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
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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
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
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
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
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 …
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.
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?
(Also, I’m far from well-off, so it wouldn’t be much to put away monthly to begin with)
You shouldn’t invest for 5 years as the volatility risk is too high.
In general, retirement savings isn’t something you should wait with. The difference of 5 years is enormous. And it isn’t necessarily a question of affluence: Saving something is better than nothing
So, I don't care much for *retirement* savings. I do eventually want a house/family life (which is another 5+- years away) and that's what I want to save for (so, rather a short term). Does Vanguard have something that is a better option than just putting it on the bank?
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