How would you invest 20.000€?

[AlexAP]

You're right. You gotta put you're eggs in a lot of different baskets though. And you gotta accept that you're gonna lose some money here and there. There's tons of poor peoole throughout the world who've never lost a dime, but every person who's wealthy has lost substantial amounts of money at certrain points.

Municipal bonds might be good for novice investors. Get a few of them. Why not?

Because returns on stable stocks are probably much better.​

I agree with @copeistani here. Stable stocks and ETF are a better choice than municipal bonds.

I wouldn't buy into large-cap stocks and ETFs, might as well keep that money in cash since the profits would be so little I wouldn't even care.

But the only alternatives seem to be shitcoin gambling or other sorts of gambling. And the profits with safe stocks and ETF are big in the long run.

I'd buy some land, and a cheap car, would save the rest.

I don't want to own land at this point of my life, and a house is way too expensive where I live, so no property rn.

 

[AlexAP]

Do you still have a day job? Start a business in something that you're passionate about on the side. Make your hard work worth more.

I definitely want to start a business someday. I have things I'm very passionate about, I dreamed of my own start-up in my early 20s. But I think it will be better to do it later in life, maybe when I'm 40 yo.

Rn, I'm focused on many different things, and a business takes a lot of time. I think that for most men (including me), the best age for a start-up is when you are older and not in your 20s or even 30s, because you will have more experience, more money to put in, probably more patience, and you already did other things that are important in your life, so that you don't have to think about them (traveling the world, finding a wife, having kids).

It would be awesome if I someday manage to build a successful start-up in some futuristic field. If not, I will try to to at least have a job in one of this specific areas and moneymax.

 

[Pietrosiek]

I have no idea mate but maybe real estate? Maybe, put somr money out or ur pocket, get real estate for credit and rent it? Idk mate

 

[AlexAP]

I have no idea mate but maybe real estate? Maybe, put somr money out or ur pocket, get real estate for credit and rent it? Idk mate

I live in Germany, the housing market is insane here, not only because it is so expensive to buy property, but also because of the bureaucracy. I don't want to invest in real estate here. If I ever do, it will be later in another country.

 

[Deleted member 13264]

I definitely want to start a business someday. I have things I'm very passionate about, I dreamed of my own start-up in my early 20s. But I think it will be better to do it later in life, maybe when I'm 40 yo.

Rn, I'm focused on many different things, and a business takes a lot of time. I think that for most men (including me), the best age for a start-up is when you are older and not in your 20s or even 30s, because you will have more experience, more money to put in, probably more patience, and you already did other things that are important in your life, so that you don't have to think about them (traveling the world, finding a wife, having kids).

It would be awesome if I someday manage to build a successful start-up in some futuristic field. If not, I will try to to at least have a job in one of this specific areas and moneymax.​

I think failing and learning early is better but aye, you do you.

edit: you live in Germany oof. Take advantage of the fact that you can probably legally use a bank overseas for personal payments - I think. You can move and not get taxes on out of country income. I’m in the US so they’re really persistent on that. Land of the free haha. I’m leaving when they overturn the 2nd amendment. No one else has that.​

 

[workiskey]

at least 10% on btc/eth, rest for decent wardrobe (not ape expensive low taste brands, just nice fit basics), rest is for decent quality food and a gym membership.

Also would invest again essential skincare products and shampoos without sulfates, + black castor oil / peppermint oil for hairs/eyebrows/eyelashes.

Also would rebuy Omega3 + Magnesium + Vitamine D, sunscreen cream as well.

An other very good investment I recommend is the reading light, reading is by far the best way to ascend in theory knowledge.

 

[eduardkoopman]

gme moon

->

 

[Deleted member 3990]

I would invest in @Dr Shekelberg because that would bring you x3 return within only a few days

 

[Deleted member 8699]

Go to binance and do x125 margin trading. Make it a million

Don't listen to this faggot unless you are really experienced with risk trading. 80% of "investors" lose money with futures/derivatives/margin/CFDs.

 

[EverythingMattersCel]

Don't listen to this faggot unless you are really experienced with risk trading. 80% of "investors" lose money with futures/derivatives/margin/CFDs.

In crypto, it's a lot more than 80% losing money on derivatives. For starters, the volatility in crypto is going to make it way riskier than using leverage in traditional markets. Secondly, most crypto exchanges aren't even regulated properly... 99% wash trading, exchanges literally front-running retail fish and lots of dodgy shenanigans with the order books.

Amazing to see copers thinking they can use TA astrology or fundamentals to find a mythical edge. It's copius-maximus. Best bet is to hold BTC and ETH, maybe chuck a few pennies into some shitcoins. The ship has mostly sailed though... most people have missed the epic gains from the 2015 - 2017 bull when crypto was still in its nascency and normies weren't involved.

 

[Deleted member 8699]

In crypto, it's a lot more than 80% losing money on derivatives. For starters, the volatility in crypto is going to make it way riskier than using leverage in traditional markets. Secondly, most crypto exchanges aren't even regulated properly... 99% wash trading, exchanges literally front-running retail fish and lots of dodgy shenanigans with the order books.

Amazing to see copers thinking they can use TA astrology or fundamentals to find a mythical edge. It's copius-maximus. Best bet is to hold BTC and ETH, maybe chuck a few pennies into some shitcoins. The ship has mostly sailed though... most people have missed the epic gains from the 2015 - 2017 bull when crypto was still in its nascency and normies weren't involved.

The last part is especially true for BTC and ETH in particular. Maybe I'm wrong about ETH, but BTC being worth millions seems utter dellusion (it doesn't do anything apart from being the first coin jfl). You can still make asinine gains with shitcoin gambling. And there are altcoins with real use cases that are incredibly underpriced (eg NuCypher, GRT, MINDS and even ADA might be a good investment).
But yeah this market is not mature enough to be accurately predicted with TA/FA. Also the bull run is entering its late stages.

 

[AlexAP]

Don't listen to this faggot unless you are really experienced with risk trading. 80% of "investors" lose money with futures/derivatives/margin/CFDs.

In crypto, it's a lot more than 80% losing money on derivatives.

True. This extreme margin trading with cryptos is a dumb decision in 99% of cases.

I think failing and learning early is better but aye, you do you.

edit: you live in Germany oof. Take advantage of the fact that you can probably legally use a bank overseas for personal payments - I think. You can move and not get taxes on out of country income. I’m in the US so they’re really persistent on that. Land of the free haha. I’m leaving when they overturn the 2nd amendment. No one else has that.​

Yes, I can use a bank overseas and I want to use this advantage.

 

[joeveniro]

LITERALLY what i sad happened- if you put your 20k by risk ( it would be stupid but lets hypothetically say you did ) you had doubled yor money by now.

nex opportunity is to buy if it reaches the white or blue mark ( preference for white mark ), then pay close attention every hour and close the trade when it hits 5~~10%

 

[AlexAP]

View attachment 1062752 LITERALLY what i sad happened- if you put your 20k by risk ( it would be stupid but lets hypothetically say you did ) you had doubled yor money by now.

View attachment 1062759
nex opportunity is to buy if it reaches the white or blue mark ( preference for white mark ), then pay close attention every hour and close the trade when it hits 5~~10%

Honestly, I will sell the BTC I have rn when it goes below 50.000 (except if it does reach new highs, than I will sell at a later point). I will make good money with it. Better then gambling, and I can still gamble a little bit later.

I won't have FOMO with crypto, as I did make money with it and it was too risky to try to make more.

 

[Deleted member 11414]

i'd buy a little bit of weed and some candy with the left over money

 

[joeveniro]

View attachment 1062752 LITERALLY what i sad happened- if you put your 20k by risk ( it would be stupid but lets hypothetically say you did ) you had doubled yor money by now.

View attachment 1062759
nex opportunity is to buy if it reaches the white or blue mark ( preference for white mark ), then pay close attention every hour and close the trade when it hits 5~~10%

literally waht i said XD LITERALLY, wish i had 20k euro to spend on position

 

[AlexAP]

View attachment 1064749 literally waht i said XD LITERALLY, wish i had 20k euro to spend on position

Yeah you would have done a good job ... but why don't you have 20k if you are so good at predicting the market?

 

[joeveniro]

Yeah you would have done a good job ... but why don't you have 20k if you are so good at predicting the market?

you wont understand cause you come from the fucking europe, try living on a third world country where everything you try to buy is a third of your sallary

 

[Alibaba69]

Imagine you have 20.000€. What would be the best way to invest it?

Would you say that this is a good strategy: Put a quarter on safe stocks (Amazon), another quarter on safe ETF (MSCI World), another quarter on cryptos and another quarter on possible tenbagger-stocks and ETF (have to research).

What do you think of this?

a lot of mine is in corporate bonds and treasury notes. Palantir is on sale rn and MSSMX

 

[AlexAP]

you wont understand cause you come from the fucking europe, try living on a third world country where everything you try to buy is a third of your sallary

Where are you from? And can you not still make a decent amount of money with Bitcoin?

 

[joeveniro]

Where are you from? And can you not still make a decent amount of money with Bitcoin?

brazil; but im making my money anyway today i made 200R$ a decent amount for me. on a near future i will be able to invest more i guess
all from scalping, tho i understand the market to a long/mid time as i showed i prefer to be a retarded piece of shit who goes into scalping

 

[AlexAP]

a lot of mine is in corporate bonds and treasury notes. Palantir is on sale rn and MSSMX

Yeah, treasury notes are the safest, but the ROI is not that good and you support governments which I don't like either.

 

[Deleted member 2012]

JFL

Stocks are for boomers. Crypto or death in 2021

 

[AlexAP]

brazil; but im making my money anyway today i made 200R$ a decent amount for me. on a near future i will be able to invest more i guess
all from scalping, tho i understand the market to a long/mid time as i showed i prefer to be a retarded piece of shit who goes into scalping

Nice. I live in Germany since I was 7 years old, but I was born in Bolivia (in the Eastern part, nothing with the Incas), Spanish is my mother tongue, I'm half German and half Mestizo.

Unfortunately, Bolivia sucks very hard at football, but I cope with Germany and 7-1.

 

[Alibaba69]

Yeah, treasury notes are the safest, but the ROI is not that good and you support governments which I don't like either.

Have about 50% invested and the other 50% in treasury notes and corporate bonds because the return is still higher than cash.

 

[AlexAP]

Stocks are for boomers. Crypto or death in 2021

Probably said by a lot of people before they lost 5k and went back to stocks.

 

[Deleted member 39]

Probably said by a lot of people before they lost 5k and went back to stocks.

If one doesn't panic sell and is willing to Hodl for a decade then there's no way to not make gains

 

[Deleted member 12484]

mining probably the best moneymax right now ngl tbh

 

[Deleted]

Imagine you have 20.000€. What would be the best way to invest it?

Would you say that this is a good strategy: Put a quarter on safe stocks (Amazon), another quarter on safe ETF (MSCI World), another quarter on cryptos and another quarter on possible tenbagger-stocks and ETF (have to research).

What do you think of this?

Would invest it all in my hairline

 

[AlexAP]

If one doesn't panic sell and is willing to Hodl for a decade then there's no way to not make gains

Yes, but the extreme gains mentioned in this thread can only be made through daytrading, not HODLing. And most people will fail with daytrading.

 

[AlexAP]

mining probably the best moneymax right now ngl tbh

Could you elab? How much money you need to get in and how much gains can you make realistically?

 

[Deleted member 2012]

Probably said by a lot of people before they lost 5k and went back to stocks.

I have been 8k negative

But I HODLED and now here I am with 10K plus profits

We’re in a bull market now that will go on for many months. Nothing will sink to nothingness. It’s all growing if you just have patience

 

[AlexAP]

I have been 8k negative

But I HODLED and now here I am with 10K plus profits

We’re in a bull market now that will go on for many months. Nothing will sink to nothingness. It’s all growing if you just have patience

Mirin your gains.

When do you think the bull market will end? I'm waiting to sell the BTC that I have when the rally is over, I will make a lot of money with it.

 

[Deleted member 2012]

Mirin your gains.

When do you think the bull market will end? I'm waiting to sell the BTC that I have when the rally is over, I will make a lot of money with it.

I think it will be in 2022. But maybe in the end of this year at the earliest

 

[kej3094]

Imagine you have 20.000€. What would be the best way to invest it?

Would you say that this is a good strategy: Put a quarter on safe stocks (Amazon), another quarter on safe ETF (MSCI World), another quarter on cryptos and another quarter on possible tenbagger-stocks and ETF (have to research).

What do you think of this?

I know people don’t like to have other people do this but give to a financial advisor and have them invest. What I’m doing

 

[Deleted member 12165]

Imagine you have 20.000€. What would be the best way to invest it?

Would you say that this is a good strategy: Put a quarter on safe stocks (Amazon), another quarter on safe ETF (MSCI World), another quarter on cryptos and another quarter on possible tenbagger-stocks and ETF (have to research).

What do you think of this?

surgerys

 

[AlexAP]

I know people don’t like to have other people do this but give to a financial advisor and have them invest. What I’m doing

I actually know many friends who are money making machines. They have started an online-business or made money with crypto, they live as digital nomads and can travel wherever they want and visit luxury hotels. I guess I could ask them for advice on how to invest, but they are just high IQ people.

But who knows, maybe they know a very safe plan, like an once-in-a-lifetime opportunity, and I could multiply my money very fast. If that doesn't work, I have no problem going the way with stocks and ETF.

 

[Deleted member 5189]

Hi xabi alonso

 

[neithernorwood]

1. https://www.bogleheads.org/ <= 50% of your money
2. https://www.reddit.com/r/cardano/ <= 50% of your money

NOT real estate:

Why Rental Properties Aren't Good Investments | Wealthfront

Considering investing in a rental property? Before you take the plunge, consider the four reasons you’re unlikely to come out ahead.

blog.wealthfront.com

 

[AlexAP]

1. https://www.bogleheads.org/ <= 50% of your money

Is there any specific advice on this site or just people discussing different possibilities?

2. https://www.reddit.com/r/cardano/ <= 50% of your money

Putting a lot of money on one altcoin with extreme volatility seems absurd. I also heard about Cardano a few years ago, they said it would explode soon but it didn't, now it seems to be carried by the bullish market, but is it really a good long-term prospect?

NOT real estate:

Why Rental Properties Aren't Good Investments | Wealthfront

Considering investing in a rental property? Before you take the plunge, consider the four reasons you’re unlikely to come out ahead.

blog.wealthfront.com

Agreed.

 

[nocoiner]

I'd put it all in Terra $LUNA, stake it on Terra Station, and forget about it while improving other areas of my life.

Then I'd come back in 4 years and unstake my coins which would likely be worth millions.

 

[Chinacurry]

Imagine you have 20.000€. What would be the best way to invest it?

Would you say that this is a good strategy: Put a quarter on safe stocks (Amazon), another quarter on safe ETF (MSCI World), another quarter on cryptos and another quarter on possible tenbagger-stocks and ETF (have to research).

What do you think of this?

This is pretty good and low risk, not too sure about calling Amazon a safe stock, I might have said (and I'm old) put 15% of it into high yield defensives at a low price (tobacco, alcohol, energy/oil, porn) the remaining 10% into slightly more cyclical stuff like FAANG (these are for me still due a correction )

 

[karbo]

Go to binance and do x125 margin trading. Make it a million

until you lose it and suddenly have 7 figures of debt on a site where you are verified with ID

 

[AlexAP]

I'd put it all in Terra $LUNA, stake it on Terra Station, and forget about it while improving other areas of my life.

Then I'd come back in 4 years and unstake my coins which would likely be worth millions.

Never heard of that coin. What do you know about it?

I certainly won't put much in there, but maybe I use a few bucks to gamble with some altcoins.

 

[AlexAP]

This is pretty good and low risk, not too sure about calling Amazon a safe stock, I might have said (and I'm old) put 15% of it into high yield defensives at a low price (tobacco, alcohol, energy/oil, porn) the remaining 10% into slightly more cyclical stuff like FAANG (these are for me still due a correction )

Thanks for your input.

Why you're not sure about Amazon being a safe stock? I think it's the safest stock out there right now.

 

[neithernorwood]

Is there any specific advice on this site or just people discussing different possibilities?

This is their standard:

Three-fund portfolio - Bogleheads

www.bogleheads.org

It is best asset allocation for wealth preservation. It is good to learn the techniques and discipline now so when you are rich it feels more natural to be disciplined about asset allocation, you have all the accounts set up etc.

They also have get tax optimization advice but that only helps at the margins not gonna make u rich.

For wealth building, you may want to be more aggressive. You need to place strategic bets. imo this should include crypto

Putting a lot of money on one altcoin with extreme volatility seems absurd.

Cardano is promising for a few reasons:

1. by far the most rigor and high-quality organization in crypto. look at these people https://iohk.io/team/
2. most github commits of any crypto project (including ETH and BTC)
3. most active subreddit of any crypto project
4. market cap ~ one order of magnitude less than ETH => lots of upside
5. 5% staking rewards recurring annually
6. founder charles h was eth cofounder and is great narrator / clearly in it for the long haul / glory / told-you-so rights

i am not a crypto fanboy by any means but i followed the 5% asset allocation to crypto last year made some money on the bull run looked around to figure out how to reallocate. realized if blockchain is gonna be a thing cardano is gonna be the blockchain.

hope that helps

 

[AlexAP]

This is their standard:

Three-fund portfolio - Bogleheads

www.bogleheads.org

It is best asset allocation for wealth preservation. It is good to learn the techniques and discipline now so when you are rich it feels more natural to be disciplined about asset allocation, you have all the accounts set up etc.

They also have get tax optimization advice but that only helps at the margins not gonna make u rich.

Thanks for the input. I will look at these techniques when I build my portfolio.

Cardano is promising for a few reasons:

1. by far the most rigor and high-quality organization in crypto. look at these people https://iohk.io/team/
2. most github commits of any crypto project (including ETH and BTC)
3. most active subreddit of any crypto project
4. market cap ~ one order of magnitude less than ETH => lots of upside
5. 5% staking rewards recurring annually
6. founder charles h was eth cofounder and is great narrator / clearly in it for the long haul / glory / told-you-so rights

i am not a crypto fanboy by any means but i followed the 5% asset allocation to crypto last year made some money on the bull run looked around to figure out how to reallocate. realized if blockchain is gonna be a thing cardano is gonna be the blockchain.

hope that helps

I'm not really convinced. It's really hard to predict anything with crypto. And till now, most of the gains have been because of gambling, there wasn't really any breakthrough in usability. If that happens, I would be more inclined to put money in there.

 

[Selfahate]

Skin whitening and height maxxing

 

[AlexAP]

Skin whitening and height maxxing

As a 6 ft tall, white guy, I don't need that.

 

[AlexAP]

Damn, I know I shouldn't gamble, but it's frustrating to see this: A friend of mine gave the tip of investing in this coin a year ago, and it went up 3000% since that.

So sad that I could be nearly set for life rn if I would have taken a risk and invested half of what I have. But well, shitcoins are still shitcoins, so you can never know.