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Classic 3-fund approach works well here. Keep ~€15k liquid as an emergency fund in a money market or high-yield account, then invest the rest: 70% MSCI World ETF (e.g. iShares Core MSCI World UCITS / IWDA) — global equity exposure, low cost 20% Global Aggregate Bond ETF (e.g. iShares Core Global Aggregate Bond UCITS / AGGG) — smooths out volatility, gives you something to rebalance from during equity crashes 10% Emerging Markets ETF (e.g. iShares Core MSCI EM IMI UCITS / EMIM) — extra growth kicker Why bonds at your age? You're not 22. A 20% bond allocation means when equities drop 40%, you're not panic-selling, you're rebalancing into equities with your bond cushion. It's not about yield, it's about behavioral protection. Use IBKR for the lowest fees. Stick to UCITS ETFs as an EU resident. Automate contributions, rebalance once a year, ignore the noise. That's it.
A diversified global portfolio, structured as per your risk appetite. For stocks, you can use a global ETF such as VWRA. For bonds, again a global ETF such as AGGG. If you have a large portfolio, you can also buy individual bonds from different countries and denominated in multiple currencies to protect yourself from currency risk. Some gold is also good. A reputed ETF such as PHYS or GLD. If you want to take more risk and are ok with volatility, consider silver. And for a high-risk high-return part of your portfolio, you can add some Bitcoin too - it's core purpose of existence is situations like yours. You can use ETFs such as FBTC or IBIT, or buy directly and store in a cold wallet too.
If by alts you mean altcoins - why are you in them in the first place? Short in-and-out trades? If you like doing that, maybe you can keep doing that with a tiny portion of your portfolio. But otherwise, it's better to have a well-diversified portfolio as a base - for the majority of your investments. Something like VT along with AGGG. You can keep Bitcoin too for the long term of course.
It's visible for me. It Has happened before on AGGG.UK. I was watching my portfolio at that time I went from 5% to 30% in one tick. This was happening fór about 3 minutes and then It started moving ",normally"
Don't forget currency risk with SEMB - that yield can evaporate quickly if the dollar strengthens. Interesting point about AGGG's launch timing...might be lagging other funds that benefited from the earlier rate environment.
[AGGG.UK](https://AGGG.UK) US CORE AGGREGATE BOND ETF
Invest in index funds such SPY, IVV or VOO All of them track performance of whole Stock Market. Also try some Bond fund such as AGGG. Stocks 80% bonds 20% and if you want buy some PHYSICAL gold for hedging purpose.