Choose an ETF

Now it's time to pick your ETF. This is easier than you think.

There's no single "best" ETF. The best one is the one that matches your comfort level — because the only ETF that works is one you can keep adding to for years without panicking.

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Ask yourself one question

How comfortable am I with ups and downs?

• If a 30% drop would keep you up at night → pick a calmer option
• If you can watch your money drop and think "whatever, I'm in this for 20 years" → you can handle more risk

Higher risk = higher potential returns, but also wilder swings. Lower risk = calmer ride, but slower growth.

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Three solid options

ACWI (All-World ETF)

Invests in 3,000+ companies all over the world — US, Europe, Asia, emerging markets.

• Most diversified (safest spread)
• Calmest ride
• ~8% per year historically

Best for: people who want broad, global exposure and a smooth experience.

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S&P 500

Invests in the 500 biggest US companies — Apple, Microsoft, Amazon, Google, etc.

• Strong long-term performance
• More ups and downs than ACWI
• ~12% per year historically

Best for: people who want a good balance between growth and stability.

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Nasdaq 100

Invests in the 100 biggest US tech companies.

• Highest growth potential
• Wildest ups and downs
• ~15% per year historically

Best for: people who are comfortable with big swings and want maximum growth.

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What €250 per month becomes

(Total invested over 20 years: €60,000)

The difference is dramatic over long periods. But remember: higher returns always come with bumpier rides.

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Simple decision guide

• Want calm and global → ACWI
• Want growth with balance → S&P 500
• Want maximum growth, can handle the rollercoaster → Nasdaq 100