I want to invest in the Vanguard FTSE Developed World UCITS ETF (TER 0.12% p.a.) and in the Vanguard FTSE Emerging Markets UCITS ETF (TER 0.22% p.a.). Which percentage should I allocate to each? This portfolio of Vanguard funds has a TER of 0.13% p.a.. It is currently the cheapest “All World“ portfolio using distributing UCITS funds. […]
I want to invest around 100€ per month and considering investing 80% in the iShares Core MSCI World ETF and 20% in the iShares MSCI Emerging Markets ETF. What do you think about it? If you portfolio is small, you should buy the fewest amount of funds possible. Minimum brokerage fees and the need to […]
Being a passive investor requires being mindful of costs. Due to compounding, seemingly small differences in costs can lead to large differences in returns over long periods of time. The Total Expense Ratio (TER) is only a fraction of the cost of owning an ETF. The Tracking Difference (TD) is a better indicator of the […]
I’ve changed my mind regarding European government bonds. Even though these bonds have negative yields and that isn’t great, I think they are still useful in a diversified portfolio. A high yield government-insured savings account can be an alternative, but it does not have some qualities unique to bonds. Currently my standard suggestion for Fixed […]
The Vanguard FTSE All World ETF (Accumulating, ISIN IE00BK5BQT80) and the SPDR MSCI World (Accumulating, ISIN IE00BFY0GT14) are fairly recent funds which are suitable for the simple portfolio. The Vanguard fund exists since July 23rd 2019 and the SPDR fund exists since February 28th 2019. Should these funds be used instead of the current funds? […]
You can find a lot of information online about how to invest in index funds in general. An example of that is my “step by step guide to investing”. Yet, sometimes you need specific knowledge about aspects of investing in your own country. How should you go about finding that information? Successfully finding that information […]
Note: If you can understand Portuguese, I have written a version of this article in Portuguese. Index funds/Exchange Traded Funds (ETFs) are an excellent vehicle to grow your savings. They have better returns than most active investment funds. They have lower fees than active investment funds and private retirement saving funds (i.e. PPRs – Planos […]
Note: If you don’t understand Portuguese, I have written a version of this article in English. Os fundos de índice cotados na bolsa (ETFs – exchange traded funds) são um excelente veículo para crescer poupanças. Têm resultados financeiros superiores a muitos fundos de investimento tradicionais (i.e. fundos activamente geridos). Têm comissões de gestão inferiores a […]
You want to start investing. You hear index funds/ETFs are the proper way to do it. Yet after reading the news you learn that stock valuations are high, the bubble will burst, the economy is decelerating and a recession is coming. You feel like you don’t want to invest at a peak and then immediately […]
Over the long-term, currency hedging tends to make foreign bonds have similar returns to comparable domestic bonds. Given this, is it worth investing in currency hedged foreign bond ETFs? How does currency hedging actually work? The Portfolio I prefer includes two investments: An index fund tracking global equities. This fund should not be hedged. A […]