Hi everyone [throw away account 'cause I'm mad for privacy ]
Our story
29f/33m, business owners of a small company (we do not have any employee)We have been able to save an average of 7.5k per month over the past 12 months due to "bull market" for our business, may drop and stabilize on 2-4k month savings over the next few years due to market decrease and a baby on the way.
Our net worth
Our strategy
We want to:
[edit: better spacing]
Our story
29f/33m, business owners of a small company (we do not have any employee)We have been able to save an average of 7.5k per month over the past 12 months due to "bull market" for our business, may drop and stabilize on 2-4k month savings over the next few years due to market decrease and a baby on the way.
Our net worth
- 235k total NW shared
- 10k invested in DEGIRO VWCE
- 225k in cash
Our strategy
We want to:
- invest 190k with a horizon of 3-6 years
- 25k as a safe found
- 550€/month in a private retirement fund (that we'll cover an extra 1000€/month each on top of our state pension when we will retire)
- Once we maxed out the private pension, we have 1.5k to 3.5k to invest in a PAC composed as follows:
- 40% VWCE
- 20% Long Term Bonds
- 20% Short Term Bonds
- 20% Gold
- What do you think of the overall strategy?
- How to invested 190k with a horizon of 3-6 years. The only idea is an inflation protected bond but our state demand 26% taxes on capital gain.
[edit: better spacing]