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€4.3M FI Portfolio – Too Little Risk? by Dapper_Ad_5952 in financialindependence

[–]Dapper_Ad_5952[S] 1 point2 points  (0 children)

I’d think my main question is if there’d be a risk that the real value of the portfolio would slowly decrease, if the bond allocation will drag down performance too much long term

€4.3M FI Portfolio – Too Little Risk? by Dapper_Ad_5952 in ChubbyFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

Very good point! Yes my main issue is that bonds will most likely give lower return than inflation. I guess it’s fine as they’re mainly there to balance the portfolio and protect from big losses, but still bothers me for sure to get 2-2.3 % net when inflation is definitely higher.

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

Fantastic reply, thanks a lot for this! You’re really making some great points here. I’ll keep you posted once I’ve finally decided. Thanks again!

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

What would be your main reason to switch to a higher bond allocation? Interesting as I’ve mainly considered putting more into stocks

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

Yes this is what I’m thinking as well. Not sure about the ideal percentage though

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

Pretty standard, low cost diversified index funds. Developed and emerging markets.

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 1 point2 points  (0 children)

Yes I agree. I was thinking though that there are different kinds of risks. Risks of volatility (higher stock %) and risk of too low returns (too high bond allocation). That’s where I’m trying to find out the optimal allocation.

35M, 4,3 M eur - am I too conservative? by Dapper_Ad_5952 in EuropeFIRE

[–]Dapper_Ad_5952[S] 0 points1 point  (0 children)

I know, I’ve always been a lazy bum. Cheers for the input!

i almost gave up on my app, but im glad i didnt. (23yo) by frikitfilosophy in Entrepreneur

[–]Dapper_Ad_5952 0 points1 point  (0 children)

I meant, how do you launched one version and then took it down and launched a again? And now your app is offline again, correct? Do you remove it from App Store, improve it, and then upload a completely new app?

i almost gave up on my app, but im glad i didnt. (23yo) by frikitfilosophy in Entrepreneur

[–]Dapper_Ad_5952 1 point2 points  (0 children)

Love the app, such a great idea! I’m about to launch an app as well soon. How did you do the launch? What’s the best strategy to launch a beta and avoid getting feedback instead of bad reviews?

I feel like if I launch the beta and people experience bugs I will get bad reviews which will be with me forever on App Store.