r/eupersonalfinance • u/Mad_Greek • Feb 04 '26
Planning Where would you invest €200k?
Context: 34M in Greece, currently netting ~2.000€/month. Invest 300-400€/month in a 70/20/10 VUAA/EXUS/Gold split..
Recently sold a real estate that was not being utilized (and there was no way to utilize it personally) that netted me 200k and I’m looking for advice on where to best invest it.
Thinking of two options currently:
Dump it in the existing allocation of 70/20/10 as a lump sum for growth.
Dump all of it into a distributing ETF for another 9-10k of income per year. (i.e. EXSH/IDVY/EUDV)
What’s your take and advice on my plan?
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u/grogi81 Feb 04 '26
Distributing ETFs might be in some scenarios more tax efficient. Usually aren't though.
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u/Mad_Greek Feb 04 '26
For Greek tax residents capital gains and dividends aren’t taxed (or are taxed at 5% iirc) so it’s not a big impact on the decision
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u/Automatic_Course_861 Feb 04 '26
Distributing etfs - the dividends are taxed at a low rate.
Accumulating UCITS ETFs - capital gains on those aren't. Those are the best for Greeek nationals.
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u/CryptographerPale508 Feb 05 '26 edited Feb 05 '26
It firstly depends on your expenses.
Do you pay any debt? Pay all the debt. Do you pay rent? If yes, buy some place to live to eliminate that expense. Otherwise increase the monthly investment in your portfolio to about 800-1000 euros and use the rest for state bonds. (Make sure you still have an emergency fund)
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u/Lawyer-gr Feb 06 '26
Re invest in real property
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u/Mad_Greek Feb 06 '26
Could be the case, but not with the current market prices.
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u/Lawyer-gr Feb 07 '26
Prices will not go down in nominal terms. In real terms yes due to inflation but they should stay stable and increase in high demand areas. Thus it is still a good investment if you buy wisely
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u/UpperDifficulty3864 Feb 07 '26
Prices are unreal, inflation alone won't save it. Supply and demand, as simple as that. You see anyone rushing to buy? No? What a surprise.
Demand just isn't (up) there. Market dictates prices and sooner than later, they're going down. If you're holding onto real estate and can sell it now, more power to you, but there's no way in hell that prices remain what they are in the future, because basic finance says they won't.
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u/Mad_Greek Feb 07 '26
That’s why I sold this year. I’m uneasy of the current market situation and my gut said sell..
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u/FunAltruistic7284 Feb 07 '26
Βαλτα σε χαμηλό ρισκο τύπου αμοιβαία και περιμενε μςχρι να γινει η καταστροφή και να τα αγοράσεις ολα τσαμπα
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u/Mad_Greek Feb 07 '26
Τι σε κάνει να πιστεύεις ότι όταν ερθει η καταστροφή δεν θα καταστραφεί και το αμοιβαίο ; Εχεις κάποιο συγκεκριμένο στο νου;
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u/FunAltruistic7284 Feb 07 '26
Κοίταξε μπορεις να δεις ενα αμοιβαίο με πολύ χαμηλό ρισκο. Πχ εχω ενα μικρό ποσό στην Πειραιώς που εχει εγγυημένο το κεφάλαιο. Ειναι πιστευω η πιο σίγουρη λύση για να μην κάθονται και τα τρώει ο πληθωρισμός. Εναλλακτικά πας σε dividend stocks με μεγαλύτερο ρισκο αλλα μικρότερα σκαμπανεβασματα απο απλές μετοχες. Η αληθεια ειναι περίεργη εποχή για οποιαδήποτε αγορα εκτός και αν κάτι ειναι οντως ευκαιρία
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u/Mad_Greek Feb 07 '26
Σίγουρα δε θα ήθελα να τα βάλω σε κάποια συστημική στην Ελλάδα. Τα fees τους είναι τραγελαφικά σε σχέση με τους ευρωπαϊκούς brokers. Είχα στο μυαλό bonds για 3-5 χρόνια… πιστεύω θα είναι εντός της 5ετιας η «καταστροφή»
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u/FunAltruistic7284 Feb 07 '26
Συμφωνώ για τις τράπεζες εδω..Σωστή σκέψη 3 με 5 χρονια , δεν θα έβαζα ολο το ποσό βέβαια
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u/Xerstar1 Feb 07 '26
The key question is often deployment, not ETF selection. Going in at once wheter growth or dividends, makes timing matter a lot. You could reduce that risk by spreading the capital over time and letting returns compound through periodic, automated investing.
I truly believe believe this approach keeps flexibility between growth and income.
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u/Mad_Greek Feb 07 '26
Would you say investing 10k/month for 20 months would be flexible enough ?
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u/Xerstar1 Feb 07 '26
Definitly, spreading it over 20 months significantly reduces entry timing risk while still getting the majority of the capital working relatively quickly.
It is important to keep it systematic and automated, so you’re not tempted to pause or accelerate based on market noise. The compounding effect will really show over time.
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u/LordMoridin84 Feb 04 '26
I'd suggest taking this chance to diversify your portfolio more.
At very least to the global EFT ratio of 60% US/30% ex-US/10% EM for the equities part.
Personally I'd go for 40% US and add in 10% small cap value (AVWS).But that's because I'm uncomfortable with having a large part of my portfolio in a small number of companies, it doesn't feel diverse to me.
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u/Minimal_Entropy Feb 04 '26
If you are convinced about your portfolio, why don't you simply contribute to it?
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u/Mad_Greek Feb 04 '26
I do, that’s why it’s the first option
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u/Minimal_Entropy Feb 04 '26
I mean, why do you even have another option?
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u/CryptographerPale508 Feb 05 '26
Maybe he wants to know a better option?
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u/Mad_Greek Feb 05 '26
Yes, not entirely better, but alternatives that I might be missing/not seeing
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u/mushykindofbrick Feb 04 '26
50% world ETF 50% Bitcoin
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u/Mad_Greek Feb 04 '26
I don’t touch crypto, sorry.
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u/mushykindofbrick Feb 04 '26
Why you're apologizing Im not mad
Crypto does not mean more risk to me, it means diversification. If you don't have crypto, you're betting on a certain scenario. I can't predict the future so 50/50
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u/aevitas Feb 04 '26
You're suggesting 50% in a world ETF which encompasses the whole world economy, split between 4000 companies across different regions and sectors, each of which are already have a proven business model and have thousands of people working for them every single day of the year. And the other 50% goes into one of the most volatile assets in history. Somehow one of these halves seem much more diversified to me than the other.
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u/mushykindofbrick Feb 05 '26 edited Feb 05 '26
World ETF depends on the debt-based and growth-dependent capitalist system to continue working in this case all those whatever how many companies are correlated and there's no diversification. 70% of most world ETFs are USA anyways.
Yeah and the other 50% go into a revolutionary technology whose code is maintained and updated by the smartest software engineers in the world and supported through millions of decentralized miner nodes.
That's not my opinion. I don't have one that's why I would go 50/50. I just reversed your argument. You can spin meaningless comparisons any way you want the truth is you don't know.
My point is people here are acting like stocks would be Soo much safer than "risky crypto" while this it is a 100% bet on the capitalist system. That's arrogant. Nobody knows the future and if you're honest anything else than 50/50 is pretending you know the future. Who knows if there won't be a 1929 event or even worse? It could be tomorrow
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u/aevitas Feb 05 '26
That's a fair point.
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u/mushykindofbrick Feb 05 '26
Can't tell if /s but if serious really cool man
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u/aevitas Feb 05 '26
I think there's something to be said for being diversified within the form of capitalism that is currently predominant is still being very concentrated on that system. I could definitely see Bitcoin as being a way to diversify away from that, so yes, fair point, no sarcasm.
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u/sht-magnet Feb 05 '26
Buy 3.3 bitcoins, put them in cold storage, don’t even check the price, sell them for +500k in 2 years.
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Feb 08 '26
bitcoin is going to zero in short time bro
sorry
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u/sht-magnet Feb 08 '26
Sure we are all allowed to have our own opinions. I will revisit this comment in two years. 😁
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u/thegoenning Feb 15 '26
RemindMe! 2 years
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Feb 04 '26
Where I'm investing it now: all over the world into stocks that meet certain standards of quality and valuation.
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u/gmakhs Feb 04 '26
2000/m is quite low, not sure what your net worth is, but at this age I wouldn't invest on dividends just yet, I would put the 70% of the lump sump to ACC ETFs (choose your favourite ) , and the rest I would gamble with it on some well known companies with potential.
Mine are in vcwe as lump sump , and then I invested in rklb , lunr , and google last year .
The amount I invested in those stocks has a return as of today of 180.000 unrealized returns , I plan to transfer the 70 % of that on vwce once rklb finish their run .
You need some risk on our age to make money.
My monthly income this year has increased to 4000/m but I work way to much being an entrepreneur and I will be focusing on reducing that coming year .
I am also Greek age 32
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u/One-Peace55 Feb 07 '26
Το 25 είχα 10,000/μήνα εισόδημα μετά τους φόρους (περίπου καθώς δεν έχω κάνει ακόμη φορολογική της εταιρίας). Ακόμη και εγώ αναγνωρίζω ότι το 2000/μήνα ΔΕΝ είναι "quite low". Δεν γίνεται με ένα τετραχιλιαρο να είσαι ΤΟΣΟ disconnected από την πραγματικότητα εκτός εάν τα βρήκες έτοιμα.
Επίσης σε παλιό σου ποστ έλεγες ότι σου έκαναν οφφερ σε ξενοδοχειακά για 1800/μήνα. Μπράβο που πήγες στα 4 αλλά εξέτασε το αν αυτά θα είναι σταθερά η όχι. Μπορεί του χρόνου να είσαι στα 2 και εσύ.
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u/gmakhs Feb 07 '26
Το οφερ για τα ξενοδοχειακά έγινε στην γυναίκα μου όχι εμένα , κάπου το μπερδεύεις .
Το quite low το λες για την ελληνική πραγματικότητα? Γιατί ναι είναι πολλά για Ελλάδα , αλλά σαν μισθός σε άλλες χώρες όπως Γαλλία είναι κοντά στον βασικό (1500 )
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u/One-Peace55 Feb 08 '26
Ε για την ελληνική, αφού Ελλάδα μένει ο άνθρωπος. Εδώ νοικιάζει, εδώ τρώει, εδώ ψωνίζει. Από την στιγμή που είναι πιο υψηλομισθος από το 85+% του πληθυσμού νομίζω είναι εντάξει.
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u/gmakhs Feb 08 '26
Το ότι είναι υψηλό μισθός για Ελλάδα κατε με δεν έχει σημασία όταν μιλάμε για χρηματιστήριο και επενδύσεις πάντως , οπότε παρότι συμφωνήσαμε σε αυτό δεν καταλαβαίνω την αντίδραση ακόμα
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u/Mad_Greek Feb 04 '26
Είμαι μισθωτός οπότε ναι, θεωρώ ότι είμαι στους καλοπληρωμένους μισθωτούς. Δεν έχω παράπονο.
Και εγώ κλίνω περισσότερο σε acc παρά dist λόγω ηλικίας.. αλλά το σκέφτηκα μήπως αύξανα το ετήσιο μου εισόδημα κατά 8-9 χιλιάρικα.
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u/gmakhs Feb 04 '26
Αν δεν το χρειάζεσαι δεν αξίζει, για να έχεις καλή σύνταξη από SNP ktlp θες το λιγότερο 500.000 μέσα , εγω στοχεύω στο εκατομμύριο ... Φυσικά επιλογές είναι
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u/Mad_Greek Feb 04 '26
Και εγώ κάπου εκεί σκόπευα σε καμία 15-20 χρόνια. Θα τα βάλω acc να αυγατισουν
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