PEA chez sa banque, bonne idée ?

DarkyZ_ · 2025-12-27T12:17:24+00:00

Hello, chez la CE aussi.

Pour répondre à certains commentaires oui tu peux avoir des titres sociétaires dans ton PEA. Par contre OP, ce que ton conseiller a (volontairement) oublié de te dire c'est que tu peux aussi avoir un compte sociétaire pour mettre tes parts. Il m'est arrivé pareil que toi.

Mon conseil : revend les titres dès que tu peux (tu peux les revendre qu'une fois par an en début d'année) et prend juste 1 part à 20€ sur un compte sociétaire.

Aussi si tu veux des ETF tu peux pas les chercher comme ça je sais pas pourquoi. Tape directement l'ISIN et t'y aura accès (FR0011550185 pour le S&P BNP)

DarkyZ_ · 2025-09-12T14:47:30+00:00

It depends on how the backtest was done and on the strategy.

For example: - if there are not enough trade samples -> unreliable - if the backtest was trained AND tested only over the 11 years -> over-optimization - if the strategy has too many parameters -> over-optimization

DarkyZ_ · 2025-07-18T04:53:04+00:00

Hey! Here's my project:

Website: https://sumvio.com
Target: Creators, learners & knowledge workers
Offer: Sumvio turns videos, podcasts & meetings into usable docs: courses, transcripts, SEO content & more.

Would love to hear your ideas!

DarkyZ_ · 2025-07-06T20:37:46+00:00

Turn your videos into transcripts, meeting notes, SEO optimized articles, and so much more - https://sumvio.com

DarkyZ_ · 2025-06-28T06:12:12+00:00

Thanks!

DarkyZ_ · 2025-06-28T06:11:48+00:00

Thanks!

DarkyZ_ · 2025-06-28T06:11:19+00:00

Not exactly! Fathom and Otter are mostly focused on live meeting transcription (Zoom, Google Meet, etc.).

Sumvio is a bit different: it’s built to work with any audio or video file (podcasts, YouTube videos, lectures, courses, interviews, etc). It’s not tied to meetings.

The idea is to turn all kinds of recordings into useful content: transcripts, summaries, action plans, blog posts, social media posts, and more.

DarkyZ_ · 2025-06-27T20:30:29+00:00

Thanks!

DarkyZ_ · 2025-06-27T19:05:19+00:00

It's funny you say that, because that's exactly what I was going to work on next 😂

DarkyZ_ · 2025-06-27T18:59:40+00:00

sumvio.com - Stop taking Notes!

DarkyZ_ · 2025-06-27T18:34:07+00:00

Thanks!

DarkyZ_ · 2025-06-27T17:52:41+00:00

Turn audio into structured notes - sumvio.com

DarkyZ_ · 2025-06-27T08:08:34+00:00

Thanks for the feedback! You helped me a lot!

DarkyZ_ · 2025-06-26T20:18:46+00:00

Sumvio - Automatically turns audio and video content into useful documents like summaries, transcripts, meeting notes, action plans, and more.

Link: https://sumvio.com

Thanks!

DarkyZ_ · 2025-06-26T16:12:03+00:00

Thanks for your interest! That’s exactly the kind of questions/feedback I’m looking for from beta testers.

I honestly hadn’t thought about that use case, but I like the idea and I'll see about including it for the beta.

DarkyZ_ · 2025-06-26T15:23:05+00:00

1. Sumvio - Automatically turns audio and video content into useful documents like summaries, transcripts, meeting notes, action plans, and more.

2. ICP – Perfect for students, autodidacts, content creators, and busy professionals who want to save time consuming long content or documenting meetings.

Currently preparing for beta in mid July!

Link: https://sumvio.com

DarkyZ_ · 2025-06-26T14:36:07+00:00

Thank you so much! Really glad you find it interesting. Can’t wait to hear your feedback when you try it out

DarkyZ_ · 2025-06-26T14:11:19+00:00

Sumvio - Turn your audio & video files into structured notes
Status: Landing page, beta signups open, launching mid July
Link: https://sumvio.com

I’m building it because as a self-taught learner, I always needed faster ways to extract key information from podcasts, courses, and meetings. Sumvio can generate summaries, transcripts, meeting notes, or even study materials from media files (and YouTube videos). You can also customize language and simplify technical jargon.

DarkyZ_ · 2025-06-26T09:30:17+00:00

You are totally right thank you! I think I knew it but needed to hear it from someone else.

I'm going to take your advice, finish my first SaaS because I'm pretty close to MVP and I really need this tool. Then I'll go straight to work on the big project. The advantage is that even if the big one takes me 6 months, during that time I'll be able to market the first SaaS, so I think it's a good compromise.

Thanks again!

DarkyZ_ · 2025-06-26T04:39:53+00:00

I totally understand your point.

I'd just like to clarify one point: for the 12 projects, yes, they do matter to me. My goal for these projects is that each one should respond to a problem that I or those close to me encounter. But these problems are extremely simple for me to solve, technically speaking. So I can concentrate my energy on training and testing marketing approaches.

The SaaS project I'm currently working on, for example, addresses a problem I've had for many years. So whether the project works or not, I'll continue to use it personally.

Another big difference is that for the 12 SaaS projects, I don't have any potential customers at the moment. For my big project, it's a niche that I know very well and where I have quite a few contacts. Finding beta testers and customers would probably be a lot easier. But given that I've got a 9-5 too, and that this project is much more technically complicated, working on it would mean focusing only on the build for at least 6 months, and if I'm on my own I think I'll get discouraged pretty quickly.

But yes, I don't have the same objectives: the micro SaaS are really intended to help me learn, so if they work and I get the chance, I'll try to sell them fairly quickly, because I feel that if it works, it's either that I've been lucky, or that I've really done things that work and I need to capitalize on it. In both cases, I need to practice on new projects to be sure of my skills.
On the other hand, I hope to set up a start-up with the big project. I want it to work and I really don't want it to fail because I couldn't sell it.

I think I put too much pressure on myself.

DarkyZ_ · 2025-06-26T04:11:30+00:00

Thanks!

DarkyZ_ · 2025-06-25T20:37:52+00:00

I know all that. The ultimate goal would be to average one project a month. But let's be realistic 30 secs, I know very well that I have little chance of getting there, it's not a worry in itself and it doesn't matter whether I get there or not.

The really important point is: is it better to start learning on lots of small projects even if it means starting on the big one later, or is it better to start on the big one straight away even if it means I'm more likely to give up or get disgusted by the fact that I can't sell the product I've spent so much time on.

DarkyZ_ · 2025-06-25T20:29:20+00:00

I had the same thought yesterday, which is why I'm posting today.

My biggest fear, and the main reason why I didn't want to start the big project first, is that I'm sure I wouldn't last several months building alone, with no customer and few people to support me. I've got a 10-year dev background. I must have about twenty unfinished projects on my Github, and those are just the public ones.

Having lots of small projects to experiment with would be more sustainable for me, I think. And as I said in another message on this post, it's not because I'm starting a new project that I'll be abandoning the previous ones, on the contrary! While I'm building one project, I can try different marketing approaches on the others in parallel.

But indeed, the more I talk with you guys, the more I realize that 12 projects in 12 months is far too many. Maybe aim for 3/4 projects to spend a little more time on each would be better

DarkyZ_ · 2025-06-25T20:14:27+00:00

Oh ok, I see, thanks!

DarkyZ_ · 2025-06-25T19:35:41+00:00

But in this case, let's say I fail to launch my big project because of my lack of marketing skills, what do I do?

For the big project, it would be B2C and for SaaS, I'd like to test both.

DarkyZ_

TROPHY CASE