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Cake day: July 22nd, 2026

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  • Try to define what your goals are. Is it short term gains? You’ll need to be much more involved (and I have zero tips for that). For medium to long term savings, dumping in a well spread ETF is a really solid idea. It has risks, sure. But there are no riskless instruments. Even a normal savings account is only secured up to a specific sum (100k€ most often) and your bank could go bust.

    I recently pivoted from MSCI world to a all world imi etf, so instead of ~70% us stocks I “only” have 60% in my etf. If you leave your money in for more than 15 years, you will sit out crashes like 2008, corona, and so on and make a profit. Don’t buy any with more than 0.2% fees. Yes, of half the worlds economy crashes for good my etf money will be gone. But, what value would even cash have in such a scenario? I’d rekon the world will be gone full mad max if it ever came to that.