How would you invest €50k right now?

[Blackside]

The amount is a bit small, yes.

But I'm looking around and want to find a low-risk (long-term) investment that doesn't have anything to do with extreme volatility like crypto.

Some ideas that immediately come to mind: Cheap condos in Eastern Europe, or in cheap Spanish regions.

ETF's? Buying franchises or smaller established offline businesses?

In general, I am open to the whole world, can travel anywhere in Europe, US or even Asia.

 

[JohnnyDoe]

JEPI, SVOL, JPIE, GOF

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[Wellington]

stETH, stSOL, XTP

 

[backpacker]

Bond ETF's,
e.g. an ETF on Emerging Markets bonds or on US Corporate High Yield bonds.

 

[Rulentiy]

GAZPROM

 

[Onassis]

VHVE (IE00BK5BQV03)

 

[Mercury]

If you want income: Wheel Strategy on SPY ETF.

With 50K USD at current market price you can sell one (100 shares) Cash Secured Put (CSP) option contract.
Collect premium(s) until you get assigned (100 shares of SPY bought) then sell one Covered Call (CC) option contract.
Collect premium(s) until you get assigned (100 shares of SPY sold) then start again selling CSP.

If you have a clear strategy you may be able to yield 1-2% monthly on your investment.

Risk is being assigned forced to buy SPY shares then market tanks and you will have to wait the market recovers until you can collect CC premiums again without losing on your capital if assigned.
Meanwhile you hold SPY (1.45% dividend yield) which will recover at some point unless US economy, meaning the top world companies, bankrupts.

 

[JohnnyDoe]

Mercury said:
If you want income: Wheel Strategy on SPY ETF.

With 50K USD at current market price you can sell one (100 shares) Cash Secured Put (CSP) option contract.
Collect premium(s) until you get assigned (100 shares of SPY bought) then sell one Covered Call (CC) option contract.
Collect premium(s) until you get assigned (100 shares of SPY sold) then start again selling CSP.

If you have a clear strategy you may be able to yield 1-2% monthly on your investment.

Risk is being assigned forced to buy SPY shares then market tanks and you will have to wait the market recovers until you can collect CC premiums again without losing on your capital if assigned.
Meanwhile you hold SPY (1.45% dividend yield) which will recover at some point unless US economy, meaning the top world companies, bankrupts.
Click to expand...

You can't advise a random guy looking for hands off simple investments to setup an options strategy

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[Mercury]

You misread him.
The "random guy" did not indicate he's looking "for hands off simple investments".
He even mentioned willing to invest in real-estate and to buy "franchises or smaller established offline businesses", which is far from passive investments.

 

[JohnnyDoe]

Mercury said:
You misread him.
The "random guy" did not indicate he's looking "for hands off simple investments".
He even mentioned willing to invest in real-estate and to buy "franchises or smaller established offline businesses", which is far from passive investments.
Click to expand...

OP doesn't have clear ideas, so better not to drag him into something he doesn't understand. He mentioned ETFs, he shouldn't venture any farther.

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[Mercury]

Are you referring to his nickname? smi(&%

 

[uranium]

Buy btc.

 

[polonieth]

The amount might seem small, but remember, most of the replies have never had that amount to invest anywhere, yet are giving it big in the replies 😀

 

[Mercury]

If you consider crypto as a low-risk investment then, unless you are a BTC maximalist, you will get more leverage with ETH. If you are really inspired or got insider information then (still) buy XRP.

 

[JohnnyDoe]

uranium said:
Buy btc.
Click to expand...

He could do that with the dividends from the portfolio I suggested

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[uranium]

Could he triple his 50k with your portfolio in 2 years?

 

[FreedomSearcher]

Why not just put your money in a low-cost S&P 500 index fund like SPY, VOO & IVV?

 

[JohnnyDoe]

uranium said:
Could he triple his 50k with your portfolio in 2 years?
Click to expand...

No but he doesn't want to buy crypto outright, so this could be a good compromise

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[jafo]

Solid advice! All these 4 have kept their value pretty stable and some can be bought now at a discount. 😎

 

[uranium]

Voo 10% a year. 0.03% cost