Hello dear community,

I recently came into €20,000, which I would now like to invest. My goal is to build up a BTC holding of 0.25 by the end of 2026. Now the question is whether I should invest the €20,000 directly and $BTC (-0,34%) or whether I should let the target run via the normal savings plans and use the €20,000 for another investment such as $IWDA (-0,25%) use.

A few more details:

• Age: 27
• Monthly savings plans: 3000€
• Investment horizon: Until 2050, then early retirement
• The portfolio will contain $PUM (+1,54%) and $DX2D (-0,83%) still sold
• I am aware that there are overlaps, but this has to do with the fact that I have divided my portfolio into retirement provision and house purchase. In the respective sub-custody accounts, one is the $VWRL (-0,2%) and once the $IWDA (-0,25%) in it.

Thank you very much in advance!

Hello everyone,

I am 25 years old and am saving for my retirement - so my investment horizon is still very long. Because of my age, I'm prepared to take a higher risk.

My portfolio currently consists of:

$VWCE (-0,22%)

$BTC (-0,34%)

$EWG2 (+0,03%)

I am now considering whether it would make sense to $DX2D (-0,83%) be included. I am particularly interested:

What opportunities and risks do you see with $DX2D (-0,83%)

Assuming a risk-averse strategy, how would you structure the percentage allocation of my portfolio?

Other suggestions or food for thought are also welcome.

I am currently saving all €50 per month. I'm not sure about the allocation and would be grateful for any food for thought. I am definitely willing to take risks; I have experience with volatility as I have been involved with Bitcoin for some time. Unfortunately, I always sold everything back then because I didn't have a plan or strategy. I am aware of the swap risk and the dependency. I'm currently watching a lot of videos from Finanztipp and Finanzfluss.

I am grateful for any comments, food for thought and your opinion.

Thank you very much in advance and have a nice evening 🫶

Meal time,

What do you think of the following depot allocation?

4 ETFs:

70% Allword $ACWI

10% Private Equity $DX2D (-0,83%)

10% AI and Big Data $XAIX (+0,43%)

10% India $QDV5 (-1,17%)

Until then🫡

Deposit transfer