2Wk·

What to do with €700 a month

$VWRL (+1.16%) or would you rather use overnight money to hit a dip? What would you do?

Over the next few months I will receive the above-mentioned extra on top of the regular savings rate, which currently goes almost 100% into the All-World. To be honest, I am also considering putting some into the $VUSA (+0.74%) to boost the return a little. Alternatively $BTC (+0.42%) conceivable...

6 Comments

GHF@GHF

2Wk

Time in market beats timing the market.

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Femke@femkelbn

2Wk

With Bitcoin, you would add another asset class to your portfolio and be even more diversified, so I would opt for $BTC in your case. ☺️ But definitely invest and don't try to wait for any dips. 🤭 It never hurts to have a little cash reserve to try out some market timing, but I wouldn't save €700 a month in the call money account for that, that would be too much "unnecessary" money lying around.

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opportunity_seeker_138@opportunity_seeker_138

2Wk

@femkelbn Your securities account could also be a good example. Do you have a rule as to when the switch from VWRL to VWCE takes place?

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Femke@femkelbn

2Wk

@opportunity_seeker_138 No, I'll just do it by feel at some point in the next few weeks. I don't have a "strategy".

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