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Investment Portfolio Quick Start#

Best starting point is to read the Bogleheads® investing start-up kit for non-US investors article.

Basics#

Have 6 - 12 months of income as an emergency fund. 6 month for a very stable job (permanent government officials), 9 months (permanent contract) or 12 months (temporary contract, self-employed). Use a savings account covered by a deposit guarantee with an above average interest rate.

Define asset allocaton based on age. For example, age is 40 then 40% (your age) of your investible portfolio should be in low volatile investments and 60% (100 - your age) in more volatile investments.

Indicators and Market Timing#

Portfolio#

Belgium#

Emergency fund#

Low Volatility#

  • Because of the low interest rates and shitty taxes there is little benefit of not using a savings account
  • Argenta Life Plan Tak21
  • VDK Bank Safe Life Tak21
  • Credimo Credo21 Safe

High Volatility#

  • SPDR MSCI ACWI IMI UCITS ETF (ISIN: IE00B3YLTY66), Xetra ticker SPYI trading in EUR, Euronext Paris ticker IMIE trading in EUR, TER 0.17%, TOB 0.12%
  • Vanguard FTSE All-World UCITS ETF USD Acc (ISIN: IE00BK5BQT80), Deutsche Boerse ticker VWCE trading in EUR, TOB 1.32%
  • SPDR MSCI World UCITS ETF USD Acc (ISIN: IE00BFY0GT14), Euronext Amsterdam ticker SWRD trading in EUR
  • iShares Core MSCI World ETF USD Acc (ISIN: IE00B4L5Y983), Euronext Amsterdam ticker IWDA trading in EUR, Xetra ticker EUNL trading in EUR

Luxembourg#

Emergency fund#

Low Volatility#

  • iShares Global Aggregate Bd ETF EUR Hedged Acc (ISIN: IE00BDBRDM35), Xetra ticker EUNA trading in EUR
  • Vanguard Global Aggregate Bd ETF EUR Hedged Acc (ISIN: IE00BG47KH54), Xetra ticker VAGF trading in EUR

High Volatility#

  • SPDR MSCI ACWI IMI UCITS ETF (ISIN: IE00B3YLTY66), Xetra ticker SPYI trading in EUR, Euronext Paris ticker IMIE trading in EUR, TER 0.17%
  • Vanguard FTSE All-World UCITS ETF USD Acc (ISIN: IE00BK5BQT80), Deutsche Boerse ticker VWCE trading in EUR
  • SPDR MSCI World UCITS ETF USD Acc (ISIN: IE00BFY0GT14), Euronext Amsterdam ticker SWRD trading in EUR
  • iShares Core MSCI World ETF USD Acc (ISIN: IE00B4L5Y983), Euronext Amsterdam ticker IWDA trading in EUR, Xetra ticker EUNL trading in EUR