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@karenlly that is not true (currency part), see my explanation farther down.

@kimoe I meant this in the context of currency a fund is traded in.

@stayfrosty Currency does not matter long term, you have to think through the layers you are investing and figure out where value is created: Sp500 ETF denominated in USD Companies in SP500 ETF are listed in USD Revenue in companies of SP500-> lot of USD but also revenue from abroad in EUR /...

oh and by the way you know probably know more about the worldwide stockmarket than 80% of professionals working in finance.👍💪

@gtdispomed9093 Great setup, unfortunately findependent does not offer any small cap etf. so for example in the us you just would be exposed to the 500 largest companies. vt and vwrl have more small caps. with a broker you could add a small cap world etf, about to 10%. I did what you did and...

@cindergames It finally did about 4 weeks ago 😀.

Even if they are healthy and live to be 100 they wil get old and will most likely need your help at some point.

@chuatnhat True, would also recommend them. Also if you are on good terms with your parents make sure you are up to date with their finances. my father is suffering from dementia. I am glad he told me about his finances when he was still ok. made it lot easier to take care of all his admin stuff.