ Disadvantages:
- No direct market advantage – If the stock exchange increases in the long term, part of the capital remains uninvested.
- Slower assets – Anyone who has a large sum can benefit from market growth faster through a once system.
Once – invest directly with a larger sum
At a One -off system If a high amount is invested in ETFs immediately – for example 10,000 or 50,000 euros in one fell swoop. The advantage: the entire capital can immediately benefit from rising courses And the compound interest effect begins to work immediately.
✅ Advantages:
- Maximum return opportunities – Anyone who invests early gives capital to grow more time.
- Interest rate effect starts directly – Yields are immediately reinvested and grow faster.
- Statistically at the long term – Historical data show that one Early investment Often better cuts than investing steps.
❌ Disadvantages:
- Higher timing risk – If the markets fall after the investment, the entry could have been unfavorable.
- Psychological pressure – Many investors hesitate out of fear of a “bad time”.
What is the best strategy?
That depends on your own situation:
- Who save regularly want and don’t want to worry about market fluctuations, drives with one ETF savings plan very good.
- If you already have a larger sum in the account, you can use a Once the system benefit immediately from market growth -or stretch the investment over several months to reduce the timing risk.
Conclusion: ETF savings plan-the simplest strategy for long-term assets
A ETF savings plan is one of the best ways to build up for assets in the long term with minimal effort and low costs. Through the regular investments the risk of poor start is minimized, and the Compound effect ensures that even small amounts can grow strongly over the years.
The advantages are obvious: Invest automatically, put on a wide scattered and remain flexible. The savings plan is an ideal solution, especially for investors who do not want to deal with the stock exchange every day.
However, the Keep an eye on costsbecause fees for savings plan versions and ETF administration can make a noticeable difference in the long term. A cheap broker and ETFs with lower Ter Help maximize the return.
When is an ETF savings plan worthwhile?
- If you want to invest regularly, but don’t have a large total amount.
- If you want to build up assets in the long term, without having to follow the market every day.
- Who of Wide scatter and low costs want to benefit.
For many investors, an ETF savings plan is The simplest way to financial freedom. Those who start early and invest consistently can build up a solid financial cushion over time – without adjusting them without complicated strategies or constant re -adjusting.