Generate Returns while sleeping

Make your money work for you while you sleep. Your portfolio should so simple that you are able to explain it to your Golden Retriever. Given a reasonable time horizon and if you follow right principles you have, by historical standards, no chance of losing money.


Looking for Financial Independence & Early Retirement?


Before exploring this website’s resources consider a good introductory book.



A dream with a plan becomes a goal.


Here is how to get started – click on the links below to contruct your dream-goal porfolio:


A personal touch? After all, it’s called Personal Finance.


Here are some resources to tailor your portfolio. 


After buying the ETFs the tough part will  become… doing (almost) nothing.


Now, here are some things to ponder beforehand:


All information found here, including any ideas, opinions, views, predictions, forecasts, commentaries or suggestions expressed or implied herein, are for informational, entertainment or educational purposes only. The information provided on is general in nature only and does not constitute personal financial advice

Before acting on any information contained on you should consider the appropriateness of the information having regard to your objectives, financial situation and needs, and seek professional advice where appropriate. Read the full disclaimer.