How You Can Cycle The World – A Practical Guide

August 11, 2023 Raph Antoine

While you may be here to read about investing, some of you were curious about ways to travel the world on a bike. In 2019, I covered 20k km with a rugged touring setup, favouring it over the sleeker bikepacking style. It let me venture into the wild autonomously for up to a week. Now, I’m into shorter bikepacking adventures.
Here are my key practical insights to get started. But also to lower your cost of travel, in general.

The Reason Why Sustainable Investing Will Underperform

June 26, 2023 Raph Antoine

Wall Street doesn’t want you to know that ESG Ratings are not about protecting the planet. And yet, over the past few years, ESG investments have, sometimes significantly, outperformed. Today, let’s bust the second myth. Despite all you read on this topic, this outperformance will not last.

Cash Is Not Enough: Why To Hold Bond ETFs Despite Price Rollercoasters.

June 5, 2023 Raph Antoine

Everyone has an idea about how the Stock market works. Yet, Bond markets are widely misunderstood. By Retail Investors, they are quite often labelled as ‘uninteresting’, to put it mildly. But Bonds are important for the overall success of your investment strategy.

For instance, most investors are still surprised to hear that Bond ETFs can lose 20%+ of value. Bonds can also ‘pop’ during a crisis when they gain as much in value in a few weeks.

Let’s play with a simplified Bond ETF calculator to get an intuitive sense of what is the upside and downside of Bond ETFs. Is keeping cash is preferable?

Slashing FX costs! In which currency should I buy ETFs?

May 22, 2023 Raph Antoine

There are four currency types when looking at an ETF are the underlying assets’ currencies, the hedging currency, the trading currency and the Fund base currency.
However, only the first two of them are really important. But by knowing the other two can save FX fees.