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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    1. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @marciplan

      Which parts would you like to know more about?

      1 reply 0 retweets 1 like
    2. Marciano‏ @marciplan 24 Dec 2019
      Replying to @thijsniks

      What I understand is that it’s better to bet on the market in total than on just a stock. I have no idea which of Vanguards offerings I would need to go with and what my means need to be

      1 reply 0 retweets 1 like
    3. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @marciplan

      Depends on your situation, but let’s assume you want extra income during your retirement. Key to a minimal effort investment strategy are diversification to reduce risk, low cost, and simplicity.

      1 reply 0 retweets 1 like
    4. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      If you start at age 30, you’ll want to save 20% of your pre-tax income. This number includes any employer funded plans and assumes you’ll also eventually receive some social security payments from the government. https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save …pic.twitter.com/Sa5rL6iAW8

      1 reply 0 retweets 1 like
    5. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      These savings alone are not enough, so you’ll need to invest it. Historically, stock has provided the highest average returns (~8% real return per year) https://www.frbsf.org/economic-research/files/wp2017-25.pdf …pic.twitter.com/BLiGSxiusf

      1 reply 0 retweets 1 like
    6. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      You’ll need to decide which stock index (or region) to buy: United States https://global.vanguard.com/portal/instl/nl/en/product.html#/fundDetail/etf/portId=9694/assetCode=equity/?overview … Europe https://global.vanguard.com/portal/instl/nl/en/product.html#/fundDetail/etf/portId=9681/assetCode=equity/?overview … Developed markets https://global.vanguard.com/portal/instl/nl/en/product.html#/fundDetail/etf/portId=9675/assetCode=equity/?overview … World https://global.vanguard.com/portal/instl/nl/en/product.html#/fundDetail/etf/portId=9679/assetCode=equity/?overview … More countries = more diversification

      1 reply 0 retweets 3 likes
    7. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      Personally, I invest in the global fund as it’s in my opinion hard to estimate which region will perform best over the next 40 years

      1 reply 0 retweets 0 likes
    8. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      Stock does come with considerable volatility, so you will want to reduce that by buying bonds instead as you get older. Vanguard has reasonable transition paths: https://investor.vanguard.com/mutual-funds/target-retirement/#/mini/overview/1487 …pic.twitter.com/YzFUsr8cFb

      1 reply 0 retweets 2 likes
    9. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      A broad bond fund is probably your best bet for that: https://global.vanguard.com/portal/instl/nl/en/product.html#/fundDetail/etf/portId=9443/assetCode=bond/?overview …

      1 reply 0 retweets 1 like
    10. Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      And you buy these funds through a DeGiro custody account, which unfortunately does mean that you’ll need to set a monthly reminder for that.

      1 reply 0 retweets 0 likes
      Thijs Niks‏ @thijsniks 24 Dec 2019
      Replying to @thijsniks @marciplan

      That’s pretty much it

      10:30 PM - 24 Dec 2019
      • 1 Like
      • Marciano
      2 replies 0 retweets 1 like
        1. Thijs Niks‏ @thijsniks 25 Dec 2019
          Replying to @thijsniks @marciplan

          (All of this would be even simpler if Vanguard made its Target Funds available as European ETFs)

          0 replies 0 retweets 1 like
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        2. Marciano‏ @marciplan 25 Dec 2019
          Replying to @thijsniks

          So, my interest is not so much in retirement, rather just wanting to put money to better use right now than saving it on the bank. Are there short-term investments like these, that I could take out in, say, 5 years?

          1 reply 0 retweets 0 likes
        3. Marciano‏ @marciplan 25 Dec 2019
          Replying to @marciplan @thijsniks

          (Also, I’m far from well-off, so it wouldn’t be much to put away monthly to begin with)

          1 reply 0 retweets 0 likes
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