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2Yr
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@Thamos and what do I use to represent Japan according to my "ideas" = overweighting? USA share is too high for me with MSCI World and All World. I also want to overweight Europe. Neither the "complexity" nor the transaction costs should be a big problem - in my opinion.
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2Yr
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@Thamos I don't think much of gold because it doesn't pay any interest and doesn't really "perform". I own real estate, but I haven't entered it on Getquin. However, the majority of my "assets" are tied up in companies that generate secure high returns (wind turbines). I use the current interest rate situation for overnight money and the attractive offers of up to 3.7%. I have used this several times until the upper limit of the deposit guarantee is reached (for tax provisions).
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2Yr
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@Thamos With bonds I find the yield not so insanely great. Similar to overnight money only less hedging and loss of value risk if you sell before maturity - at the same time with falling interest rates also appreciation opportunity... I think in the long term 100% equity ratio, some cash stock, real estate in the portfolio and participations are yield strong and well diversified.
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I fully agree with you, but if you don't want to put your SP on Japan or like many others on EM, but on Europe, the Eurostoxx 600 is also perfectly fine. But as I said, the rest is as you have already mentioned boldly, rather a not thought out savings 🙈