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Invest the money from the #simplechallenge in ETFs.

Well I was super active with the #simplechallenge myself. Not! The past week I was mostly sick in bed in between work. The idea was to go to the market instead of the supermarket, to do a peeling at home instead of the salon and to have a game night instead of going out. Things like that. Read more inspiration for free things to do here. Hopefully you did a better job! I will of course show you how you can buy an ETF from your saved money and which ETFs to buy.

By doing little besides sleeping and working, I haven’t spent much and I’m going to put the money saved in an investor account. Before starting the #simplechallenge, the plan was to open a new investor account. However, I have done some research and comparisons of different brokers. Every time I end up on DeGiro as the cheapest broker. That’s why I decided to show how to buy an ETF from DeGiro. This is not a sponsored post, DeGiro is simply the cheapest. I’ll take you through the proces of buying an ETF step by step.

Do you want to know more about starting to invest? First read step 1 and step 2.

Create an account.

Go to the website of the broker where you want to invest. Create an account. You can do this yourself, the websites always take you step by step through the process.

put money on your account
Transfer money

Transfer money to our account.

Now I log on to DeGiro website. At the top right, I click on money entry and exit. This screen appears. I choose 50 euros and then I just get the same screen from the bank via iDeal as when I buy something on a webshop or when I order food. When I have finished paying, the money is in my free space.

Choose which ETFs to buy

In the post about the degiro free selection I will discuss a number of options. I choose the VWCE (Vanguard FTSE All-World UCITS ETF USD Acc, ISIN: IE00BK5BQT80) from the free selection. Once per calendar month you can invest in ETFs from the free selection without transaction costs. The advantage over the VWRL (Vanguard FTSE All-World UCITS ETF USD Dis, ISIN: IE00B3RBWM25) which I always bought before, is that with the VWCE the dividend that the underlying companies pay out is immediately, automatically reinvested. At VWRL you have to do that yourself.

At the time of writing, the exchange rate of VWCE stands at just over 90 euros. There is still 47 euros in my free space. That’s because you buy per entire ETF, so if I transfer 100 euros to my investor account, for example, and an ETF costs 90, then 10 is left in the free space. A share dividend was recently added. That is why I now deposit 50 euros. Then I can buy a whole ETF from VWCE.


Buying an ETF

Now I search VWCE and choose where it says XET. This is the Xtera fair. Here this ETF is in the core selection and not via the other exchange (Milan).

At the limit I enter 90.35 (current bid price) and at amount 1. The total amount is entered automatically. I finalize the order and click confirm. Now the order has been placed and if someone offers the ETF at this price, the purchase will be made.

It’s that simple. Now I have invested in an ETF with no fewer than 3,550 different companies. Talk about a solid spread!

How much have you saved this week (or month)? Where did you put your saved money into? Let me know! I like to hear from you!

Until next time!


How to get rich with compound interest

I want to help you save 25 euros this week because it can yield 65,000 after 20 years with compound interest! Who would not want that!

Compound interest is the 8th world wonder.

This week I invite you to do a challenge with me. I want to help you with saving and investing the first 25 euros (or more!) and grow your money tree. Do this every week and you will have saved up a wonderful pot of freedom in 20 years. You deserve it! Join the hashtag #simplechallenge and tag me in your post! @simplewithmoney on instagram.

Compound interest

Earlier I wrote about the 8th wonder of the world as Albert Einstein described it. Whether he really said this or not is unclear. That it’s true is certain! If you understand how compound interest works, then you will benefit from it. If you don’t understand it, you pay for it.

Today we are going to calculate with interest. “Ewww, numbers,  I really don’t like that. So difficult! “

Okay, I get it. Still, I ask you to calculate with me. If you invest in a well-spread indexfund, the average return over 20 years is around 8% per year. If you invest 1 euro now, it is worth about € 4.65 in 20 years with 8% growth per year. That doesn’t sound very impressive.

Invest 100 euros.

If you are going to invest 100 euros now, it will be worth 466 euros in 20 years’ time. That sounds like more fun, but it doesn’t make you rich.

1 euro investment
100 euro investment
1200 euro investment

If you invest 100 euros every month this year, that will probably be worth more than € 5500 in 20 years. Sounds better allready. Your investment has then been doubled more than 4.5 times!

I want to challenge you to do this. Deposit 100 euros every month. And if you can do that for a year, just go on and do it for 20 years in a row!

Invest 100 euros every month for the next 20 years gives you a possible return of 65,000 euros!!! You have then deposited 24,000 euros. The profit is therefore € 65,000- € 24,000 = € 41,000. You didn’t have to do anything for that, except put in 100 euros every month. Add another 10 years to this and with an average return of 8% per year you suddenly have doubled, around €159,000 in your investor account! Mindblowing!

24.000 euro investment.

Now you know how compound interest works and you can benefit from it for the rest of your life. This works the other way around as well. If you have a mortgage with 8% interest, you pay compound interest on it too! Let that sink in for a moment.

Hardcore investers

For the high flyers, I will put an example below under what happens if you save 500 per month for 20 years. I also realize that for many normal people with normal incomes this is not possible to set aside 500 euros every month. It may succeed in a season in your life, but with a family expansion, divorce, renovation or loss of income / job, it may not be very realistic to set aside 500 every month for 20 years. I encourage you to live frugally and below your means and if you have a nice salary or team up with your partner to cut living costs in half, you can certainly get very far! And of course keep reading this blog 😉 Therefore, here is the calculation to motivate you.

120.000 euro invested

Join me on this challenge! Take a picture of what you saved with the #simplechallenge and tag me @simplewithmoney.

At the end of the week we are going to deposit the 25 euros in an indexfund.

Until next time!


I am not a Financial advisor nor am I your financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

Dear diary – What i did in april

April 2021

This april i was walking to some pigs, I stared out the window sad because of the bad weather. Also I maximized the sunny times in the garden and I read and listened to some books. Oh and monopoly..!

A fun game of monopoly 🙂


The intelligent investor by Benjamin Graham.

The original is from 1949. Super old! It is still considered a classic for investing. I listened to the 1973 version which is the last revision he made before he passed away.

The lessons I learned: Be patient, form your own opinion and do your own research. Learn new stuff and keep your emotions under control. Don’t invest for the short term, do it for the long term.

Choose a risk profile that suits you. If you decide to be an active investor, be prepared to spend a lot of time investigating companies and the market. With passive investing not so much. Passive investing is known for being less risky. Chances of a super high yield are small but so are the changes of losing a lot. About 50% in bonds an 50% in individual stocks is a good portfolio. When you decide to invest passively it makes sense to dollar cost average your money. Meaning you buy for the same amount of money every month, quarter or year no matter the price. You will buy the stocks for the average price.

Random pig on a random walk. Hi!

Human kind, a hopefully history.

In this book Rutger Bregman debunks a lot of presumed things. Civilization is generally thought to be paper thin. Humans have a layer of civilization, but as soon as you disrupt public order, we all become aggressive savages. Bregman shows that science is pointing in the other direction. It is in our nature to help each other and to want to do the right thing. He cites many examples. Soldiers on the front line either do not fire at all or intentionally miss while under attack. They even become friends with the enemy. In natural disasters people help each other. Many people who have lost everything in a natural disaster find the feeling of community and helping each other a fantastic feeling, which makes them feel less bad about the disaster. Everyone is helping each other!

Similarly, Bregman highlights the Stanford experiment in which students are divided into two groups, guards and inmates. The guards become cruel and the prisoners humiliated in this famous experiment. This turns out to be a rather disturbed experiment in which the researcher has to constantly incite the guards to be mean. Actually, they prefer to sit and play cards with the “prisoners”. This is what happened in Norwegian prisons. The guards become friends with the prisoners and a community is formed. The chance of returning to prison is much smaller due to good guidance back into society. Prisoners always become someone’s neighbor when released. Then you better ensure that they are properly guided on their return.

We also all know the Easter Island story. A population of humans live on Easter Island. There are many trees. The islanders cut down all the trees to transport large statues of heads and because there are no trees after that, they all die. In fact, it turns out to have been a rat plague that made the trees disappear. It also turned out that the Easter Islanders were doing fine without trees. There was more room for agriculture and the Easter Islanders were well fed and had plenty of free time to linger.

What ultimately proved fatal is the large number of islanders who have been sold into slavery and the returning islanders have brought with them diseases that have caused the rest of the population to die. In short, the Easter Islanders weren’t selfish tree cutters who were destructive. It was the Western slave traders who threw a spanner in the works.

Bregman comes up with many, many anecdotes that prove that most people are good and that it is time for a more positive image of humanity. For the most part, the book leaves you feeling good about humanity. Although the feeling crept up to me he attracted the science that suited him and his story and left behind the science that didn’t. All in all a nice book to listen to. Inadvertently it gives me a brighter picture of humanity. I think I have to agree with Bregman that most people at least don’t mean it all that badly.

Blondjes beleggen beter (Blondes are better investors)

This book was written by Janneke Willemse. She shows various options such as active investing and passive. And what your exit strategy should be if you need the invested money again. Many others don’t show that side. She also explains in easy language how short works. Now I understand it much better! This is highly recommended. She also has a website. (in dutch)

Waarom vuilnismannen beter verdienen dan bankiers (Why garbage collectors earn more than bankers)

Rutger Bregman and Jesse Frederik write about the income inequality between different professions and how this is clearly disproportionate to professions of social importance.

When garbage collectors in New York went on strike for better pay, the city was a nasty letdown within 6 days. When bankers in Ireland went on strike for better wages (they froze all accounts and you couldn’t withdraw money anymore) the economy just moved on with alternative, self-printed money. The bar owner became the new banker and it took no less than 6 months before the banks reopened. Nothing really bad had happened in the meantime. This shows that some jobs such as garbage collector are of great social importance and others, such as banker less so. The income is not correctly distributed in that regard.

Philosophy for an incomparable life. (Filosofie voor een weergaloos leven)

Lammert Kamphuis writes a number of essays in themes to think about. For example, he sheds light on death from different sides and gives our society of numbers advantages and disadvantages. Life has no dress rehearsal. You only have one chance to get it right.


In Living without money I stated that I did not want to make any unnecessary expenses in April. Only the fixed costs and necessary things. I did that very well, if I say so myself. Besides the fixed costs and the groceries I hardly spent anything. Twice a present and some loose things such as a day cream and a garlic press that needed to be replaced. And an ice cream on King’s Day. Nothing to complain about!

In the garden

April does what he wants. Here in the Netherlands we all know this statement and this month we all know that it is correct. It was warm (very occasionally), it was cold (often and certainly at night). It was dry for a long time and then pouring rain and hail again. Oh well. In mid-April I put a lot of seeds in the ground and the first seedlings started to show up in a week or two.

The first plants of March are already starting to grow large. My beautiful Japanese cherry is at its best towards the end of April. I can really enjoy that! This year I am going to grow more flowers between the vegetables and the fruit. Earlier years I had nasturtiums and marigolds among the vegetables. This year, a whole arsenal will be added, such as climbing bindweed, amaranth, valerian and lavatera. I’m curious how it’s going to turn out and will keep you updated!

What did you do in April?

Until next time!


Don’t overthink it.

What is the fine line between Analysis Paralysis and Extinct by Instinct?

Analysis paralysis is when the fear of either making an error or forgoing a superior solution, outweighs the realistic expectation or potential value of success in a decision made in a timely manner. This imbalance results in suppressed decision-making in an unconscious effort to preserve existing options. Also known as overthinking.

This happens all the time with regards to investing. In the stock market it’s never the perfect time to step in or to get out. You will never be at the lowest to step in and never at the highest to get out. But as warren buffet says, time in the market beats timing the market. It is better to just begin before it is 100% right then to wait and miss out. Don’t be paralyzed by analysis.

On the other hand though… on the contrary is extinct by instinct. It means to make an incorrect decision in haste without detailed or with little analysis. Such decisions can be detrimental as much as the analysis paralysis. So, here’s a little advise. Only invest money you can afford to lose. Invest in stuff you know something about and are appropriate for your level of risk. If you have money left to invest, read up on what you want to invest in and go for it. Don’t overdo the research but don’t make rushed decisions. Never listen to a random guy on the internet. It’s weird how people blindly follow advice from an unprofessional internet stranger when it comes to investing but are not willing to listen to a financial advisor or make own decisions. (Hi, I’m an internet stranger as well, don’t take my advice too serious, make your own decisions 😉 )

Don’t fall for overcomplicated explanations. You don’t look dumb if you don’t invest in stuff you have little understanding of. If you understand what you are doing, the risk is so much lower and the chances of a high return of investment are increasing. So your best bet is to stay there. Expand your knowledge before expanding your investments into unknown territory.

Best of luck!



These days there is a lot of news about investing. Daytrading in particular is gaining popularity. Daytrading is buying and selling of stocks daily or multiple times a day. You try and time the market, buy low and sell higher later on. People who make a decent amount of money on this tell everybody that wants to hear. They make it sound so easy to make money that you feel like a fool for not doing it. In my opinion, even though the chances of high returns with daytrading, it is like gambling. There has been a lot in the news on cryptocurrency and GameStop stocks for example. A lot of people made great amounts of money and a lot of people lost great amounts of money. The winning and the losing are both part of the gambling. The higher the returns can be, the higher the risk. You hear nobody when they lose an embarrassing amount of money. People who lose a lot of money or that even went into debt for it have a higher change of getting anxiety and depression. We want to avoid all.

To be quite honest, I got on board too. On top of the hype I bought GameStop stocks and a couple of years ago I had some bitcoin and ethereum as well. The crypto doubled and then halved and I sold. When GameStop was all dropping it was not so exciting anymore. Then the whole controversy around the disabled buy button was big I just wanted to be out. I waited a couple of days until the numbers were a little less red and sold all. At a loss that is. Luckily for me I didn’t put a ton of money in and I didn’t sell my other investments for it. I played according to my own investment rules. I can only imagine having sleepless nights and anxiety if I put all my investments on it and lost it overnight. My hard-earned money evaporating over night because of an impulse I couldn’t resist. The horror!

On Reddit I read a good counter argument on why you should take more risk. If you have a lot of money, a 7% return is pretty good and you can be satisfied with it. But if you are left with pennies at the end of the month, 7% is not at all that much. It is more attractive to double your money overnight than to see it grow slowly. Good argument! Although I think if you don’t have spare money, it is even more important to be a bit more conservative. If you live frugal and have to work long and hard for your cash you really don’t want to lose.

Besides, research shows that people who have actively managed investments, get more or less the same returns as people who put it in a passive fund or ETF. An ETF is an Exchange Traded Fund or a basket full of stocks following a certain index. For example the S&P500. It contains stocks of the 500 best performing companies in the US measured on their market capitalization. The biggest companies have a bigger share than the smaller ones. If you put your money in the ETF of the S&P500, you are investing in 500 different companies at once. The combination of the good spread and therefore less risk, and the low fees because there is no middle manager trading your stocks, makes that ETFs almost always outperform the active managed funds. This is the path that takes longer and is less exciting than daytrading. In my opinion it is the right path.

Actively managed funds usually cost between 1-2% in managing funds. This price is fixed, even if the manager is doing worse than the index fund. Research shows it is nearly impossible to beat the market in the long run. And this is for people who studied to do this and who are doing this as their occupation. If you do it yourself, chances of outperforming the market is even harder.

Let’s make a calculation shall we. Ok, so you have 10.000 euros and you put them in an index fund and on average you get a 7% return. You leave them untouched for 30 years. Without putting even one euro extra in, after 30 years you will have 71.142,57 euro. With service fees of 0,1% for passive investments you have a return of 6,9% per year. After 30 years this is 69.239,42 euros. It’s a difference of 1906,15 or 2,67% and not 0,1%.

With the service fees of an active manager of 2% annually and an equal return of 7%, after 30 years you will have 41.161,36 euros. It’s a 29.981,21 euro difference or 42,14%!!! The costs that only seemed 2% per year are astronomically higher and the amount at the end is so much smaller.

I made a spreadsheet below.

So we calculated the difference between passive and active funds. I’m not doing the same for daytrading. It is unpredictable. You take a lot more risk when doing it, it will cost you more time and the transaction fees are higher than with passive trading. Hopefully you see the difference now between daytrading, active investing and passive investing.

Have you ever invested in cryptocurrency or index funds? Let me know in the comments!

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

Investment stategy

Before you start investing you want to have an investment strategy in place. Here is a suggestion.

Pay of any debt first. This does not include mortgage (most of the time) and might not include student loans. That is up to you. More on debt here.

After you have paid off all debt, save for an emergency fund and for foreseeable expenses. If you rent a place, probably 3 months’ worth of expenses is enough. If you own a property, you might want to consider four to six months. Account for family member that rely on you as well. So with children maybe keep a higher emergency fund as well. Foreseeable expenses include new (used) cars, constructions, holidays etcetera. Everything you foresee spending money on that is not a ‘normal’ expense.

Have that all in place? High Five! Only money that is left after that is money set for investing.

If you just start out investing you can split all investments in two main categories, offensive and defensive. Defensive are the lower risk investments that also have lower yields. This includes bonds, ETF Bonds, savings account, gold, checking account and cash. A defensive investment strategy might be 75% bonds and 25% stocks. Defensive investing knows less volatility and makes more sense if you invest short term. The change of losing money when you need to sell is smaller.

Offensive is everything with a bit more risk and also a bigger change of higher yields. Here there is more risk involving with changes of higher yields. You can lose more as well. In this category for me are ETFs in stocks. Some asset managers say ETFs are defensive. In the market crash of march 2020 almost all ETFs crashed hard. It was temporary but it showed they are volatile. Average returns are about 8%. That is why I think ETFs are offensive. Because of the volatility your ETFs can be worth (a lot) less then what you bought them for temporarily. Only invest for the long run to make up for the short term losses.

Very offensive individual stocks, shorts, cryptocurrency, speeders or sprinters. It’s more like gabling and less like investing. I call this ‘play money’. This is for the fast, high gains and not to ‘set and forget’. If you are willing to put a lot of risk and a lot of time in to investigate the market, you can have a high return but also a big loss.

A rule of thumb I heard of is your age in percentage of bonds and the rest in stocks. So if you are 30 years old you put 30% in defensive investments and 70% in offensive. When you are 60 years old, 60% defensive and 40% offensive. The older you get the more defensive you get. This is because when you reach the age of retirement you want to get your money (partially) out. If the market is volatile you risk a lower yield when you are still investing offensive when you are older.

For the sake of this article I calculated how much in my portfolio is defensive, offensive and ‘play money’.

Jackson and Vladimir don’t care. At all.

Turns out I have 27,5% in defensive, 70% in offensive and 2,5% in play money. For this rule I’m pretty fine but for me that is a bit too defensive. Especially considering I have an emergency fund in place. F I count my emergency fund as a defensive asset, the ratio will be 38% defensive, 60% offensive and 2% play money. I will rebalance until it looks more like 10% defensive, 87,5% offensive and 2,5% play money. Rebalancing is balancing back the assets until you reach the strategy you choose for is restored. This rebalancing can be done different ways. I can sell some bonds and buy stocks until I reach the desired ratio or I put the next few months in stocks until I reach it. I’ll do the latter.

What’s your investment strategy?

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

Start investing, step 2.

What do you want to invest in.

Investing is done on the stock exchange. It’s a place where shares and stocks are being bought and sold. There are different stock exchanges, for example London stock exchange or Nasdaq. This used to be a place where suit and tie guys were screaming, selling and buying from each other. Now it is all electronic. You can’t go there directly, you need a broker or a bank to give access to buy or sell stocks. There are a lot of different brokers. They all look quite alike but there are some differences. Most important are the transaction fees and service fees. This varies quite a bit. Best is to choose one that has low fees or no fees. Also there is a difference in user experience and customer service. Most are just fine. My platform of choice is DeGiro. They are low fee and once per month I can even put money in selected index funds without any fees in the ‘kernselectie’.  

Other brokers for example are eToro, Binckbank, Lynx, Plus500, Bux, Trading212 and Meesman. There are many more.

So you selected a broker to start investing. Now you can choose different products. Here I will cover stocks, bonds and ETFs.

If you buy a stock, you own a little piece of a particular company. If dividends are paid, they get paid to you monthly, quarterly or yearly. So you earn by keeping the stock. Also the stock can go up or down so you make a profit or a loss if you sell the stock.

Bonds are a loan to the government or a company. They borrow money and return it at the end of the duration. On top they pay you interest. Mostly bonds are less volatile, a more stable way of investing. Downside is that the yields are generally lower compared to stocks. This is a stable part of your investment portfolio.

ETF or exchange traded fund is a basket of stocks that follow a certain index. Usually this is widespread with hundreds or thousands of different stocks. If you buy an ETF you buy a piece of all the stocks or bonds in that index. Your return is the same as the index in total and you don’t need to buy all the individual stocks. This saves a lot of transaction fees and you can start with a smaller budget. Because ETFs spread over so many stocks, if one company doesn’t make a profit, another will make up for it. Also ETFs are passively managed because they simply follow the market. This results in lower fees then actively managed funds (investment funds).

So how do I buy all of them stocks?

If you want to buy (or sell) a stock or bond or ETF, you place an order. This is you saying you want to buy a certain amount of stocks for a certain price. Of your order has been executed, you bought a stock.

An example. I want to buy Vanguard FTSE All-World UCITS ETF at DeGiro. First I have to sign up at DeGiro. When I have a working account I deposit the money I want to invest from a checking account. In the search bar I type vanguard. It looks like this.

I choose the first one because it is in the kernselectie and I can buy it without transaction fees once per month.

The green K is for buy. Click.

Now you will see the following (but with other figures).

On top there is the title of the ETF. Then it says the abbreviation VWRL, et cetera.

Below is the current price. R is for realtime price.

The bid and let.

The bid is the highest price a buyer is willing to buy the share for.

The selling price is called the ask price or let (here laat). This is the lowest price a seller wants per share.

There is space in between, you call this the spread. In this example the spread is 2 cents. That is the space between the highest bidder and the lowest seller. When the market is open, this changes every few seconds.

Then it says buy in the green (koop) and sell in the red (verkoop).

Next to it is dayorder. You can choose day order or a continuous order.  When you set a limit for that day (day order) and the transaction is not made, the order will disappear. If you choose continuous order, the order will stay.

Below that is limit order on the pulldown menu.

There are different types of orders. We will briefly review them.

Limit order. This is the most common. You want to buy a certain amount of stocks for a certain price. When the price of the stock is equal to the price you put in the order, the stock will be sold to you. When the price is not reached, the deal is off. The closer your price is to the price of the stock, the higher the change your order will be executed.

Market order. With a market order you buy for the best market price on the moment of the transaction. So you only put the amount of stocks in your order, not the price you want to pay for it. Only do this when the stock exchange is open. This way you will buy around the price of the stock. A lot can happen to the price when the exchange is closed and you might pay a lot more if the value has gone up.

Stoploss order. A stoploss order is ment to protect you from big losses. If the stock you own falls below a certain price, you can use a stop-loss order to set the stock to be sold at the set price. If the stock exchange is closed and the price falls below the set stop loss, the share will be sold at the then current price. To prevent this, a stop limit order can be set. This indicates that your share cannot be sold for less than the set price.

So if you want to buy the share keep it on limit order, at limit put the same amount as the let. At amount type in the amount you want to buy. In this example two. Right of the amount (in this example two) the total price is filled in automatically.

It should look something like this.

Click place order and your first purchase is a fact. You are now an investor in more than 6000 companies!

Happy investing!


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

Start investing, step 1.

Before starting investing you have to be clear on why, how and how long you want to invest. Do you want to spend hours a week watching the news and trends, do you want to actively trade or do you want to set and forget? Put everything in at once or rather invest some every month?

How will you react when there is a recession or a crisis? Will you panic? Will you sell everything at the lowest point out of panic and buy back when it is higher? You have to be clear on that. It makes all the difference.

What can I say, I can put a picture of Wallstreet or whatever here but look at him! It’s Vladimir but two years ago!

Why do you want to invest? Some answers here could be: For my (early) retirement, for my kids, for rainy days, buying a house etcetera. Get really clear on why you want to invest. This way you have more focus on actually doing it. For me the answer is to save up for early retirement and to buy a homestead just outside the city.

How long do you want to invest? Don’t invest money you need soon. Only invest with money you don’t need. Yes I say that double because it is important. There will be times when the market goes up for a couple of years in a row but there will always be crisis waiting. We just don’t know when. If you need your investments when the market is very low, you have to sell when you are in loss. That would be sad and is not the point. Wait the crisis out. As long as you stay in the market your assets will go up again. Sometimes you have to sit it out a couple of years. Investing is for the long run. In 10, 15 or 20 years you will always be at a win if you invest in Exchange Traded Funds (ETFs). More on that later.

‘Compound interest is the eight wonder of the world. He who understands it, earns it… He who doesn’t, pays it.’

Albert Einstein

How much time do you want to spend investigating the market? This is a very personal thing. You can be an active trader. Beating the market would be cool and if you look at some forums it is achievable. It is persuasive but remember: people tell everybody about their wins but rarely about the losses. If you want to be an active trader, make sure to watch the world news, watch the different companies and read a lot of books about the topic. If you invest in companies, you have to get to know the company very well. Have an opinion and be prepared to win more than average, but at a greater risk to lose more than average as well. Active trading is time consuming.

Another option is to ‘set and forget’. Meaning you will put money in an index fund regularly (every month for example) and not look to time the market. I choose ETFs (index funds) with low fees and wide coverage of the market and I know my assets will go up with the market at the same pace (or down). This requires a lot less time, effort and knowledge. Average returns will be between 5-8% annually. This will vary every year but talking about the long run. 

Do you put your money in all at once or over time? For me I do it over time. Every month I put what I have left in an index fund. I try and make that the same amount every month. This way I don’t need to time the market (although I try and look for the lowest point in that month). Remember: Time in the market beats timing the market. The earlier you are in, the better the results will be over time. Compound interest is real and you should let it work in your favor. Maybe if you inherited or otherwise found a large sum of money you would like to invest, you could do it at once but most people don’t regularly find themselves in that situation so we will go with every month.

Panic selling at a loss? If you panic sell because the digit turned red for you, maybe investing isn’t for you. The market is volatile, meaning it is going up and down all the time. You have to get used to it if you want to be an investor. This is why it is so important to only invest money you don’t need in the short term. If you need the money in the short term to pay bills and the numbers are down, you will panic. That is normal. We are investors because we don’t want to live paycheck to paycheck and we want to not worry about money anymore. We want to sleep safe and sound, doesn’t matter what the market is up to.

Conclusion: We want to invest for the future. This is personal but we all have dreams don’t we? So we invest for the long run and we don’t want to be on top of the economic news 24/7. Just set and forget. Ideal is putting money in every month and hold. That is what I will focus on here.  

Till Next Time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

How can I buy Gamestop GME outside of the US.


If you are interested in stocks or finances or if you read the news, you probably heard about Gamestop. I bought GameStop, BlackBerry and AMC Entertainment Holdings stocks. Here is how:


I allready have an account at DeGiro. It’s a low fee broker. The individual stocks require another knowledge test, and i had to take it before i was able to buy the stocks.

After succesfully taking the test, I’m ready. Buying it works the same as buying any other stock or EFT in DeGiro. And it is not blocked.

Open to the following countries:

·  Austria

·  Belgium

·  Czech Republic

·  Denmark

·  Finland

·  France

·  Germany

·  Greece

·  Hungary

·  Ireland

·  Italy

·  Netherlands

·  Norway

·  Poland

·  Portugal

·  Spain

·  Sweden

·  Switzerland

·  United Kingdom


To difersify I also made an account at TradeZero. This can be done worlswide. It took some time but it’s easy to follow the steps. Also the 24/7 chat function works pretty good! I had some trouble transferring money to my account and asked the chat for help. After a little while (They are probably very busy with all the new accounts opening) a real live person was helping me out.

Transferring from the EU to US takes up to 3 days, i will keep you updated when I am able to buy the stocks.


Here is something i like you to think about: Don’t ever NEVER EVER invest money that you don’t have or that you need in the near future. You might lose all or parts of your investments. Invest only in things you are well informed about.

Here is a suggestion on what to do with your money:

Money you need in the next month –> Checking account

Emergency fund of about 3-6 months of expenses –> Savings account

Money you expect to need in the next year or so (i.a. car, holiday, home improvement) –> Savings account

Everything that is left over and you don’t need in the foreseeable future –> Invest it!

80% in large cap indexfunds

10% in bonds or other more conservative ways of investing

10% to play aroound with (crypto/Gamestop/other high speculative things)

Good luck investing!!

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

The 4% rule for financial independence

Do you dream of financial independence? You can achieve it!

Have you ever heard of the FIRE Movement? It started in the USA and is now making its way to Europe. FIRE stands for Financially independent, retire early. People of the FIRE movement work/hustle to earn as much money as they can. They are frugal and spend as little as possible and invest the surplus. This way they can live off of their investments in the future without needing to work. Sounds impossible? It’s really not!


Playing with fire

Return of investment

If you put your money in low-fee investments, the average annual return is about 7-8% a year. Now of course this is on average. Some years it is less and some years it is more. In the FIRE movement the general rule is as follows: If you invest your money and on average you gain 7-8% in returns when you retire you take out of your investments 4% per year. This way you will never run out of money and even account for inflation (your money will grow).

So if you need let’s say 40.000 euro per year, you will need 40.000*25=1.000.000.

(4% of 1 million is 40.000)

One million! That is hard to save up before your actual retirement. This ofcourse depends on what you make and where you live.

But! There is a but! If you happen to only need 20.000 per year, you will need ‘just’ 500.000.

If you need less every month…

I can only speak for myself of course but if I pay of my house entirely, I can almost cut that in half again to live off of. Now i ‘only’ need 250.000. Especially since when I an not working for a boss anymore there is more time for home cooked meals, insourcing, repairing things myself and there is less of the fancy clothes bought just of wearing at the office, less fancy car and less gas because I don’t have to commute every day and I could go on.

free time

All the time in the world to cuddle this cutie pie!

Track your expenses

So I have tracked my expenses to the euro for the past 8(!) years already and I know how much I spent in any given month. So after I pay for the mortgage I usually spend between 600 and 1600 per month on groceries, internet, electricity and everything else combined. That to me is a pretty wide range still, but it’s something I can work with. If I pay off my house in full I will need somewhere between 800-1500 per month to live off.

If I want to retire early I will need:

800 per month = 9600 per year * 25 = 240.000

1500 per month = 18.000 per year * 25 =450.000

Hypothetically I start off with zero, and save 100 per month and have 8% per year return. How long do I need to work to retire?

With 240,000 euro’s I will need to work for 36 years to have saved enough for financial independence. With 450,000 euro’s I will need to work for 45 years to have saved enough to retire. That is 9 years longer!

Now let’s do the same but we save 500 per month starting at zero. With 240,000 euro’s I will need to work 18 years to have saved enough and withfor financial independence 450.000 about 25 years. Sounds a lot better already. And how about 1000 euro’s saved per month? Well 240.000 I need 12 years of work and 450,000 just 17,5 years.

So a person that starts at 20 years old can really retire in their early 30’s if they just live frugal and manage to save a lot. It can be done people! Also if you feel like working ans hustling for 15-25 years straight to then finally do what you love is not what you want? You can do a semi-retirement way before this and work part time and save just a little to non and make your savings more by investing.

What is important to you

Also if you feel like living frugal is not worth it? I really want you to think about what is important in live. Is it to impress people, is it to go to work every day for 45 years straight? Is it to raise your own kids and have some time for your hobbies, is it maybe some fast and expensive car to impress the ladies? Think about it and let the path to financial independence be your own path and not something somebody else expects you to do. Be clear on what makes you happy, what are your goals in life and what you want out of it. Take control of it yourself!

Happy Saving!


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.