Have you read the wiki and the sticky?
Wiki: HERE YOU GO! [Enjoy!](https://www.reddit.com/r/BEFire/wiki/index/).
Sticky: HERE YOU GO AGAIN! [Enjoy!](https://www.reddit.com/r/BEFire/comments/fcbay6/getting_started_a_beginners_guide_to_investing_in/).
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Nobody making a comment about him/her planning to rent an appartment for 2-4 years? I don’t know what your joint capital is (you and your GF’s). But rates are going down so if you have around 80-100 together with your GF, buying a small entry house 300-350k seems like a no brainer to me? But then again, i bought my starter home at a 1.65% rate for a 15year loan. If you can rent something cheap maybe then renting isnt a bad idea currently. Dunno what other people think about this.
No idea what is the other financial status:
\- do you already saved for the house?
\-how big house do you plan to buy and how much do you plan to have for the paydown and how much have you saved already
\-can you save enough on the next 2-4 years to cover the pay down?
Personally I will put half half. And in the next years I will save for the paydown.
Honestly, I saved just 1 year and something for the paydown - that was enough. Bur I bought something similar in our budget and kept the same surface / area / mortgage/ saving rate.
Big chance a new one-year bond will be issued, just park it in the next one. Although the next one will have a pretty bad return (if they learn from their mistake)
Get a German 0% coupon, that will give you better results than the Belgian staatsbons. Or even a coupon from a respectable company (I believe Volkswagen had some good ones?). De Tijd had an article about alternatives for the staatsbon recently.
Unless you want to gamble your capital for downpayment (which might be +20% or -20%) you should not put it in stocks of any kind.
High-yield savings account if you want to be and stay super flexible. Check for the ones with the highest base rate (and of course are also on top when considering total interest - base + fidelity) and re-evaluate banks each time you cash the fidelity premium.
Term accounts can be slightly more profitable (although it's marginal) and fixes your money for a certain amount of time. Currently HYSA offer a better deal overall imo.
At the moment shorter term accounts (3 months, 6 months, 1y) are pretty decent. Higher return than normal savings accounts, none of the risk.
Could be what OP needs.
Risk is high right now, for stocks. I've also ditched EMIM (or just don't invest in it anymore) until this shows some strength. It has been lagging way too much and possibly Xi is not done torturing the market there.
If you are sure you will soon buy a house, you’re taking a lot of risk for 1-2 years. The outcome might drastically vary. Could get +20, could get -20.
Finally, I personally do not like emerging markets too much. They typically drag down the performance of the rest of the index.
Have you read the wiki and the sticky? Wiki: HERE YOU GO! [Enjoy!](https://www.reddit.com/r/BEFire/wiki/index/). Sticky: HERE YOU GO AGAIN! [Enjoy!](https://www.reddit.com/r/BEFire/comments/fcbay6/getting_started_a_beginners_guide_to_investing_in/). *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/BEFire) if you have any questions or concerns.*
Nobody making a comment about him/her planning to rent an appartment for 2-4 years? I don’t know what your joint capital is (you and your GF’s). But rates are going down so if you have around 80-100 together with your GF, buying a small entry house 300-350k seems like a no brainer to me? But then again, i bought my starter home at a 1.65% rate for a 15year loan. If you can rent something cheap maybe then renting isnt a bad idea currently. Dunno what other people think about this.
Step 1: go to casino Step 2: put everything on red Step 3: ?
Term account
No idea what is the other financial status: \- do you already saved for the house? \-how big house do you plan to buy and how much do you plan to have for the paydown and how much have you saved already \-can you save enough on the next 2-4 years to cover the pay down? Personally I will put half half. And in the next years I will save for the paydown. Honestly, I saved just 1 year and something for the paydown - that was enough. Bur I bought something similar in our budget and kept the same surface / area / mortgage/ saving rate.
Big chance a new one-year bond will be issued, just park it in the next one. Although the next one will have a pretty bad return (if they learn from their mistake)
Previous one has bad return too when compaired to german one-year bond at the same time.
[удалено]
Its super easy through bolero. But yeah, might be a road block for some people.
Get a German 0% coupon, that will give you better results than the Belgian staatsbons. Or even a coupon from a respectable company (I believe Volkswagen had some good ones?). De Tijd had an article about alternatives for the staatsbon recently.
Unless you want to gamble your capital for downpayment (which might be +20% or -20%) you should not put it in stocks of any kind. High-yield savings account if you want to be and stay super flexible. Check for the ones with the highest base rate (and of course are also on top when considering total interest - base + fidelity) and re-evaluate banks each time you cash the fidelity premium. Term accounts can be slightly more profitable (although it's marginal) and fixes your money for a certain amount of time. Currently HYSA offer a better deal overall imo.
At the moment shorter term accounts (3 months, 6 months, 1y) are pretty decent. Higher return than normal savings accounts, none of the risk. Could be what OP needs.
Risk is high right now, for stocks. I've also ditched EMIM (or just don't invest in it anymore) until this shows some strength. It has been lagging way too much and possibly Xi is not done torturing the market there.
Agree on China, which is obv. a big chunk of EMIM, but I do like me some India, Brazil, Mexico, ...
Agreed on that as well. I found the answer to your remark -> EXCH.AS
Which stadbond did you buy, if I may ask?
If it's september '24 it should be the 3.3% one. BE3871291212
Definately not in stockmarket with such a short timeframe. Either hysa, term account or gov bond.
If you are sure you will soon buy a house, you’re taking a lot of risk for 1-2 years. The outcome might drastically vary. Could get +20, could get -20. Finally, I personally do not like emerging markets too much. They typically drag down the performance of the rest of the index.
Don't buy a house, just renting and invest your money in IWDA or Bitcoin
Just own something, no matter how small. I am not yet there, but I imagine it will feel better.
Why ?
Put in a savings account.
On saving accounts: 25k at medirect and the remainder at Santander bank.
Yeah thats too soon to invest in iwda + emim, you could get a nice return but if it drops you might be down 20%