Dear r/investing, I have €10,000 that I want to invest for 5 years (the time horizon is fixed in my case). I’ve looked into different options and came across the following portfolio structure: 80% ETFs and 20% Xetra-Gold. In Germany, if I hold physical gold for more than one year, there can be tax benefits, so in my case, the 5-year holding period would apply. For the remaining 80%, I want to invest in ETFs that do not include financial companies, companies involved in betting or alcohol, or fix
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