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asset allocation

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I hope you’re all safe and healthy and finding ways to stay positive and enjoy life while large parts of the world are currently in shutdown because of the coronavirus.

Please excuse me for posting the written article to last Sunday’s video with such a long delay. At least this post now contains more updates as a result.

A lot of you asked me how I feel about P2P lending right now and if I changed my strategy. So that’s exactly what I want to discuss today, in addition to how platforms and loan originators are responding to the crisis.

A lot of you have been asking me to show you how to get started with buying ETFs in Europe, so it was about time for me to address this topic in more detail.

Here are some of the things we’ll be talking about in this article:

  • We’ll start by looking at what ETFs are in the first place in case you have no idea and why I consider exchange traded funds to be an important part of my asset allocation.
  • Then, you’ll get a look into my brokerage accounts, something that I haven’t shared publicly before.
  • I’ll show you exactly how to buy your first ETF on Degiro, in my opinion the most cost-effective way to buy ETFs in Europe right now.
  • We’ll also take a look at the difference between distributing and accumulating ETFs, which might be relevant depending on the tax laws in your country and your personal preference.
  • And lastly, I’ll try to explain the differences between the two account types that Degiro offers when you sign up, to help you decide.

I recently met up again with my friend Bernhard Hummel, to discuss the changes he made to his investment portfolio. You may remember him from our last encounter in July.

Here are some of the things I wanted to know:

  • Why he recently increased his Peer to Peer Lending Portfolio allocation to a grand total of 230.000€
  • Which P2P platforms he added, if any
  • How much passive income he’s aiming for via P2P lending
  • What his entire investment portfolio looks like now
  • His thoughts on real-estate investing at the moment