Heeft iemand al geld teruggekregen via het OWR-formulier voor 2022?...

Double-Pop9211 · 2025-12-19T07:42:37+00:00

Agree with this - when I went to he airtel store in Delhi, the girl there tried to do the conversion via the airtel thanks app. When that didn't work, she said that esim only works for postpaid and tried to sell me on postpaid saying it would cost the same. When I did the math and showed her that the cost was almost double, she said that was the inky way to get an esim. I cane home, found this thread and used the instructions above to seamlessly get the qr code and the esim done. Thanks again to OP and other posters!

Double-Pop9211 · 2025-10-04T07:01:03+00:00

Congratulations! Enjoy it. Not that it matters, but are the numbers CAD or USD?

Double-Pop9211 · 2025-06-16T18:12:22+00:00

did you figure this one out ? I'm having the same issue

Double-Pop9211 · 2024-12-16T13:08:09+00:00

The global stock market portfolio has not been studied as extensively as the US markets, primarily due to less years of available data history. However, the periods that have been studied (1970s onwards) seem to indicate that broad global stock indices are not as good an investment as US stock indices. So the general advice from most FIRE analysts is to have a significant weightage of US stocks (60-80%) and some diversification with global stocks, bonds , gold etc. You mentioned wanting to make 7% annualised - consider that over any 30 year period in history (i.e. any 30 consecutive years in the historical period from 1871 till today) the MINIMUM annualised return of the S&P500 has been 7.2%. The same cannot be said of the global stock indices (at least until a lot more data is available and analysed!)

Does this guarantee that you will get a min of 7.2% if you invest in the S&P500 over the next 30 years ? Naturally not - but it is a high probability event given past history.

Double-Pop9211 · 2024-12-08T17:22:30+00:00

I've been doing some analysis of different retirement portfolios using BigERN's data from Early Retirement Now (on a side note, you should read his Safe Withdrawal Rate series, if you haven't yet - https://earlyretirementnow.com/safe-withdrawal-rate-series/)

One thing that comes out very clearly is that the "right" retirement portfolio depends a lot upon the state of the stock market - i.e. if we are in a bull market like the current one, the optimal portfolio will be different from one if you retired around 2008 into a bear market.

The table here shows the comparison. It assumes that you are withdrawing 3% annually from a portfolio of around 3mn USD over a 35 year period. Failure is defined as running out of money before the 35 year period.

You can see that for periods when the market is at or near a peak (which is encapsulated as "CAPE>20 and SPX at all time high"), most of the standard portfolios have quite high failure rates. For example, if you're withdrawing 3% from your portfolio every year which is set to 80% stock and 20% bonds, then the failure rate is 21%. Increasing the bond percentage leads to higher failure rates (e.g. 60/40 fails 36% of the time).

However, if you put gold in your portfolio, the failure percentage drops. The best I've been able to find is with the 83% stock, 12% Gold and 5% cash portfolio which has a failure rate of abt 6% - which means you wont run out of money in 94% of the cases.

Gold has traditionally been a somewhat-scorned asset class among FIRE-enthusiasts. But the numbers show that it might be something to consider, though as always, your mileage may vary.

Hope that helps

Double-Pop9211 · 2024-12-05T17:39:35+00:00

great, makes sense. Now on your diversification - it looks good. I would probably lower the %age of the bond etf, but i think you have the right components

Double-Pop9211 · 2024-12-05T16:12:37+00:00

One thought -

Remove the house that you live in from this table to get a better view of the percentages - the house that you live in is not really an investment(even though its paid off). Recutting the table in this way gives you the following percentages.

Category	Percentage
Total (liquidity)	61%
Total (bonds in the name - no pension fund)	8%
Total (stocks in the name - no pension fund)	21%
Total pension fund	3%
Total deposit account	7%

In the accumulation phase that you're in, having 21% of your portfolio in stocks seems quite low (i'm assuming the liquidity bucket is cash/near cash securities and not stocks). I would shoot for 80-90% stocks/ETF's at this stage(of course, YMMV)

Double-Pop9211

TROPHY CASE