Last Updated on 9 January 2021 by F.R.Costa

Do you hand your savings to a pension fund? Why not invest yourself? Article originally published at Master Investor Magazine October 2019 Issue 55 p.36-41.

Individual investors and family planners usually hand their money to pension funds and other institutional investors when the time to save for retirement comes. But, managing retirement funds is not that difficult. In fact, you can set your own savings plan with just two ETFs. You can build a highly diversified portfolio with just those two ETFs.

Still, for the more adventurous, investing in stocks may come less risky than many think, in particular when the investment horizon is the long-term.

The odds of loosing money in a well-diversified portfolio of stocks in a five-year interval are small. If we increase the interval to 10 years, the odds are very low indeed. If we stretch the interval a little further, stocks just look like safe havens.

To find out more about managing your own retirement funds, please read my full article at Master Investor, for free.

About F.R.Costa

Filipe has more than 20 years experience with financial markets. He holds a degree in Economics with a specialisation in Finance and he's currently finishing a PhD in Finance. He used to work as financial consultant and research associate but then decided to return to academia five years ago. Since that, he has been an Invited Lecturer, teaching courses on Investments, Financial Markets, and Monetary Economics. He is also a regular contributor writer at The Master Investor Magazine.

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