I know most here are US-based, but I thought I'd give this a shot.

I've been running a pretty straightforward ETF portfolio through Ergo in Germany for a while now. Here's my current breakdown:

• 25% in iShares MSCI EM IMI ESG Screen UCITS ETF
• 25% in iShares MSCI Europe ESG Enhanced UCITS ETF
• 50% in iShares MSCI World SRI UCITS ETF EUR

I've recently freed up an extra €500 monthly that I'm looking to invest and am wondering if it would make sense to just bump up my monthly contribution from €1,000 to €1,500 while keeping the same allocation percentages, or should I consider doing something different with this extra cash?

For context, I've got my emergency fund covered (one year's expenses) and no debt to worry about.

I look forward to hearing your thoughts.

Hi everyone.

I'm in a more or less of a dilemma here.
For the ones that don't know, SCHUFA is monopolistic credit agency in Germany.

The good news is that my wife is pregnant and now we need to move to a new apartment with one extra room. Luckly, a friend of us is also moving and we simply got in contact with his landlord. We sent the information about our salaries and answered a few general questions and all is well for him. But, the landlord also wants our SCHUFA score.

We weren't worried at all because we don't have any credit cards or any loans and we are very frugal with our money. We really only spend money for our basic necessities and doing our holidays. We don't have any debts; we pay everything in a timely manner.

Then, my SCHUFA-BonitätAuskunft arrived. I look at the first page, which is in this diploma-like format and it says: "We had only positive contractual information at our disposal." (Es liegen uns zum XX.XX.XXXX ausschliesslich positive vertragsinformationen vor.)

"Great!", I thought. Then, I turned to the next pages and I see "Explanatory informations for your certificate" and there it says that I'm a high risk person. Basically, my result is 335, right in the middle (scale from 100 to 600).

We have a high netto salary and it seems this doesn't count for anything. My guess is that they don't have almost no history about me (I'm only living in Germany for 4 years) and since we are not big spenders, basically we are high risk because they don't have data to infer the risk. A few months ago I opened a new bank account on Commerzbank and I guess my SCHUFA score was good enough to open a new bank account, so I don't understand.

How is it possible that in my certificate diploma-like paper says that they have only have positive information about me and then on the explanatory pages say that I'm a high risk person in basically every sector (Banken, Telekommunikation, etc)?

Now we also asked the SCHUFA score only for my wife and let's hope for the best.