The world’s largest sovereign wealth (Norway) believes in relatively efficient markets and follows a passive approach with a 70:30 stock:bond index and little deviations.
The demand for real assets, especially real estate, is enormous in Europe. Unless interest rates rise sharply or the economy slows down, this situation does not seem to be easing.
Obtain competitive mortgage offers from banks, insurances and intermediaries: The huge savings obtained will by far justify the few laborious hours spent.
Online banking start-ups (neobanks) provide generally cheap offerings, but due to the high mortality rate of such ventures, you should select a solid player if you plan to entrust them significant funds for an extended period of time.
For foreign transactions, Revolut seems to be unbeatable now with its credit card allowing purchases in many currencies. For online basic services in Switzerland, Zak and Neon are competing for the top spot thanks to their free basic package and the backbone of a banking license from their partner.
A careful assessment of our relationship with money can have a lasting positive impact on our lives, but should not be an obsession. Here is the questionnaire for your self-reflection.
The Canadian investment model advocates internalized wealth management and assets hedging liability and inflation (such commodity producer stocks, real estate, and infrastructure).
It is now possible to everyone to access cost-effective instruments under a passive and diversified approach, such as ETFs and a cost-effective broker.
High valuations make it improbable to repeat the recent high returns in stocks and bonds and investors need to manage their return expectations accordingly.
You have no influence on the macro-variables such as interest rates, inflation and the currency exchanges, but you can control a limited number of elements.