1Année·

"Where should I put the money I've saved? Maybe into a pot that will keep it safe. "


4k Xmas money here! What do you think is the best way to invest the money?


1. invest in the MSCI World (approx. 40% of PF currently) $IWDA (+0,75 %)

2. buy Bitcoin (23% of the current PF) $BTC (-0,33 %)

3.continue to add to Euwax Gold (~1% of PF currently) $EWG2 (+0,42 %)

3. wait and see and wait for a good entry at 1, 2, 3, (I know statistically at 1. always all in immediately is best).

4. special repayment for the mortgage (2.01% interest, 7 years remaining)


I'm looking forward to your opinions.

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13 Commentaires

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1Année
Definitely not 4. 😉
Inflation is higher than 2%, that's free money.
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@Epi Rationally speaking, you're right, of course. I would still put half in there, no debt is good debt.
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Special repayment is also not a real option. But I wanted to bring it up. And like EVERY time. Someone comes along who says no debt is good debt or for a "good feeling" I pay back good debt. If I could borrow as much as I want for 2% right now, I would do it immediately and put it in fixed-term deposits/government bonds etc. for 4-6% - money printer on :-)
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1Année
@Papiertiger But that's rational! 🤨
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@Papiertiger I understand you. 👍
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Wait, I'll send you my account number 😜
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Save 50% for 1st and 50% for a good start.
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I would not make an unscheduled repayment at 2%
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I would tend towards 1) and 3).
Somehow "determine" a ratio that suits you and get on with it.

The €4,000 is probably only a fraction of the total portfolio anyway, so it makes no difference 😅
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Utilisateur supprimé
1Année
Le commentaire a été supprimé
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@byebyebayern wadde hadde du denne smoked ? 🫣
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Utilisateur supprimé
1Année
Le commentaire a été supprimé
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@byebyebayern well 4k with ~200k deposit is 2% to be allocated. 🧐
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