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.


Main stock indexes:

Main indexers:

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

ETF for Europeans [Halam]:

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:

ETF providers

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

Brokerage


Brokers in Belgium:

Compound interests

Rule of 72


Advisors

ETF

See

Bank accounts in Belgium

Gold

General:


Physical gold:


ETF

Other ETF on Gold:

See also

References

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