Why One ETF Is Enough
The financial world wants you to believe that investing has to be complicated. It doesn't.
A single broadly diversified global ETF outperforms over 90% of actively managed funds over the long run. That's not a secret — it's mathematics.
The Setup
- One brokerage account with a low-cost broker (Trade Republic, Scalable, ING)
- One ETF: MSCI World or FTSE All-World
- One savings plan: monthly, automatic, forget about it
The Numbers
- Average MSCI World return (30 years): ~10% p.a.
- €300/month over 30 years at 8% = ~€440,000
- Amount invested: €108,000. The rest is compound interest.
What You Do NOT Need
- Crypto allocation for "diversification"
- Sector ETFs for "higher returns"
- A financial advisor selling you actively managed funds
Bottom Line
Skip the optimisation. One ETF, one savings plan, patience. That's the whole secret.