This. Among other answers and remarks and questions. With all due respect. People here who answer have a responsibility of what op will be doing while OP is clearly not at the required level.
@rexleonis Do your own research, experience, simulation or go the simplest way. We are not talking a Migros-like discount by just switching shops here…
I’d also estimate the money lost by misusage and misunderstanding of using a platform if you want to be real.
First lesson about investment is knowing what you are doing, and while you can learn it here, asking people to think for you is very risky.
Don’t forget the tax credit only applies totally if your finances fit. ( Tax refund via DA-1 denied )
Having said that, I think I said everything (at least twice).