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Agree, but avoid ETFs. Better to invest in stocks of solid companies and residential property.
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@Carpe-Diem What is the problem with ETFs according to you?
@RaphGM probably the question is that you don't control the ammount of bad apples on the basket, even though the diversification tends to reduce the risk
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@ElShib Easy to say but very difficult to do in practice.
The vast majority of investors including professional one don't beat the market.
Sometimes they do over the course of a couple of years but that's it.
And the one who can do it repeatedly over the long-term (>15 years) could be counted on the fingers of one hand eventually.
If you want performance over the long run, then the best and safest option is to simply own the market.
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@RaphGM try to follow, and you will get the full picture(information is public, but no one reads): Ca. 90% of ETFs sold in 2023 are from BlackRock & Vanguard. Those two own each other. BLK is related to US treasury and was born after the Hypothek crisis to manage the bad debt. Bad debts were given under management of BLK. ETFs consist only from 10 to 30% of AAA shares, the rest are unknown garbage and don't generate income. BLK has solid rights to change the composition of the ETF, lend the shares etc.
As ETFs are products of Hedge funds (crooks who committed several crises), so investing in crooks seems irrational to me.
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@Carpe-Diem well, a quick search on public information (Internet) shows that your first sentence about Backrock and Vanguard is false.
- Blackrock n°1 indeed represents about 7.2% in terms of AuM globally.
- Vanguard n°2 represents about 5.9% AuM globally.

We are far away from the 90% that you are claiming...

As for the rest, I am not into conspiracy theories sorry.
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@RaphGM fixed: ca. 90% of sold ETFs in 2023. are Hypothek and dot-com crises a conspiracy theory?
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@Carpe-Diem no, but the story around it that you depict is.
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