About to inherit a lump sum of 300k

by akoloy


Long story quick, I’m about to inherit a lump sum of 300k Euros, and I’ve some questions on investing it. And sure, I’ve learn the Wiki, a couple of books and all of the blogs posts – however I nonetheless would respect some new concepts/feedback.

Background:

  • I dwell with my companion in Berlin, we’re each 30 years outdated
  • I’m an Engineer, making 90k/yr, and have round 50k in financial savings (I’ve began to speculate just lately and have already got 20k within the well-known A1JX52)
  • Every month I’m capable of save one thing in between of 1200 and 1500 euros
  • My companion makes round 40k/yr with 10k in financial savings, we’re not married so this isn’t very related.
  • No debt
  • We are about to begin a household and just lately moved into a pleasant 100m2 flat during which we’re paying 1450 euros. This is related as a result of the Real Estate questions will present up finally. Moving once more quickly is out of query.

The very first thing I’m certain I need to do is put one other 40k in A1JX52 to exhaust the German tax advantages from it (57k is the quantity I believe). The second is to bolster my emergency fund (perhaps find yourself with 30k in it). Put a minimal of 100k within the accumulating model of A1JX52 appears to be one thing I’m certain I need to do too.

I do not plan on shopping for a home quickly, we like to hire, and I do not plan to put money into actual property both. I’m an enormous fan of Lazy and small portfolios.

According to my age and threat I’d be comfortable with a portfolio of 80/20 and even 90/10, between shares and bonds. I maintain studying and studying about bonds and I do not discover a particular reply, ought to I purchase bonds proper now? What’s the perfect bond ETF (Vanguard Global Aggregate Bd ETF USD Hedged Acc and iShares Global Aggregate Bd ETF EUR Hedged Acc appear to be nice candidates)? Saving accounts in Europe are fairly dangerous too, ought to I simply maintain the cash in money?

What about particular person shares? I do know that is usually NOT really useful, however how dangerous of an concept could be to speculate perhaps 25k in particular person shares (Mastercard, Visa, Walmart are some examples I had in thoughts)?

Some Portfolios I’m contemplating:

Portfolio 1 (perhaps a bit aggressive and dangerous given the excessive publicity to the inventory market):

  • Emergency Fund: 30k (perhaps an excessive amount of?!)
  • A1JX52 60k
  • A2PKXG 200k
  • Individual Stocks: 25k
  • Remaining 35k some place else? Cash?

Portfolio 2 (~22% in Bonds):

  • Emergency Fund: 30k (perhaps an excessive amount of?!)
  • A1JX52 60k
  • A2PKXG 180k
  • Bonds: 80k (which ETF?!)
  • What do you suppose?

What do you suppose?

But what’s your purpose? – you could ask. Long time period investing is the purpose. Achieving FIRE is one thing I’d think about however I must save a much bigger share of my wage, I’m fairly snug with the quantity I save now.

Thanks everybody



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