2D·

Depot Roast/ Invest decision

Hello dear community,

I recently came into €20,000, which I would now like to invest. My goal is to build up a BTC holding of 0.25 by the end of 2026. Now the question is whether I should invest the €20,000 directly and $BTC (+0,13 %) or whether I should let the target run via the normal savings plans and use the €20,000 for another investment such as $IWDA (+0,6 %) use.

A few more details:

Age: 27
Monthly savings plans: 3000€
Investment horizon: Until 2050, then early retirement
The portfolio will contain $PUM (+2,68 %) and $DX2D (+1,02 %) still sold
I am aware that there are overlaps, but this has to do with the fact that I have divided my portfolio into retirement provision and house purchase. In the respective sub-custody accounts, one is the $VWRL (+0,35 %) and once the $IWDA (+0,6 %) in it.

Thank you very much in advance!

11 Comentarios

So respect, a monthly savings rate of €3,000 is enormous. I'd like that too, but unfortunately it doesn't fit in with my net income. 🤷‍♂️

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Nick@KekZzss

I also have to say that it includes my partner's savings rate 😊

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Timo@Aktienorang-Utan

@Cato_Bamboo I can only agree. An enormously high sum. You'll probably retire sooner.

@KekZzss Despite the combined savings rate, the sum is great.

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Timo@Aktienorang-Utan

Personally, I would put the 20k on the market at 90k.

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Nick@KekZzss

@Aktienorang-Utan I have considered going in via limit buys. 5k at 100,000$, 10k at 90,000$ and 5k at 85,000$

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Timo@Aktienorang-Utan

@KekZzss also a good idea 👍🏻

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Alexander F.@Alex_DSZL95

If I were you, I wouldn't immediately put the entire 20 K into BTC. From my point of view, I would do this in the bear market that is likely to come next year, as you will then be better able to achieve your goal by the end of 2026.

Respect for your current assets and congratulations on your 3 k savings rate per month. That's awesome. I don't even earn that much

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