8H·

How to invest 50k?

Hello everyone,

I was asked by my parents how they should invest around 50k that has so far just been sitting in their bank account. Both are rather risk-averse, which is why I first thought of an All World ETF $VWRL (+0.58%) . They still have about 15 years until they retire and want to make provisions. Are there any suggestions or similar cases here where someone can speak from experience? I was also thinking of a split like 70% $VWRL (+0.58%) 15% $ALV (+0.36%) 15% $DTE (-1.34%) thought. Or just put everything consistently in the All World?

I am grateful for any help. :)

25 Comments

MrSchnitzel@MrSchnitzel

70% All World, 20% Bitcoin, 10% gold as a suggestion ✌️

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Ernie3486@Ernie3486

@MrSchnitzel since both are rather conservative to invest, I think bitcoin is out ;)

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MrSchnitzel@MrSchnitzel

@Ernie3486
You still have 15 years until you retire, by which time Bitcoin will very probably be performing well.
You can also reduce it to 10%.
Otherwise, just finish everything in the All World.

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Ernie3486@Ernie3486

@MrSchnitzel I share your view. But the volatility is definitely higher than with the All World. And since I don't want to be the one to blame afterwards, I'd rather advise against it :)

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Chris@Multibagger

I would give you my IBAN and make it 1 million in 10 years. Anything more than that I get, if it's less you explain it to your parents. 😉😎😂 But they'll also be happy with TE 500. It's also ok for conservative investors 😎😎😎
Joking aside, if they are conservative, my approach is at best suitable for them to make use of their right to premature death during the 10 years because of the vola and disinherit you.😉 So it's better to listen to those who know about conservative investing.
But under no circumstances would I invest 100% in an ETF. At least add gold and, above all, silver.

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Epi@Epi

@MrSchnitzel Risk-averse, my good man!

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dividend_hunter_2229@dividend_hunter_2229

@MrSchnitzel but not all at once . Because market high 😁

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Silas@Bein-Godik

Stop investing in individual shares if your relationship with your parents is important to you. If they want low risk, go for something like Arero $HVJD. You can at least argue that it was invested for financial reasons with maximum diversity without crypto. Furthermore, there is no need for rebalancing

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futurewallstreet@futurewallstreet

How did you come up with Allianz and Telekom?

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Ernie3486@Ernie3486

@futurewallstreet strong defensive stocks. In my opinion, Telekom is currently undervalued. And stable dividend yield. Buy signals everywhere from the valuation houses. Allianz also reliable.

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BeachPlease@BeachPlease

@Ernie3486 That's exactly how it is

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Epi@Epi

Risk averse? What does that mean for your parents? That the house is in trouble if the AllWorldETF has another -30% or -60% drawdown.
Pay attention to the risk of the overall portfolio!

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Ernie3486@Ernie3486

@Epi no this means that investments in stocks such as Rheinmetall or other stocks should be avoided :)

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Nom@user28461

Pack 100% in $IWDA and leave it there, save it later when you want to use it.

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Ph1l1pp@Ph1l1pp

S&P500, no need to overcomplicate things.

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Ernie3486@Ernie3486

@Ph1l1pp the orange 🍊- man is going more and more crazy every day and is doing market manipulation through the bank. I don't think I would put 100% weighting on the USA at the moment. Therefore All World think the better solution :)

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MrSchnitzel@MrSchnitzel

@Ernie3486 Warren Buffet: "Never bet against America."

In the long term, the USA and its companies, which incidentally do business all over the world, bring the best returns...

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Fabian F.@Fabianfeuer

70 world
20 Europa
10 USA

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Mark@le_Wurst

@Fabianfeuer 100% shares for someone who wants to invest conservatively?
Not exactly conservative

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Fabian F.@Fabianfeuer

@le_Wurst then 70 world 15 bonds 15 gold

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Vincent@VincP3

$BYND

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Ernie3486@Ernie3486

@VincP3 Prime example of investments that do not fall under risk aversion ;)

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CrashBurner@Psychedelic_Sunflower

Risk aversion and All World as the only investment are actually mutually exclusive. The individual shares only make things worse due to the cluster risk. A large proportion of bonds and gold should be included to cushion the sometimes heavy drawdowns of the All World.

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Lucas Spreitzer@lucasinvestments

$VWCE anstatt $VWRL

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Laura@lookingforpassive_income

all in V60A and no sleepless nights

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