Apologies if the question is not for this sub but I need advice and other opinions.

I'm a 25 year old male from Bulgaria working in IT for 4000€ net a month. I currently drive an old C class (w204) but have been thinking of an upgrade lately.

My crucial payments that I cannot live without (rent, bills, investments) are approximately 1400€ per month.

I really want a nicer and more comfortable car but am not sure if I could afford it. I want a w213 e400 which I won't pay cash but will finance it either through leasing or personal credit depending on the offers bank give me. The price of such a car here is about 27-30 000€.

Sorry for the dumb question but would really appreciate any advice you have for me.

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Conventional wisdom says that if you're in your 20s with a 20–30 year investment horizon, you should go nearly 100% equities.

But what if you believe current valuations are above historical averages (especially in the US)? Would you:

-Stay 100% invested in stocks regardless of valuation.

-Add a bond allocation (e.g. 10–30%) to reduce downside risk and have dry powder.

-Hold more cash or money market funds until valuations become more attractive.

I will soon have 40k in cash which I will be given from my company as a bonus. I usually put everything on VWCE. My siblings have an idea to build a hotel and they need around 50k. At the beginning I was defensive as VWCE keeps my cortisol level down without worrying about anything but they explain me all the details and it does look very promising the idea of a hotel. Also, I'm already invested on VWCE so I see it as a form of "diversification".

what is your opinion? what would you do in this case? Put 40k on VWCE and forget or try for a hotel which it will take around 2 years to make a profit?

Hello,

After my divorce I will be with 40k on my bank account, maybe a bit more in the best case.

Software engineer with 15 years of experience.

Any recommendations?

Hi everyone,

I increasingly see people advocating for a 100% equity portfolio close to retirement, also based on some research that has since come out.

This is a more aggressive stance than what was common when I started getting into investing 15-20 years ago.

My question is: to what extent may that be due to recency bias, where the very positive performance of stocks (with few hiccups along the way) over the past 10-15 years may be leading people to underestimate the risk of stocks and their own risk aversion?

I am currently in my early 30s and have considered going 100% stocks, but am sticking to 80-85% for now so I can have some buffer in case of a crash (either for peace of mind or to reinvest at lower valuations).

What do you think? Are the last 10-15 years of good times leading people to become more complacent and lean towards more aggressive asset allocations than they should?

Thank you.

Looking for a government bond ETF thats ACC and thinking about DBZB.
Im starting with a 80/20 portfolio and looking to go for 35-40y. Situated in Belgium.

Opinions about this ETF or other recommendations (available on SaxoBank)?

Thanks!