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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.

Moving Back Home: Repatriating Your Portfolio After Years Abroad (2026)

Moving Back Home: Repatriating Your Portfolio After Years Abroad (2026)

From Stock-Picking to ETFs: Consolidating 30 Positions Into a Two-Fund Core (2026)

From Stock-Picking to ETFs: Consolidating 30 Positions Into a Two-Fund Core (2026)

Your RSUs Vested: The European Employee’s Sell-and-Diversify Plan (2026)

Your RSUs Vested: The European Employee’s Sell-and-Diversify Plan (2026)

Made Redundant at 55: Turning a Payout Into a Bridge-to-Pension Portfolio (2026)

Made Redundant at 55: Turning a Payout Into a Bridge-to-Pension Portfolio (2026)

Abfindung Erhalten: Investing a German Severance Payout After the Fünftelregelung (2026)

Abfindung Erhalten: Investing a German Severance Payout After the Fünftelregelung (2026)

Moving From the UK to the EU: What Happens to Your ISA, SIPP and Portfolio (2026)

Moving From the UK to the EU: What Happens to Your ISA, SIPP and Portfolio (2026)

Low-Maintenance ETF Portfolios for European Investors: Set Up Once, Check Yearly (2026)

Low-Maintenance ETF Portfolios for European Investors: Set Up Once, Check Yearly (2026)

How to Leave Your Robo-Advisor and Go DIY: Sell, Transfer, or Stay? (2026)

How to Leave Your Robo-Advisor and Go DIY: Sell, Transfer, or Stay? (2026)

JEPI and JEPQ Taxes for European Investors: Withholding, Distributions and the UCITS Versions

JEPI and JEPQ Taxes for European Investors: Withholding, Distributions and the UCITS Versions

Dividend Investing on Trade Republic: Payouts, Reinvestment and Round-Ups

Dividend Investing on Trade Republic: Payouts, Reinvestment and Round-Ups

Escaping Your Bank’s Expensive Funds: The Step-by-Step Transfer Playbook (2026)

Escaping Your Bank’s Expensive Funds: The Step-by-Step Transfer Playbook (2026)

Best Brokers for Dividend Investors in Europe (2026): DRIP, Fees and Withholding

Best Brokers for Dividend Investors in Europe (2026): DRIP, Fees and Withholding

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Polish IKE and IKZE: the ETF-friendly retirement accounts (2026)

Polish IKE and IKZE: the ETF-friendly retirement accounts (2026) – practical guide by Kestutis Balciunas.

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How to spot ETF marketing tricks (without losing trust in the asset class) (2026)

How to spot ETF marketing tricks (without losing trust in the asset class) (2026) – practical guide by Kestutis Balciunas.

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Bull-market discipline: how not to over-allocate to winners (2026)

Bull-market discipline: how not to over-allocate to winners (2026) – practical guide by Kestutis Balciunas.

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Bear-market checklist for EU UCITS investors (2026)

Bear-market checklist for EU UCITS investors (2026) – practical guide by Kestutis Balciunas.

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The analysis-paralysis cure for ETF investors (2026)

The analysis-paralysis cure for ETF investors (2026) – practical guide by Kestutis Balciunas.

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Confirmation bias when picking an ETF issuer (2026)

Confirmation bias when picking an ETF issuer (2026) – practical guide by Kestutis Balciunas.

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Recency bias in market analysis: the data EU investors keep missing (2026)

Recency bias in market analysis: the data EU investors keep missing (2026) – practical guide by Kestutis Balciunas.

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Why ETF investors panic-sell, and how to build a rules-based plan (2026)

Why ETF investors panic-sell, and how to build a rules-based plan (2026) – practical guide by Kestutis Balciunas.

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Catching up at 40: starting an ETF portfolio with no prior investments (2026)

Catching up at 40: starting an ETF portfolio with no prior investments (2026) – practical guide by Kestutis Balciunas.

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Building a portfolio with 2000 euro a month: the FIRE accelerator (2026)

Building a portfolio with 2000 euro a month: the FIRE accelerator (2026) – practical guide by Kestutis Balciunas.

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Building a portfolio with 500 euro a month: the realistic middle path (2026)

Building a portfolio with 500 euro a month: the realistic middle path (2026) – practical guide by Kestutis Balciunas.

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Building a portfolio with 100 euro a month: the minimum-viable starter (2026)

Building a portfolio with 100 euro a month: the minimum-viable starter (2026) – practical guide by Kestutis Balciunas.

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Wise review 2026: the multi-currency account for European investors

Wise review 2026: the multi-currency account for European investors – practical guide by Kestutis Balciunas.

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Replacing your salary with dividend ETFs: the EU-edition number (2026)

Replacing your salary with dividend ETFs: the EU-edition number (2026) – practical guide by Kestutis Balciunas.

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ETFs for a sabbatical year: liquidity vs growth (2026)

ETFs for a sabbatical year: liquidity vs growth (2026) – practical guide by Kestutis Balciunas.

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Moving country mid-career: what happens to your UCITS portfolio (2026)

Moving country mid-career: what happens to your UCITS portfolio (2026) – practical guide by Kestutis Balciunas.

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Retiring abroad with UCITS: which EU countries reset your cost basis (2026)

Retiring abroad with UCITS: which EU countries reset your cost basis (2026) – practical guide by Kestutis Balciunas.

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Divorce with shared ETFs: separation strategies that minimise CGT (2026)

Divorce with shared ETFs: separation strategies that minimise CGT (2026) – practical guide by Kestutis Balciunas.

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