> The main assumption is that one can expect to have a 6-7% return by investing in good ETFs. I have researched a little bit and I don't see how that can be ach

> The main assumption is that one can expect to have a 6-7% return by investing in good ETFs. I have researched a little bit and I don't see how that can be achieved investing in the European bonds/stocks. A reasonable investment strategy involving ETFs will involve investing in companies throughout the whole world. Not just European companies or US companies. Ideally you want to have an investment strategy that maximizes return for your risk profile. That strategy is independent of where you live. There are S&P 500 ETFs in the US and there are S&P 500 ETFs in the EU (try googling for "S&P 500 UCITS ETF"). > At the moment the safest bet seems to park money in monetary/government bonds that however don't return more than 1.5% on average. The "good ETFs" you mentioned that have a 6-7% return are anything but safe. They aren't as "safe" as bonds. the "good ETFs" you mentioned likely invest in companies, the stock market has a high degree of risk and volatility. That is fine in the sense that with greater risk comes greater reward. You should just keep in mind that if you want something safe you shouldn't be looking at anything that invests in equities. > Can somebody provide some suggestion references about good investment strategies with a low risk profile in an european context? I've written a lot about it on my blog: https://indexfundinvestor.eu/2019/05/29/the-step-by-step-guide-to-investing-in-etfs-index-funds-for-european-investors/ https://indexfundinvestor.eu/2019/05/29/the-step-by-step-gui... I also have suggestions to books there.