Weekend Reading – JP Morgan Guide To Retirement
Weekend Reading is a collection of Investment Research and Lifestyle topics from all corners of the Web. We source the highest quality insights from Wall Street and Main Street that you may apply to your investment process. Unlike the rest of Bankeronwheels.com, this series is provided without additional guidance. As usual, everything is to be used at your own risk. Below is the type of content we shortlist:
Pleasant as it may be to bask in the warmth of recovery… the time to repair the roof is when the sun is shining.
Featured
Tools: Compound Interest Calculator (Banker on Wheels)
We designed the Compound Interest Calculator to help investors assess the impact of time on returns. Users can input details such as investment amounts, and annual returns. The tool calculates and projects the portfolio value over time. It also provides multiple values of the amounts injected. This financial tool aids investors in making more informed decisions by highlighting the benefit of compounding.
Portfolio Construction
Asset Allocation
- A framework for considering cash in your portfolio (Vanguard)
- Building resilient portfolios through diversification (Vanguard)
- How long-term investor can use better portfolio constuction to compound wealth (Mutiny Funds)
- March S&P 500 Index Rebalance: Subtle Shifts, More Complexity (northern trust)
- Record highs…but we’re still excited (GMO)
Managing Regret Risk: The Role of Asset Allocation (CFA Institute)
Traditional investment approaches assume investors have equal access to market information and make rational, emotionless decisions. Behavioral finance, championed by Richard Thaler, Daniel Kahneman, and Amos Tversky, challenges this assumption by recognizing the role emotions play. But the ability to quantify and manage these emotions eludes many investors.
Read more on CFA Institute
UNDERSTAND FINANCIAL MARKETS
- How Long Does it Take For a 10 Bagger in the Stock Market? (A Wealth of Common Sense)
- A short history of how indexing became dominant (Ritholtz)
- Will the Growth of Indexing Lead to Its Downfall? (Wisdom Tree)
- The Bond Crash Continues (All Star Charts)
- Over 80% of active global equity funds underperform in 2023, SPIVA Europe finds (ETF Stream)
HOW TO INVEST
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Active Investing
FACTOR investing
discretionary investing
ALTERNATIVE ASSET CLASSES
Gold vs. S&P 500: Which Has Grown More Over Five Years? (Visual Capitalist)
Gold is considered a unique asset due to its enduring value, historical significance, and application in various technologies like computers, spacecraft, and communications equipment.
Commonly regarded as a “safe haven asset”, gold is something investors typically buy to protect themselves during periods of global uncertainty and economic decline.
It is for this reason that gold has performed rather strongly in recent years, and especially in 2024. Persistent inflation combined with multiple wars has driven up demand for gold, helping it set a new all-time high of over $2,400 per ounce.
Read more on Visual Capitalist
WALL STREET
Visa Inc. - World’s Largest Credit Card Company | A Finance Documentary (FinAIus - 39 Min)
Meet The King of Credit Cards – the world’s largest credit card company! This is the story of Visa’s ascent to global dominance in the financial world. Exploring its origins, innovations, and controversies, we will have an insightful look into the power dynamics and challenges within the credit card industry, highlighting Visa’s unparalleled influence and impact.
SUSTAINABLE investing
BAD BETS
- Truong My Lan: Vietnamese billionaire sentenced to death for $44bn fraud (BBC)
- The biggest bank heist in history (and why you've never heard of it) (The Economist - 19 Min)
- 15 Stocks That Have Destroyed the Most Wealth Over the Past Decade (Morningstar)
- Dave Portnoy: A journey of investing starting in 2019 until now. (unusal whales)
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ETFs
UCITS ETFS
Which fixed maturity ETFs are investors choosing? (ETF Stream)
Target maturity ETFs have amassed more than $3.2bn assets since arriving in Europe last August, however, one exposure has been a key focus of both inflows and product launches to-date. The segment’s two top asset gathering products have been the iShares iBonds Dec 2028 Term € Corp UCITS ETF (IB28) and iShares iBonds Dec 2026 Term € Corp UCITS ETF (IB26).
Read more on ETF Stream
New UCITS ETF launches
| # | ETF | TER | ISIN |
|---|---|---|---|
| 1 | Amundi Prime All Country World UCITS ETF | 0.07% | IE0009HF1MK9 |
| 2 | Xtrackers MSCI World ex USA UCITS ETF 1C | 0,16% | IE0006WW1TQ4 |
| 3 | AMUNDI PRIME USA UCITS ETF Acc | 0,05% | IE000FSN19U2 |
| 4 | AMUNDI PRIME USA UCITS ETF Dist | TBC | IE000IEGVMH6 |
Overview of the US and European ETF markets by leading Issuers. (ETFBook)
ETF Book Provided an updated overview of the US and European ETF markets by leading Issuers. US ETF market: AUM $7.96 trillion – European ETF market: AUM $1.81 trillion. iShares is leading in the US, but Vanguard is closing the gap. In Europe, iShares is much more dominant.
US ETFs
BlackRock is set to launch ten ETFs focused on Treasury inflation-protected securities (TIPS). Ranging in maturity from 2024 to 2033, these ETFs will seek to provide inflation protection to investors concerned with erosion of purchasing power. The new TIPS-defined maturity bond ETFs will carry an expense ratio of 0.1%. [ETF.com]
Wealth Management
Personal Finance
- Daniel Crosby talks with Thomas Malthar about the differences between financial well-being and financial independence. (Standard Deviation - 52 min)
- Side hustles, making FI possible, frugality, giving yourself freedom, and side hustles. (ChooseFi - 40 min)
- Forbes just released its 2024 global billionaires list (Forbes)
- Brett McKay talks with Jake Knapp about creating a 'distraction-free' phone. (Art of Manliness)
This week Dr. Crosby is joined by Lindsey Lewis. Lindsey Lewis has built a career around women and money. Tune in to hear: What makes women so uniquely good as behavioral investors? What can we do to attract more women to financial services when we know they are so well suited for the field?
Brokers
iWeb Share Dealing Review – Great For Inactive Investors (Banker on Wheels)
iWeb Share Dealing is the typical boring, but cost-efficient platform with good ETF availability. But make no mistake, it is an excellent option for investors seeking a reputable platform who don’t invest frequently, as there are no custody charges. However, advanced investors might encounter limitations based on their sophistication and needs.
Early Retirement
JP Morgan Guide to Retirement (JP Morgan)
The 4% rule is the maximum initial withdrawal percentage that has a high likelihood of not running out of money after 30 years. With current life expectancies, a 35-year view is more appropriate. The outcomes are sensitive to forward-looking return assumptions and the rule is not guidance on how to efficiently use your wealth. You may want to consider a dynamic approach that adjusts over time to more effectively use your retirement savings.
Read more on JP Morgan
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As of 29/03/2024, Interactive Brokers offers rates up to 4.738% (GBP), 3.445% (EUR) and 4.83% (USD) on cash.
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As of 29/03/2024, Interactive Brokers offers rates up to 4.738% (GBP), 3.445% (EUR) and 4.83% (USD) on cash.
Health & Wellness
DESIGN YOUR LIFESTYLE
Travel
Short piece on places we sleep while bikepacking (Bikepacking.com)
Following his ode to the hike-a-bike, Jacob Martin’s latest short piece shines a light on the many places we sleep while bikepacking. From an ideally situated campsite on a clear night to an unexpected refuge when the weather turns, he pays tribute to our short-term homes away from home and shares a little about his philosophy of embracing whatever comes. Read it here…
Read more on Bikepacking.com
Personal Development
Dr. David Spiegel is Willson Professor and Associate Chair of Psychiatry & Behavioral Sciences, Director of the Center on Stress and Health, and Medical Director of the Center for Integrative Medicine at Stanford University School of Medicine,
Tech & Economy
economy
TECH AND SCIENCE
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.
🎁 In the first email, you can download a FREE comprehensive 2-page checklist to construct & monitor your portfolio and clean up your personal finances.
And finally
Good Luck and Keep’em* Rolling!
(* Wheels & Dividends)
Cash Is Not Enough: Why Hold Bond ETFs Despite Price Rollercoasters.
The Truth About €1 Million Broker Guarantees (Updated With Trading 212 Cap)
Halifax Share Dealing Review – Similar To Lloyds With SIPP On Top
Lloyds Share Dealing Review – Old School But Ticks The Boxes For Golden Retrievers
DEGIRO Review: A Transparent Leader In Low-Cost Investing
Weekend Reading – BlackRock Launches New iBonds, Truth About €1M Broker Insurance & BOW is 4 years old!
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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.
