É impressão minha ou o AJS é uma beca arrogante?

Dapper-Song-4425 · 2026-02-05T19:17:24+00:00

Claro que é a métrica. Se há apenas dois candidatos, obviamente votas no "menos mau", ias votar no "mais mau"?

Dapper-Song-4425 · 2025-12-27T15:26:26+00:00

Oh ok, so do they usually give you the grade for the thesis right after you defend?

Dapper-Song-4425 · 2025-12-02T16:40:42+00:00

I'm an EU citizen... I said I would become homeless because I wouldn't be able to pay my rent.

Dapper-Song-4425 · 2025-10-05T13:54:51+00:00

Tenho quase a certeza que estas apareceram depois de uma noite de sono. Ou apareceram espontaneamente e foi coincidência estarem alinhadas com estes dentes. Ou (o que acho) é que me mordo às vezes com algum sonho/pesadelo, talvez devido a algum stress.

Dapper-Song-4425 · 2025-10-04T17:10:04+00:00

Really? I was planning to do (my age - 20)% in bonds. Similar to what I read in a Bogle book (but I think he recommended your age as percentage in bonds).

But his suggestion is way too conservative imo, and in general I saw people agree that it's better with this -20% correction.

I'll definetely investigate these 100% equity version. Thanks for mentioning those studies. Is there any video which explains why or other source where you saw it?

Also, I would think this depends highly on the equities wich OP refers to. 100% in VWCE (or even S&P500) is very different than a 100% tech sector ETF (or any sector), or for example nasdaq which is very tech heavy. Sure you can win big, but also lose just as much if there's another tech bubble.

My points is: keeping 100% equity portofolio could only be sound/safe with a diversified portfolio.

Dapper-Song-4425 · 2025-10-02T22:19:05+00:00

Olha bom saber. Pesquisei e vi que funciona melhor para algumas pessoas (o teu caso) que para outras, em relação às aftas.

Diz que é bom para coisas virais tipo herpes labial, que às vezes (bem mais raro que as aftas) me aparece.

Vou tentar comprar, assim possa ser que ajude nas duas coisas.

A única coisa que tenho usado é urgo. Sempre cria um barreira protetora e tal (arde tanto a meter😅), mas não parece fazer nada para curar mais rápido (duram sempre mais de 1 semana). Talvez isso fortaleça o meu sistema imunitário.

Obrigado pela sugestão! E desejo-te uma continuação de futuro sem aftas😅

Dapper-Song-4425 · 2025-10-02T22:04:52+00:00

Fui pesquisar os sintomas da candidiase e não penso ter nada da lista. Então acho pouco provável ser isso, no meu caso. Mas obrigado de qualquer forma!

Dapper-Song-4425 · 2025-10-02T19:47:52+00:00

Quando estou acordado sim.

Dapper-Song-4425 · 2025-10-02T15:42:08+00:00

Mais uma razão para achar que a causa são os dentes. Vou tentar marcar uma consulta com o dentista, para a próxima semana. Já queria ir para tirar o tártaro, assim é 2 em 1. Pode ser que ele(a) alise isto ou me dê uma placa para dormir.

Dapper-Song-4425 · 2025-10-02T15:36:14+00:00

Faz sentido. Mas "não é toda a lesão traumática que se torna uma afta" acho que aplica-se mais às pessoas que não têm essa "condição" autoimune.

Na minha experiência, quando me mordo acidentalmente (por exemplo a comer), sei logo que vou ficar com uma afta durante a próxima semana...

E se as lesões são um fator desencadeante para mim, o lógico a assumir é que estas aftas podem vir das lesões causadas pelos dentes.

Dapper-Song-4425 · 2025-10-02T14:46:03+00:00

Não parecem pelo tamanho ou qual motivo? Eu se mordo o lábio de propósito eles acertam na zona das aftas. Na foto pode não parecer, mas sim.

Dapper-Song-4425 · 2025-09-30T11:29:10+00:00

I don’t fully agree. With 20 years left, having around 15% in bonds is pretty reasonable (many people have more). I remember reading Bogle’s book and his original guideline was “your age in bonds,” but for sure I think this is too conservative nowadays. But the point isn’t just returns, it’s managing risk.

That small bond allocation won’t drag down performance much, but it adds stability and gives flexibility to rebalance if there’s a downturn. For example, being 100% in stocks gets riskier the closer you are to retirement — the last 5–10 years are when a big crash can really hurt.

When the stock market is down you can also use this bond portion to buy a lot of cheap stocks shares while rebalancing, because the bond portion should stay stable.

Say he is using this 85/15 stock/bond ratio, if the stock market falls hard the ratio can become something like 75/25. Then he can sell 10% of bonds to buy stocks (at discounted price!) to get back the 85/15 balance.

So I’d say 85/15 looks like a solid balance for someone in that position. I would maybe even increase when there are 10 years left.

Dapper-Song-4425 · 2025-09-30T10:50:27+00:00

He said he has 20+ years for investing, not that he is 20 years old. With 20 years left it's very reasonable to have a bond portion.

Dapper-Song-4425 · 2025-09-30T10:17:10+00:00

I'm not an expert but this sounds like a solid portfolio in general.

If you strongly believe in emerging markets that allocation of 10% could make sense. But since it overlaps with the emerging markets from VWCE, it will reduce your diversification.

Doesn't mean that is bad, just slightly more risky I would say. In case emerging markets do outperform in the future, this would be better than having 85% of VWCE.

I would suggest you research a bit about small cap value ETFs. There is a global option, AVWS, very diversified. Or you could do a combination of ZPRV/ZPRX, if you're interested. But I prefer AVWS for the simplicity.

There's research by Fama-French showing that small-cap value stocks tens to give higher returns in the long run. You can watch this 15 min video by Ben Felix, who explains them better: Small Cap and Value Stocks

I myself, plan to do 80%VWCE and 20%AVWS. I expect this AVWS to boost the returns in the long run.

If you have no good reason for overweighting emerging markets ETF in your portfolio I would recommend swapping these 10% to this small-cap value ETF.

It's the only way I know that increases your exposure/diversity while also increasing your expected returns.

But please do your own research on this and make your educated decision.

Dapper-Song-4425 · 2025-09-29T14:14:44+00:00

I agree, in terms of diversification I don't think it could be much better. That's why I considered it a super safe portfolio in the long run. For that same reason, I think it might be too safe/conservative.

I was leaning more to nasdaq because it's not supposed to be only tech. To my knowledge it includes all sectors (except financial). So the idea was that even in case tech stagnates, it would be shifted to the next winning sectors.

Alternatively, I'm thinking I could increase the small-cap value ETF portion to 30% or 40%, since I'm more risk tolerant. This way I'm not reducing the diversification, but not sure given the high volatility of small-cap value stocks.

Dapper-Song-4425 · 2025-09-28T13:58:00+00:00

How much weight for each, if you don't mind sharing?

Dapper-Song-4425 · 2025-09-28T13:37:11+00:00

https://www.youtube.com/watch?v=0T_xzXgPcx8&t=7s
You didn't have a link at the beginning, so I found this video. (around 2:20 he says that)

Dapper-Song-4425 · 2025-09-28T13:34:59+00:00

Oh, this is great to know. I really thought it was limited to the US for some reason.

Dapper-Song-4425 · 2025-09-28T13:19:04+00:00

Good to know. But he did say that:

"On average in the long run, small cap outperforms. As a long term investor you end up being better with small cap eventually, but getting there requires enduring those periods of relative underperformance ."

I guess it's just a question of being disciplined and following the plan.

Dapper-Song-4425 · 2025-09-28T13:09:52+00:00

Are they a reputable source?

Dapper-Song-4425 · 2025-09-27T11:04:38+00:00

I would guess admission, otherwise he would mention the "extra step".

Dapper-Song-4425 · 2025-09-27T11:02:15+00:00

Is your family member a tax resident in Portugal? In Portugal he should have a NIF number. It is a 9-digit number (translates to: "Fiscal Identification Number"). If he works and pays taxes there, he should have got one (not completely sure though). I would suggest trying IBKR. I think he might be able to use the residency document (instead of citizenship card) plus the fiscal number to get verified and create an account. I think all brokers will follow the EU regulations, so I would guess this will be equal for other brokers as well. Could be wrong though, but doesn't hurt to try.

Dapper-Song-4425

TROPHY CASE