2D·

Inspiration/help wanted!

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 (-1.03%) (Emerging Markets ETF)
30% in $XDWD (-0.33%) (MSCI World)
20% in $XAD6 (-0.78%) (Physical Silver ETC)
20% in $XAD1 (-4.24%) (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✌🏻

6 Comments

Darkwingduck@Darkwingduck

Hello, to start with I would like to keep it as simple as possible, $VWRL accumulating or distributing according to preference:) EM are already well weighted and will be increased in case of strength:) I would recommend gold $EWG2, don't put everything into gold at once but rather a savings plan.

•

Show answer

Tenbagger2024@Tenbagger2024

In my opinion, silver is already a flagpole, nobody can know how long it will continue to go up. But such a distance from the 200-day line rather calls for a correction. Can't you continue to expand with the company? And let the cash run into capex? Or invest with customers? You can't go wrong with a good ETF strategy. Have you looked at the @Epi model? Maybe invest part of it. Keep us up to date in a post, I'm curious to see how you proceed.

•

Claudius@Cloud7

@Tenbagger2024 Funds have also been earmarked for reinvestment in the company; the funds to be invested are mainly undistributed profits. :) I'll take a look at that model, thank you! I'm right there with you on silver. I still see great potential there in the long term, but currently expect a correction. (I have therefore already considered selling 2-30% of my private silver investments in order to secure short-term profits)

••

Tenbagger2024@Tenbagger2024

@Cloud7 still see potential in copper, which is already being stolen from the cemetery 🙈. And demand will continue to rise due to defense, robotics, e-mobility and the expansion of the energy supply. But then you can rather go into the mines or processors such as Aurubis $NDA. But I would rather go for security for the company's assets and something less labor-intensive. With ETFs, you can also build something yourself in the form of 3 to 4 ETFs. But take a look at the @Epi model.

•

Claudius@Cloud7

@Tenbagger2024 I also find copper very exciting. That's why I bought Norilsk Nickel a few years ago, but a month later the Ukraine war soured this investment for me. 😅 I'll be taking a closer look at this model over the next few days and will then provide updates on exactly how I'm doing. Thanks for the tips!

•