In the past my index portfolio consisted of both stock and bond ETFs. I used to follow the age – 10 rule for the bond part. So at 25, I would have 15% of my portfolio in bonds and 85% in stocks. However, I decided to remove bonds from my portfolio entirely. You can read my complete investor’s policy statement here.
This blog is about financial independence in Europe. What is financial independence and what does it mean to be on this path? In this post I will explore the basic concepts of FI.
A lot of people that just started investing their spare cash wonder how to make more out of their money. How they can make higher returns. I’m in that same categorie. But it really doesn’t matter that much what your returns are in the first year or two. It is way more important to focus all of your energy on just saving more. Here is why: