The S&P 500 had an approximate average annual return of 10% (before inflation) when measured from 1928-2016. This was the trigger that got me into index funds, the ability to put my savings to work for the long term, at low costs through a no non-sense approach supported by decades worth of data. It is […]
If you live outside of the USA, the world’s largest financial market, investing in a globally diversified portfolio means you are getting significant exposure to foreign currency, typically USD. This means that changes in exchange rates between currencies will affect your returns. Should you expose yourself to these risks? Should you buy ETFs hedged to […]
It is natural to feel overwhelmed by all the information when starting out. Specially when everybody recommends you to read 30 different things before even starting. One may get the impression that a Masters degree is a requirement to be able to grow your savings. There are many great books about personal finance and investing. […]
The majority of the books around personal finance, passive investing, index funds and ETFs have a US perspective. There is value in those books since the majority of their knowledge is generally applicable to European investors as well. Yet I wanted to point out a few things that (only/mostly) European investors in ETFs need to […]