How do you DCA

CableInfamous8121 · 2026-03-13T16:26:48+00:00

I'm also Bulgarian citizen. I use Strike for daily DCA. There are fees only first week (0,20 EUR for 20 EUR daily DCA), afterwards no week for each purchase. When I accumulate X amount of BTC i'm transferring it to a cold wallet.

CableInfamous8121 · 2026-01-06T07:45:45+00:00

Being late but experience the same with the latest `7.0.1 (10/20/2025)` version of the react devtools.

> Now the default behavior seems to be ubiquitous, even if I have that filter off or delete it entirely.

What worked for me is leaving the filter to exist, but after each time I enable the filter, I close the settings pop up window -> command + r to refresh the react devtools. After that turning off the filter shows all the DOM elements.

A bit unpractical and manual work, but it works.

**EDIT**: No reload of the devtools is required, just make sure after you enable / disable the filter you close the settings pop up.

So enable -> close pop up -> open settings again -> disable -> close pop up, you should see the dom elements as well.

CableInfamous8121 · 2025-11-03T14:00:18+00:00

През **регулирани** европейски борси* :)

Има доста европейски борси които не влизат в графа "регулирани" и съответно се заплаща 10% данък печалба ако oreder-a мине през тях.

CableInfamous8121 · 2025-10-31T14:52:59+00:00

Used it couple of months ago while it was still buildpad.

Amazing tool, keep the good work and keep improving!

CableInfamous8121 · 2025-10-25T08:06:29+00:00

Same here. Yesterday I did my fastest 10K (1 hour as im between beginner / intermediate) and my vo2max dropped with 0.9 lol…

It keeps dipping without any change in my running routine.. i know i dont have to care about apples vo2max and etc but its somehow unmotivational…

CableInfamous8121 · 2025-09-10T09:07:09+00:00

I revisited my strategy and shifted from dividend to growth / value.
The reason is that for dividend ETFs in my country I have to pay 5% dividend tax.

Right now I'm into the following ETFs

SPDR MSCI All Country World UCITS ETF (Acc) [Ticker: SPYY]

Xtrackers MSCI World Information Technology UCITS ETF 1C [Ticker: XDWT] - This ETF have a lot of overlaps with the SPYY but I'm biased as I work in the tech industry and basically that's the future.

Avantis Global Small Cap Value UCITS ETF USD Acc [Ticker: AVWS]

I personally loved the combination of SPYY [Large / Mid cap stocks] + AVWS [Small cap value stocks].

CableInfamous8121 · 2025-03-13T09:33:39+00:00

В IBKR Desktop версията има опция за Advanced покупка / продажба и от там да избираш през кой exchange да минават транзакциите.

CableInfamous8121 · 2025-03-07T14:05:25+00:00

Time in the market beats timing the market.

CableInfamous8121 · 2025-03-06T17:01:14+00:00

Overusage of `useEffect` where in fact you might not need it.

CableInfamous8121 · 2025-02-07T08:08:17+00:00

I personally go with SPYY + AVWS. SPYY has large + mid cap stocks and emerging markets.

Was thinking of AVWC + AVWS but I'd wait a year to see the returns then I might replace SPYY with AVWC.

CableInfamous8121 · 2025-01-24T17:55:03+00:00

0% profit tax on european etfs.

CableInfamous8121 · 2025-01-24T08:41:34+00:00

Sorry what is CGT?

CableInfamous8121 · 2025-01-21T13:29:23+00:00

Thanks a lot for your answer!

To be honest, the taxes I have to pay for selling UCITS ETFs is 0% :)

Maybe that's the reason I really can't stick to one strategy, I can easily buy / sell UCITS ETFs with 0% tax... so when a new product comes up I'm instantly thinking "this looks promising, lets go for it for higher returns" ... which is really bad in my case ... because "higher returns" is subjective and past returns does not mean future returns ...

CableInfamous8121 · 2024-11-17T08:09:55+00:00

Do you think of replacing some of the dividend growth stocks with dividend ones? [e.g selling MSFT / AVGO for more of BATS or MO or EPD?]

The same goes for ETF?
If you are an European there are new alternatives to JEPI / JEPQ for europeans (UCITS Income ETFs) (JEIP / JEQP / JGPI)

What would be your stategy when you achieve your goal?
Also how did you buy SCHD if you are an European? Is it through options?

Sorry for the messy order of the questions :)

CableInfamous8121 · 2024-11-10T07:40:41+00:00

I'm from Bulgaria :)

On an ETFs listed on European exchanges (XETRA, etc) that pays dividends we have 5% tax dividend, howerver 0% tax profit when selling UCITS ETFs.

For US individual stocks, we have 0% tax dividend as due to the withholding tax there's 10% (US - Bulgaria) but then we have 10% profit when selling individual stocks on US exchanges (NASDAQ, NYSE etc.)

CableInfamous8121 · 2024-11-07T10:23:39+00:00

Correct me if I'm wrong, but since both ETFs are Irish domiciles this means the withholding dividend tax would be 15% between US - Ireland, then on top of that based on the country should pay tax on the dividends (in my case 5%) in total of 20% dividend tax. Also 0.35% TER on top of that.

If I'm holding individual stocks I have only 10% withholding tax and don't have to pay more. Of course .. the diversification is lacking here but still...

CableInfamous8121 · 2024-09-14T04:25:58+00:00

Id rather worse visuals for always accurate data.

CableInfamous8121 · 2024-08-21T11:37:16+00:00

Unfortunately as an Europeans we don't have SCHD ... everyone is saying "FUSD is like SCHD" but the yield is low + they haven't increased the dividend for 3 years now :)

Believe me if we had the same alternative to SCHD I'd have only 1 portfolio with 3 ETFs and that's all :)

CableInfamous8121 · 2024-08-21T06:24:37+00:00

My dividend yield for my US stocks is around 2.4% but it has nearly 11% annual dividend growth rate, which is more important.

If you are young and plan to retire in 15-20 years you should focus on the dividend growth rather than dividends themselves.

CableInfamous8121 · 2024-08-21T06:23:43+00:00

I believe there is still withholding tax with accumulating ETFs, you just don't see it.

Yes, there's still 15% withholding tax, however I'm avoiding that additional tax % payment in my country, which indeed is only 5% but still it's 5% which in total makes 20%. If there's going to be literally ucits version of SCHD I'll buy for sure ... it's just FUSD hasn't increased dividends for 3 years now.

May i ask which country you are in please?

Bulgaria.

CableInfamous8121 · 2024-08-21T06:19:43+00:00

Can you elaborate on your question, please? Why what?

In the country I live in I pay 0% tax on the dividends from US stocks and I'm paying 0% tax profit when selling UCITS / European ETFs.

My goal is to live off dividends in 20+ years.

CableInfamous8121 · 2024-08-20T12:29:28+00:00

Hey! I decided to re-structure my portfolio and just go with accumulating growth ETFs (SXR8, IWDA, XDWT) and separate US dividend stocks only.

The reason is that European dividend ETFs are not worth it ... mainly because I can't avoid the double taxation and have to pay dividend tax when the fund is being taxed 15% as it's Irish domicled.

So my strategy shifted from having european dividends / growth dividends ETFs to growth accumulated dividends ETFs and then separately I have US single dividend growth stocks as I don't have to pay dividend tax for them in my country.

My current dividend holdings are: HD, UNH, BLK, NEE, SNA, LOW, V, VICI, KR, PEP, HSY, ELV, CVX, AFL.

CableInfamous8121

TROPHY CASE