TOP LINKS: Was June The Bottom?

Was June THE Bottom? (TOP LINKS #17)

TOP LINKS brings a collection of Investment Research and Financial Independence topics for Long Term Investors. To be enjoyed with your post-ride coffee.

Learn how the markets work and get the highest quality insights from Wall Street and Main Street. 

Unlike the rest of Bankeronwheels.com, this series is provided without much additional guidance. 

As usual, everything is to be used at your own risk. 

Quote of the week

Two essentials for successful retirement are sufficient funds to live on and sufficient things to live for.

Ernie Zelinski

LONG-TERM INVESTING

This section is dedicated to research on how to invest for the Long Run (or the 90% of your Portfolio). Read Topics related to Asset Allocation or Research on Investor Behaviour.

FROM Bankeronwheels.com

Beat Most Investors with FREE ETF Master Guides

  • Get Rich, Slowly but Surely – We designed Equity ETF selection frameworks and then picked the best funds in each category, so you don’t have to.
  • Become a Passive Investing Ninja – Have no mercy for Financial Institutions. Cut TERs, Taxes, FX Fees and Invisible Costs.
  • Licence to Yield – Which Bond ETFs for your goals? How do price change? Should you hedge currencies?
  • Don’t get fooled by Wall Street – ESG Ratings are not designed to protect the planet. Adjusted for risk, ESG ETFs will also inevitably underperform. So how can you invest Sustainably?
Subscribe to get some of Europe's Best Guides
From Bankeronwheels.com

Beat Most Investors with FREE ETF Master Guides

  • Get Rich, Slowly but Surely – We designed Equity ETF selection frameworks and then picked the best funds in each category, so you don’t have to.
  • Become a Passive Investing Ninja – Have no mercy for Financial Institutions. Cut TERs, Taxes, FX Fees and Invisible Costs.
  • Licence to Yield – Which Bond ETFs for your goals? How do prices change? Should you hedge currencies?
  • Don’t get fooled by Wall Street – ESG Ratings are not designed to protect the planet. Adjusted for risk, ESG ETFs will also inevitably underperform. So how can you invest Sustainably?
Subscribe to some of Europe's Best Guides

EVIDENCE-BASED INVESTING

Buying The S&P 500 Today? Wait. These 8 Charts Show What You May Miss

Over the past 50 years, the U.S. Market has outperformed the rest of the world by a whooping margin of 1% per year. Guess, how much of the 50-year outperformance came in the last 8 years? All of it. [Read the article]

From Bankeronwheels.com
We Help You Avoid Costly Investing Mistakes.
Sometimes individual sessions are very helpful to get past your investing concerns. Our readers asked us to create coaching sessions. And we’re proud to say, that some of them even ditched their Financial Advisors, after experiencing the value we provide.

Most coaching participants come from the EU or the UK.

But we have consistent demand from all around the world. We provided coaching sessions to individual investors stretching from Argentina to New Zealand, or Guatemala to Japan.

A significant part of our clients are professionals in the Tech sector, Lawyers or Doctors that want to avoid costly mistakes when investing.

We also coach 25-30 year old young professionals that want to maximise assets for early retirement. We also have a large group of entrepreneurs that e.g. receive large lump sums after selling their company and want to invest it in financial markets. We speak to Crypto millionaires that want to reduce their risks.

Finally, some of our coaching clients are in their 40s or 50s and want to set up customised, income-producing portfolios or create Bond ladders for their retirement.

Most of the coached investors are in the 25–60 year old range.

Yes, some of our coaching clients have shared reviews on Google.

Some considerations are included below. For more details, consult your regulator’s website.

A financial coach is: 

  • Trained but not regulated
  • Skilled at reviewing your overall financial situation and goals
  • Able to help you develop a financial plan to achieve those goals
  • Happy to discuss the pros and cons of various financial products but can’t recommend a specific one for you
  • Comfortable working with anyone, whatever their situation
  • Going to charge for their time

A financial adviser is:

  • Regulated and authorised by the regulator to recommend specific products to clients or is independent and able to offer ‘whole of market’ solutions
  • Often, going to charge an annual management fee, typically 1-2% of their client’s assets with initial fees on top.

We are proud to say that our coaching service has empowered a number of clients to reconsider their financial advisers’ offerings. From our clients’ feedback, in a number of cases, clients were overcharged, and offered unsuitable products, often due to conflicts of interest. However, this is not a rule. The best choice between a financial coach and adviser depends on an individual’s unique circumstances, including their financial literacy, time availability, comfort with managing their finances, and complexity of their financial situation.

We will tailor the sessions and costs to make investing accessible. No financial jargon.

Beginners often ask us: 
 
  • How do I reach my goals – What investments do I need to take into consideration for e.g. Taking a Sabbatical, buying a House or saving for Early Retirement?
  • When should I invest – I fear that investing a lump sum in this market may have a negative impact on my returns. How can timing of buying ETFs affect my performance?
  • How do I Invest – What are the pro and cons of investing with a Bank? Why should I diversify brokers?
  • What should I consider investing in – What are some risks of portfolio diversifiers like Gold or Crypto?
  • Avoiding Extra Costs – I have shortlisted a few ETFs, can you help me to compare them before I decide which one to buy?
  • Benchmarking – What are educated investors doing in a similar situation to mine?

We are flexible. For example, answering some of these questions could help you avoid very costly mistakes:

  • Challenging My Portfolio – Here is my portfolio – what am I missing? What could derail my strategy?
  • Accelerating My Understanding – What are inflation linked Bonds? How are they different to Nominal Bond ETFs? What makes them outperform? Why do some investors add small cap value stocks to their portfolios? I want to exclude Tobacco companies from my portfolio – what are my options? What is Factor Investing?
  • Simplifying Portfolio Maintenance – How can I diversify my investments? What is historically highly correlated so that I can consider removing it to keep my portfolio simple? How do I perform rebalancing? Does frequency matter?
  • Reducing Risks – I want to understand the risks of investments – what are the different measures and how does it impact me? What are the risks of different types of brokerage accounts?
  • Understanding the Impact of Recent Events – How do recent events impact my portfolio? What can I do to protect my savings from shocks? 
  • Investing Goals – I am investing for a specific goal e.g. Early Retirement, what is the research saying about e.g. the amount I need to have accumulated, how much can I withdraw annually? What are some calculators available and how to run them? What are the assumptions/shortcomings of these models?
  • Comparing Equivalent ETFs – I have certain constraints in my tax-wrapper and can only select certain funds (e.g. I live in France and limited to specific synthetic ETFs). Which ETF characteristics should I pay attention to? 
Learn About Coaching
From Bankeronwheels.com
Get personal help To Set up your portfolio

We Help You Avoid Costly Investing Mistakes.

Sometimes individual sessions are very helpful to get past your investing concerns. Our readers asked us to create coaching sessions. And we’re proud to say, that some of them even ditched their Financial Advisors, after experiencing the value we provide.

Most coaching participants come from the EU or the UK.

But we have consistent demand from all around the world. We provided coaching sessions to individual investors stretching from Argentina to New Zealand, or Guatemala to Japan.

A significant part of our clients are professionals in the Tech sector, Lawyers or Doctors that want to avoid costly mistakes when investing.

We also coach 25-30 year old young professionals that want to maximise assets for early retirement. We also have a large group of entrepreneurs that e.g. receive large lump sums after selling their company and want to invest it in financial markets. We speak to Crypto millionaires that want to reduce their risks.

Finally, some of our coaching clients are in their 40s or 50s and want to set up customised, income-producing portfolios or create Bond ladders for their retirement.

Most of the coached investors are in the 25–60 year old range.

Yes, some of our coaching clients have shared reviews on Google.

Some considerations are included below. For more details, consult your regulator’s website.

A financial coach is: 

  • Trained but not regulated
  • Skilled at reviewing your overall financial situation and goals
  • Able to help you develop a financial plan to achieve those goals
  • Happy to discuss the pros and cons of various financial products but can’t recommend a specific one for you
  • Comfortable working with anyone, whatever their situation
  • Going to charge for their time

A financial adviser is:

  • Regulated and authorised by the regulator to recommend specific products to clients or is independent and able to offer ‘whole of market’ solutions
  • Often, going to charge an annual management fee, typically 1-2% of their client’s assets with initial fees on top.

We are proud to say that our coaching service has empowered a number of clients to reconsider their financial advisers’ offerings. From our clients’ feedback, in a number of cases, clients were overcharged, and offered unsuitable products, often due to conflicts of interest. However, this is not a rule. The best choice between a financial coach and adviser depends on an individual’s unique circumstances, including their financial literacy, time availability, comfort with managing their finances, and complexity of their financial situation.

We will tailor the sessions and costs to make investing accessible. No financial jargon.

Beginners often ask us: 
 
  • How do I reach my goals – What investments do I need to take into consideration for e.g. Taking a Sabbatical, buying a House or saving for Early Retirement?
  • When should I invest – I fear that investing a lump sum in this market may have a negative impact on my returns. How can timing of buying ETFs affect my performance?
  • How do I Invest – What are the pro and cons of investing with a Bank? Why should I diversify brokers?
  • What should I consider investing in – What are some risks of portfolio diversifiers like Gold or Crypto?
  • Avoiding Extra Costs – I have shortlisted a few ETFs, can you help me to compare them before I decide which one to buy?
  • Benchmarking – What are educated investors doing in a similar situation to mine?

We are flexible. For example, answering some of these questions could help you avoid very costly mistakes:

  • Challenging My Portfolio – Here is my portfolio – what am I missing? What could derail my strategy?
  • Accelerating My Understanding – What are inflation linked Bonds? How are they different to Nominal Bond ETFs? What makes them outperform? Why do some investors add small cap value stocks to their portfolios? I want to exclude Tobacco companies from my portfolio – what are my options? What is Factor Investing?
  • Simplifying Portfolio Maintenance – How can I diversify my investments? What is historically highly correlated so that I can consider removing it to keep my portfolio simple? How do I perform rebalancing? Does frequency matter?
  • Reducing Risks – I want to understand the risks of investments – what are the different measures and how does it impact me? What are the risks of different types of brokerage accounts?
  • Understanding the Impact of Recent Events – How do recent events impact my portfolio? What can I do to protect my savings from shocks? 
  • Investing Goals – I am investing for a specific goal e.g. Early Retirement, what is the research saying about e.g. the amount I need to have accumulated, how much can I withdraw annually? What are some calculators available and how to run them? What are the assumptions/shortcomings of these models?
  • Comparing Equivalent ETFs – I have certain constraints in my tax-wrapper and can only select certain funds (e.g. I live in France and limited to specific synthetic ETFs). Which ETF characteristics should I pay attention to? 
Learn More About Our Coaching Service

FINANCIAL MARKETS

Alpha Investing

ACTIVE INVESTING

This section is dedicated research related to improving your knowledge about financial markets.  If you decide to sin, then sin only a little. Combined active bets should be, at best, a relatively small fraction of your portfolio. 

From Bankeronwheels.com
From Bankeronwheels.com

Join Some Of The Smartest Investors

Do You Want to Know What Other Wise Investors Are Doing?

Our community forum has over 500 members, with decades of investing wisdom and index investing experience. Join us and get your answers.  

VALUATIONS AND VIEWS

FACTOR AND THEMATIC Investing

[PODCAST] ESG Investing: Bogleheads on Investing

WALL STREET

[VIDEO] Credit Suisse: what next for the crisis-hit bank? Financial Times Film

PUNT RESPONSIBLY

When you play with fire, you can get burned. This section is a stark reminder of what can happen when engaging in active investing, even as a professional.

[PODCAST] The Moment He Knew It Was Over - Bloomberg Odd Lots

CRYPTO & BLOCKCHAIN

It’s not unreasonable to have skin in the game in a multi Trillion market. With one caveat. Be ready to lose it all. Remember that most crypto assets do not generate yield. If some do, there may be hidden risks involved. 

VIEWS

BOOKS & MOVIEs

In the Book review section we rate some of the most relevant resources related to Financial Independence, Personal Finance and Investing. Browse All Book and Video Reviews.

Movies and Books we reviewed this month:

Trillions – The People Behind Your ETFs

Trillions, how a band of Wall Street Renegates Invented the Index Fund And Changed Finance Forever, by Robin Wigglesworth is a fascinating insight into the people who made the Index Fund revolution happen. 

The stories about the people often start with some of their biggest failures. But beyond the stories, Robin also argues that every revolution brings its fair share of non-issues and sometimes real issues, such as concentration of power. 

 [Read the review]

European Stuff

PERSONAL FINANCE (UK/EU)

This section is dedicated to UK and European Investing and Personal Finance. It can also touch on other jurisdictions outside the Euro-zone.

Cycling

DESIGN YOUR LIFESTYLE

This section is dedicated to the Why of Investing.  FIRE Lifestyle Movement and Cycling Topics (bikepacking, touring and useful reviews)

LIFESTYLE

[PODCAST] Russ Roberts on Tim Ferriss Show

EARLY RETIREMENT

From Bankeronwheels.com
Get Wise The Most Relevant Independent Weekly Insights For Individual Investors In Europe & the UK

Liked the quality of our guides? There is more. Every week we release new guides, tools and compile the best insights from all corners of the web related to investing, early retirement & lifestyle along with exclusive articles, and way more. 

Probably the best newsletter for Individual Investors in Europe and the UK. Try it. Feel free to unsubscribe at any time.

CYCLING

Good Luck & keep’em* rolling!

(* Wheels & Dividends)

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Good Luck and Keep’em* Rolling!

(* Wheels & Dividends)

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DISCLAIMER

All information found here, including any ideas, opinions, views, predictions expressed or implied herein, are for informational, entertainment or educational purposes only and do not constitute financial advice. Consider the appropriateness of the information having regard to your objectives, financial situation and needs, and seek professional advice where appropriate. Read our full terms and conditions.