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Clear guides to understand compound interest and start investing well.
Subscribe via RSSSustainable indices: ESG, SRI and PAB
The acronyms are not interchangeable: between ESG Screened and SRI there is a chasm in what actually gets excluded. And cost varies by more than double.
Physical vs synthetic replication
Synthetic is not simply "riskier": on some indices it performs better for a very specific tax reason. And physical has its own small print.
Tracking difference vs tracking error
The TER tells you what you are charged. Tracking difference tells you what you actually lost against the index — and they are not the same number.
Should you hedge the currency?
The most repeated mistake: thinking you take currency risk by buying an ETF priced in dollars. You do not — and seeing why makes the whole decision clear.
What if your fund closes?
You do not lose the money: you get it back. The problem is different — a forced closure realises your gain and breaks the tax deferral you spent years building.
What is a benchmark index
An index is not a list of companies: it is a calculation rule. And which version of it your fund tracks changes the result more than you think.
What is a UCITS fund
UCITS is not a brand or a provider: it is the European framework that decides which funds you can buy and what protections come with them.
Investing €100 a month
€100 a month for 30 years at 6% is about €100,954, almost three times what you put in. Here are the full tables and what they leave out.
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