u/Smooth_Size6304

Hello , i would appreciate an articulated opinion.

I work as an engineer in Belgium and have saved up some money , around 30k now. And i have invested another 20k into gold and stocks.

I had my eyes on an apartment which i would have used the cash for as a down payment but now its gone and i abandoned the idea of buying one for now and the 30k are just sitting in the bank .

The question is what do you think i should do with the money in the meantime . Bank interest rates are low not worth the moving and i was thinking into putting them all into etfs. If i go that way would you say its better to buy the etf all at once or 1000 every month or what scheme would you recommend.