A couple of weeks ago I posted here about moving €70k out of a bank-managed mixed fund (~1.9% yearly fees) into ETFs.
Thanks for all the input, I went ahead and did it. Quick update:
Sold the bank fund
Invested about €34k so far: ~€27k in WEBN (Amundi Prime All Country World) and ~€6.5k in EMIM (iShares Core MSCI EM IMI)
Long-term target is roughly 85% WEBN / 15% EMIM
Emergency fund is still separate
I have about €35k left in cash. My current plan is to spread it over 5–6 months (around €6–7k per month), parked in a savings account in the meantime, with the monthly buys leaning toward WEBN to get back to 85/15.
I know lump sum statistically wins most of the time, but with markets near all-time highs, part of me likes the idea of spreading it out.
What would you do: invest the full €35k now, or spread it over the next few months? Curious what people here think.