My rule of thumb is up to 0.5% of the transaction amount in a given year, which roughly annualizes to 0.025% p.a.. Was this information useful? I don’t think so. Because I didn’t provide any context. The actual numbers I use are not as important as how I came up with them. In order to […]
Choosing between accumulating or distributing funds is among the first choices investors in Europe make. The appropriate option may reduce your (tax) costs and increase your returns. This post explains how to understand which dividend distribution policy leads to lower taxes using examples of specific countries. My previous post on the topic explains that the choice boils […]
My book is (finally) available. I began writing this book in late 2019. It is crazy how, in light of COVID-19, it feels like a decade has passed since then. I’m thrilled about this milestone. And I can’t wait to hear your thoughts about the book. To celebrate the launch, I am running a temporary […]
I am happy to share that my book launches in 7 days! At the end of this post, you can download the sample chapter of my book. There are fantastic investment materials out there. But the majority leans towards an audience that lives in the US. The start of our investment journey is more confusing […]
I published a video on how to backtest a portfolio. You can find more details about it below. First, I wanted to share some updates about the book: I finished writing it! I will release it soon. I am aiming for April. But first, I have to finish some of the extra content. Now, I am […]
I’ve been getting these questions a lot: What is your opinion about the recent market decline? Are you adapting your strategy to the new market reality? Are you investing in specific stocks or sector ETFs that are cheap? Are you buying the market dip? Is this the right moment to invest? My answer is: Nothing […]
Trading 212 is a popular “zero-fee” broker available to investors across Europe. This is an overview of what you should consider if you plan using it. I often see the following questions about any broker: “Is this broker good for long-term investing?” “Is this broker good for me?” “Can I trust this broker?” The answer […]
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 […]