Where to invest my next 40k?
Hello everyone!
I'm 30.
I live in Ireland.
I'm French.
Is the breakdown of my current wealth :
- Stocks : 115k (ETF only, SP500, Nasdaq, Europe, Emerging Markets, R2000)
- Company shares : 150k (of which half is vested)
- Real estate : two apartments, net benefit of 300€/m (net of taxes), market value 150k, location : France, pays for itself (1.3k rent, 650€ loan repayment, both per month)
- Crypto : 30k (currently DCAing 600€/month BTC before alt season, lol idk)
- Irish pension plan : 50k (+2.4k/month)
- French ension plan : 30k (idle)
- Life insurances : 40k (idle)
- Cash : 40k
Context :
- Tech employee : 140k/year + 20k shares per year, 4 year vesting
- Renting : 1.4k/month
- Girlfriend (abroad)
Where should I invest my next 40k?
- DCA Nasdaq?
- Lump sum investment?
- More real estate?
- Stock picking?
- DCA mag 7?
- DCA SP1?
Thanks :)
Posted May 12, 2026, 2:45 PM UTC