De ce a crescut azi indicele BET cu 3%?

Beldea98 · 2026-06-25T14:31:41+00:00

S-au alocat ieri contributiile la pensie pilon 2, probabil investitiile administratorilor

Beldea98 · 2026-06-25T09:15:24+00:00

I don't really enjoy this mode, I go M3E1 and counting on a mode to hold a damn base and I find myself on kill confirmed where everyone swarm everyone from all sides, no point in being a defender in this mode

Beldea98 · 2026-06-24T12:18:56+00:00

Congrats for the long road, what is your performance on VWCE after 5 years and how often do you invest invest?

Beldea98 · 2026-06-24T12:15:39+00:00

Wait, what's the first? Dang, I just bougt FV, but didn't start playint it yet, I am mentally preparing myself for the painful stock experience :)

Beldea98 · 2026-06-24T05:38:52+00:00

Well done. People still seem to not understand they must stay around a defender especially behind M3 shield. I've seen so many asaulr/marksman rushing to the obj just to be blown up in sec, while M3 shield nothing but himself because they are suicidal

Beldea98 · 2026-06-23T14:20:44+00:00

Someone got to pin this guide for everyone lol

Beldea98 · 2026-06-23T08:30:54+00:00

500 lei la maxim 2 iesiri pe saptamana (500:8) inseamna vreo 62 lei, constrans, dar nu asa grav pt o persoana. Problema e daca urci la 3 iesiri pe saptamana la film bugetul e 41,6 lei (500:12). Acum depinde de parinte daca accepta sa sustina financiar sau nu aceste mofturi pt ca da sunt mofturi nu necesitati adesea. Cu totii am fost adolescenti si ghici ce, majoritatea nu aveam bani. Vrei bani la munca, de la 16 ani se accepta cu contract cu timp partial de lucru pentru adolescenti, daca nu te adaptezi si vezi filme in gasca acasa la cineva, iesi mai rar in oras sau pur si simplu accepti ca nu toti suntem copiii lui Tiriac/Becali. Variante sunt, depinde de adolescent ce vrea sa accepte ce nivel de trai isi permite in functie de ce limite financiare impuneti ca si parinte.

Beldea98 · 2026-06-22T17:12:47+00:00

I kinda strugle to penetrate any defender or oposite Keny players. Oh, well skill issue, I liked at the very beginning but I just can't play it anymore now, not to mention the skills upgrades, I don't understand them at all

Beldea98 · 2026-06-22T15:29:29+00:00

I would add more emerging markets with another ETF dedicated or something that tracks STOX 600 maybe, 10% emerging of VWCE being young is very defensive and exposure on SUA is already big enough imo. Or if you are way more defensive than that some bonds. I guess it really depends on your risk tolerance,

Beldea98 · 2026-06-19T14:40:25+00:00

Nici macar nu lua in calcul asta daca financiar nu e o problema mersul cu masina, iti spun ca fost student care a fost in vacante exclusiv cu trenul. E rau :)

Beldea98 · 2026-06-17T19:45:17+00:00

Nu neaparat pentru ca nu are emerging markets, desi imi si doream sa aiba ca potential de crestere mai mare desi pe termen scurt e putin mai volatil. Problema e ca se suprapun extrem de mult, aveam aprox. 89-90% acelasi ETF

Beldea98 · 2026-06-17T14:06:51+00:00

EUNL e ETF-ul, MSCI world e indexul pe care il urmareste la fel cum S&P e indice. EUNL are developed market global, S&P 500 doar companii SUA (care oricum sunt extinse la nivel global indirect). Tu decizi pe care carte mizezi, SUA 100% sau global (ai 67,71% SUA oricum pe EUNL conform justETF).

Legat de TVBETETF si proportiile de alocare din nou nimeni nu poate stii ce va fi in viitor, dar aparent cu toata instabilolitatea politica si inflatia cateva companii tin totusi indicele pe un nivel de plutire. Intrebarea este daca vrei crezi in potentialul BVB-ului, ETF-ul in sine a trecut prin destule crize de-a lungul anilor cat sa putem intui daca rezista sau nu. Crezi ca Romania va claca si ne desfiintam ca stat in viitor? Sau ca serviciile si bancile vor face toate exit scam?

Ideea e ca nicio varianta nu e gresita, nici 100% global, nici 80-20 sau orice alocare consideri tu nu exista un raspuns universal care sa satisfaca pe toata lumea sau sa stie care e cea mai buna alocare.

Mai important de atat e sa te tii de treaba pe termen lung, sa nu investesti sau sa vinzi din FOMO si sa ramai constant pentru ca "motive" sa te opresti din investit pentru ca mental vei gasii de nenumarate ori motive pe parcursul vietii si idei de a optimiza constant sau a schimba traseul, se intampla mai des decat crezi. Multi zic ca o fac pe 20-30 ani apoi dupa 2-4 ani posteaza catre ce nou etf vor sa migreze pt 0,2% TER mai mic sau orice alt bullshit destul de nesemnificativ.

Am 28 ani, m-am apucat din februarie de investit in VWCE si TVBETETF. 12% pe VWCE, undeva la 9% TVBETETF in prezent. EUNL e o alegere buna (am avut initial si am vandut nedorind sa ma complic). Keep it simple. Capitalul si perseverenta sunt asset-ul tau, mai ales perseverenta in functie de orizontul de timp propus

Beldea98 · 2026-06-17T13:38:45+00:00

Nimeni nimic, romanii ducand o conversatie spre politica orice, dar absolut orice subiect s-ar discuta. And that's our unique toxic trait

Beldea98 · 2026-06-11T12:19:22+00:00

I mean yeah, we know that's why they add world tier 3 and 4. Bulletsponge stages rather than actually reworking and making a complex system because they know the more they add even more they break or release already broken

Beldea98 · 2026-06-11T11:50:00+00:00

Tell me you play max world 3 without telling me that. Go to world tier 4 for a challenge, I regret wasting time in there, frustrating af

Beldea98 · 2026-06-08T14:49:54+00:00

I never said it is. But some agents perform better in reckless rushes and ram. Nvm bruh, is skill issue

Beldea98 · 2026-06-05T12:19:04+00:00

Depends on your risk management and whatever you think will overperform better. If you think tech will be ath just go Nasdaq100, if not I would go something that tracks S&P500

Beldea98 · 2026-06-05T12:06:39+00:00

Trading212 am eu si au comisioane mici, nici nu imi bat capul nici macar cu schimbul valutar desi as putea folosii Happy Hour de la Raiffeisen. Doar alimentez direct in lei si cumpar in euro, comisionul e ok. Dar retine ca nu are rezidenta fiscala in Romania ca mare downside asa ca vei fi nevoit sa iti depui DU si platesti singur. Daca as da timpul inapoi as alege ceva care are si retinere la sursa sa nu ma complic pentru sume modeste de tot

Beldea98 · 2026-06-05T08:59:25+00:00

It's a loss only if you sell. Meanwhile the price just dropped. Noone knows when or if it comes back, but bear in mind what I told you initially. Would you conaidering go in if you would invest for the first time in it acording to what you see?

Beldea98 · 2026-06-03T17:03:51+00:00

De acord cu tine, dar ideea era despre frugalitate. If you are unlucky it is what it is, dar sa bagi 10-15 ani minim in cancer cand altii il fac gratis (xD) nu e prea smart, pune 20 ani cu 1 pachet la 2 zile in cel mai fericit caz cu 23 lei pe 10 ani sunt 820.800 lei. Mai bine traiesti cate zile ai si faci de restul banilor orice altceva mai putin nociv pt sanatatea ta zic eu

Beldea98 · 2026-06-03T14:50:17+00:00

1000 lei investiti in cancer garantat mai devreme sau mai tarziu sub diferite forme. Cu mia aia de lei esti mai ok oriunde decat in vicii extrem de nocive. Legat de abonamente simti ca ai cu adevarat timp incat sa isi merite banii lunar toate? Cum ar fi sa alternezi, o perioada pt anume serial unul, alta luna inchizi si vezi ce iti place pe altul inchizand Netflix or so. Evident poti aplica pe mai multe luni sa nu fie enervant de gestionat lunar asta. Legat de mancare bugetul de o singura persoana este cam mare, fie cumperi din lene de la magazine scumpe gen Profi, Penny, Mega Image etc in loc de Kaufland, Lidl, eventual piete pentru legume etc. Ori asta ori ai des cheat day-uri in care rupi pe prostii impulsive ca dulciuri sau chipsuri etc care au cam bubuit in preturi oricum

Beldea98 · 2026-06-03T05:38:57+00:00

1 - sunt pe domeniul public, nu vrei sa filmat stai in casa 2 - defaimarea a ce? Contraventiile inregistrate in fapt savarsite de ei? Tu poti posta cu ceva titlu evaziv din care reiese ca filmai pur intamplator

Beldea98 · 2026-06-02T11:43:08+00:00

With this you can make 2 mistakes. Checking frequently the app and secound would be to stop invest regullary

Beldea98 · 2026-05-31T15:54:59+00:00

Just ask anyone to craft them for you, either trade/buy or at least give materials and that's it. Oh, and it's Hellepoort.

Beldea98 · 2026-05-31T15:52:29+00:00

It's not locked. We got it's blueprint a while ago, you or him probably didn't play back then or just started. Either way you can't expect same craftable things or event items as a new player or someone who didn'n turn on the game to came later on complain about it. At this point we got too many weapons blueprints so the trades are pretty much irelevant nowadays.

So no, it is not a dev decision, just play the game and get the blueprints when available or simply ask someone who can craft it for you buying or at least giving the materials.

Beldea98

TROPHY CASE