/biz/ - Business & Finance

Any Eurobros (especially german) here? I cashed out some crypto cash a month ago and want to split it into 33% cash, 33% MSCI world, 33% MSCI emerging markets.

I have beginner questions:

>1) Do you think in general this is a good split? I have no idea what's happening with the stock markets, it can go anywhere I feel like so I want to be evenly split to be able to buy more in a crash and to not miss a rally at the same time.

>2) I'll have a talk with my banker next week but I already looked at the depot and ETF products they have, they only have 3 providers you can invest in for free but their internal ETF fees are high (what do you call them?) like 0.3-0.5% p.a. The providers are DeKa, UBS and Xtrackers. Should I go for a cheaper online broker and cheaper ETFs? Are they not as secure or why are they cheaper? The cheapest ETF I could find is Lyxor and I would buy it on some cheap online broker.

>3) Anything else I absolutely have to know or look at? Does it matter where the ETFs are managed or issued?

thx in advance

The *BRRRAAAAAAPPPP* posting market is at an all time low on /biz/. Is now the time to buy?