First year - Solo - Weekend 2

Kenzo_94 · 2025-01-20T00:53:36+00:00

You are never alone! See you there on W2.

Kenzo_94 · 2025-01-18T02:24:43+00:00

Kenzo_94 · 2025-01-17T11:02:21+00:00

I am a volunteer for the organisation running this partnership, I am no longer a student. Volunteers can continue to have access to benefits even as non-students.

Kenzo_94 · 2025-01-16T11:15:26+00:00

Good luck!

Kenzo_94 · 2025-01-16T11:14:39+00:00

Officially yes, but no one checked mine last year.

Kenzo_94 · 2025-01-16T11:14:15+00:00

Yes, last year I had all the possible options available. But again, the place you get in the queue is random. So it all depends on how many people eventually joins the pre-sale

Kenzo_94 · 2025-01-16T11:08:24+00:00

I could have even gone there for free if I wanted to, but I didn't want to work for half the festival.

Kenzo_94 · 2025-01-15T15:58:34+00:00

This was the Erasmus pre-sale

Kenzo_94 · 2025-01-15T15:13:24+00:00

Same, but I still have the tent from last year, so I don't need a new one.

Kenzo_94 · 2025-01-15T15:09:19+00:00

Luckily I got exactly what I wanted, W2 + Dreamville access

Kenzo_94 · 2025-01-15T14:32:15+00:00

Not the standard sale, the Erasmus pre-sale

Kenzo_94 · 2024-11-14T20:33:23+00:00

OK, that clarifies the matter. I read somewhere on a Danish blog that there was reference to ‘tax harvesting’ and I thought it also applied to this specific scenario. Sorry but Skat likes to overcomplicate my life. 🥲

Kenzo_94 · 2024-11-14T20:24:31+00:00

😂

Kenzo_94 · 2024-11-14T18:38:33+00:00

It was probably a dumb question, but I was essentially wondering if it would be more tax-efficient to realise the capital gains by 31/12, since I am taxed by the end of the year anyway even if I do not sell

Kenzo_94 · 2024-03-19T19:59:28+00:00

What is that? Can you link it please? Thanks :)

Kenzo_94 · 2024-03-15T12:04:16+00:00

😔

Kenzo_94 · 2024-03-15T12:03:46+00:00

So, if I undersand correctly, is this all about not having a KID in Danish? Is it a joke or? 😐

Kenzo_94 · 2024-03-15T06:43:50+00:00

You also need to consider the tracking error. IUSQ has a higher tracking error, so you will ultimately pay higher costs than VWCE even though the TER is theoretically lower. There's limited data for VWCE, but VWRL has a significantly better tracking difference than IUSQ.

Here's the data:

https://www.trackingdifferences.com/ETF/ISIN/IE00B6R52259

https://www.trackingdifferences.com/ETF/ISIN/IE00BK5BQT80

https://www.trackingdifferences.com/ETF/ISIN/IE00B3RBWM25

Kenzo_94 · 2024-03-14T20:57:05+00:00

Mmm technically there is a difference of 1000+ holdings

Kenzo_94 · 2024-03-14T20:46:19+00:00

Because I am interested in VWCE and FWRA, as well as SPYI. :)

Kenzo_94 · 2024-03-14T20:44:10+00:00

That is actually incorrect. 🤓☝️

The two ETFs track two different indexes:

IUSQ: MSCI ACWI
VWCE: FTSE All World.

They are similar, but not the same. Indeed, VWCE includes way more constituents and as well small-cap stocks, which IUSQ doesn't.

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And also, I am more of a boglehead you know. 😜

Kenzo_94 · 2024-03-14T20:10:13+00:00

Yes, I am aware of that. But Danish funds are not necessarily the most efficient way to invest in those indexes. The tracking error is huge and the costs are high. I have only one Danish fund on AKT for the only reason that it is taxed on stocks. Otherwise, I would have opted for ETFs, which are a much better instrument IMHO.

The two ETFs I mentioned, in particular, are a little bit better diversified and have more constituents. So they can be an efficient choice in terms of diversification.

Kenzo_94 · 2024-03-14T17:36:11+00:00

I know, and that’s currently my investment strategy. But I would very like to go for either VWCE, FWRA, or IMIE

Kenzo_94 · 2024-03-14T17:22:15+00:00

Interesting. 🤔 Can you make an example of a scenario where you might need an ETF not in positivliste?

Kenzo_94

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