At the beginning of October, I sold two of my ETFs, the $VWRL (-0,34%) and the $EQQQ (-0,34%) .

I was convinced that we would see at least a short-term but significant correction in October.

And since I was planning to transfer these ETFs from Trade Republic to Flatex anyway, I thought: Sell now, pick up cheaper later 🤪

Since then, of course, the market has rallied. Fortunately, I still have the $HMWO (-0,31%) and $VUSA (-0,31%) and my shares.

My original plan was to sell, wait out the crash and then get back in. Due to the broker's fee model and position size, I would have bought back the NASDAQ in one transaction as a savings plan, the savings plan is still active on October 23 and I could have bought back the All World flexibly in large tranches as there are no order fees at all.

At the moment, however, it looks as if the plan won't work out 🥲

The total amount is €20,000. I transferred € 9999 of this to my account without any problems (no proof, no delay, approx. 24 hours) and € 7500 of this to Flatex for the QQQ on the 23rd .

The rest is still with Trade Republic and is even earning a little interest there. I hope I don't have to wait until November to get the rest of the money out of Trade Republic without any problems...

Now I see the following options:

1) Put everything into All World right away.

I can buy the NASDAQ later with fresh capital if there is another setback.

2) Pay off the last financing.

I have around €10,000 outstanding, with a monthly installment of €238.

Apart from that, I am debt-free.

The interest rate is around 6-7%, plus hidden costs such as account management fees and endowment insurance.

So it would be worth considering closing the loan completely, but that would leave very little capital for ETFs.

3) Stick to the original plan

Uptober isn't over yet 🥲

4) All in $NVDA (-0,36%) 🤣

5) Gradually in with a savings plan.

6) Or will the seasonal setbacks only occur from January/spring 2026?

Which options do you think make sense? What are your thoughts?