Weekly plan

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This week

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Where your money is

The rule

  1. The money waiting to be invested (kept in XEON, moved to cash once a month) is spread evenly over the Fridays until the next dividend (mid-April).
  2. The further SPPW is below its highest price, the more you buy: +10% of the normal amount for every 1% it is down.
  3. On any day SPPW drops another 5%, buy an extra half week's amount. At −40%, put in everything that is left.

Your Mac's 19:00 notification uses the closing price and this page the live price, so their amounts can differ — a little on calm days, a lot in a fast fall. Buy each week through one of them only: pressing "I bought" here does not tell your Mac. Buy once a week, any day you like: while Xetra is open (10:00–18:30 Romanian time) the amount uses the live price; outside trading hours it uses the last close.

Each spring, when the dividend arrives

    If things go wrong

    1. No dividend, or less than €30,000: stop buying that year, keep the €50,000, fix the gap within 3 months (rents, then spending, then work).
    2. Bills: pay from the bank, then from the money waiting to be invested at XTB. Only if both are empty, sell SPPW for 6 months of bills. The €50,000 is the last thing you touch.
    3. Interest rates fall: if the euro interest rate (€STR) drops below 0.74%, move the XEON part of the floor to the bank.
    Your numbers (saved only in this browser)
    Why this rule

    Over 10 years, spreading the money over the year ends up slightly behind putting each lump in at once: about €11,000 behind in normal markets, about €6,000 ahead if a crash comes early, about €60,000 behind if there is no crash for 10 years. That is the price of buying calmly. In the tests the €50,000 was not spent while SPPW was still held; if the dividends stop for good, money can still run out, which is why the income-stop rule exists.

    How far these numbers go: 5,000 simulated futures built from 1999–2022 weekly prices, in today's euros (euro-area inflation). They were run for a close relative of this rule: the waiting money held in a money-market fund (as you do now), the fall measured from the highest weekly close since the start (not the all-time high), and no extra buys between Fridays. The exact rule on this page has not been simulated as a whole; expect costs of the same size.