Hello everyone,

I'm about to receive a gift, and I'd like to park the money for the time being because I might want to use it as equity for property in the next 3-4 years. If that doesn't happen, ownership will no longer be an issue after that. I have considered parking the money in a euro money market ETF without USD currency risk. I now had the $ERNX (+0,03 %)

on the screen.

Do you have any experience with money market ETFs of this size? Yield vs. overnight money, stability, liquidity in times of stress?

I look forward to your opinions and recommendations!

My path to financial freedom. My investment horizon is around 15 years.

• Monthly savings rate 2600 Euro
• 1000 Euro ETF savings plan
• 1150 Euro individual shares
• 400 Euro BTC savings plan + 20000 Euro cash still invested to reach 20 % of the portfolio
• 50 Euro P2P Go&Grow

Target weighting

30 % ETF $SP20 (+2 %)

30 % shares

$AMD (-0,53 %)
$ASML (+4,62 %)
$SHOP (-4,36 %)
$NOW (-1,96 %)
$NU (-2,82 %)
$META (+2,33 %)
$FTNT (+3,55 %)
$ANET (+0,59 %)
$NFLX (+0,43 %)
$APP (-6,6 %)
$CRWD (+3,52 %)

20% Bitcoin $BTC (-1,35 %)

10% gold $EWG2 (-0,5 %)

5% P2P Bondora Go&Grow

5% Cash cushion $ERNX (+0,03 %)

the strategy is always individually adapted.

Today I dug deep into my savings box and put €10,000 aside. Not for vacations, not for the car - but for additional purchases.

Since I joined the company in April, shares such as $NVDA (+3,12 %) and $AVGO (+0,18 %) have already performed strongly - in some cases up over 70 %. Brilliant, but that's exactly why I'm not touching them at the moment. Buying at all-time highs? Not my style.

Nobody is currently expecting a major stock market earthquake, but anyone who knows history knows that September has often been the month of panic selling - and of the best entries.

The €10,000 is currently parked in the iShares € Ultrashort Bond ETF (ISIN: IE000RHY0R04) - delivers a return of around 3.3% p.a., is available daily and currently yields more than any overnight money.

Spoiler: slight bragging rights.

After a few months of investing (I started as a beginner just before the Trump chaos, when the market was still overvalued), I reached my first milestone: over €10,000 invested.

Since the beginning, I have changed my strategy. I now take a long-term approach with a 70:30 split between ETFs and individual stocks. Within the ETFs, I hold 7% of my portfolio in $ERNX (+0,03 %) for more stability. The percentage split is not quite optimal yet, but I will probably rebalance towards the end of the year.

As I mentioned in an earlier post, I prefer $FWRG (+0,85 %) over Vanguard because of the lower TER.

I'm the first person in my family who not only has enough money to invest, but has also become financially literate and uses the stock market at all. I'm quite proud of that.

If I continue to invest €1,000-1,500 every month (sometimes more), I could reach €20,000 by the end of the year. There are still a few larger expenses to come, but they shouldn't affect the amount set aside for investments too much.

If necessary, you are welcome to roast me.