Investment Strategies

How to combine funds into a portfolio that survives real life. This archive holds the allocation models — one-fund, three-fund, 60/40, core-satellite, couch potato — and the strategy guides for dividend income, factor tilts, rebalancing discipline and currency risk. The dividend shelf covers the funds and the mechanics: yield versus growth, withholding tax on distributions, and building an income stream from UCITS ETFs. The FIRE shelf runs from Coast FIRE viability by country to sequence-of-returns risk and European alternatives to the 4% rule. And because behaviour costs investors more than fees, the behavioural guides — panic-selling, recency bias, analysis paralysis — sit here too. Every strategy is expressed in UCITS funds a European can actually hold, with the tax angle referenced country by country.