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Doesn't matter. None of the investments will change anything in the long term. So head out and in or consumption :)
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@byebyebayern wadde hadde du denne smoked ? 🫣
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Well, all the amounts invested will be so high that 4k will only make a difference in the per mille range. So it makes less and less sense to rack your brains.
So my solution would be to invest in 1. and 2. depending on the planned asset allocation.
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@byebyebayern well 4k with ~200k deposit is 2% to be allocated. 🧐