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.
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.
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.
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.
Bear-market checklist for EU UCITS investors (2026)
Bear-market checklist for EU UCITS investors (2026) – practical guide by Kestutis Balciunas.
The analysis-paralysis cure for ETF investors (2026)
The analysis-paralysis cure for ETF investors (2026) – practical guide by Kestutis Balciunas.
Confirmation bias when picking an ETF issuer (2026)
Confirmation bias when picking an ETF issuer (2026) – practical guide by Kestutis Balciunas.
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.
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.
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.
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.
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.
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.
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.
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.
ETFs for a sabbatical year: liquidity vs growth (2026)
ETFs for a sabbatical year: liquidity vs growth (2026) – practical guide by Kestutis Balciunas.
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.
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.
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.