Investment

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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.


ETF for Europeans:

  • iShares MSCI Europe (SMEA). This ETF reinvists dividends.
  • iShares core MSCI World ETF (SWDA). This ETF reinvists dividends.
  • Vanguard FTSE developped Europe (VEUR)
  • Vanguard S&P500 UICTS ETF (VUSA)
  • Vanguard FTSE emerging markets ETF (VFM)
  • Vanguard Euro Eurozone government bonds ETF (VETY)
  • iShares euro government bonds 1-3 years (CBE3)
  • iShares euro government bonds 3-7 years ETF(CBE7)

For a 60%-40% split between shares and bonds, possible combinations for shares are [Halam]

  • 20% iShares MSCI Europe, 40% iShares MSCI World ETF
  • 30% Vanguard FTSE developped Europe, 25% Vanguard S&P500 UICTS ETF and 5% Vanguard FTSE emerging markets ETF


Brokerage

Rule of 72


Advisors

ETF

See

Bank accounts in Belgium

Gold

General:


Physical gold:

Trackers for gold:

See also

References

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