[jj90]

(06-02-2016 02:07 PM)PhDre Wrote:  

I have about 40k euro that I want to invest for a medium term period (2-5 years). Since this capital represents the majority of my savings, I want to invest it in a low risk way. I am not looking for return on investment, but for a decent strategy to keep up with inflation and to minimize my losses in case of a collapse of the euro or usd.

While not impossible, it is highly unlikely that there is a "collapse" in a major world currency. Will your purchasing power be cut, yes. Will you experience Weimar Republic inflation, possible but unlikely. The Brazilian real has been depreciated against the US dollar 50% in the last 5 years, people still live fine there. No Mad Max scenarios. Possible != probable.

In the event it all goes Pete Tong, you will see it coming.

(06-02-2016 02:07 PM)PhDre Wrote:  

There are two things I am wary of at the moment:
-entering the stock market with the current high P/E ratios, especially given the fact that I don’t have the knowledge nor the time to manage my investments on a daily or weekly basis.
-Entering the real estate market. The market in my home country is strongly overvalued and I don’t want to invest in a market that I don’t know.

I was thinking of splitting the capital over savings accounts in euro, yuan and rubles and a bitcoin wallet, but honestly, I’ve got no idea what I’m doing.

Can you guys give me some ideas for a strategy? Again, I am not looking for return on investment but for a way to minimize the hit I take in the case of strong inflation or a collapse of the euro.

There are 2 main assets that has withstood the test of time regarding inflation. Dividend paying equities, and RE/land. Pick your poison.

There's a reason why stock markets/real estate in most major developed economies are strong(high).

Don't try your currency idea if you have no idea by your admission what you are doing. You aren't hedging your inflationary risk and are just really taking a bet on other economies inflation.