I had already asked this question a year ago, but now I have to make a final decision. Due to a private circumstance, I have now received a higher amount of cash. My basic idea is to invest my ETF Core (consisting of $WEBN (-1,4%) and $TDIV (-0,1%) each with a large one-off purchase. Because I think the market is currently overvalued due to AI, I'm torn as to whether I should invest everything immediately, wait and see or increase the savings plan.

Do you think there will be a significant setback in the near future or do you think this assumption is unrealistic?

Hello everyone,

After a long time as a silent reader, I would like to share my first post today - with a question that is currently on my mind.

My children benefited early on from an inheritance. I invested the capital I received in a long-term, broadly diversified portfolio:

• 65 % in $WEBN (-1,4%) - as a low-cost basic investment
• 20 % in $WTCH (-1,44%) - as a growth-oriented addition.
• 15 % in the $XEON (-0,01%) - originally intended as a liquidity reserve. It seemed sensible to me, although I would never have been able to say what this liquidity was being held for...

As my children won't need the money in the money market ETF for the next few years, I'm now thinking about reallocating this proportion. At the moment I'm flirting with a gold ETC - e.g. $4GLD (-1,72%) or $EWG2 (-1,63%) .

My reasoning: Gold has become much more expensive recently, which makes me wonder: Is now even a good time to get in? Or would a staggered purchase over several months (keyword: DCA) make more sense in order to reduce the risk of a short-term price decline?

My questions to you:

How sensible is gold as a long-term addition (investment horizon: initially 10-15 years) in a child's portfolio?

Would you completely reallocate the money market portion now - or would you rather invest in a staggered manner (DCA)?

I look forward to your opinions! Thank you already for your input - and it's great to be actively involved now!

Best regards

Joo

$WEBN (-1,4%) What is the best way to supplement the Amundi to achieve stability and returns?

Due to one circumstance, I will have an amount to invest in the foreseeable future that is just as large as my current portfolio.

In this position, would you add to your current ETFs with individual purchases and keep the current amount in the savings plan the same or increase the savings plan?

(Currently saved core of the portfolio for information only, no advice required)

50% All Country $WEBN (-1,4%)

50% Distributing $TDIV (-0,1%)

As announced, the second reduction in the proportion of Bitcoin in my portfolio at EUR 100,000. Bitcoin now accounts for just over 60% of my portfolio. I would like to take this as an opportunity to share my Bitcoin story with you.

I bought Bitcoin for the first time back in 2017, but also sold it again at the time. I never held it, but actively bought and sold it. Even back then, I was toying with the idea of investing in Bitcoin, but my father kept talking me out of it because he thought it was nonsense. After witnessing one all-time high after another, I eventually decided to do my own thing and go all-in in Bitcoin.

It was also the only asset I was interested in at the time. I didn't care about shares, ETFs, gold, etc. So I went all-inand of course in 2021, at the absolute all-time high. I caught purchase prices of 40,000, 50,000 or 60,000 euros. Once all my money was invested, Bitcoin naturally went downhill.

A small insertion: All my money at the time was around 20,000 euros, out of the original 100,000 euros that my father gave me for my 18th birthday (I'm now 25). Where the remaining 80,000 euros went is a topic for another post.

Spoiler: they were not invested.

During this time, I sold a bit - according to the motto "buy high, sell low" - but thankfully I also bought more, so that I took losses, but was able to buy cheaper bitcoins for more or less the same money (with my own money).

I now have a solid plus and will sell another 10,000 euros worth of Bitcoin at a price of 120,000 euros. This will give me back my original all-in from 2021, namely €20,000, and I will simply hold the "profit", which is then around 0.2 Bitcoin, for the long term. I also have a savings plan of €2 per day.

I will only make the next sale (after the sale at €120,000) if my Bitcoin position has become so large that I could live well from the "safe return" on the capital market, then I will probably liquidate the position completely. But that is still in the stars.

The money from my first sale went into the $XEON (-0,01%). It will be parked there until I can buy employee shares next spring. $DG (-2,19%) next spring. The second tranche will be invested in $JEGP (+0,47%) and $WEBN (-1,4%) invested.

Thanks for reading, I look forward to answering comments and questions.

To anticipate one question: I know it's a bit contradictory to sell and have a savings plan running at the same time. However, I would like to get my 20,000 euros from back then back in dry cloths, but at the same time expand my position in the long term with the money I have earned myself. I hope this is understandable.

LG Ape