You’re 40 years old. You have €100,000 invested. You save another €800 every month. And you have one goal: stop working at 55. Fifteen years from now, you want your alarm clock to stop deciding when your day begins. But will your savings be enough? Will you need €300,000, €500,000 or €1 million? The answer
Can You Retire at 55? How Much Money Would You Actually Need? Read More »
A message arrives that appears to come from your bank. It warns that your account is at risk and instructs you to move your money to a secure account. The message looks convincing. You follow the instructions and transfer €2,000. Twenty minutes later, you discover the truth. It was a scam. Is the money gone
You Sent Money to a Scammer. Can You Get It Back? Read More »
Three years ago: Salary: €40,000 Today: Salary: €46,000 That is €6,000 more per year. So why does your bank account not feel €6,000 better? Why are you still watching grocery prices? Why does saving not feel easier? Why does a night out seem noticeably more expensive? A higher salary and a richer life are not
Why Does Your Salary Feel Smaller Even After a Raise? Read More »
You have: €3,000 in your bank account. The new phone costs: €1,300. Can you buy it? Of course. Your card will work. The money is there. But can you afford it? That is a different question. If buying the phone leaves you with €1,700 while rent, insurance and a car repair are all due soon,
You have: €5,000 in savings. You also owe: €4,000 on a credit card. One option seems obvious: pay off the card tomorrow. But then your savings fall to €1,000. What if your car breaks next week? What if you lose your job? What if the boiler dies? Now the decision is no longer just about
Revenue: Beat expectations. Profit: Beat expectations. Earnings per share: Beat expectations. The company is still growing. You check the stock the next morning: -11%. What exactly did investors want? At first, the reaction looks absurd. But the market is not asking only: “Were the results good?” It is also asking: “Were they better or worse
Why Can a Stock Crash After Reporting Great Earnings? Read More »
You check the news: S&P 500: +1.4% Nasdaq: +1.7% Another headline says: STOCKS RALLY Then you open your investment app. Your portfolio: -0.7% What? If “the market” went up, shouldn’t your investments have gone up too? Not necessarily. The headline is describing an index. Your app is describing your money. Those can be two very
You bought €5,000 of a company’s stock. A few months later, the headline appears: COMPANY FILES FOR BANKRUPTCY The stock is already down 90%. Your €5,000 position is now worth roughly €500. What happens next? Is the remaining €500 still yours? Can the shares recover? Does bankruptcy immediately send the stock to zero? What if
What Happens to Your Stock If the Company Goes Bankrupt? Read More »
You open your trading app. A stock is: €50.00 You look away for three seconds. Now: €49.98 Another second later: €50.03 Who changed it? Was it the company? The stock exchange? Your broker? Some algorithm sitting in a data centre? The answer is more interesting: Nobody simply chooses the stock price. The number moves because
Imagine your investments paid you €2,000 every month. No salary required. No need to sell shares just to cover ordinary spending. Just dividend payments arriving throughout the year. How much money would you actually need invested? €100,000? €300,000? €1 million? The answer depends heavily on the dividend yield, and that is where the idea becomes