1Mon·

9 years of investment, your opinion please 🤔

Hello everyone,

I am now planning the final home payment spurt (does that word even exist?)

We have a monthly amount of 300,- over because a loan is expiring. This amount is to be used later (9 years) to pay off the loan. The 300,- should of course not be accumulated in the pillowcase.

The question for me now is whether I should put the whole amount into a money market ETF or an All World via a savings plan. As it is virtually earmarked, it should be invested with as little risk as possible.

What would you recommend?

I think so.

Greetings

8 Comments

batic420@batic420

1Mon

Moin,

I would recommend an all-world ETF, something along the lines of $IWDA - you can do little wrong in the long term and have a broadly diversified investment without having to worry too much.

Of course, it can always happen that a bit of capital disappears as soon as the market corrects (as is currently the case), but there is a long-term upward trend - so don't panic 😅

What did you have in mind in the All-World direction? Classically really around the globe or also in the direction of indices or sectors (S&P500, NASDAQ, etc.) or also emerging markets? 😎

- $IWDA
- $CSPX
- $VWCE
- $XMME
- ...

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Uwe@SchlaubiSchlumpf

1Mon

You could consider investing roughly half in an all world and half in short-dated bonds (with rebalancing). Then you might not get so nervous if things do get tricky.

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Marcel@di_marcello

1Mon

If the household can all agree on some risk, an world ETF is the choice.
Otherwise a money market is a perfectly fine option.

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