Comdirect Savings Plan Shares

List of Comdirect Savings Plan Shares

ComDirect Sparplan as Autopilot

Automated investing. For some years now, many brokers have offered the option of setting up a savings plan on shares or ETFs. This is a regular purchase of securities at a predetermined price. The advantage of savings plans is a low or even no order fee.

Even today, individual purchases of shares are still very expensive with some brokers, which means that it is often only worthwhile to execute an order from €1,000. With the new Neo brokers, the whole thing has changed somewhat. Many offer very low order fees and the execution of savings plans is even free.

To explain the whole thing with an example, let's assume that we want to make a ComDirect savings plan on the Apple share. We first determine when the ComDirect savings plan should be executed. Here you are somewhat limited, because most brokers only offer the beginning or middle of the month. If you want to invest at longer intervals, you can also choose quarterly.

Then you select the ComDirect savings plan amount. Here it usually starts at €25, although this is also lowered further and further for many. This sum is now invested in Apple shares by the broker puts a share of a whole share in the deposit. This means that at a price of 150€, you get 0.166 shares worth 25€.

Good start for beginners

Easy way for private investors. For many beginners it is a big problem to know when to get in. Is the share now too expensive or very much worth buying? A ComDirect savings plan anticipates this question, because the same amount is always invested each month, regardless of where the share stands at that time. So you invest in good times as well as bad and get an average entry price in the long run.

For many private investors, a ComDirect savings plan provides psychological support, because the risk of entering at a very bad time is taken away. Many private investors put themselves under pressure and stress when prices fall. Many also get very nervous when there is a minus in the portfolio shortly after a large purchase.

The ComDirect savings plan therefore ensures that you do not get too nervous in bad times, but you also benefit from the good entry opportunities by investing regularly, without having to determine yourself whether the lowest point will be reached now or only in a few weeks.

Advantages and disadvantages of savings plans

Positive points outweigh negative ones when investing for the long term. In terms of advantages and disadvantages, you have to differentiate a bit whether you want to invest something from your income monthly or invest a large one-time amount. If you want to invest some of your income monthly, you can either save over several months and then make a large single purchase in possible crashes. Otherwise, one invests it directly via ComDirect savings plan.

Statistically, now is always the best time to invest, assuming that prices will rise in the long term. Many private investors often wait for a crash to buy, but miss out on all the price gains and dividends beforehand. On the one hand, they often buy much higher anyway, because hitting the absolute bottom is almost impossible, and on top of that, the mindset plays a big role in investing when prices are falling.

The ComDirect savings plan therefore not only provides psychological support, but also significantly more time, because you don't have to worry about when is the right time to make an individual purchase.

Now to the disadvantages. These are led by the choice you have in savings plans. Not every share is eligible for savings plans with the broker ComDirect, which is mostly due to the fact that the company is not large enough. However, the selection is very high and all large and medium-sized companies are eligible for savings plans at ComDirect without any problems. In addition, the offer is constantly being expanded.

As already mentioned above, a certain point in time is predetermined. Therefore, you cannot invest at any time when using a ComDirect savings plan. In addition, the whole strategy is only worthwhile if you invest for the long term.

ComDirect savings plan strategies

ComDirect ETF savings plan: Invest an ETF on broadly diversified indices and thus benefit from the general market performance. One is very broadly diversified in many countries and sectors. This is a long-term type of investor who wants to invest regularly in the capital market.

ComDirect long-term savings plan: Regularly save for a certain selection of shares over the long term. In this case, no changes are made over a longer period of time and you benefit from an average entry price.

Alternating ComDirect savings plan: You can rotate the selection monthly or quarterly if you want to invest in more companies but the savings amount is not enough. For example, you could invest in one list of stocks every even month and in the other list every odd month.

Use ComDirect savings plan as a single purchase: This point is interesting for many private investors who would like to buy individual shares, but do not have enough capital to buy, for example, a whole Amazon share (2,800€). In this case, one could set the ComDirect savings plan to 1,000€ and terminate it again after execution. So you have Amazon as a single position in your portfolio, but not overweighted, if all other positions are also about 1,000€.

Savings plan on autopilot

Automated investing. For some years now, many brokers have offered the option of setting up a savings plan on shares or ETFs. This is a regular purchase of securities at a predetermined price. The advantage of savings plans is a low or even no order fee.

Comdirect: How to create a ComDirect savings plan?

Start. As soon as you have opened a securities account, you can immediately start setting up savings plans. To do this, navigate to the personal area and find the sub-item "Securities savings plan" under the menu item "Investment".

Search for securities. First, you enter either the WKN or the ISIN to select the security. Otherwise, you can also tap on "Search for securities" to search for the stock or ETF manually.

Set parameters. Once you have selected the share or ETF, you can specify the amount on the right, which must be at least €25. On the far right is the commission. At Comdirect it is 1.5%. Tip: In this first overview, you can also directly select several securities that you want to save.

ComDirect Sparplan fertigstellen. In the next window you will be asked for the interval. Here you can select monthly, bi-monthly, quarterly, semi-annually or annually. For the purchase day you can choose between the 1st, 7th, 15th and 23rd. In addition, you can also select the first execution date, which is not possible with all brokers. Finally, you get a summary and can then press "Release".