Why invest ?

Do I have a problem perhaps that needs a solution ?

Yes, the nominal interest on your savings accounts is negligible
Yes, the real interest on your savings account is negative !
Yes, you have way too much excess cash doing nothing
Yes, the state is not going to fund your pension
Yes, you worked hard for your money and it would be nice not to see it evaporate

The solution is to have more financial ambition !

Redefine your true emergency cash needs : imagine the worst emergency you are setting all that cash aside for, calculate the cost of it, double that (!) and then consider the rest “excess cash”….
A great many people are very diligent and ambitious when applying their skills to make money, and then, once it is made, seem not to care what happens to it….

OK, I hear you. But why stocks ? I like my real estate.

By all means, keep the real estate. It is absolutely fine
But it is way more maintenance-intensive than are stocks
And it is not modular : when in need of cash, you cannot sell just the bathroom
Still, the idea is not to replace A by B. The idea is to diversify !

Still, why with you ? I am happy with my private banker.

Perfect ! And rightly so. Your investments with the private banker are in good hands
But there is still merit in combining those with a different kind of fund
Different philosophy, different framework, different cost structure
Again, it is all about diversification.

Why delegate to anyone ? Can I not do this on my own ?

Of course, you can !
Just make sure you have the time to monitor it
And more importantly, that you have the stomach to deal with it
If you have no time, and/or if it keeps you awake at night, go to the contact page …..😊