Cash-Puffer im Stresstest: Wie viel Sicherheit rettet dein Depot wirklich?

Many financial advisors recommend a cash buffer equivalent to two to three years' worth of withdrawals for retirement. But does this really make a difference – and what rules should you follow when drawing on and replenishing this buffer during a market crash? In this video, we simulate a three-pot model using Python, consisting of cash, short-term bonds, and a broadly diversified equity ETF. We compare five strategies using real historical data: the dot-com crash of 2000 and the financial crisis of 2008. In this video, you'll learn: why sequence-of-returns risk is the biggest killer of any retirement plan how the three threshold rules A, B, and C work in the 3-pot model why an aggressive replenishment rule during V-shaped crises can mean over €200,000 more in your portfolio why an excessively large buffer can actually cost you money in normal market phases (cash drag) when the multi-pot approach extends your portfolio by 5 years – and when nothing helps anymore. ▬▬▬▬▬▬▬▬▬▬▬▬▬ Further Information & Links: ► Secure up to €100 cashback for your broker choice (This is an affiliate marketing link with cashback on incurred trading fees after account opening): https://www.lynxbroker.de/optionswelten/ ▬▬▬▬▬▬▬▬▬▬▬▬▬ Our Services: ► Individual support for your maximum potential – Coaching: https://optionswelten.com/coaching/ ► Your entry into stock, ETF & options trading – Online courses: https://optionswelten.com/online-kurs/ ▬▬▬▬▬▬▬▬▬▬▬▬▬ Your direct contact: ► Telephone & WhatsApp: +49 170 655 1601 ► Email: [email protected] ▬▬▬▬▬▬▬▬▬▬▬▬▬ Follow us virtually: ► Website: https://www.optionswelten.com ► Instagram:   / optionswelten   ► Facebook: https://www.facebook.com/people/Optio... ► LinkedIn: https://www.youtube.com/redirect?even... XRk0xOW5XVTk5Q2x3aGNyQXxBQ3Jtc0tsaGhiSGkwYm1WR09mRFRnbGwzdHpmVzhYUzlyQ3FiNWdrZndCT1BfRzNLVmpF NlV5LXdGNERqUmk0akR3QjI5aVpud19IRnV3SHA2NXptZ1kxblM1dUl5bjE0TXI2a1pQaElnVnNCVnA1ZGlUZENDMA&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fk-w-investmentl%25C3%25B6sungen-gmbh&v=U23pUvLJk9Y ▬▬▬▬▬▬▬▬▬▬▬▬▬ Optionswelten – 360° Academy for Traders and Investors: We are Anke, Andreas, and Wolfram, and with Optionswelten – our 360° Academy for traders and investors – we focus on educating participants in the financial markets. Optionswelten Following our 360° strategy, we show you how to generate regular income in the financial markets using stocks, ETFs, and options. Our 360° approach primarily involves video courses, one-on-one coaching, and our Real Case Insight, where you can observe our own options trading. This helps you understand the financial instruments used by professional traders and investors, enabling you to integrate them into your own trading and become your own wealth manager. ▬▬▬▬▬▬▬▬▬▬▬▬▬ The Coaches & Founders In this video, Anke Wilk speaks. Anke Wilk is one of the founders of K & W Investment Solutions, which offers the Options Worlds services. You can find more information about Anke here: https://optionswelten.com/team/ ▬▬▬▬▬▬▬▬▬▬▬▬▬ The Company We offer our Optionswelten services through K&W Investmentlösungen GmbH, founded in 2021. Optionswelten and the owl logo are trademarks of K&W Investmentlösungen GmbH. ▬▬▬▬▬▬▬▬▬▬▬▬▬ Disclaimer The content presented here is for general educational purposes only and does not constitute financial services, especially not trading advice or investment recommendations. The content was created by us to the best of our knowledge and belief based on publicly available sources; however, we do not guarantee its accuracy or completeness. ``` Should you make investment decisions based on this content, you do so at your own risk. We assume no liability for any losses resulting from these investment decisions. ▬▬▬▬▬▬▬▬▬▬▬▬▬ K & W Investment Solutions GmbH Schwetzinger Straße 21 67117 Limburgerhof ► Phone: +49 170 655 1601 ► Email: [email protected] ► Website: https://www.optionswelten.com