I have a few thousand on the side and would like to invest it in the $VWRL (+0,04%) invest them. The investment horizon is 30 years. What strategy would you use?

• Put it all in at once
• Divide the sum evenly and invest with a savings plan
• Now a larger part afterwards savings plan
• Now a part afterwards savings plan and also buy on dips

Thank you for your answers.

Greetings Lord Vader!

After small crypto investments, I would now like to start adding ETFs (more accumulating) to my portfolio.

I'm just not sure which ones exactly. Maybe some of the community have some tips.

I have heard particularly often from $CSPX (+0,23%) , $IWDA (+0,15%) , $EXSA (-0,15%) and $VWRL (+0,04%) and

What is your opinion/advice?

#crypto
#etfs
#stockanalysis
#dividends

Hello! In addition to my $VWRL (+0,04%) my individual shares ($ALV (+0,05%) , $BRK.B (+0,32%) ) and my $WGLD (+0,29%) savings plan, I would now also $BTC (-0,67%) in my portfolio. - Hence the question: Where is the cheapest way to buy BTC? I've read that some people advise against TR due to the costs and the fact that you can't transfer them to a wallet? What would you recommend for buying and storing?

Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (+0,04%) alternative an ACWI

or

b) 50% $VUSA (+0,22%) or MSCI USA

35-40% $WEXU (+0,18%) ( MSCI World ex USA)

10-15% $VFEM (-0,51%) or $EIMI (-0,5%)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (+0,17%) or $WEXU (+0,18%) but this is only available on an accumulating basis

50% $JEPQ (+0,67%)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

@Therapeut because we recently had the topic of fund currency and currency risks, I have taken the $VWRL (+0,04%) and how it has developed in USD, EUR, CHF and GBP.

It's easy to see how US and Swiss investors are being fisted by their strong currencies, while euro investors and Brits with their meme currencies can't stop laughing.

And because it was so nice, the whole thing again for the S&P500

But you also have to bear in mind that if the USD appreciates, you can book additional currency gains, which is good if you have already invested a lot, but if you are still in the savings phase, this also means that US companies will become increasingly expensive for you. So it's a double-edged horse. 😘

As there were still two World ETFs in my portfolio, I have tidied up a bit.

Tomorrow the savings plans will be executed and of course everything will shoot up again today 🫠

In this case, would you suspend the savings plans or just let them continue unperturbed?

$8001 (-1,72%)
$NU (-0,04%)
$VWRL (+0,04%)
$UBER (+0,37%)

Have a nice evening

...increased my ETF a little instead. Maybe it was the better option after all... 🤔🫣