Financial freedom tips early retirement

Interesting year for the stock market a lot of uncertainties caused for example by the US chinese trade war and also the Brexit. I followed my saving plans during the complete year and bought some extra stocks end of 2018 during the market drop. I added my employer saving plan and the depot which is located in Singapur. Right now the saving plans are running very nice and the anual return is close 10% and the total profit hits 10k€. At the moment mainly i try to figure out if its worth to fund a asset management company for tax reasons and easier handling for foreigner depots. Right now i think the management cost for the company is to high and the advantage to less for the amount in the Depot. Did any one have experience with German asset management company rules? So you see another boring year no high potential stocks with an increase of 300% but a steady stabil growth. I am totally convinced that stock picking is a lottery without having very deep knowledge about the spe

Opening brokerage and cash account in Singapore for foreigners  I started to evaluate where i could open a second broker account to deposit money. Reason is not to have all savings in one country, call me paranoid or whatever ;) And Singapore was perfect for me strong economy, high legal saftey and big banking sector. We where in Singapore for vacation and i checked if i could open a bank account but its not possible anymore for non residents. After i was back home i searched for possibilities and i found one vendor which offer a broker account including multi currency cash account. https://secure.fundsupermart.com/fsm/account-opening/main After sending a copy of my passport and a actual invoice from my energy provider i received the activation code via mail. On the webpage is written the account for foreigners is opend in Hongkong or India but i dont see any difference or note that it is like this. I can trade now shares in Singapore Dollar on the SGX or in US Dollar on

I have made some changes in the saving plans. When you compare the performance from my Lyx Euro stoxx 600 and MSCI World there is a difference from 3% in one year. So i decided to buy a new ETF MSCI World All Country here the emerging markets are included. We will se if the performance here is more convincing. I also bought some stocks in the dip last year in december which pays off now. Its always hard to buy, an see its dropping down more but usually the market always turn back after a while. Now the anual return is by approx. 7% since 2015 which is great and proofs the long term passive ETF strategy and buy the dip is working. I only have to be used to learn to stay relaxed whe the stock portfolio is wanking about 1000€ a day down or up. All updates new buys and acutal worth of the stock portfolio can be watched in the Live updating Google Sheet its under the Investment tab.