Weekly plan

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This week

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Your SPPW

SPPW, last 6 months

This week's buy, by how far SPPW is below its highest

Money waiting, until the dividend

The rule

The money waiting to go into SPPW (what is left at XTB after both parts of the €50,000 floor are whole — see "Your numbers") is spread evenly over the order weeks until the next dividend week (mid-April).
The further SPPW is below its highest price, the more you buy: +25% of the normal amount for every 1% it is down, up to 5× the normal amount (reached at −16%).
No all-in when SPPW falls. The "planned normal week" is your yearly amount ÷ the cycle's order weeks (52 or 53). No buy is ever bigger than 5× the planned normal week. If more money is waiting than planned (a late dividend, a yearly amount set too low), a calm week buys up to 2× the planned week (a fall still uses the planned week × the fall multiplier, so 5× is still reached only at −16%) — except in the last 8 weeks before the dividend, when it is always the planned week × the fall multiplier. Each buy keeps money back (a quarter of the planned normal week for every week still left) so there is a buy every week until the dividend; it never buys less than this week's normal amount unless that limit is lower. The last week before the dividend week buys what is left, up to the limit. Money that arrives early is not protected: in the last 8 weeks a fall still buys up to 5× the planned week every week (up to ≈ €63,000 over 8 weeks), and more than 8 weeks early it counts as money above the plan — so move next year's dividend to XTB, and type it here, only in its own week. No extra buys between weeks.
The fall is measured at the lowest price since the start of last week — last week's closes, this week's closes and the live price — against the highest close ever. Each new close normally only pushes the week's amount up; while Xetra is open the live price counts too. A close more than 8% below the days on both sides is treated as a bad price and ignored once the next close is in (the latest close always counts; if a real one-day drop rebounds, ignoring it makes that week's order a little smaller). Buy on Monday, right after reading the amount: that is the day that was tested. Later in the week is allowed (a buy every week matters more), but Tuesday–Friday orders were not tested, and deciding Monday but buying Tuesday did not reliably keep the edge (decision 0008). (The test used Monday's closing price both to decide and to buy — an idealised check, not proof that Monday is best.)

Your Mac's 19:00 notification and this page use the same rule (the lowest price since the start of last week). On Tuesday–Thursday your Mac shows a preview of next week, while this page keeps showing this week's amount until Friday's close. Buy each week through one of them only: pressing "I bought" here does not tell your Mac. Record each buy with "I bought it" so the weekly spread keeps track. Move the dividend to XTB, and type it here, only from its own week (the week of the April dividend Friday) on: money typed in early can be bought before its cycle in a fall (in the last 8 weeks up to 5× the planned week each week). If money waiting is far above plan and no dividend is saved for the cycle, the page stops until you confirm the amount.

Each year: how much can I spend?

What is left of a year's income after a year of spending goes into SPPW, spread weekly from the April dividend, growing at the chosen return above inflation. Moving these never changes this week's order above. A smooth average, not a forecast.

Spending per month Income per year (after tax) Return above inflation Goal SPPW you have now + money waiting to go into SPPW, €

Into SPPW per year (income − spending)

Goal reached

After 10 years

Grey = money you put in. Blue = growth on top (compounding). Dashed = goal. Inflation 2% a year (euro area), fund cost 0.12%; new money starts with the next April dividend and grows with inflation.

If things go wrong

No yearly income, or less than your income-stop amount: stop buying SPPW that year (set the amount once under "Your numbers", and save each dividend for its year when it arrives).
A crash: the rule buys more by itself — +25% per 1% fall, up to 5× a normal week from −16%, every week until the dividend, with no all-in. Never sell SPPW because it fell.

This page only covers SPPW. Your safety money (what is never invested, bills, the interest-rate check) is handled by the daily 19:00 notification on your Mac (uv run stocks plan).

Your numbers (saved only in this browser)

Money waiting to go into SPPW, € — XTB cash + the XEON you hold, minus €40,000 (the floor's XEON part), minus whatever the bank is short of its €10,000 floor part — while the €STR rule keeps the whole floor in the bank: XTB cash + XEON minus whatever the bank is short of €50,000. The same as the free money in stocks plan; only when the bank floor is whole is it simply XTB cash + XEON − €40,000 Money into SPPW per year, € — the yearly dividend after a year of spending (and any cap you set). It sets the planned normal week and the biggest possible week; changing it changes them at once. SPPW units held Income-stop: stop buying if the year's income is below, € (blank = €30,000) Dividend received (net, as it arrived), € …for which year

Override highest close, € (blank = automatic)

Why this rule

Tested on 10-year periods of the MSCI World, the S&P 500 and the DAX, after XTB costs and tax, in today's euros: about 0.1–1.0% more after 10 years than the previous rule (roughly €1,000–13,000; about even on the German DAX), and about 0.5–2.8% less than putting each dividend in at once (roughly €5,000–46,000) — the price of buying calmly. In every historical test there was a buy every week, and the biggest week was 5× a normal week; the previous rule could put the whole dividend in at once and then buy nothing for up to a year. It is not ahead every time: in the worst start tested (the DAX from October 2002) it ended 5% behind the previous rule.

How far these numbers go: daily prices of the MSCI World index (1985–2026, without dividends), an accumulating MSCI World ETF (2009–2026), the S&P 500 and the DAX, plus 4,000 simulated futures; the money waiting held in a money-market fund. Checked after the main study, not a forecast; a second reviewer reproduced every number.