I recently received a lump sum cash of about 50K. It is not huge but not a small amount either, and I would like to have some idea of how to make use of this money smartly.
Here is my current portfolio:
\- 80K ETFs (mainly MSCI world, DAX, MSCI EM, S&P 500)
\- 41K individual stocks (mainly technology industry and banking industry with some other random brands/ pharmaceutical companies)
\- 70K in saving account with ca 2% interest rate
\- 15K cash in bank account for daily expenses and emergency occasions
Now with the 50K investment opportunity, i want to get inspired how to diversify my portfolio more? I am risk-adverse person, so I am not looking for high risk high reward type.
so far I cam think of:
\- more ETFs (but which ones?)
\- government funds (but does it make sense?
\- as part of down payment for an apartment