Hi again!
Quite a lot of investors start adding bonds much later in life about 15/10 years before retirement.
By the way as you are young, a market going down for a while is good for you, you buy stocks on sale!
CorrectRegarding bonds: They should be Euro-hedged (e.g., Global Aggregate Bond UCITS ETF - EUR Hedged Accumulating - VAGF) or directly denominated in Euro.
Correct!Regarding stocks: The currency (EUR vs USD) doesn't affect the value much; the main concern is just avoiding exchange rate fees. Also, it doesn't strictly matter if the ETF is global (e.g., FTSE All-World UCITS ETF - VWCE) or more US-centric (e.g., VUAA).
Frankly yes, 100% stock would be better (make sure you invest money you do not need and keep steady when markets go down).Strategy: Due to my age and in order to 'make up for lost time,' I should go with 100% stocks. Otherwise, the 80/20 split is the alternative."?
Quite a lot of investors start adding bonds much later in life about 15/10 years before retirement.
By the way as you are young, a market going down for a while is good for you, you buy stocks on sale!
Statistics: Posted by Keropok — Thu Dec 18, 2025 5:07 am — Replies 7 — Views 607