Dear getquin community,

I've been quietly reading along here for some time now and have really taken a lot from many of the posts. I am now facing a major decision myself and am really hoping for your opinions and experiences.

Briefly about me and my situation: I am in my mid-20s and have been investing privately for around ten years. Up to now, I have mainly bought individual shares or commodity ETCs when the right opportunities arose and held them for the long term. During my studies, investing was rather irregular, but this was perfectly sufficient for my goals at the time.

For some years now, I have been running a small company in the e-commerce sector together with a colleague. In the meantime, profits have accumulated there, most of which are currently sitting unused in accounts and losing value due to inflation. This is exactly what I want to change now.

My aim is to invest this capital sensibly in order to maintain purchasing power and, in the best case, achieve a solid return. To start with, we would like to invest around 200,000 euros.

My thoughts on the allocation so far are as follows:

• 30% in $XMME (-1.3%) (Emerging Markets ETF)
• 30% in $XDWD (-0.41%) (MSCI World)
• 20% in $XAD6 (-3.56%) (Physical Silver ETC)
• 20% in $XAD1 (-5.56%) (Physical Gold ETC)

As I have no experience with larger one-off investments within short periods of time, I would be very pleased to receive your feedback. I am particularly interested in the following points:

• What do you think of the basic allocation?
• Would you rather invest everything at once or take a staggered approach?
• Do you think a proportion of gold or silver makes sense at the current price level?

I would be grateful for any advice, criticism or suggestions for improvement. Thank you very much in advance for your time and input.

Love Grüße✌🏻