u/Slurpyy5

I’m 26 and recently finalized the sale of my company. Between dividends/savings over the last years and the exit, I’m sitting on roughly €5m in cash.

I definitely don't want to "retire" at 26, but my main priority is securing myself completely so I never have to worry about money again, regardless of how future projects go.

Current situation:
No debt, fully paid off apartment.
Monthly expenses: fairly low baseline since I have no rent/loans.
Passive income that covers my lifestyle. It's from my second company which is affiliate based with no expenses or employees.

What I'm thinking:

80% (~€4m): Dump into broad market ETFs (primarily VWCE) and leave it untouched for the next 15–20+ years.

20% (~€1m): Keep liquid / use to fund future ventures, maybe explore angel investing or individual picks.

I spoke with a few professional wealth managers/advisors, but honestly, all of them just tried to push high fee active funds that historically underperform the index after fees.
For the remaining 20%, I’m genuinely undecided on how to deploy it effectively without spreading myself too thin.

A few questions for the sub:

1. For those who had a sudden liquidity event in Europe, how did you handle lump-sum deployment into broad ETFs (lump sum vs. DCA over 6–12 months for peace of mind)?

2. Any major blind spots in this 80/20 setup?

3. How did you mentally approach staying productive without taking reckless risks with the remaining capital?

Please let me know if 80% VWCE is too safe or would you rather do something else. Thanks!

I have been trying for the past 3 years to book Badrutt's palace for either New Years or Snow Polo and both occasions are fully booked or unavailable months in advance. Should I just give up? Is there a way to get a room during these times?

I was recommended to get in touch with multiple concierge agents who allegedly have the ability to get off market room deals. I have no idea if this is actually true or I just end up getting scammed.. Thanks in advance for your help!

I spent the last 10 years completely focused on building a business that I just sold and my YouTube channel which has 1m subscribers. I'm very social, in the best shape of my life and not a typical virgin awkward guy who never leaves the house.

But I completely neglected my love life. I have never had a girlfriend, never had sex and never even had my first kiss.
Because of my looks and my success, people just assume I have experience. That expectation terrifies me. Whenever girls in my circle flirt with me I panic and purposely friend zone them right away. Most recent one assumed I was secretly gay because of it which makes it worse..

The idea of a girl finding out I literally don't know how to kiss is my absolute biggest nightmare. The embarrassment of it all is just eating me alive.
Because of this fear, I can't face the embarrassment of starting from absolute zero at my age. I feel completely stuck because all my friends are the exact opposite and I have hid this from everyone, even making up stories of my past relationships (which never happened)

The fame also makes it even worse, I live in a small country where everyone knows me from social media and has big expectations of me because of my looks and status. This makes it even more embarrassing and a huge fear for me.

What the hell should I do? Has anyone else dealt with this? Do I just tell a girl I'm totally inexperienced right off the bat, or do I try to fake it? I really need advice on how to get past this mental block and finally start.

Rečeno mi je u banci da na IBKR ne sme ostati slobodna sredstva i da sve mora biti investirano po dogovoru u punom iznosu.

Zanima me kako to funkcioniše u praksi ako želim aktivno da trgujem?

Kada likvidiram poziciju, da li zaista ne smem da zadržim novac na platformi dok čekam dobru priliku za novu kupovinu? Da li po našim pravilima moram odmah da kupim nešto drugo ili da vraćam novac nazad na račun u Srbiji?

Takođe šta se dešava kada mi se isplati dividenda (s obzirom na to da ona leže kao slobodan novac na nalog)