Many people want to know whether they should rebalance their portfolios. This is an excellent question, and it becomes essential once in retirement.
Rebalancing is the fact of selling the shares that have overperformed and then buy the stocks that underperformed. The idea is to keep your portfolio allocation to the same level.
People disagree on whether you should rebalance in retirement or not. People do not even agree on that during the accumulation phase. So we will cover this subject as well.
And since I now have a lot of data about the stock market, I figured it would be great to use. So, I am also going to simulate whether it has historically been better to rebalance or not.
The data on this article is based on more than 3.2 million simulations of withdrawal rates! So, without further ado, let’s delve into rebalancing!
Continue reading “Should you rebalance your portfolio in retirement?”
Inyova is a Swiss Robo-Advisor that focuses on impact investing. You may know it under the name Yova that was its previous name until June 2021.
The main idea is to invest to make the world better. So not only will you get good returns for your investment, but your money will work to improve the world.
But how does Inyova compare with other Robo-Advisor, and how much does it cost? That is what we are going to find out in this complete Yova review.
Continue reading “Inyova Review 2021 (Was Yova) – Pros and Cons”
PostFinance is the bank of the Swiss Post. It is one of the largest banks in Switzerland. But is it any good?
I am going to answer this question in this article. I will look into the bank services of PostFinance in detail and see the advantages and disadvantages of this bank. They have changed many things recently with their banking packages and how they handle negative interest rates. All these changes will be included in my review.
By the end of the article, you will know whether you should use PostFinance or not.
Continue reading “PostFinance Bank Review 2021 – Pros & Cons”
I have already mentioned financial advisors on this blog and my dislike of them. But I have not yet delved into the subject. It is essential to realize the dangers of financial advisors.
Most financial advisors do not have your interest at heart, but theirs! This is the main issue with financial advisors. Most are biased. And this bias can cost you a lot of money in the long term.
And there are other issues with financial advisors as well. So, in this article, we are going to delve into the problems with financial advisors.
Continue reading “Financial advisors – Do not get ripped off”
You have probably heard of the 4% rule if you are interested in early retirement. This rule states that if you withdraw 4% of your portfolio every year, you can sustain your withdrawals for 30 years. But do you know where it comes from? If you have read a lot about it, you probably heard about the Trinity Study. This study is where it all started.
But do you know what the Trinity Study is? Probably not. A lot of things people are saying about the Trinity Study are not correct. A lot of people talking about this study have not even read the original paper.
There is nothing mystical about this study. It is merely a research paper by three professors of The Trinity University. Hence the name.
And do you know that it has nothing to do with early retirement? So, why is it the cornerstone of most Early Retirement articles?
Continue reading “All you need to know about the Trinity Study”
FlowBank is a new Swiss digital finance service that launched publicly late in 2020. They plan to have to be both a bank and also a full-fledged broker. So, you can have your money and your stocks at the same place.
FlowBank presents itself as an innovative digital bank platform that would bring cheaper trading to Switzerland. On paper, it sounds exciting. Currently, the investing features are ready, while the banking features are not yet all ready.
So, let’s see how good it is in this in-depth review.
Continue reading “FlowBank Review 2021 – Pros and Cons”
PostFinance is a well-known Swiss bank and broker. They are generally considered to be very affordable and very easy to use.
If you want a Swiss broker, should you use PostFinance as a Swiss investor, especially as a passive investor? This is what we are going to find out in this in-depth review.
In this article, we will see what PostFinance offers as a broker, how much it costs, and much more too. By the end of the review, you will know whether PostFinance is a good broker for your investing or not.
I am only going to talk about PostFinance as a broker, not as a bank.
Continue reading “PostFinance E-Trading Review 2021 – Pros and Cons”
PostFinance and Swissquote just started a new joint venture: The Yuh banking application. With Yuh, you can save money on your account, pay in Switzerland and abroad and invest in the stock market and cryptocurrencies.
Yuh is an entirely digital offer. They have no offices. You can manage all your money directly from your phone. So, you will pay your bills and invest your money on your smartphone.
So, should you use Yuh? What features does it have? And how much does Yuh cost? Let’s find out!
In this article, I will review Yuh in detail, its features, its fees, its advantages, and its disadvantages!
Continue reading “Yuh Review 2021: A new mobile banking service”
I have been using Interactive Brokers (IB) for several years. It took me a while to get used to this broker. However, I am now able to do all the operations I need easily. I will show you exactly how to buy an ETF from start to finish on IB, the easy way!
I have been contacted a few times by readers that were having a hard time starting with Interactive Brokers. This is indeed a little complicated at first, but it becomes very easy after you do it once. If you follow this guide, you will be able to buy ETFs from IB without any issue!
In this guide, you will see how you can buy an ETF directly from the account management interface. And we are also going to see how to deposit money on your account from this interface and even how to convert currencies if necessary. So, we will cover all the steps to make your first investment with Interactive Brokers!
By the end of the guide, you will know exactly how to buy ETFs on IB!
Continue reading “How to buy an ETF on Interactive Brokers the easy way”
Many people invest only in dividend-paying stocks. More specifically, they only invest in stocks that have a good history of paying dividends. This means that these stocks do not cut dividends.
They expect that investing in these stocks will yield more returns than invest in the broad stock market. Some people plan to retire entirely based on the dividends.
As a result, many people ask me why I do not invest in dividend stocks instead of investing in the broad market. The reason is that there are several problems with dividend investing. So I want to talk about these problems in detail in this article.
Continue reading “The 6 Biggest Problems with Dividend Investing”