Hello everyone,

After a long time as a silent reader, I would like to share my first post today - with a question that is currently on my mind.

My children benefited early on from an inheritance. I invested the capital I received in a long-term, broadly diversified portfolio:

• 65 % in $WEBN (-0.02%) - as a low-cost basic investment
• 20 % in $WTCH (+1.07%) - as a growth-oriented addition.
• 15 % in the $XEON (+0%) - originally intended as a liquidity reserve. It seemed sensible to me, although I would never have been able to say what this liquidity was being held for...

As my children won't need the money in the money market ETF for the next few years, I'm now thinking about reallocating this proportion. At the moment I'm flirting with a gold ETC - e.g. $4GLD (-0.6%) or $EWG2 (-0.47%) .

My reasoning: Gold has become much more expensive recently, which makes me wonder: Is now even a good time to get in? Or would a staggered purchase over several months (keyword: DCA) make more sense in order to reduce the risk of a short-term price decline?

My questions to you:

How sensible is gold as a long-term addition (investment horizon: initially 10-15 years) in a child's portfolio?

Would you completely reallocate the money market portion now - or would you rather invest in a staggered manner (DCA)?

I look forward to your opinions! Thank you already for your input - and it's great to be actively involved now!

Best regards

Joo