Hi RIP readers, Welcome to our latest Quarterly Financial (and Personal) Update! It seems centuries have passed since my previous quarterly financial update. I had to re-read it to get a sense of "where I was" three months ago.
Our base case forecast anticipates moderate global growth over the medium term, albeit slower than historical averages, influenced significantly by prevailing policy uncertainty, particularly regarding U.S.
Want to invest in bonds but unsure where to start? Our guide breaks down the top bond ETFs for Belgians, helping you build a stable investment portfolio.
Which ETF has the highest return?Over the last 15 years, any ETF that tracks the Nasdaq-100 index, such as the iShares Nasdaq 100 ETF (IE00B53SZB19), has vastly outperformed the rest of the market. Between 2007 and 2023, it had an average yearly return of 15.7%! But don't be seduced by its past performance. The main reason is that large tech companies like Apple and Amazon, which the Nasdaq-100 mostly consists of, have had great performance the past decade. But it's not a given that they will continue to outperform over the next decades. To prevent a bad outcome, it can be wise to diversify outside of just American tech companies.Which ETF to buy in 2025?If you're looking for stock ETFs, going for a diversified ETF like Vanguard FTSE All-World (VWCE) or iShares Core MSCI World (IWDA) is a good choice. They are globally diversified, accumulating and cheap.What about the Belgian state bond?The Belgian state bond is issued by the Belgian government to raise money from its citizens in order to fund various parts of government. It's issued four times a year and offers a fixed rate with an annual return that ranges in length of time but with a minimum of one year. The minimum investment amount is €100. The advantage of the state bond is that you know exactly how much you'll get at the end of year. On the flip side, you have to keep the bond until maturity, meaning your money is tied up. In contrast, you can sell an ETF at any time. In financial jargon, an individual bond like the state bond does not have the liquidity of an ETF.
Looking for a good ETF portfolio? Take a look at this simple portfolio that only contains three funds! Don't spends hours researching. This is all you need!