VSGX is a diversified Vanguard ETF with >6,000 different non-US company stocks. This is an ESG-screened fund, basically meaning that it avoids fossil fuel and tobacco companies. Since it’s Vanguard, it has a super low 0.1% expense ratio
BNDX is the Vanguard international bond ETF, with ~58% of holdings in Europe-based bonds. It has a 0.07% expense ratio and pays a monthly dividend equal to about 4% return/year
Depends on your risk tolerance. Low tolerance look at commodities. Higher tolerance look at emerging markets. Europe is pretty stagnant, would not recommend.
I would invest in real assets if possible. If you have land, invest in fruit trees, in gourmet mushroom grows, like plugging fresh dead wood with spawn. Buy tools. Buy things that would have value in a collapse.
Planting black walnut is also a good choice. After 20 years a single tree would be about $1000-1500, and you’d plant about 48 trees per acre, which adds up to $48-72k/acre. It’s also common to plant black/blueberries around them for additional income.
… bottled water, canned food, fuel, underground bunkers…
Chicken stock, beef stock.
Non-US Bonds, Stocks and ETFs?
VSGX is a diversified Vanguard ETF with >6,000 different non-US company stocks. This is an ESG-screened fund, basically meaning that it avoids fossil fuel and tobacco companies. Since it’s Vanguard, it has a super low 0.1% expense ratio
BNDX is the Vanguard international bond ETF, with ~58% of holdings in Europe-based bonds. It has a 0.07% expense ratio and pays a monthly dividend equal to about 4% return/year
It really does depend on what you’re looking for. You can “replace” US Treasuries with comparatively safe assets like British gilts or bonds from large, stable EU countries like France or Germany, but these will be denominated in GBP or EUR respectively, not USD, so they’re not a drop-in replacement. The EU itself also plans to issue some joint debt to pay for Ukraine-related expenses, so that might also be available depending on how they do it.
As for stocks and ETFs, there is the Euronext 100, but a cursory web search didn’t reveal any ETFs that track it. I’m sure there probably is one, but I just didn’t find it.
That being said, the Euronext 100 isn’t a replacement for American indexes like the S&P 500 though. The liquidity on the European side is lower (and for EUR securities in general), and because the American stock market in general performs better than the European stock market, you would give up a lot of financial gain. If you invested $1,000 into an S&P 500 index fund on 1 January 2010, that would now be worth $6,111. But if you instead invested 1 000€ into a Euronext 100 index fund on the same date, it would only be worth 2 548€ today. Even if you cut it off before the AI-led growth in the American stock market, the S&P 500 still would have outperformed the Euronext 100 by nearly double.
If you are really looking to avoid devaluation of your portfolio then you can switch to purchasing valuable minerals like gold and silver (or the ETFs that track them), or you can invest in insured CDs. These won’t give you the big payout like stocks would, but they will never lose you money.
Just recently I sold off a lot of poor performing stocks and stocks of companies investing in AI and bought some gold and silver stocks as well as some CDs. I am not expecting to win with these - I just want to survive the inevitable market crash.
Obligatory warning, I am not a financial analyst and I will not be responsible for how you invest your money.
Dude, I have a huge CD collection, probably around 300-350. How rich am I?
My gold etf is going through the roof rn
Can confirm. Gold stonksIt depends on how the devaluation occurs. If it’s high inflation, then CDs screw you over in two ways; fixed rates and time locked.
I wouldn’t define that as being screwed, but they certainly are disadvantages. Fixed rates can work in your favor under certain scenarios like how the government is currently reducing bond rates which causes everyone else to lower their APY. Fixed rates mean you aren’t affected when the government decides to pay less.
If their is high inflation (higher than the CD), then CDs are bad. Your money is locked in and losing real value over time due to the CD rates not being high enough.
Thats why I said it depends on what you are trying to defend against. What’s hard is the economy is teetering between recession->low interest rates and high inflation. It seems like the Fed has gotten inflation under relative control, but bond sell offs would probably trigger rising bond rates (as the US has to make bonds more appealing), which I fear could lead to inflationary pressure in the US. However, given Trump it’s hard to know what he’ll do next so maybe diversification is the only thing to do.
How to I buy gold and silver stock?
You could buy something like that: IE00B4ND3602
eh, I don’t really know myself. I’m on InvestEngine as it seemed recommended on reddit when I spent a couple of hours looking into options last year. I put a chunk of my savings into S&P 500 and FTSE ETFs and it’s done unusually well in the last few months, which makes me kinda nervous about a crash. So recently I “diversified” I guess by moving some of it into government bonds, which don’t perform quite as well but should be much safer. Beyond that I don’t really know and I kinda feel like I have no idea what I’m doing. I don’t wanna pay a huge fee to some company who claims they can beat the market and statistically are probably wrong. Nor do I want to opt out and just put the savings in a bank account. So I just kinda dump it in an ETF and hope for the best. If the market does crash and I’m not able to time it to get out before it tanks too much then I’d be pretty pissed
There are many ETFs that offer broad diversification into international markets. Most US brokerages offer their own mutual funds for international equities as well.
There is much disagreement over the optimum ratio of US-to-international equities, but unless you’re a hardcore US exceptionalist, anywhere between 20-40% of your equity portfolio should be ex-US, according to most researchers.
- I would assume that your country has some kind of bond or stock market.
- Investing in yourself by furthering your education, training, buying things of long-term value for yourself, or investing into some kind of business for yourself.
- Buying equity in a local small business.
- CD (Certificates of Deposit), especially those with a credit union that has a mandate to work within the local community.
- Real Estate
- Crowdfunding
- Like it or not… decentralized cryptocurrencies…
It should go without saying that you should try to fully understand the risk:benefit trade-off of all of these things before investing a lot of money into them.
I found this Reddit list, but I thought I’d see what Lemmy comes up with:
https://www.reddit.com/r/stocks/comments/1k0hvd4/what_assets_are_the_best_alternatives_to_us/
Www.justetf.com is useful.
ex-US Bonds, stocks, and ETFs. For U.S. consumers those types of funds are still USD denominated but they’d be focused on investing in corporations and government entities outside the U.S. Plenty of index funds are set up that way already (for stocks VXUS is one of them, for example).
Think assets - the main issue is that all major currencies, banks, and exchanges are deeply correlated to the petro dollar - anything tied more closely to the currency than it is to practical reality is likely too correlated to the usd.
Think of things that could remain useful and valuable outside of the financial system collapse
precious metals, real estate, tools, farms, service and manufacturing businesses
These assets require more effort and have less protections and are currently less liquid than the standard financial instruments of stocks and bonds.
however as a person who beleives in the inevitability of a global financial currency reset/collapse within my lifetime - i weigh those risks and efforts and liquidity as more acceptable than the old/current era’s stocks and bonds - i still hedge my bet by owning stocks and bonds of course - but the ratio between real assets and financial instruments is shifting more to real assets
Do not trust financial instruments that represent real assets like reits or things like gld/slv or futures - during a force majeure event they will just be pieces of unenforced paper
As to precious metals, forget gold, get platinum, pallidium, and physically hold it. Those have intrinsic value, they are catalysts for chemical reactions. Gold is worthless outside of being a decent conductor for high voltages that won’t burn up, but so is the aforementioned.
Core Stoxx Europe 600, MEUD.FR
As always, it depends on where you are, what your risk appetite is and who your broker is. I advise moving a way from a US based broker if you are using one, they will have a heavy US focus.
Look for funds/indexes managed outside of the US. Look at what is in funds, most brokers/apps should give you at least the top 10 holdings, see if they line up with your expectations.
IMO, look at value stocks/funds currently rather than growth. Aim for dividends and stability until we know where global politics is heading.
Personally, I am slowly selling my world index holdings (mostly US tech by value) and most US shares. I’m putting it into renewable energy (check the fund isn’t just buying oil majors) and a strategic bond fund (I want to buy a house next year, so want stability)
For some detail:
Flagging this fund manager for actually green funds: https://www.edentreeim.com/ most “green energy” funds just had oil in them, these guys actually do it properly. (I just learnt they are related to the Church of England though, so for any “moral” investing, assume that to be the morals of the CoE)
Jupiter: https://www.jupiteram.com/uk/en/individual/ is a large UK asset manager that should have a decent range of funds if your broker has them. I have their strategic bond fund as well as some of their Asian funds.
Otherwise, look at picking up an array of non US index funds.
