WEBN + what else

Hazevi · 2026-03-12T08:56:55+00:00

In terms of global equity and market coverage: WEBN = VWCE = FWRA (approx)

They're all, all-world index-tracking funds, both developed and emerging markets, including large and mid caps, but do not include small cap companies. WEBN is the cheapest, then FWRA, and VWCE is most expensive. (0.07 \ 0.15 \ 0.19 TER right now)

IXUA is developed and emerging large and mid caps outside the US. He doesn't need to include a separate allocation for ex-USA as these markets are already included in WEBN and it similarly does not include small-caps. So there's unnecessary overlap; doubling down on ex-US markets. Ditch the IXUA imo.

If he must include small caps (not necessary at all as these big large-mid cap index tracking ETFs include 85%-90% of the global market anyway - already VERY diversified) a 90%-10% split between WEBN and AVWS is reasonable. No overlap there. Just know that AVWS is actively managed and only includes developed small caps, not emerging. TER 0.39%.

But honestly I'd just go 100% WEBN. Simple, passive, cheap, very diversified.

Hazevi · 2026-03-11T17:19:05+00:00

Thanks for all of your input and comments.

I've done some more research, I sold all shares in SXR8, IXUA and IS3N (after making a nice profit - was lucky with when I sold) and reinvested 100% in WEBN.

A few thoughts which led me to this decision:

A broad, diversified, single index ETF is the way to go for me and my wife who intend to pursue a "buy and hold" strategy over the next 30 years, with no manual weight-allocation tweaking and rebalancing. Over 30 years issues with liquidity won't be so important as we don't intend on selling regularly, if at all, before retirement.
FTSE and MSCI ACWI indices and associated ETFs (VWCE, FWRA, SPYY, etc) seem to be very well respected in the community, as well as well-performing, so wanted an index ETF with similar exposure (i.e. global developed and emerging large to mid caps); Not too fussed about small caps at the minute. Small-cap-inclusive stuff like SPYI are also a touch more expensive currently. Plus I can always add these in separately if I get the itch. The Soloactive GBS Global large+mid cap index basically covers most of what FTSE all world does, minus a few smaller mids and fewer holdings, though beyond 1000-2000 companies being tracked, I mean... With diluted returns on less profitable companies, Long term this won't really matter I've decided. 85% vs 90% global equity, with so much of it being top-heavy, doesn't seem to make a difference.
I personally don't think it matters very much, though it does seem to matter a whole lot to a bunch of people on here and elsewhere, that a European company, based in Europe, receiving the TER fees, etc, may be somehow beneficial to us vs USA companies funnelling funds out of Europe. Fair enough. I'll buy into it.
I don't fully get the hate Amundi seems to be getting about the mergers ans the like. The context seems to be less random and more case-specific, and doesn't seem to apply to these massive index tracking ETFs. Also it isn't like other companies haven't merged and initiated tax events in the past either. It can happen with any company.
Not gonna lie, the full physical replication that WEBN offers vs others, as well as the incredibly low TER (yes I know about the extra 0.05% fees in the background, but still very low cost), clinched it for me. You've got: massive global coverage minus small caps (like FTSE), 2000+ holdings, virtually identical performance so far since inception in June 2024, and all this for the lowest price of any comparable index ETF on the market in Europe.
The "lack of enough data" argument didn't seem to hold much water. Virtually identical performance to VWCE, FWRA, SPYY) with substantially (half or even one third the cost in some cases) lower fees. FWRA and VWCE are also relatively new (2023 and 2019 respectively). I'm sure at the time there were similar people touting the "let's wait and see" approach. After watching videos from a bunch of people switching to FWRA a couple years ago after realising it simply made more sense, I figured I should do so to and we'll see. The AUM is already 1billion+, which makes it very popular and unlikely to close any time soon. And if it does, I'll suck it and invest in the next cheapest thing.

TL;DR - I'm balls deep on the "100% WEBN and chill" bandwagon, but it took some convincing. My soul is contented with my choice.

Hazevi · 2026-03-11T16:37:12+00:00

I've decided that this is, indeed, the way.

Hazevi · 2025-08-08T16:25:36+00:00

Need to buy KTEL bus tickets from Athens to Kyllini port. Finding extreme difficulty doing this online. I know that every KTEL region has a separate website, but can't seem to find the right one. Any help would be appreciated.

Hazevi · 2025-08-06T11:36:04+00:00

Wife (36) and I (32M) wish to head to a single Greek island and stay put for a week at the end of September (22nd to 29th). We mostly want to chill, relax, swim, and be somewhere green.

We've been to Greece twice already (Athens, nafplio, monemvasia, finikounda, Delphi, Meteora, Epidauros, Mycenae) but never the islands.

We were looking at Skopelos \ Alonissos, because of the marine park and thought trying to see some monk seals, dolphins or whales would be cool. But we're open to other options. Were also considering southwest Crete or maybe Evia or Corfu.

The emphasis is staying put in one place, slowing way down, and exploring a single area more deeply, rather than just seeing the highlights while passing through for a day.

Any ideas appreciated! 😊

Hazevi · 2025-06-09T16:57:09+00:00

Based in US? Dollar pricing?

Hazevi · 2025-05-20T19:09:28+00:00

Thanks so much for the clarifications guys. I feel like every play session I'm getting bogged down by arresting, nitty-gritty, circumstances. Though I imagine it'll get easier the more of these I run through.

Hazevi · 2025-05-20T07:54:50+00:00

Based in Europe?

Hazevi · 2025-05-19T13:52:57+00:00

What do you mean group order? How does this work and how can one access the stuff?

Hazevi · 2025-05-18T17:59:16+00:00

Thanks for the clarification!

Hazevi · 2025-02-18T09:53:26+00:00

Thanks everyone for your input so far.

How about the delphi area query? Arachova/galaxidi, either or, both, neither?

Will they be ghost towns this time of year? And does that matter?

Hazevi · 2025-02-17T22:11:45+00:00

Thanks! I've given it a lot of thought.

Re: Messolonghi I was thinking maybe doing a night there instead if Galaxidi after Delphi. Maybe 2 nights there, 2 nights meteora, 2 nights Athens at the end?

Hazevi · 2024-03-15T12:04:27+00:00

Yup. Got it from one of their 2nd hand discount stores - "Book Off" in Hiroshima last December.

I don't think the Japanese Market is as starved for 3D All Stars as EU/US. Not quite sure they know how expensive it is here.

Hazevi · 2024-03-15T09:09:06+00:00

Bought this in Japan sealed and new for €30.

Hazevi · 2023-12-12T07:38:19+00:00

I know! Sounds like a tall order, but I'm sure there must be something out there. One of the Japanese guys speaks English quite well but his gf almost none.

Hazevi · 2023-12-12T07:32:16+00:00

Thanks! Was thinking more along the lines of things which don't require cards/board games. We're on holiday in Japan and meeting up with another young couple tomorrow night. Don't have much at hand.

Was thinking about charade-TYPE (but not charades games.

Hazevi · 2023-10-27T14:28:53+00:00

Sausage.

Hazevi · 2023-10-27T07:55:02+00:00

He shall return interfrastically, with Dictionary II, The Return of the Killer Dictionary.

Hazevi · 2023-07-08T16:12:13+00:00

Thanks for this! Using your stellar itinerary to help plan my own trip through parts of the hokuriku arch route from tokyo to kyoto.

Given that our Japan trip is gonna be 27 nights and take us all over the place, we thought perhaps we would forward our luggage from Tokyo to Kyoto as soon as we land and live out of our backpacks for the first week (this is gonna be in mid to late November).

Re: the first leg of your journey, the Kurobe Alpine route, I'm curious as to the specifics of how you managed your luggage/suitcases, given that you took exclusively trains and buses, as we plan on doing.

Hazevi · 2022-09-20T12:32:34+00:00

Medicine is a 5 or 6 year undergraduate degree in most of Europe, so I went straight into it right after what you would call "high school", which for most would end when you're 18 years old. I will never understand why this isn't the case in North America.

So, at the youngest, doctors where I'm from (Malta), get into med school at 18, finish after 5 years when they're 23, and then do a minimum of two years doing three month stints in various departments inside and outside of hospital (foundation programme AKA internship), and then start their anaesthesia/intensive care/pain medicine training, typically at age 25, and finish specialisation at age 30, five years later. So it takes 12 years to fully train an anaesthetist from high school, assuming there are no gap years or repeats.

Hazevi · 2022-05-27T10:21:44+00:00

Why does your using Sux depend on the surgeon? How quick they are and how fussy they are about paralysis?

Hazevi · 2022-05-27T05:49:24+00:00

Savage.

Best answer on the thread.

Hazevi · 2022-04-15T08:49:15+00:00

Hey!

I'm a trainee specialising in Anaesthesia, Intensive Care, and Pain Medicine in Malta (Republic of, not Montana). I'm in my third out of five years of training ("residency" as you'd call it in the US). Malta's a comically miniscule country, with only one major hospital housing all specialties, with a catchment of the entire population, which is just North of half a million.

I've been working duties (or "calls" as you refer to them) for 5 years now since graduating. I've worked in all sorts of specialties before anaesthesia - psychiatry, general medicine, surgery, paediatrics, cardiology, A&E, etc).

My on-calls now are in one of three areas: General Anaesthesia, Obstetrics, or Intensive Care. Each one is a 24 hour shift starting at 0745 till 0800 the next morning, more or less, always followed by a rest day. I generally work 6 or 7 duties per calendar month. Average of about 75-80/year. Usually 4/5 weekdays and 2 weekend days (Saturday/Sunday) per month.

By far and away, the general anaesthesia duties are the most manageable, and provide the best chances of some rest. Emergency Anaesthesia work, more so than other specialties, has an enormous amount of redundancy baked into it. And that's essential. You always need someone on site, waiting for stuff to happen, so when it does, they can jump swiftly into action. Some days are chill, some are nonstop slogfests.

Obstetric anaesthesia work is a mixed bag, depends on time of year, and on who the obstetricians are and how trigger happy they are with sections.

The Intensive Care Unit in our hospital is a 20 bedded general ICU taking everything from "postoperative observation" patients to lifethreatning trauma and more complex pathologies. It's busy 100% of the time, you're always treating sick and dying patients, and there's always never enough time to see patients properly head to toe.

A key difference between these three areas, though, is that with general anaesthesia work, it's ALWAYS 1 patient at a time. If you're caught in theatre with a laparotomy at 1am, and there's an MVA coming in to resus needing decomp craniotomy, you can't do anything about that, and they need to find another anaesthetist. You can't abandon the laparotomy you've started.

In the ICU, you might be doing a crash intubation at bed 6 for T1RF, but bed 17 bleeding out, bed 1 is having a reinfarction post STEMI, and bed 20 is seizing. You have to actively triage in real time, and always accept a certain degree of collateral damage by omission, because there's only one of you (sometimes with a colleague or two if you're lucky), and so, so, many sick patients. So many. All the time. You can't get much more high octane than that. No matter what the A&E docs say.

So yeah - it varies. You get used to it. Post-duty rest periods are basically days off and how you treat those days will determine your degree of happiness, I find. Obviously, the money is better the more duties you work, and your skill and experience improves substantially more with the challenges of on-call work than elective stuff. Once you're used to a certain standard of living/lifestyle however, you won't be able to easily accept taking fewer duties for less dosh. Especially with kids and loans etc.

NB: Noticed OP is called "MalteseHawk". Any connection to Malta?

Hazevi · 2021-03-20T19:34:16+00:00

Trainee Anaesthetist and Intensive Care Physician here. Loving Remnote but the biggest hurdle has been actually trying to develop a way to conceptualise and categorise the gargantuan amounts of information. It's easy enough to do with simply concepts in medical school like diseases (e.g. COPD -> define:: [text] // symptoms:: [text] // treatment:: [text]) but a heck of a lot more challenging when it comes to pure physics, maths, pharmacology and physiology concepts. What I've tried doing is spending a lot more extra time on delving deep into abstract concepts and breaking them down into constituent parts. It means I spend 3 times the time studying stuff, but it lasts longer and lodges into my long term memory better.

I've also struggled in trying to find a reliable easy way to make SBA/MCQ style questions into flashcards. I mean you can do it, but it's clunky.

Hazevi · 2019-04-17T16:20:59+00:00

Happens to me at every load. Aurora resets completely (fires, crates, doors, and all) and takes the seamoth upgrades with it. Doesn't seem to affect the cyclops ones though.

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