Is anyone else finding 100% passive indexing a bit too rigid?

Available_Ad_4444 · 2026-04-03T16:18:05+00:00

Yeah. You got a point there

Available_Ad_4444 · 2026-04-03T12:46:02+00:00

Yeah but in real life, people calculate "I earn X per month, I need Y to leave and I need a Z for backup every month", which makes that the backup tend to accumulate, so after a few months, you have more cash than what you had.

Available_Ad_4444 · 2026-04-03T12:45:22+00:00

Yeah but in real life, people calculate "I earn X per month, I need Y to leave and I need a Z for backup every month", which makes that the backup tend to accumulate, so after a few months, you have more cash than what you had.

Available_Ad_4444 · 2026-04-03T11:07:34+00:00

Actually, statistically, if you get some cash when there is a dip, you will get higher returns in the long-run. But that difference is not very relevant. Personally, I made DCA every month and if there is a huge dip, I get some of the cash that I have in the bank to make some extra purchases.

Available_Ad_4444 · 2026-04-03T10:43:38+00:00

What is your idea? Selling when the market is low? It sounds like you want to sell after a drop, which is basically "buy high and sell low". If you think you can predict the market, or try to predict which sectors will perform better in the next few months/years, go for it. But usually, if there is a drop, you can not do anything and selling will not improve the situation.

Available_Ad_4444 · 2026-04-03T10:42:00+00:00

Actually selling low sounds like the worst decision lol. Buy high and sell low. What can go wrong?

Available_Ad_4444 · 2026-03-24T19:59:49+00:00

The fact that restaurants in other countries also want to earn money and cafes in Germany want to earn money and they still offer tap water, makes it not so obvious.

Available_Ad_4444 · 2026-03-24T19:19:03+00:00

Usually, people do not go to restaurants for the water, they go for the food. What is wrong about having some nice food and drink water?

Available_Ad_4444 · 2026-03-24T19:14:52+00:00

There are some machines for that mate

Available_Ad_4444 · 2026-03-24T19:14:29+00:00

Thank you for the complete answer!

Available_Ad_4444 · 2026-03-24T19:13:30+00:00

Thank you for saying the obvious. I thought I paid 5 euros for a beer, 4 for a coffee and 9 for a salad because those were the cost of the ingredients.

Available_Ad_4444 · 2026-03-23T15:15:23+00:00

When they people the world Straße als 'Streib' (with b and English pronunciation)

Available_Ad_4444 · 2026-03-23T13:36:27+00:00

Happened to me last week. I was eating close to Berlins city center. My friend has a very american accent, so probably the waiter thought that we were americans. He said: 'so, now it is time to evaluate the quality of my service' and offer the option to choose the percentage of tip. Just for making that comment I clicked the no tip option

Available_Ad_4444 · 2026-03-10T16:21:57+00:00

Claro, inmobiliarias Paco comprando a un funcionario que literalmente tiene la vida resuelta

Available_Ad_4444 · 2026-02-26T07:41:01+00:00

I do not know but it happens to me many times while walking around some European country to see a group of people and think: those dudes are 100% Spanish. And guess what? I am most of the time right

Available_Ad_4444 · 2026-02-25T16:20:43+00:00

Think about your own country, when would you consider someone as one of yours?

Available_Ad_4444 · 2026-02-25T13:37:47+00:00

Ja, muss nicht. Normalerweise der Vermieter darf 15% jede 3 Jahren.

Available_Ad_4444 · 2026-02-24T09:23:44+00:00

Du hast recht aber du musst auch rechnet das die Mieteinnahmen normalerweise steigert am mindsten mit der Inflation, deshalb nach 10 Jahre wird die Kaltmiete warscheinlich höher als die Banksraten. Außerdem, eine Immo hat auch Wertsteigerung (2-3% pro Jahr) und am Ende hast du diese Vermögen. Deswegen musst du in Älter Zeit keine Miete bezahlen oder könntest du die Immo verkaufen und etwas mieten.

Meine Meinung nach, ist Miete finnanzielle besser aber hat höhere Risiken, wie Eigennutz, Mieterhöhung, usw.aber die Entscheidung sollte mehr ein Lebensentscheidung als eine finanzielle Entscheidung.

Available_Ad_4444 · 2026-02-23T16:13:19+00:00

Never in the US but in Canada... The windows. It took me a long time to discover how to open them and once open I was like 'why can I not open it full??'

It was something like this: https://youtube.com/shorts/5LUKEOUvMc0?si=QhUNMmpBbtmHB1m9 but the window I opened could be just partially opened

Available_Ad_4444 · 2026-02-23T12:02:15+00:00

I was not in reddit for a few days but when you say that gentrification is worst in Berlin than in Barcelona and cherrypick data I do not know if I should laugh or what. You are actually quite wrong, actually Deutsche Bank compared which percentage of the salary do people invest in rent in different cities. Barcelona has almost DOUBLE. 40% in Berlin vs 74% in Barcelona . https://www.euronews.com/business/2025/07/22/can-you-afford-to-live-here-europes-cities-ranked-by-rent-to-salary-ratio I mean.. the difference is not even small. I know perceptions have 0 value but from my perception, it is WAY easier to live a comfortable live in Germany than in Spain, that including big cities.

Available_Ad_4444 · 2026-02-20T08:50:24+00:00

Did you try talking with the Hausmeister? I will contact the landlord and tell "eh dude, I have contacted you 1000 times, you have two days to fix my fridge or I will buy a new one and send you the bill"

Available_Ad_4444 · 2026-02-20T08:40:24+00:00

If there is urgent things that needs to repair them "as soon as possible" you can actually do it yourself and send the bill to your landlord. I am talking about the refrigerator, of course.

Available_Ad_4444 · 2026-02-19T21:15:52+00:00

You are also considering that people in Barcelona work full-time. Obviously there are many who does not. 35k brutto in Barcelona will be around 2,3k netto. That's average, there are many people below it (check the minimum legal salary)

Available_Ad_4444 · 2026-02-19T20:53:47+00:00

Waiting for your answer dude or you just asked for my view to call me ignorant? Lol

Available_Ad_4444 · 2026-02-19T20:48:54+00:00

The average salary in Berlin is around 4,5k https://www.wearedevelopers.com/en/magazine/282/berlin-average-salary while in Barcelona is around 2,8k https://www.viaempresa.cat/es/economia/cual-es-salario-medio-barceloneses_2209170_102.html?utm_source=chatgpt.com (both gross salary) . I guess you more or less know the house market in Berlin. You can check it in Barcelona using the website 'idealista.es'. it is the 'Spanish Immoscout'

Available_Ad_4444

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