3 gefährliche ETF-Fehler, die fast jeder Ü50 macht

There are three dangerous ETF mistakes that almost everyone over 50 makes. Yes, and these apply both to those who have already built up considerable assets and above all do not want to lose them now, and to those who feel they are quite late and still need to close their pension gap. This video explains what these mistakes

are and how you can protect yourself. Mistake number 1. The first mistake happens even before a single euro is invested; don't even start. Yes, and people over 50 regularly write to us wondering whether ETFs are still worth it for them. The money then sits in the savings account for years, languishing there . And this caution is perfectly

understandable at first glance, because a basic rule of thumb for investing in ETFs is: "Yes, what's invested in equity ETFs should n't be needed for at least 10 to 15 years , so you can simply ride out any temporary crises. And if you're 55 and retire at 67, that's only 12 years. Sounds too

short, so I'd rather not. But there's a flaw in this calculation, because it assumes you'll need all your money at once on your first day of retirement . But you won't. In retirement, you withdraw it bit by bit , month by month, over 20, 25, or even 30 years. And that means the 10 to 15 years

essentially count for each individual savings payment. From the day you start it, from the day you withdraw it. And that almost always adds up to enough time. Yes, if you start investing at 55 and don't spend anything until you're 75, Then the whole thing has had 20 years to work. Your very last withdrawals

might even be in the portfolio for 30 years. So, in your early or mid-50s, you still have plenty of time to get started, and even if your retirement is much closer, it's not too late. You can then first build up a secure buffer for your first few years of retirement. We'll get to that in a moment