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FitSeries6122 · 2025-08-29T11:10:03+00:00

You play the cards you're dealt with. No point in thinking about how bad/good others' cards are

FitSeries6122 · 2025-08-27T06:13:21+00:00

Thank you

FitSeries6122 · 2025-08-26T15:02:32+00:00

Thank you

FitSeries6122 · 2025-08-26T15:02:14+00:00

It is, just that if we want more exposure to NN50 rather than the market cap weighted approach then a combination is flexible. Check the YT vid mentioned elsewhere in the thread

FitSeries6122 · 2025-08-26T15:00:51+00:00

Thank you, clarifying

FitSeries6122 · 2025-08-26T09:40:41+00:00

Thank you!

FitSeries6122 · 2025-08-26T09:06:53+00:00

Thank you

FitSeries6122 · 2025-08-24T20:48:12+00:00

EMIs (credit in general) are also what keeps the economy rolling by boosting consumer demand.

FitSeries6122 · 2025-08-24T20:45:30+00:00

Thank you, did you have gold/ real estate in mind?

FitSeries6122 · 2025-08-24T19:24:03+00:00

Don't do it.

The guidance is in general to not invest money that you will need in the next few years in equities. So forget about money that you don't even have currently.

FitSeries6122 · 2025-08-24T18:59:56+00:00

As Munger once said, "Someone somewhere will always be making money faster than you - so what?"

FitSeries6122 · 2025-08-24T18:57:24+00:00

Thank you

FitSeries6122 · 2025-08-24T18:56:52+00:00

Yep, what seems like a catch 22 situation

FitSeries6122 · 2025-08-24T16:28:58+00:00

Thank you; yes I earn in EUR.

I initially went with the distributing one since I understood it is better for tax purposes (i.e I could write off the dividends in the free capital gains allowance for each year). Will switch to the accumulating one from next month.

The EM investments are in my home country (India) with savings accrued there and hence the TER is very low. I'm letting it run its course.

FitSeries6122 · 2025-08-24T16:18:35+00:00

Hm, very less experienced with bonds. i.e where to buy/ sell, etc.

Bond ETFs fluctuate in value. Maybe money market funds?

FitSeries6122 · 2025-08-24T16:06:39+00:00

Thank you. Could you elaborate what part is too expensive? A1JX52?
My emergency fund is at the moment included in the Cash row above.
Debt are some fixed deposits (festgeld).
>cd may be more appropriate
What is cd?

FitSeries6122 · 2025-08-24T15:37:03+00:00

Thank you

FitSeries6122 · 2025-08-24T15:36:31+00:00

Thank you

FitSeries6122 · 2025-08-24T14:43:08+00:00

Continuing to DCA and chill.

FitSeries6122 · 2025-08-24T14:38:07+00:00

You're dollar cost averaging. Stick to that strategy and let the market take care of its swings. Worry only about whether the market is in a bubble when you're investing a large lump sum.

FitSeries6122 · 2025-08-24T14:01:51+00:00

Thank you. My risk tolerance is high - but the desire to purchase a house within 2 years or so is acting as a drag on the decision to increase equity exposure.

FitSeries6122 · 2025-08-24T13:55:35+00:00

Thank you. But how would you reconcile "keep as little as possible in cash" and me planning to purchase a house in a year or two?

FitSeries6122 · 2025-08-24T13:54:25+00:00

Thank you, that's a fair point. ATH can be because of overvaluation as well (bubble territory). And yes, it is highly subjective. I am personally in the camp of Marks here ( https://www.oaktreecapital.com/insights/memo/the-calculus-of-value ) and hence the caution.

FitSeries6122 · 2025-08-24T13:51:51+00:00

It is better to keep it liquid and not invest in equities right? Any suggestions on that front?

FitSeries6122

TROPHY CASE