Posts
Does the 4% rule even apply anymore when it comes to index funds?
Everyone keeps repeating that VOO does \~9% a year long term. So I bought the UCITS version in Europe (VUSA) back in December 2024 at €109.5. It’s basically the same price today. So… where’s the 9%? Honestly, where does the 4% rule even show up here? I know “long term” …
Netherlands parliament passes insane new law to crush investors
The Dutch lower house just passed a 36% capital gains tax on unrealized equities and crypto gains, in a move likely to spark mass capital flight. The bill, called the Box 3 tax, still requires approval in the Senate. Under the [new law](https://finance.yahoo.com/news/dutch-lawmakers-advance-36-capital-092300720.html), if your $50k in stock investments rises …
Does classic index fund advice work in Emerging Markets?
What is the general consensus around active vs passive management in Emerging Markets. The classic advice especially with boggleheads is low fee index funds over long time horizons, which does consistently beat active management. However, a lot of this advice is for developed economies and provide examples in developed economies. …
30 years old, long-term ETF plan - looking for feedback
I’m 30 years old and I’m trying to finally put some structure into my investing and think long-term, not gamble or chase quick wins. I’d really appreciate some outside opinions. Current situation: Right now my portfolio looks like this: iShares Core S&P 500 UCITS ETF – \~€1,900 DB Physical Gold …
Is AI turning the world into Detroit?
Maybe I’m being too pessimistic, but AI automation these days feel like they are starting to hollow out jobs faster than new ones appear, and that can shrink demand across whole industries and companies. When fewer people have stable income, local businesses struggle, investment slows, and the cycle feeds itself. …
Long-term investing is research heavy. Why is structured data still so hard to access?
One thing I’ve noticed in long-term investing discussions is that we focus heavily on valuation models and thesis building but rarely talk about the infrastructure behind our research. Pulling consistent historical data across multiple companies is harder than it should be. Clean multi-decade price history. Standardized metrics. Cross-market comparisons. Institutional …
Invest in USD or local currency? ☺️
In Egypt, most APYs on ETFs here are over 20% Due to high inflation rate, weak currency, etc Should I invest in USD even if it’s lower APY, or should I invest using my local currency and hoping that it’s not gonna take a big hit? Tbh, with all the …
AXT still a good buy after its insane year?
They beat earnings last quarter and will have to see if they beat again this Feb 19 but I’m wondering if it’s still a good buy. It’s had an insane year going from like $1.13 to now $24. I know they have a huge role in AI and the chips …
Why most stock apps make investing harder than it needs to be
I’ve been thinking about how most stock apps are designed, and I’m not sure they actually make long-term investing easier. In fact, many of them feel exhausting. I open them hoping to understand a company better. Instead, I get flooded with charts, indicators, alerts, and numbers I do not actually …
VT and chill but what if I added a little somethin' somethin' ?
Ive been heavily invested in technology for the past year and I'm looking to have better sleep at night. I began investing in a Roth a year ago with 8-10 years to retirement and a pension, so this is to give me more financial comfort. I wish I started in …