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.

Main stock indexes:

• MSCI World, it is a global stock market established by MSCI, https://en.wikipedia.org/wiki/MSCI_World
• FTSE developped Europe, it is part of FTSE Europe, https://en.wikipedia.org/wiki/FTSE_Developed_Europe_Index

Main indexers:

• MSCI
• S&P Dow Jones Indices
• FTSE/Russel
• CRSP

ETF for Europeans [Halam]:

• iShares MSCI Europe (SMEA).
  • This ETF reinvists dividends.
  • https://www.ishares.com/uk/individual/en/products/251861/ishares-msci-europe-ucits-etf-acc-fund?switchLocale=y&siteEntryPassthrough=true

• iShares core MSCI World ETF (SWDA).
  • https://www.ishares.com/uk/individual/en/products/251882/ishares-msci-world-ucits-etf-acc-fund
  • 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

SRI equivalent:

• iShares MSCI Europe SRI (accumulating) (IESE)
• iShares Dow Jones Global Sustainability Screened ETF (accumulating) (IGSG)

See also:

• Financial independence Groups
  • https://firebelgium.com/
  • https://www.meetup.com/topics/financial-independence/de/

ETF providers

Main ETF providers are Blackrock(iShares), Vanguard,Street State Global Advisors, Invesco and Schwab that control about 90% of the market.

Brokerage

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

Brokers in Belgium:

• ING
• DeGiro, https://www.degiro.fr/tarifs
  • De Giro, Grille Tarifaire, May 2023
  • De Giro, Économise sur les ETF les plus populaires, accessed on 7 June 2023

Compound interests

• https://www.bankrate.com/banking/savings/compound-savings-calculator/

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

ETF

• iShares Gold Trust, IAU, https://www.blackrock.com/ch/individual/en/products/261149/ishares-gold-ch-fund
  • Total expense ratio : 0.19%
• IShares Physical Gold SGLN, https://www.ishares.com/uk/individual/en/products/258441/ishares-physical-gold-etc-fund
  • Total expense ratio: 0,12%

• SPDR Gold Shares,https://www.ssga.com/us/en/intermediary/etfs/funds/spdr-gold-shares-gld
  • Gross expense ration: 0.14%

Other ETF on Gold:

• https://money.usnews.com/investing/funds/slideshows/best-gold-etfs-to-hedge-volatility

References

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