Weekly plan

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This week

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Your SPPW

The rule

The money waiting to go into SPPW is spread evenly over the Fridays until the next dividend (mid-April).
The further SPPW is below its highest price, the more you buy: +10% of the normal amount for every 1% it is down.
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 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 enter the income when it arrives).
A crash: the rule buys more by itself — +10% per 1% fall, an extra half week at every new −5%, everything left at −40%. 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, € SPPW units held Income-stop: stop buying if the year's income is below, € (blank = off) Dividend received this spring, € (blank = not yet) …received for which year Override highest close, € (blank = automatic)

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.