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Personal Investment

Emergency Fund – Do you Really Need One in 2021?

(Disclosure: Some of the links below may be affiliate links) If you are interested in personal finance, you probably have come across the concept of emergency funds. An emergency fund is simply some money available directly that you can use for emergencies. Most people will advise you to get such an account. And they will insist heavily on this subject. It is an interesting subject since not everybody agrees on the importance of the emergency fund. Some people have an emergency fund that...

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What makes U.S. ETFs so great?

(Disclosure: Some of the links below may be affiliate links) I mostly invest in U.S. ETFs, and I have recommended these ETFs many times on this blog. I consider U.S. ETFs to be the best available ETFs. I have talked a few times about what makes them great in various articles. But since I still get many questions, I will now go into all the details of these U.S. ETFs. I will not talk about Exchanged Traded Funds (ETFs) that invest in the United States. I am going to talk specifically about...

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How to manage your finances as a couple?

(Disclosure: Some of the links below may be affiliate links) Today’s post is a guest post by Yasi Zhang from Fast Track, talking about the very important subject of how to manage your finances as a couple. I am very happy to have her as a guest writer today. Money is a topic most people avoid talking about, so do newlywed couples. It is awkward to discuss money with your partner, but it is an essential exercise to do together as a couple because you are building a financial future...

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Investart Review 2021 – Pros and Cons

(Disclosure: Some of the links below may be affiliate links) Investart is a new online Robo-advisor service that lets you invest in Exchange Traded Funds (ETFs) for free! And not only that! They actually let you invest with custom strategies. So, you could use it either as a Robo-advisor or as a broker for ETFs! I only recently discovered this service. But it looks exciting. I even started investing some money myself. So, it is time I review Investart. In this article, I will review...

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Keeping It Simple – Book Review

(Disclosure: Some of the links below may be affiliate links) Last year, I reviewed Path To Independence, a book by Elias Noschis. The author recently wrote a new book, more practical, into investing: Keeping It Simple – How To Invest Efficiently. This book is about the most simple and efficient way to invest your money. By investing only in a few ETFs (ideally one), the author tells you that you can reap the stock market’s benefits. In this article, I will share my review of the book,...

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Your Marginal Tax Rate and all you need to know about it

(Disclosure: Some of the links below may be affiliate links) Your marginal tax rate is an important metric. But it is also a complex and misunderstood concept. Many beliefs about the marginal tax rates are wrong. So, in this article, I want to clear out as much as possible regarding the subject. By the end, you will know how to estimate your marginal tax rate and what it means. Marginal Tax Rate Let’s start at the beginning: what is a marginal tax rate? Your marginal tax rate is the rate...

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January 2021 – Starting the new year in force

(Disclosure: Some of the links below may be affiliate links) We are finally done with 2020! However, 2021 did not change much so far. We are still full in COVID-madness. However, one thing changed significantly. We are now living in our new house. And this changes things a lot for us! For the better! We have settled very well into our new house. And it is much better to have nothing to do in a great house than in a small apartment. Financially, it was also a good month! We had to buy a few...

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FlowBank Review 2021 – Pros and Cons

(Disclosure: Some of the links below may be affiliate links) FlowBank is a new Swiss digital bank that launched publicly late in 2020. Interestingly, they are not only a bank but also a full-fledged broker. This means you can have your money and your stocks at the same place. FlowBank presents itself as an innovative digital bank platform that would bring cheaper trading to Switzerland. On paper, it sounds exciting. So, let’s see how good it is in this in-depth review. FlowBank FlowBank...

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The Complete Guide to Asset Allocation

(Disclosure: Some of the links below may be affiliate links) Asset Allocation is a critical topic in investing. Your asset allocation will define the mix of asset classes in your investment portfolio. For most people, this is simply the question of how much stocks, bonds, and cash they need in their portfolio. Your asset allocation will determine your expected returns and your expected volatility. If you are willing to take on a lot of risks (volatility), you can expect higher returns....

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Our 2021 Goals – Let’s do even better!

(Disclosure: Some of the links below may be affiliate links) Each year, we set ourselves goals for the entire year. These goals are varied and cover different aspects of our lives. Many of them are financial since this is, after all, a financial blog. But we do have personal goals as well. Since we are now well inside January, it is time to set up our 2021 goals. In this post, I will go over our goals for the year 2021. Some of them are very similar to our 2020 goals, but we try to do...

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