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how to return 4 - 6% on savings / investments with little / no management?
user
i'm assuming you mean 4-6% annually over 10-15 years.  if you mean 4%-6% total return over 10 years then this question is easy just find your local country's 10y bond and that should likely cover it (though barely if you are german). so 4%-6% annually is not a big stretch but it does require some risk and at least a bit of work.  a fire-and-forget good mix would include (using index mutual funds or etfs) some internet research and a one-time meeting with a financial adviser who is paid by you (not paid on commission) should help you set the right balance of these index funds and be a good check on what i'm advising. if you are willing to do a tiny bit more work it's well worth starting with a heavier weight on the riskier stocks and ex-european funds (more currency risk) and then every 2-3 years slowly move into safer stocks and euro-based funds.  with that tiny amount of extra work there you can make it much more likely that you will end within your 4-6% range while taking significantly less risk overall.
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