In a moment of weakness, I was looking into investing in US 20+ year bonds with an iShares ETF. The reasoning was that Bank Norwegian’s 2.2% is less than a 5% bond coupon. A weakening dollar would have also provided nice leverage.
However, those were only distributing (ETFs), and then there would have been a huge hassle with withholding tax reclamation. So, I’ll just stick with the savings account.
I have one distributing iShares ETF, and the entire return from it comes tax-free, directly to my book-entry account. The previous quarterly dividend was about 120 euros, so it’s not even subject to the 20 euro tax threshold that applies to normal dividends. The tax authorities will likely claim their share in next year’s tax assessment (at the latest); this is as an OP customer.
iShares is part of BlackRock and operates in Ireland.
I also checked last year’s tax decision, and the income from this ETF was marked as interest income under foreign capital income.
What instruments have @Alituotto and @AlPandi considered and used for these fixed-income investments? I’m also interested for a larger cash position that I’m not currently ready to put into stocks.
With currency risk
The same but without or with less currency risk can be found by adding “hedged ETF” to the title.
How are things, cash holders, what kind of plans do you have in mind? When the markets are calm, it’s good to make plans for turbulent times. My portfolio has 15% IG euro loans, which indicate S&P500 20%, 25%, and 30% below current levels. Cash (5%) for commodities, Markku Kaustiala was impressive as a guest on Pörssipäivä.
Youngsters! Congratulations! Monday is your day. 
Exactly, the US markets have come down almost a percentage after Helsinki’s close 
Helsinki slavishly follows NASDAQ, except on up days. On down days, one can also throw in the Helsinki factor.
Generally speaking, I am already a very conservative investor and try to avoid major rushes in one direction or another. If I disregard other investment forms (housing/real estate/forest) and only look at securities portfolios, the investment rate traditionally hovers between 70-80% there, with the rest in fixed income. This autumn, that investment rate has dropped to ~55%, as I just can’t find worthwhile investment targets. So, here’s one cash hoarder who is waiting for (=hoping for) some kind of market crash.
I’m adding extra reserves to my Nordnet stock portfolio. Cash in the portfolio after this will be just over 13%. A small portion as liquid cash and a larger part in the short-term bond fund Evli Likvidi B.
The bull market has already continued for several years and valuations are high in several sectors. I believe that there may be downward price movements this year, either a correction or even a bear market.
The opening post expressed a wish that people with over 30% stock allocation wouldn’t come to troll this thread 
In that sense, this topic is indeed classic stuff, as the Helsinki Stock Exchange has risen over 50% since the thread was started less than a year ago. Timing is hard.
Timing the market can be made much easier by minimizing moves during market volatility. For me, it was certain that even in the midst of the tariff madness, there was no need to change plans, and it worked out well once again—a brief dip paved the way for a nice bounce.
My cash allocation has largely stayed between 1-5% throughout my investing career, as I only make small periodic additions. Now, however, I’ve started increasing the cash weight to get it permanently above 5%, but this will take years through micro-saving. I wouldn’t know how to chase the right timing by trading back and forth, buying and selling, so the only sensible way has been to stay in the market without changing anything, which I’ve found to be a perfectly functional solution.
I tip my hat to those who succeed in timing their buys and sells with large cash reserves!
April is approaching again, and with it the annual crisis (clearly), so what are my esteemed colleagues’ thoughts? 
Have others already reduced positions, considered reducing them, built up a war chest, or are already returning to the market from cash?
For a couple of weeks now, I’ve been wondering how the markets are thriving while the war is clearly continuing, even escalating. I’ve critically reviewed my portfolio but haven’t made any major moves. SES changed to Panoro (Eutelsat is enough on the European satellite business side), but that’s about it.
There’s no crystal ball, but the risks are clear if the Middle East largely drops out of the game for a long time regarding oil production. Trump will in any case attack Europe (at least verbally) as he looks for someone else to blame and is unlikely to act rationally.
On the other hand, can a positive story be built for this year even if the Middle East crisis ends this month? What train could the markets take to rush to all-time high levels?
Lately, things have been so wild that it might be wise to lighten up gradually. The risks in the US are clear for everyone to see, and European stocks have already risen significantly. It’s hard to find good buying opportunities, so why go all-in on stocks? At the same time, investors’ cash holdings worldwide are at a record low. Now, on top of that, there’s a war that could lead to an energy crisis. It’s better to gradually realize small profits and move saved money into short-term interest accounts or other highly liquid assets. I’m trolling here with a moderate investment portfolio having a 25% cash position, gradually moving upwards.