Where to invest my next 40k?

Investment

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

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