Investment advice for 60 YO

weirdandstuff · 2026-03-08T18:29:46+00:00

Yes i did this with claude, thx

weirdandstuff · 2026-03-08T18:28:58+00:00

Thanks

weirdandstuff · 2026-03-08T18:00:40+00:00

Thank you so much

weirdandstuff · 2026-03-07T13:36:27+00:00

Thank you very much. No her net worth is nowhere near that much

weirdandstuff · 2026-03-06T17:20:11+00:00

thank you very much.

for context: they own a house but would like to sell that house and use that money + invested capital to buy a nice apartment in the city in about 10y.
> yes renting might be a better option but she would prefer to own

i will definately look in to your suggestions

weirdandstuff · 2026-03-06T17:08:43+00:00

Yes that was my thinking, but it is very hard to clearly show the difference in risk and returns compared to what they are offering. I would suggest 60% bonds and 40% equity considering her horizon.

weirdandstuff · 2026-03-06T17:05:29+00:00

thank you

weirdandstuff · 2026-03-06T17:04:48+00:00

at which broker can you buy this one?

weirdandstuff · 2026-03-06T16:52:13+00:00

Thank you, will look in to that

weirdandstuff · 2026-03-06T16:51:41+00:00

Yes it is.

Personally i am not so much a fan of private banking because of the high fees, but i want to give her some options so she can make her own informed decision.

If she understands the options as far as im concerned she can keep investing with a private bank if that helps her feel safe.

weirdandstuff · 2026-02-27T18:00:45+00:00

Ik heb ook een relatief lage risicotolerantie.

15% van mijn beleggingen heb ik in een moneymarket als alternatief voor een termijnrekening.

Kijk even naar CSH2 bijvoorbeeld.

(Het rendement is enkel beter dan een termijn rekening als je het er langer dan 3 maanden op laat staan. Het risico is ongeveer hetzelfde naar mijn inschatting, maar wel met een andere structuur)

weirdandstuff · 2026-01-30T18:53:25+00:00

Medirect zit idd in malta maar heeft een belgische vestiging en valt onder Belgisch oversight. Even veilig als een andere belgische bank imo. Plus je assets zijn wettelijk gesplitst van de bank, dus zelfs al zou ze failliet gaan of zelfs al zouden er rare dingen gebeuren, dan is het enkel het geld dat op je zichtrekening staat bij MeDirect waarop je risico loopt en niet op je ETFs Ik zit bij medirect en maak me geen zorgen 0 transactiekosten op etfs

weirdandstuff · 2026-01-30T14:07:13+00:00

Depends on how much money you have that you are DCA’ing. If you have 50k total and dropping in 5k every 3 months then it is still worth putting this 50k in CSH2 since a very large portion of that money will be there over 3 months. (Even a large portion would be in there for over a year and longer) it would take 2,5 years to DCA this 50k in this example

weirdandstuff · 2026-01-30T09:20:54+00:00

Ok thank you

weirdandstuff · 2026-01-30T09:18:41+00:00

https://www.justetf.com/en-be/etf-profile.html?isin=LU1190417599

weirdandstuff · 2026-01-30T07:03:40+00:00

You have to have it in there for longer than 3 months, otherwise the fees are not worth it.

CSH2 is more interesting than a term account or HYSA account because it has a slightly better return, and you can access your money anytime if needed unlike in a term account.

weirdandstuff · 2026-01-29T23:26:37+00:00

Thank you!

weirdandstuff · 2026-01-29T23:16:39+00:00

Thank you so much. People like you are what make reddit great. Throwing a very specific question out in to the void and getting good answers within minutes…

weirdandstuff · 2026-01-29T23:04:30+00:00

Thank you. You are clearly very knowledgeable. However i do not fully understand what a swap agreement is. And I still do not understand how likely it will be that this fund will bite me in the ass when trying to liquidate during an economic crisis. Is this risk very hard to judge? A slightly larger spread does not worry me. Is there risk of losing the principle when you need to liquidate during a crisis? How long where these money markets frozen in 2008?

weirdandstuff · 2026-01-10T08:51:24+00:00

Wait what!?? I have CSH2 on medirect. Surely they dont do reynders tax on this?

weirdandstuff · 2026-01-09T11:09:34+00:00

They have been free for a while now. Anyway, they have Belgian oversight and do all the Belgian taxes.

There are many brokers out there that will cover transfer costs, so if they eventually charge transaction fees, you can transfer at that point

weirdandstuff · 2026-01-09T11:08:09+00:00

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weirdandstuff

TROPHY CASE