1Semana·

50k€ where to put it?

Dear community, I currently have 50k in cash and am thinking out loud about what to do with it. In the long term, everything should be invested. Basically, I am a conservative investor with a preference for dividend stocks.

I want to use about 10k€ for risky investments. If it goes well, I'm happy, if it goes wrong, I keep my hands off it.

There are currently no shares that seem really attractive to me

That's why I'm thinking about it:

Option 1:

Cash is king and I'll wait for the next correction to strike then

In the meantime, I could park my money with TradeRepublic at 2% interest.

Option 2:

$VWCE (-0,34%) and 10%-20% gold

I am looking forward to your opinion and am open to ideas, suggestions and feedback...alternatives are also welcome

6 Comentários

Marco@MarSido

1Semana

$TDIV perhaps also an option?!
Very stable even in turbulent times, good performance, nice dividend

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Andi@Andiiiii

1Semana

@MarSido As I live in Austria, this ETF is unfortunately out of the question for me because of the withholding tax in the Netherlands. Otherwise, this ETF would be my ETF of choice

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stock_whiz_2766@stock_whiz_2766

1Semana

Hi, I'm no expert but if you're looking for risk, dividend stocks are the wrong choice. Personally, I prefer a few promising individual stocks, either trend stocks after a setback or undervalued stocks. But make sure you do your research beforehand and don't choose at random.

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Andi@Andiiiii

1Semana

@stock_whiz_2766 I want to speculate with €10k. The rest goes into the "boring" portfolio.

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Leonard@Osiriz

1Semana

Nobody knows when a crash will happen. It could go on like this for another 1 or 2 years. Time in the market beats market timing. Then it's better to put half of it in $VWCE and the other half in an overnight deposit. If there is a crash (which you have to recognize, of course) you can enter a 2x leveraged World ETF in tranches at -10%, -20%, -30%. When the situation has calmed down and nobody is talking about a crash anymore, you can convert the leveraged ETF into a simple ETF. This way you don't lose any money by waiting and you benefit quite well from the recovery and also have cash on the sidelines. The gamble would be: can you get all the tranches in or will the crash recover too quickly? And are you making enough money with the leveraged profit minus taxes when you switch that you are positive, as opposed to simply buying and holding? If all this is too much stress for you, then just buy the normal ETF and forget about the money until you need it.

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Andi@Andiiiii

1Semana

@Osiriz Thank you for your inspiring thoughts.

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