Been reading about Central Bank Digital Currencies lately and honestly, I'm scared. Unlike cash, CBDCs could be fully traceable, programmable, and controllable—think restrictions on what you can buy, where, and when. In extreme cases, spending could be blocked or reversed, accounts frozen instantly, or even tied to behavior scores or carbon footprints. As someone chasing FIRE for freedom, this feels like a direct threat. Is anyone else preparing for this? Holding physical assets, privacy tools, alternatives to fiat? Would love to hear how others are thinking about it.

Should crypto be a part of your asset allocation, and if so, for which %? And If so, which crypto and what weights to allocate to them? For instance: let's suppose we have a significant portfolio, with let's say 500.000 EUR. An allocation could be: * 5% cash (25.000 EUR in our example) * 65% IWDA (or SWRD, VCWE,...) (325.000 EUR in our example) * 15% hard assets like physical Gold, Silver, Platinum or via ETC's (75.000 EUR in our example) * 15% crypto (75.000 EUR in our example), of which: * 60% BTC (45.000 EUR), * 30% ETH (22.500 EUR), * 30% other? * An interesting side though would be if we should opt for investing in physical crypto or via an ETF like HODL or BLOC (which are ETP's that track the performance of a crypto basket) To minimise risk / volatility, we could DCA all these. Key idea here is not only to maximize returns but also to manage volatility by diversification.

Hallo Hier een jonge (hopelijk) startende belegger. Wat is jullie mening over vaneck crypto & blockchain?