Index funds: why the market almost always beats active managers
Most actively managed funds do not outperform their benchmark index over the long term. Understanding why, and what it means for individual investors, changes the way you invest.
Read → Articles about Index funds
Everything we've published on this topic.
Index funds versus active management: what twenty years of data say
The debate between index funds and active management has been settled by the data for decades. Yet the financial industry keeps selling the idea that expert managers can reliably beat the market.
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Equities: stocks and ETFs
Buying pieces of companies to share in their growth. The most profitable long-term asset class — and the most volatile.
Read → Index funds: passive investing
Replicating an entire index with a single product. The strategy that beats 90% of professional fund managers.
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Real estate investing (direct and REITs)
Different ways to gain exposure to property: buy-to-let, listed REITs and real estate crowdfunding.
Read → Alternative assets: gold, crypto and others
Commodities, cryptocurrencies and other assets that don't fit classic categories. When they make sense and when they don't.
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Diversification: don't put all your eggs in one basket
Spreading risk across assets that don't move together reduces volatility without sacrificing expected return.
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Asset allocation for your profile
How to decide what percentage to allocate to equities, bonds and other assets based on your age and risk tolerance.
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Basic taxation for investors
Capital gains, fund transfers and loss harvesting. The minimum you need to know to avoid giving money away to the taxman.
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Separating noise from signal in markets
News, predictions and gurus: why most daily financial information is irrelevant to the long-term investor.
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How much do I need to start?
Much less than you think. Today you can start investing with €50 a month in diversified products.
Read → Your first portfolio in 30 minutes
A concrete proposal with 2-3 index funds covering global equities and bonds. Simple and effective.
Read → The annual portfolio review
Once a year: review asset allocation, rebalance if needed and adjust contributions. Nothing more.
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The paradigm shift: saving for your children's wealth, not for retirement
Once financial independence is secured, compound interest yields more when projected toward the next generation than toward personal retirement.
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Fixed income vs. variable income
Bonds and shares are the two fundamental building blocks of most investment portfolios. Understanding what each does and when each fits is foundational knowledge.
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The magic of index funds and ETFs
Decades of evidence show that most active fund managers fail to beat the market over time. The boring alternative — just owning the whole market — reliably outperforms most of them.
Read → Diversification: don't put all your eggs in one basket
Diversification is the only free lunch in investing. Spreading across assets, geographies and sectors reduces risk without necessarily reducing expected returns.
Read → Real estate for everyone (REITs)
Property is one of the most popular investment classes — but buying a flat to rent requires large capital, illiquidity and management effort. REITs offer a different route.
Read → Preparing your children's future
Financial gifts to children compound dramatically over time. Starting early — even with small amounts — can provide them with a meaningful head start.
Read → Index funds: the most boring and effective way to invest
You don't need to follow markets or understand accounting. You just need to start early and not touch anything.
Read → Four decisions your 60-year-old self will thank you for
An honest guide on long-term financial priorities, written to be read slowly.
Read → Investment Research with AI Without the Traps
AI speeds up investment research like nothing before, but it makes up figures, goes out of date and should never tell you what to buy. How to use it to understand and cross-check, not to decide.
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At 20: first salary, first investment
The 10% minimum, DCA, a single global index fund and the typical youth mistakes that cost you decades of compound returns.
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At 30: family, mortgage and investing together
Real financial priorities at 30: emergency fund, paying down vs. investing, and how to keep contributing when life gets tight.
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After 70: investing with serenity
Simplify without losing to inflation. Minimal portfolio, accessible liquidity and automation for peace of mind.
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