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Ernie3486
@Ernie3486
3Semana·

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 (-0,88 %) . 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 (-0,88 %) 15% $ALV (-1,66 %) 15% $DTE (-0,49 %) thought. Or just put everything consistently in the All World?


I am grateful for any help. :)

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36 Comentarios
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MrSchnitzel@MrSchnitzel
3Semana
70% All World, 20% Bitcoin, 10% gold as a suggestion ✌️
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Ernie3486@Ernie3486
3Semana
@MrSchnitzel since both are rather conservative to invest, I think bitcoin is out ;)
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MrSchnitzel@MrSchnitzel
3Semana
@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
3Semana
@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
3Semana
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
3Semana
@MrSchnitzel Risk-averse, my good man!
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dividend_hunter_2229@dividend_hunter_2229
3Semana
@MrSchnitzel but not all at once . Because market high 😁
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Peryan@Mocca1
3Semana
@Multibagger and which gold stocks would you recommend?
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Chris@Multibagger
3Semana
@Mocca1 I haven't even mentioned equities because of the strictly defensive orientation. But I can tell you which ones I have in my portfolio.
$PPTA However, I bought the first tranche at €3.50. And kept adding to it, so I'm now at €7.60 total buy in.
Otherwise I have fresh $WRN, because they also have a large copper project, $USGO and the $GDXJ in the savings plan.
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Peryan@Mocca1
3Semana
@Multibagger thanks 😎
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Silas@Bein-Godik
3Semana
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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CrashBurner@Psychedelic_Sunflower
3Semana
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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futurewallstreet@futurewallstreet
3Semana
How did you come up with Allianz and Telekom?
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Ernie3486@Ernie3486
3Semana
@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
3Semana
@Ernie3486 That's exactly how it is
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Fabian F.@Fabianfeuer
3Semana
70 world
20 Europa
10 USA
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Mark@le_Wurst
3Semana
@Fabianfeuer 100% shares for someone who wants to invest conservatively?
Not exactly conservative
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Fabian F.@Fabianfeuer
3Semana
@le_Wurst then 70 world 15 bonds 15 gold
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Epi@Epi
3Semana
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
3Semana
@Epi no this means that investments in stocks such as Rheinmetall or other stocks should be avoided :)
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juliana@juliana-investment
3Semana
you are scaring me, I find your statement regarding the drawdown of minus 30 to minus 60 for the Allworld exaggerated. What is your statement based on? when did the world etf fall to minus 60? or are you joking?
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Epi@Epi
3Semana
@juliana-investment Nope, no fun. In 2008-09 the drawdown was -50% for the S&P500, -55% for the MSCIWorld and -60% for the Allworld.
In the 70s there was only the S&P500, but it was similar, several times. In 1929-33, of course, it was even worse, around -80% drawdown. Some say that after 100 years it's time for a reset.

Know your investments!
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Chris@Multibagger
3Semana
@Epi So that means I only have 6 years instead of 10 for my challenge? 🤔😂 That's bad, but I'll try until 2029!
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Epi@Epi
3Semana
@Multibagger Don't get cocky, my dear! The fact that it feels like all your TechSmallCaps are shooting so high right now is the sign of a late bull market. The good old housewives' rally.

The fact that some people see a crash in 2029 just because the number 100 is nice doesn't mean you should bet on it. The crash could come much earlier. At the latest when the FED has to raise interest rates amid falling prices...
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Chris@Multibagger
3Semana
@Epi You should know by now that not everything I write is meant seriously, but contains a big wink.
So don't worry. I believe in the ground. I already have blue chips in my portfolio. A few, but still.
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Chris@Multibagger
3Semana
@Epi The Fed will not raise interest rates. When the new Fed chief by Trump's grace arrives next year, interest rates will only go down. If necessary by yield curve control. But that is a pipe dream. So be on your guard and keep going as long as you can.
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Laura@lookingforpassive_income
3Semana
all in V60A and no sleepless nights
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Walter S.@Roots
3Semana
show your parents what options there are - including risks, opportunities, advantages and disadvantages...
they have to decide for themselves... after all, your parents have also decided that 50k is lying around in a giro and it doesn't bother them...
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Nom@user28461
3Semana
Pack 100% in $IWDA and leave it there, save it later when you want to use it.
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Ph1l1pp@Ph1l1pp
3Semana
S&P500, no need to overcomplicate things.
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Ernie3486@Ernie3486
3Semana
@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
3Semana
@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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Vincent@VincP3
3Semana
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Ernie3486@Ernie3486
3Semana
@VincP3 Prime example of investments that do not fall under risk aversion ;)
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Lucas Spreitzer@lucasinvestments
3Semana
$VWCE anstatt $VWRL
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Echsenkönig A.@Bezehgombjuderstimme
3Semana
Difficult number. I would make sure that they both take a month and do an hour's research every day. If they are risk-averse and retire with 100% equity exposure, things can go wrong. If Donny then starts global tariff wars in his 4th term of office when they retire, you are the bogeyman who advised them to do so. Personally I would keep it simple and go 70/30 but they should know exactly what the risks and potential drawdowns are. If they don't necessarily need the money, you can go for a high equity exposure at retirement and sit it out in case things go south.
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