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Replace BNDW with VAGF #346

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merged 5 commits into from
Jul 25, 2024
Merged

Replace BNDW with VAGF #346

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562419c
Replace BNDW with VAGF
zupo Jul 24, 2024
014e904
Replace VWRA with VWCE
zupo Jul 24, 2024
5e3481a
Add https://indexfundinvestor.eu/ to reading list
zupo Jul 24, 2024
81615cb
Update 5_People/personal-finances.md
zupo Jul 24, 2024
96b789f
Update personal-finances.md
zupo Jul 24, 2024
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9 changes: 5 additions & 4 deletions 5_People/personal-finances.md
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Expand Up @@ -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:

- VWRA for the global stock market (listed as VWCE in EUR)
- BNDW 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.

Expand All @@ -109,8 +109,9 @@ If you'd like to learn more about investing, [Ben Felix's YouTube channel](https
### TL;DR

- Open an Interactive Brokers account.
- For 70% of your portfolio, buy Vanguard's fund VWRA for the global stock market.
- For 30% of your portfolio, buy Vanguard's fund BNDW for the global bond market.
- For 70% of your portfolio, buy Vanguard's fund VWCE for the global stock market.
- For 30% of your portfolio, buy Vanguard's fund VAGF for the global bond market.
- Invest whenever your savings hit $5000.
- Buy and hold until retirement.
- If you have a house loan but want to invest, see [Ben Felix's video on the topic](https://www.youtube.com/watch?v=AKc01jo1qLw).
- Another great resource is https://indexfundinvestor.eu/.
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