Investing 90k

[Nilas]

Hi, this seems like a weird place to ask my question, since I get the impression that most people here don’t even have a job, but I’m going to do it anyway

First off: I don’t want to debate whether there’s an AI bubble—I don’t doubt it. Even a blind person with a cane can see that.  

I want to invest 90k € (around 100k $) this year. This money is meant for my retirement, so I certainly won’t need it for the next 30 years.

I’m planning to invest in two broadly diversified global ETFs. The problem, though, is that even these ETFs are about 40% tech. And if the bubble bursts, other industries will be dragged down with it. 
My question is: Would you invest the money in a low-risk manner for another 1–2 years, hoping to buy stocks on the dip afterward, even at the risk of missing out on gains that might eventually make up for the crash in the long run?
Or would you just buy and forget about it for the next decade or so, since the gains will easily offset the initial loss?

 

 

Edited 3 hours ago by Nilas

[Olaf]

@Nilas 

For long-term investments, I diversify my portfolio. I have higher-risk investments, such as certain altcoins and Bitcoin/Ethereum, as well as more conservative investments in the S&P 500, gold, and silver. Ultimately, it's up to you how much risk you want to take. Personally, my portfolio is about 70% conservative and 30% high-risk.

I've taken risks that completely wiped me out, so high risk doesn't always mean high reward, although it certainly can. Waiting for a dip could be a good strategy. Now that Bitcoin is in a bear market, I'm keeping some cash on the sidelines so I can invest when the trend reverses, which could happen at any time. I've also heard people recommend simply buying every month, even during a bear market, so you don't miss out on a potential bullish reversal. I think that's a good approach as well. You could spread your investments over 12 months into whatever higher-risk asset you want to invest in.

I didn't follow that advice. I bought Bitcoin at its peak because I was inexperienced, and I had to watch both the market and my investment decline for six months. I wouldn't recommend doing that.

[Nilas]

@Olaf

Thanks for your reply. So, the amount mentioned above is my risk portion.
However, I certainly won’t be investing in high-risk assets like Bitcoin. I’m also not interested in individual stocks; even the S&P 500 is far too undiversified for my taste, since it consists mainly of tech stocks and only US.

Gold ETF is an option, i will look into. 

Spreading investments over a 12- to 24-month period is a strategy I hear often, and one I'm seriously considering. 

 

 

[Elliott]

Depends on the tech, it says you're in Germany I would partly invest in EU tech stock, health tech too. Tech is always going to be what has growth, other industries are stagnant, EU defense is having a day right now..

Quantum computers are going to end crypto.....

Edited 3 hours ago by Elliott