Investment decision
Reading time approx. 1-2min.
Hello everyone. I'm facing an investment decision that is "bigger" by my standards (bank clerk trainee).
As I already posted a few days ago, I have opened or set up a new savings plan which I am saving €250 per month.
For those who may not yet be familiar with my savings plan, here are the details again:
Individual shares:
$GOOGL (+0,2 %) - 25€
$AMZN (+0,77 %) - 25€
$CMG (+4,56 %) - 25€
$META (-0,01 %) - 25€
$MSFT (+0,99 %) - 25€
$NVDA (-2,08 %) - 25€
ETFs:
$IWDA (+1,09 %) - 50€
$EXUS (+1 %) - 50€
I know that many, if not almost all, individual shares are already included in the $IWDA (+1,09 %) are already included. Nevertheless, the intention is to invest in the respective shares.
Now I am faced with 2 decisions:
On the one hand: I have €1000 of surplus money in my checking account and want to invest it. Now the question is in what? and how much? Does it make more sense to put it all in ETFs or only part in ETFs and part in individual shares? Or all of it in individual shares and then some?
The second thing: when should I invest?
There's a lot going on in the world at the moment.
The fact that around 90% of my savings are in US equities makes me rather worried about investing in the US market at the moment. At least until the Iran-Israel conflict has been resolved.
If this war escalates, I see a certain danger in the US economy which could cause inflation.
Then there are the presidential elections etc.
I would be happy to hear criticism or corrections to my statements. It is possible that I am completely wrong.
In any case, thank you in advance for your help 🫡💸