How do I start investing as a 25 year old?

[el_tornado]

Original Post Deleted

I'm looking to make bonds up to 20% of my portfolio to blunt the volatility of stocks a bit. I'm trying to emulate the boglehead's 3 fund portfolio as well, which for the bond component includes BND. Maybe there's an all-world government bond ETF?

[hannah01]

Butting in on the OP's question.


Should I Invest through a broker or a bank? I have been investing on a monthly stock plan as suggested by a few here (also, I bought a stock or two that's not included in the monthly plan in order to diversify the portfolio). Have never given a thought about a broker though.

[shri]

I'm looking to make bonds up to 20% of my portfolio to blunt the volatility of stocks a bit. I'm trying to emulate the boglehead's 3 fund portfolio as well, which for the bond component includes BND. Maybe there's an all-world government bond ETF?

You can look for what is termed an "ETF of ETFs" which is essentially and ETF that holds multiple ETFs to simply hold "everything" in one ETF.

There are bond, stock and "bonds and stocks" (multi asset) ETFs.

Here are a couple of examples:

(iShares Core Aggressive Allocation - 75/25 all world stock / bond and available in different splits)

Ticker: AOA

https://www.ishares.com/us/products/...allocation-etf

Vanguard Multi-Bond ETF of ETFs.
Ticker: BNDW

https://investor.vanguard.com/etf/pr...portfolio/bndw


Watch out for liquidity concerns and fees. Not sure what the UCITS equivalent is, if you're concerned about withholding taxes.

Neither of these are recommendations.. just giving you a couple of pointers to do your own research.

[aceofangel]

At 25 it is pretty straight forward. Buy a set dollar amount of ETFs monthly (aka dollar cost average). ETF just choose the Vanguard ones (VOO, VTI etc).

The other options are generally not as favorable:

Real estate in HK is too expensive for cashflow investment. To make real money you are betting that the market will go up. Unlike stocks it is also maintenance heavy and illqiuid.

Insurance based products offer downside protection, but are generally quite expensive in fees.

Fixed income, returns are just too low, makes more sense when you transition from accumulation to preservation at a later age.

[nivek2046]

I'm looking to make bonds up to 20% of my portfolio to blunt the volatility of stocks a bit. I'm trying to emulate the boglehead's 3 fund portfolio as well, which for the bond component includes BND. Maybe there's an all-world government bond ETF?

is Barclays Asia USD Investment Grade Bond Index (3141) ok with you?

https://www.bmo.hk/en/bmo-etfs/details?fundId=3141

[shri]

is Barclays Asia USD Investment Grade Bond Index (3141) ok with you?

https://www.bmo.hk/en/bmo-etfs/details?fundId=3141

Is it ok with you and why?