I’m saving about 1000.- CHF every month. Now at my broker (Strateo) fees are grouped, which means e.g. I pay 15.- up to 2000.- volume and then 25.- up to 20’000.-.
My portfolio consists of two ETFs which means if I invested monthly (which I did up until now) I never came close to the limit where I’d have to pay more for the higher fee-group. So essentially I’d pay more in fees in comparison to how much I invested.
Now my strategy is to save up what I’d otherwise invest and then quarterly invest the whole sum, while rebalancing between the two ETFs. Does this sound like a smarter approach or am I leaving some gains/losses on the table by not investing each month?
Whats your investment-schedule / rebalancing strategy?