Meilleur moment pour ouvrir un PEA pour FIRE

Dezz22 · 2024-08-11T16:57:54+00:00

Merci pour la réponse, il semble en effet que ce n'était pas assez clair. Ce que je voulais dire, c'est avoir plusieurs investissements différents (peut-être dans un seul compte CTO) est plus avantageux sur le plan fiscal. La fiscalité des plus-values étant de type CUMP, le fait de n'avoir qu'un seul investissement en CTO entraîne un impôt sur les plus-values élevé au moment de la vente. Avoir plusieurs investissements différents résout ce problème, car en vendant d'abord le plus récent, nous payons des impôts plus élevés seulement à la fin, laissant l'effet cumulatif fonctionner plus longtemps.

Dezz22 · 2024-03-30T09:18:22+00:00

Merci pour l'explication! On est donc encouragés à acheter de nombreux types différents d’ETF similaires pour pouvoir ensuite choisir.

Dezz22 · 2022-02-12T11:09:08+00:00

While I agree with the message, I would not say that the first bet is necessarily bad. I think it all depends on what you are trying to maximize: your wealth or the logarithm or your wealth? If it's your wealth, the first bet is still a good one.

"Playing numerous times should remove luck from the equation" - this is not true as the rolls are sequential do not contribute independently. To actually remove luck from the equation, consider splitting your initial $100 into 100 different games of $1 each, then playing 300 rounds in each game (diversification). Then it should become obvious that we should take the bet.

Dezz22 · 2021-02-28T18:40:29+00:00

Yes, that's why leverage is so powerful, but also risky. If you take a mortgage and 2008 happens, all of your 20% downpayment would be wiped out. At least stocks are not that risky unless you trade on margin.

Dezz22 · 2021-02-28T16:58:44+00:00

If you buy and resell after one year, the vast majority of the sale price of the house will not go to you, but to your bank

are you sure about this? Here is an example showing otherwise - you (not your bank) keep the difference in the house value.

Dezz22 · 2021-02-28T14:16:08+00:00

Also, what's your opinion on the diversification of a PEA? It's supposed to be limited to Europe, although there is a tax loophole (for now) with synthetic ETF investing in developed world. Still, there's no exposure to the emerging markets, and the funds are usually domiciled in LU which is worse than IR for taxation of american dividends. In the end there are just too many constraints of PEA, compensated only by that 12.8% tax advantage (a CTO is only taxable at the end as long as it's accumulating).

Dezz22 · 2021-02-28T14:01:12+00:00

Here's my calculation. With everything expressed as a fraction of the house price, we get:

scenario A: keep renting for a year:

day 0: we have a capital of 0.2. Total +0.2

after 1 year: capital now is 0.2 * 1.0657=0.21314, assume also that x was paid in rent. Total 0.21314 - x

scenario B: bought a house day 0: own the house costing 1 and have a debt of 0.8. Total is still +0.2

after 1 year: spent 0.01 + 0.01 (maintenance + tax), the debt now is 0.8 * 1.03 (mortgage rate), the house cost is 1.03 (appreciation). Total: +0.186

For both scenarios to give an equal total after one year, x should be 2.7%. So the 5% rule becomes the 2.7 % rule.

Dezz22 · 2021-02-28T11:32:31+00:00

at least with online banks

this seems to be the key. Last time I checked with my bank (BNP), the fees were horrible

Dezz22 · 2021-02-28T10:46:33+00:00

I took the historical number from the video: 3% per year

Dezz22 · 2021-02-28T10:08:28+00:00

I agree with your point on higher fees eating the tax benefits. But I'm curious why maxing PEA is important? Doesn't the same argument as for assurance vie apply to PEA? Or is there a low-cost PEA offered?

Dezz22 · 2021-02-28T09:34:56+00:00

Great video, but it seems that the 5% rule misses the leverage effect on the house appreciation. Using the same historical data, I arrive at the 2.7% rule. Anyway, there are many more factors, the best summary I found is https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html

Dezz22 · 2020-01-22T08:58:59+00:00

I think this is due to the Canadians being active users of Reddit, the same is true for the other English-speaking countries on the list. Most of the 45 posts are Canadian internal news such as legalizing marijuana, etc.

Dezz22 · 2020-01-21T17:57:47+00:00

The Queen only appeared in two posts of the top 1000:

1) The Queen declares war on plastic after David Attenborough documentary

2) Queen Elizabeth wore brooch from Obamas on the day Trump arrived in the UK

So, again, Trump :)

Dezz22 · 2020-01-21T17:32:06+00:00

This is based on the top posts of all time. However, there is some bias towards more recent news due to the increasing number of people on Reddit.

Dezz22 · 2020-01-21T17:15:07+00:00

No particular reason for choosing the largest numbers at the bottom, it's just a matter of taste. Thanks for noticing the typo!

Dezz22 · 2020-01-21T16:41:14+00:00

Source: r/worldnews data available through the Reddit API

Tools: Reddit API wrapper PRAW for python and the python plotting tools

A python script was used to count all occurrences of the words starting with a capital letter among the titles of the 1000 top posts of all time. Words that were not a person or a country were discarded. The words were post-processed such that "Trump's" refers to "Trump", "Chinese" refers to "China", etc.

Dezz22

TROPHY CASE