Posts for tag #Basic
Returns for stocks and bonds
August 1, 2026
What are stocks and bonds actually expected to return, region by region? History favours the US for stocks; current valuations favour Europe for the next decade. Bonds show fewer differences: European yields have caught up to US yields, but Eurozone inflation eats more of that nominal return. Asia and emerging markets offer no reliable trend.
Some important loose ends
July 28, 2026
The series on building my retirement portfolio skips five things that matter just as much as the portfolio itself: taxes, what to leave behind, adapting the plan over time, an emergency fund, and knowing when to stop managing it yourself. The first one deserves the most attention.
Portfolio Setup Summary
July 10, 2026
A retirement portfolio for income, built step by step in 8 posts: how I set my objectives, screened and picked ETFs, assembled the complete portfolio, and now manage it. This is my real portfolio, not a theoretical exercise - I started converting a large part of my assets into this exact setup in summer 2026.
Dry powder: handle with care
June 12, 2026
Dry powder is the cash inside your portfolio that you hold back for rebalancing and withdrawals - not the same as an emergency fund, which exists purely for survival. Holding too much cash drags on returns, so I cap mine at 10% and only deploy it using fixed rules. That takes the emotion out of my actions.