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PRIIPs Regulation Printed On The Side Of A Ring Folder

How to Buy American ETFs in Europe with PRIIPs ETF Regulation?

Most retail investors that trade on their own already noticed starting 2018. As a European, it’s not possible to buy US-based Exchange Traded Funds (ETF) anymore.
If you were trying to find out how to get these US-based ETFs in Europe, I hate to burst your bubble, but there is no straight forward for this after a new ETF regulation in Europe (no, options aren’t straightforward). The major culprit? PRIIPs.
PRIIPs stands for Packaged Retail and Insurance-based Investment Products. Phew, that’s a mouthful, isn’t it? No wonder everyone uses the abbreviation.

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Milestone

First (personal) milestone unlocked!

I figured this earned it’s own post since I am quite happy about it and well, it’s the first milestone.

Just yesterday evening I was finally able to perform 50 strict, clean push-ups in one go. My first (personal) milestone reached! One more to go.
In regards to my financial targets, I already reached one from the start. I know, please don’t judge. I’m starting off easy, next year will be different.

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Financial Advisors

A thrilling transfer to my actively managed portfolio

A cold breeze is passing through and Halloween is right around the corner. Yep, it’s October. So it’s time I do something frighting. Why don’t I deposit an additional 10,000 EUR to my actively managed portfolio?

Active funds aren’t popular in the FIRE community or with anyone looking into investing themselves and who know of ETFs.
There is a reluctance to use these funds and with good reason given their entry and management fees. Even Warren Buffett is dismissive about them.

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Bear Is Taking A Peek

There is a disturbance in the market

October is shaping up to be one for the bears. This month seems to resemble August 2015 in terms of market movement. The beginning of August was even the start of market turbulence that lasted until the end of 2015.
What both periods have in common? China. A few years ago, the bearish sentiment held the global markets in its claws in wake of a slowing Chinese market and the devaluation of the Chinese RMB. This time China also plays a role, but there are more worries:

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Banknotes And Coins On A Table With An Hourglass

The Most Important FIRE Ratio: FIRE Savings Rate

The FIRE Savings Rate (SR), is probably one, if not the most important concept you must understand when you try to reach Financial Independence and Retire Early. It’s also the perfect place to start if you are wondering how to get into FIRE. So, let us see what this FIRE savings rate or simply “FIRE ratio” actually is.

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