That seems like a very reasonable portfolio to me. Certainly ‘good enough’. One thing you have to keep in mind is that taxation of US-based etf’s can be very different from EU-based ETF’s, especially regarding withholding taxes and estate taxes. I didn’t want to worry about stuff like that so I deci...

My online savings account still has a positive yield: 0.35%.
All short-term euro treasuries have negative yields. The iShares 0-1y euro etf for example has a YTM of -0.5%.

So that’s a difference of almost 1 percent.

Small update on my EU-PP. Been invested in the PP for almost a year now and still very happy with it. Made two small changes: I've replaced Lyxor EuroMTS 15y+ (LYXF) with iShares € Govt Bond 20yr Target Duration (E20Y). E20Y uses higher quality bonds (No bonds from Spain/Italy) and has a higher dura...

It's a basic eurozone PP, with 4x25 eurozone stocks, eurozone bonds, eurozone cash and gold

I've got data going back to 2001. Most of my data are yearly index returns from MSCI and Barclays indices. I've used some data from the old Marc de Mesel website. The indices I've used are the MSCI Emu, Barclays Euro Government 15-30 and Barclays Euro Government 1-3. https://i.imgur.com/OWaBbd1.png

Pretty good indeed, thanks for sharing!

When I setup my PP I compared eurozone PP's with different stock indices over the same timeframe as you did.
Turned out it mattered very little whether you used the world index, the emu index or 50/50 world/emu. I'll try to find it and share it here.

I agree as well that only a US PP can really benefit from the USD-Gold relationship. However, gold is still a unique asset with very low correlation to other assets in any currency. It just doesn't offer the same protection as it does in a US PP. @Hal, I like the way you describe your portfolio. I f...

Without Catalonia, Spanish sovereign debt becomes more risky, loses value. Their Debt-to-GDP ratio goes up. My guess is this story is being actively suppressed most probably by the financial elites and the EU. It's all over the news in all major European countries as far as I can tell. Nothing is b...

This depends on your goal as well. Most people I know treat their taxable savings as completely separate from their retirement savings. They don't have any choice how their retirement money is invested. Any further savings are usually for general wealth building. The money could be used as additiona...

- Am I stressing myself too much over potential EU issues? (Don't feel history-savvy enough to judge what would happen if EU goes away.) It's very hard (impossible) to predict what will happen when the eurozone breaks up. I believe that 25% gold plus having the majority of my fixed income in the st...

I didn't know DeGiro charges for keeping etf's on foreign exchanges! If I understand correctly t's 2,50 euro a year for each exchange? I choose those ETF's because they were lower cost than most other comparable ETF's. I read some of the discussions about eurozone bonds and for me the combined durat...

Thanks Europeanwizard,

I'm using DeGiro (custody account) for now.

Hi all, Long-time lurker here from the Netherlands. Earlier this year I've setup my basic eurozone PP: Stocks: SPDR MSCI EMU ETF (ZPRE) Bonds: Lyxor EuroMTS 15y+ (LYXF) Gold: ETFS Physical Swiss Gold Fund (GZUR) Cash: Savings accounts My retirement portfolio is part of a collective plan, so I don't ...