Starting an ETF Savings Plan With €100: How I Did It and What Comes OutStarting an ETF Savings Plan With €100: How I Did It and What Comes Out
€100 a month into an ETF savings plan — is it really worth it? I show you the numbers, which ETF I use, and why Trade Republic is my broker.€100 a month into an ETF savings plan — is it really worth it? I show you the numbers, which ETF I use, and why Trade Republic is my broker.
*Affiliate-Link: Ich erhalte eine kleine Provision, für dich entstehen keine Mehrkosten. *Affiliate link: I earn a small commission, at no extra cost to you.
I waited a long time. Too complicated, too risky, too unfamiliar — those were my excuses.
Then I started. With €100 a month. Since then, it just runs.
Why ETFs and not single stocks
Single stocks are bets. ETFs are broad diversification.
An MSCI World ETF holds over 1,500 companies from 23 countries. If one company falls, the rest carries on. That’s why the MSCI World has returned roughly 7% per year over the long run — through crises, through crashes.
I don’t want to be a trader. I want my money to work while I sleep.
The numbers — honestly
At €100 a month and 7% return (the historical MSCI World average):
| Duration | Paid in | End value (approx.) |
|---|---|---|
| 10 years | €12,000 | ~€17,000 |
| 20 years | €24,000 | ~€52,000 |
| 30 years | €36,000 | ~€122,000 |
Compound interest makes the difference. The earlier you start, the less you have to pay in.
Important: these are historical figures. No guarantee. Markets can fall.
Which ETF and which broker
My ETF: iShares Core MSCI World (ISIN: IE00B4L5Y983). Ongoing cost: 0.20% per year. Global diversification, cheap, proven.
My broker: Trade Republic. Savings plan free. No custody fee. And the cash balance earns around 2% per year on the side.
→ Open a Trade Republic account (my referral link)
What I’d tell you
Start small. €25, €50, €100 — it doesn’t matter much. What matters is the start.
I should have started earlier. That’s my most honest piece of advice.
— Daniel
Disclosure: The Trade Republic link is a referral link. I earn a small commission, at no extra cost to you. I use Trade Republic myself.
Financial note: This is not investment advice. Past performance does not guarantee the future. Do your own research and, when in doubt, talk to an advisor.
Zinseszins-Rechner Compound interest calculator
Endwert (ca.)End value (approx.)
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Modellrechnung mit konstanter Rendite und monatlichem Zinseszins. Keine Garantie, keine Anlageberatung — echte Märkte schwanken. Model calculation with a constant return and monthly compounding. No guarantee, not investment advice — real markets fluctuate.
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