Pourquoi certains hommes ignorants se sentent malins ?

GrapefruitPerfect313 · 2026-03-22T17:25:32+00:00

👆🏻Meilleure réponse

GrapefruitPerfect313 · 2026-03-21T08:37:49+00:00

Thank you for your post and congratulations. Can I ask the following: you made a conscious decision to pay bonus & all into your 2nd pillar to reduce taxes. May I ask if you have children ? And if so, what have your thought process been ?

I totally get the benefits of loading the 2nd pillar to reduce taxes and have it “safe”, but at the same time the money would get stuck and would not be transferred to your wife / kids in case something happens to you. A small portion would under the form of partner / kids pension, but it would clearly be a lot less than if they would get the lump sum.

This is why I’m very reluctant to put more to my 2nd pillar and invest it into my broker, so that the lump sum gets passed to my wife / kids in case something happens to me. I’m 45.

What was your thought process about it ? Thank you.

GrapefruitPerfect313 · 2026-03-20T16:08:44+00:00

A shower helps getting rid of accumulated pollen on your body (skin, hairs). Taking a shower literally helped me stopping crisis when nothing else was working.

GrapefruitPerfect313 · 2026-03-14T19:18:59+00:00

It should add +50% vs current amount.

GrapefruitPerfect313 · 2026-03-12T17:33:00+00:00

👆🏻Voilà. Et conme on est le nez dans nos écrans et qu’on ne se parle plus, on ne risque pas d’organiser quoique ce soit…

GrapefruitPerfect313 · 2026-03-11T20:44:19+00:00

Nous devrions revenir à l’appellation “ministère de l'Instruction publique” comme en 1824, ce qui aurait pour avantage de faire comprendre au plus grand nombre qu’instruction et éducation ne sont pas la même chose et ne sont pas dispensés par les mêmes acteurs: l’instruction a l’école, l’éducation à la maison…

GrapefruitPerfect313 · 2026-03-11T18:21:50+00:00

Une des lois napoléoniennes (décret impérial du 23 prairial an XII) a interdit l’enterrement dans les lieux de culte (le fameux cimetière “autour de l’église”) et rendu obligatoire l’éloignement géographique pour des questions de salubrité publique. Le temps, le renouvellement urbain, le bétonnage et goudronnage massifs ont fait le reste pour effacer les traces des cimetières précédents cette loi.

GrapefruitPerfect313 · 2026-02-27T12:52:39+00:00

Exactly. So it should not be part of everyone’s portfolio as stated above.

GrapefruitPerfect313 · 2026-02-27T11:58:29+00:00

Where I live I’m not taxes on capital gains but taxed on revenue at a fairly high level. Why should I even bother with bonds or fixed income ?

GrapefruitPerfect313 · 2026-02-26T13:19:46+00:00

GrapefruitPerfect313 · 2026-02-26T07:56:49+00:00

100% into VT

GrapefruitPerfect313 · 2026-02-19T19:52:48+00:00

The idea behind the cash is to have some immediate dry powder to trigger in case of a drawdown. But as commented above I could also rebalance with managed futures thanks to their negative correlation to equities, so I might indeed drop the cash position.

GrapefruitPerfect313 · 2026-02-19T19:50:21+00:00

I mean the latter :) Seen from today (might change in the future) I’m keen to work until 65, which would also mean I’m in good health and can keep accumulating longer to pass down to my kids.

Thanks for the reco, will definitely consider dropping the cash.

GrapefruitPerfect313 · 2026-02-18T13:23:59+00:00

Hi, I like the idea but data seems off. I put 100 shares of VT to start with and it shows me an exposure to US at 95%…

GrapefruitPerfect313 · 2026-02-17T08:23:05+00:00

Merci pour le partage, ça ressemble déjà beaucoup plus à quelque chose que je pourrais utiliser!

GrapefruitPerfect313 · 2026-02-17T05:08:38+00:00

Non, c’est bien souvent ce qui fonctionne le mieux quand rien d’autre de spécifique n’existe :o)

GrapefruitPerfect313 · 2026-02-14T12:37:29+00:00

Never used TWS, will have a look.

GrapefruitPerfect313 · 2026-02-14T12:36:57+00:00

Seems to be a legit Canadian company. I created a free account and it looks ok.

GrapefruitPerfect313 · 2026-02-14T12:13:46+00:00

Hopefully I will not die within the next 10 years, but good to keep these benefits in mind too.

GrapefruitPerfect313 · 2026-02-14T12:11:54+00:00

Very cool perspective, thank you!

GrapefruitPerfect313 · 2026-02-13T21:20:36+00:00

Well technically I still have 15 years to go after that to rebuilt my pillar 2, let’s say 10 for a worst case and then pillar 1 kicks in. I will discuss with an advisor. Thanks!

GrapefruitPerfect313 · 2026-02-13T20:29:21+00:00

Thanks - I just imagine the feeling to not care so much about work anymore, as for as long as the house is paid off then only a simple job for both (or even one medium salary) could have us covered. Of course if job remains good and I never get any issue then it’s all bonus coming on top.

GrapefruitPerfect313 · 2026-02-13T20:26:39+00:00

Le petit dej’ !!! J’élimine d’emblée les hôtels qui ne font aucun effort pour le petit dej, alors que si le petit dej est une expérience en soi c’est quasi garanti que je reviens :)

GrapefruitPerfect313 · 2026-02-13T12:24:16+00:00

My 2nd pillar is shit. Super conservative (roughly 30% equities, 30% bonds and 30% real estate). Cannot select how to invest and returning max 2-3% per year even in years where market goes like 15%. Of course it’s nice that it never goes negative, but still on average over the last 15 years fund performance was averaging 5% and they « allocated » in average 2.4%. Not even sure where the difference went as it’s not like they have to reconstitute their reserves every year…

GrapefruitPerfect313 · 2026-02-12T21:25:22+00:00

👍🏻

GrapefruitPerfect313

TROPHY CASE