How would you invest €50k right now?

[Blackside]

The amount is a bit small, yes.

But I'm looking around and want to find a low-risk (long-term) investment that doesn't have anything to do with extreme volatility like crypto.

Some ideas that immediately come to mind: Cheap condos in Eastern Europe, or in cheap Spanish regions.

ETF's? Buying franchises or smaller established offline businesses?

In general, I am open to the whole world, can travel anywhere in Europe, US or even Asia.

 

[JohnnyDoe]

JEPI, SVOL, JPIE, GOF

 

[wellington]

stETH, stSOL, XTP

 

[backpacker]

Bond ETF's,
e.g. an ETF on Emerging Markets bonds or on US Corporate High Yield bonds.

 

[Rulentiy]

GAZPROM

 

[Onassis]

But I'm looking around and want to find a low-risk (long-term) investment that doesn't have anything to do with extreme volatility like crypto.

VHVE (IE00BK5BQV03)

 

[Mercury]

If you want income: Wheel Strategy on SPY ETF.

With 50K USD at current market price you can sell one (100 shares) Cash Secured Put (CSP) option contract.
Collect premium(s) until you get assigned (100 shares of SPY bought) then sell one Covered Call (CC) option contract.
Collect premium(s) until you get assigned (100 shares of SPY sold) then start again selling CSP.

If you have a clear strategy you may be able to yield 1-2% monthly on your investment.

Risk is being assigned forced to buy SPY shares then market tanks and you will have to wait the market recovers until you can collect CC premiums again without losing on your capital if assigned.
Meanwhile you hold SPY (1.45% dividend yield) which will recover at some point unless US economy, meaning the top world companies, bankrupts.

 

[JohnnyDoe]

If you want income: Wheel Strategy on SPY ETF.

With 50K USD at current market price you can sell one (100 shares) Cash Secured Put (CSP) option contract.
Collect premium(s) until you get assigned (100 shares of SPY bought) then sell one Covered Call (CC) option contract.
Collect premium(s) until you get assigned (100 shares of SPY sold) then start again selling CSP.

If you have a clear strategy you may be able to yield 1-2% monthly on your investment.

Risk is being assigned forced to buy SPY shares then market tanks and you will have to wait the market recovers until you can collect CC premiums again without losing on your capital if assigned.
Meanwhile you hold SPY (1.45% dividend yield) which will recover at some point unless US economy, meaning the top world companies, bankrupts.

You can’t advise a random guy looking for hands off simple investments to setup an options strategy

 

[Mercury]

You can’t advise a random guy looking for hands off simple investments to setup an options strategy

You misread him.
The "random guy" did not indicate he's looking "for hands off simple investments".
He even mentioned willing to invest in real-estate and to buy "franchises or smaller established offline businesses", which is far from passive investments.

 

[JohnnyDoe]

You misread him.
The "random guy" did not indicate he's looking "for hands off simple investments".
He even mentioned willing to invest in real-estate and to buy "franchises or smaller established offline businesses", which is far from passive investments.

OP doesn’t have clear ideas, so better not to drag him into something he doesn’t understand. He mentioned ETFs, he shouldn’t venture any farther.

 

[Mercury]

OP doesn’t have clear ideas

Are you referring to his nickname?

 

[uranium]

Buy btc.

 

[polonieth]

The amount might seem small, but remember, most of the replies have never had that amount to invest anywhere, yet are giving it big in the replies

 

[Mercury]

Buy btc.

If you consider crypto as a low-risk investment then, unless you are a BTC maximalist, you will get more leverage with ETH. If you are really inspired or got insider information then (still) buy XRP.

 

[JohnnyDoe]

Buy btc.

He could do that with the dividends from the portfolio I suggested

 

[uranium]

He could do that with the dividends from the portfolio I suggested

Could he triple his 50k with your portfolio in 2 years?

 

[FreedomSearcher]

Why not just put your money in a low-cost S&P 500 index fund like SPY, VOO & IVV?

 

[JohnnyDoe]

Could he triple his 50k with your portfolio in 2 years?

No but he doesn’t want to buy crypto outright, so this could be a good compromise

 

[jafo]

JEPI, SVOL, JPIE, GOF

Solid advice! All these 4 have kept their value pretty stable and some can be bought now at a discount.

 

[uranium]

Why not just put your money in a low-cost S&P 500 index fund like SPY, VOO & IVV?

Voo 10% a year. 0.03% cost