Investment

Andrew Hallam gives the following advices for investment: [Halam]

• Start investing early
• Avoid wealth manager charging high fees. A 2% yearly management fees has dramatic effect over the long term
• Have a mix of bonds and index funds aka ETF. A rule of thumb for a balanced-risk portfolio is to have your age as percentage of bonds, and the rest in index fund. So for example, if you are fourty: invest 40% in bonds and 60% in stock exchange
• If possible, invest every month and allocate your money such that you keep the target percentage of bonds vs ETF (see above). This means when ETF are cheaper you buy more of them, and when they relatively expensive you buy more bonds.
• Rebalance only once per year.

Brokerage

• DBS Vickers Securities (Singapore), https://en.wikipedia.org/wiki/DBS_Bank
• Saxo Capital Markets
• Swissquote, https://en.wikipedia.org/wiki/Swissquote

Rule of 72

• http://www.moneychimp.com/features/rule72.htm

Advisors

• https://planvisionmn.com 239 USD. Recommended by Andrew Hallam Halam
  • See also: https://www.youtube.com/@PlanVision1
• https://www.ifa.com/
• https://buckinghamstrategicwealth.com/
• https://objectivefinancialpartners.com/ charges a fee for advise
• https://www.aesinternational.com/

ETF

See

• ETF
• https://en.wikipedia.org/wiki/Index_fund

Bank accounts in Belgium

• https://www.test-achats.be/argent/payer/calculateur/compte-a-vue?landingpage
• https://www.mes-finances.be/banque/

Gold

General:

• https://www.test-achats.be/invest/investir/or/news/2020/07/or-trackers-conservation
• https://www.goldavenue.com/fr/guide-metaux-precieux/guide-de-l-or-comment-investir-dans-l-or
• https://lecourrierdesstrateges.fr/2021/06/18/%F0%9F%8E%96comment-acheter-conserver-revendre-de-lor-aujourdhui/

Physical gold:

• https://transactionbourse.com/comment-stocker-de-lor-physique/
• https://achatorphysique.com/avis-courtier-goldbroker
• https://achatorphysique.com/avis-courtier-aucoffre

Trackers for gold:

• https://www.test-achats.be/invest/investir/or/news/2020/07/or-trackers-conservation

References

• [Halam] Andrew Hallam, Millionaire expat: how to build wealth living overseas, 2d edition, Wiley, 2018
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