Justin (@zjusl) na getquin

2D·

Hello dear community!

I would like to ask you for some advice. 🙏🏻

(First of all, I am very happy to have found this platform and would like to thank you for all the added value from so many active people here).

Briefly about me:

I am now 25 years old and a complete beginner.

A year ago I didn't even know what a share was, let alone anything about the financial market, economic events etc etc....

After a year of "being a sponge", i.e. soaking up knowledge about all sorts of things at any free time in order to gain a foothold here, I have definitely discovered a passion.

Further on in the text...

Having a lot of cash is a horror for most people, according to the comments under some portfolio ideas... 😂

I've been hesitating to put my cash into the market for weeks because I always thought "hey, a stronger correction should be coming slowly" ...😂🤦🏼‍♂️

(As you have noticed many missed opportunities)

Speaking in numbers:

I currently have €130,000 invested
Cash around €500,000
Monthly income approx. 80,000€+- currently

As I have only just started and am very careful with the money I have earned myself, I would now like some advice.

Clear goal: long-term, buy and hold

I have a wife and 2 year old daughter ... so I would hate to mess things up for our future and accordingly I didn't want to take any big risks with lots of individual stocks (no experience in analysis etc) ... I also now have exactly €50,000 of the €130,000 in $VWRL (+0,4%) .

The rest is in stocks like Visa, Microsoft, McDonalds, LVMH, ASML. I will simply hold these stubbornly for many years.

In the first few months of my year now, I played the "back and forth empties my pockets" game with smaller amounts and paid a lesson...😂

But long story short...Now I keep wondering how many of you would act in my situation and specific numbers with the current world events, economy, data, etc....

Just blow it all up in VWRL and open the app again in 5-10 years? 😂

Wait for a strong correction?

Cash in 10-20k a month in tranches?

Half of the cash in and half for the possible correction?

Would you rather buy a property? In Germany?

Gold? Crypto? ...

Allocate well or specifically overweight something?

I don't expect detailed explanations on specific areas or anything else in response to my unqualified post, but appreciate any comments and appreciate everything!

But to conclude kommen⤵️

What would YOU do in my situation?

If there are a lot of answers, I could use them to form the advice I'm hoping for.

Thank you very much for reading and for any answers.

I'm not particularly good at being brief, sorry...😭

62 Comentários

Moritz@leveragegrinding

So if your monthly income remains the same, ask a family office directly, lol
Joking aside, look for an advisor.
You will very quickly find yourself in an area where you can (and should) diversify much more than just on the capital market.

Real estate, commodities, ETFs, money market investments, bonds (high risk stuff like crypto is actually mega unnecessary with an annual sum of 1 million, but you can of course do as you like).

So for your current cash, maybe something like 60% world ETF allocation, 20% stocks, 10% bonds and 10% crypto is ok, but from 250k and more you should at least think about real estate and at least with tax advice. So I would only postpone the topic now if you want to do everything yourself with these sums.

Checking against is always good, but why stress if you already earn the money.
(I'm not talking about a bank advisor!)

https://www.youtube.com/watch?v=PyA3IpbVz_s

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Lorena@Lorena

My advice would be: With so much cash and monthly income, don't get advice on a social media platform, but consult a fee-based advisor.

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Krush82@Krush82

Just get advice from @Testo-Investor. Don't worry, these are perfect conditions for making real cash.

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Charmin@Charmin

First of all, don't rush it, you're young, nothing will run away.

At your age, I would bet heavily on growth stocks or EFTs in this direction. You can easily ride out even major setbacks and crashes, no problem. Don't forget: Time in the market beats timing the market. So it's good if you want to stay in "stupidly" for a long time.

What I would *not* do: Gamble with crypto or meme stocks. If you can't leave it at all, then a maximum of 5-10 percent and only in BTC.

I assume the 80k is gross, income from your own company? Then - and I think you probably know this yourself - you "only" own 67k of that (VAT), so that leaves around 30k net after tax/trade tax, CT etc.?

I don't know your lifestyle, but you have to invest *at least* 20K per month.

Keep 20 percent cash.

A few more tips:

1. don't buy expensive cars
2. don't buy an apartment for your own use
3. don't buy any luxury nonsense

Instead:

1. spend a lot of time with children
2. don't work yourself to death
3. stay good

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Jonny karamello@Jjkn

80k monthly income I what am I doing wrong 😂

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Pezi@Pezi

with this amount, clearly invest in tranches...

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Testo-Investor@Testo-Investor

Just get in touch with me for motivational coaching! Mindset of the killer you own afterwards!

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JM@jm_finance

Wow !!! If you don't mind me asking: What industry do you work in? Your monthly income is incredibly high.....Top !!! :-)

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Testo-Investor@Testo-Investor

Attention, many people here are of course very conservative and especially at your age I would invest massively in crypto with the sums of money you are allowed to take a little more risk at 25 and crypto has not been a high risk asset for a long time, especially not if you have been working intensively and for a long time.

I regularly advise people with assets of up to €500,000.

Of course, €80,000 income per month is brutal - you can do great things with it.

A broad base is of course very good in this case, but especially considering your age, I wouldn't be satisfied with a normal 7% maite and therefore I would also set the crypto share very high.

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Rmann@Epi

Getquin is the wrong place to invest such amounts. Here, 10kpM is the maximum. Poor people collection stop.

My suggestion: Call Gerd Kommer and ask him for advice, he knows all about such incomes and investment sums. 👍

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