I know most here are US-based, but I thought I'd give this a shot.

I've been running a pretty straightforward ETF portfolio through Ergo in Germany for a while now. Here's my current breakdown:

• 25% in iShares MSCI EM IMI ESG Screen UCITS ETF
• 25% in iShares MSCI Europe ESG Enhanced UCITS ETF
• 50% in iShares MSCI World SRI UCITS ETF EUR

I've recently freed up an extra €500 monthly that I'm looking to invest and am wondering if it would make sense to just bump up my monthly contribution from €1,000 to €1,500 while keeping the same allocation percentages, or should I consider doing something different with this extra cash?

For context, I've got my emergency fund covered (one year's expenses) and no debt to worry about.

I look forward to hearing your thoughts.

Just curious since the recent DeepSeek panic.

What do you like? Companies/ETFs?

What do you do? Buy and hold/Trade/Options (Calls/puts, LEAPs, spreads)?

What areas do you think will see massive change (gain/loss)?

Pretty sure this is my first or second topic post, so apologies if the opener is too short.

I understand how distributing bond etfs could work, you get part of the coupons when the etf distributes profits, which compensates somewhat for the price changes of the etf. Interest rates would affect the price of the etf but that would be partly compensated by the distribution.

But how does this work on accumulating etfs? If the profits are always reinvested in the fund, shouldn't the price of the fund always go up? Assuming all/most bonds dont default, interest rates would affect the price but that would be compensated by the reinvested profits?

I am missing something here, dont see the point of a bond etf if the price can change so much.