Each year my investment plan consists of the same 3 buckets:
- ETFs (Degiro account)
- 3rd pillar (VIAC)
- Employee stock purchase plan (30% discount)
In essence this boils down to a mix of monthly (e.g., Degiro account) and lump-sum (e.g., employee stock purchase plan) “payments” throughout the year, a situation I assume is not altogether different from most other forum members’ investment plans.
The most simple investment schedule would likely be to make equal monthly payments into my Degiro and VIAC accounts, and to save an equal portion each month for the employee stock purchase plan knowing that the actual “payment” won’t be due until September.
Although simple, I realise this isn’t necessarily the most sensible investment schedule. For example, saving an equal portion each month for the employee stock purchase plan due in September results in a large amount of money idling in my account for a majority of the year. Alternatively, perhaps I’m better off increasing the payments into my Degiro and VIAC accounts at the start of the year (e.g., Jan-Jun), stopping those payments during the months of Jul-Sep to save exclusively for my large lump-sum payment, and then resuming in the months of Oct-Dec.
My question is: what investment schedule do you use? Do you personally make 12 equal payments into your 3rd pillar, or simply pay it off as soon as you can while temporarily neglecting your other investment “buckets”? When you know that you have a large, one-time investment in Q4, do you already start setting aside money in January or simply stop making investments in your other “buckets” a few months beforehand?