From 96b789fcd6ff0c422f42cc6d7244817657c307a4 Mon Sep 17 00:00:00 2001 From: Neyts Zupan Date: Wed, 24 Jul 2024 19:10:57 +0100 Subject: [PATCH] Update personal-finances.md --- 5_People/personal-finances.md | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/5_People/personal-finances.md b/5_People/personal-finances.md index e5c09e0..44b0f5d 100644 --- a/5_People/personal-finances.md +++ b/5_People/personal-finances.md @@ -92,8 +92,8 @@ We'll be buying whole-market index funds for stocks and bonds. We're looking to invest in the lowest cost funds by a large and reputable fund. Niteo, Dejan, and Nejc all invest in [Vanguard's](https://en.wikipedia.org/wiki/The_Vanguard_Group) funds: -- VWCE for the global stock market (listed as VWCE in EUR) -- VAGF (EUR) or BNDW (USD) for the global bond market +- VWCE for the global stock market (VWRA for non-EU people) +- VAGF for the global bond market (BNDW for non-EU people) How should you split your portfolio between the two assets? The most popular split is 70% stocks and 30% bonds. If you're young and have the stomach for higher volatility (change in portfolio value), you can go higher with the stocks. When you're closer to retirement, you start adding more to bonds.