Hello, I've spent days reading about the ETF vs. regular save life cover debate. Maybe someone really nice could help?
Basically I'm 35, married, one child and debt free. Looking at investing circa €1,500 per month in a medium risk savings product with a 5-10 year horizon. I initially looked at the life companies but couldn't really get my head around the feed - no issue paying fees but would they actually deliver any benefits above ETF? That's probably anyone's guess.
Anyhow, looking to invest 10k + regular monthly payment. Going for diversified 40% North America / 40% European and / 20% emerging markets with an 80% equity / 20% commodity mix. I'm thinking of a buy and hold approach.
1. What are your thoughts on ETF vs life company
2. Where is the most cost effective purchase of ETF ?
3. What your thoughts on diversification strategy?
4. Is the tax thing really that bad if I sit on them for 8 years ?
Thanks ,
Brian
Basically I'm 35, married, one child and debt free. Looking at investing circa €1,500 per month in a medium risk savings product with a 5-10 year horizon. I initially looked at the life companies but couldn't really get my head around the feed - no issue paying fees but would they actually deliver any benefits above ETF? That's probably anyone's guess.
Anyhow, looking to invest 10k + regular monthly payment. Going for diversified 40% North America / 40% European and / 20% emerging markets with an 80% equity / 20% commodity mix. I'm thinking of a buy and hold approach.
1. What are your thoughts on ETF vs life company
2. Where is the most cost effective purchase of ETF ?
3. What your thoughts on diversification strategy?
4. Is the tax thing really that bad if I sit on them for 8 years ?
Thanks ,
Brian