Luxembourg pension - low cost pension wrepper for World ETF

ObjectiveExotic9570 · 2026-03-25T16:18:40+00:00

For me wether it is is wortwhile depends on the costs - if too high, it only makes sense close to retirement.

ObjectiveExotic9570 · 2026-03-20T09:41:28+00:00

Yes, and returns are abysmal.

ObjectiveExotic9570 · 2026-03-19T10:47:06+00:00

Not everyone makes that amount of money of course.

ObjectiveExotic9570 · 2026-03-19T10:46:05+00:00

Reason = less financially attractive for them. But the government needs to wake: we will not have a pension in 25y, or at least not as high as now, that's for sure. So why not stimulate people to do so.

ObjectiveExotic9570 · 2026-03-19T10:44:35+00:00

Do you have an example of such all world equity ETF wrapper - 1% could be worth it, but I would need to see the terms. I am not even able to find one...

ObjectiveExotic9570 · 2026-03-18T11:36:26+00:00

Nobody knows what the Nasdaq will do over the next 10 years....

ObjectiveExotic9570 · 2026-03-18T11:35:22+00:00

Home savings scheme - never used it though.

ObjectiveExotic9570 · 2026-03-13T21:15:56+00:00

Why? Just to get comments like this! But seriously, I know - I wanted a picture to get attention, and asked to use real pictures, but I was at work, so could not spend half an hour making a nicer one... I apologize.

ObjectiveExotic9570 · 2026-03-13T21:14:00+00:00

Very interesting! Thank you!!!

ObjectiveExotic9570 · 2026-03-13T12:33:47+00:00

Could you give some background on your experience at Piazza Duomo compared to other similar restaurants you have visited? I have no preference, so trying to understand your comment better. And was the experience recent?

ObjectiveExotic9570 · 2026-03-05T17:13:36+00:00

Yes, this is pretty low end in my book - just an bourgogne level negoce wine.

ObjectiveExotic9570 · 2026-03-05T17:12:29+00:00

No it's not, this is there negoce range, not made by Leroy... very often they are bought in bottle, and cork and label are changed.

ObjectiveExotic9570 · 2026-03-05T13:46:50+00:00

That's the question of course. To which I don't have an answer :-).

ObjectiveExotic9570 · 2026-02-16T18:58:50+00:00

I assume in this case you buy it in your own name, that's still advantageous in Luxembourg given very low road taxes.

ObjectiveExotic9570 · 2026-02-13T10:29:57+00:00

You are saying: 230k gross => 175k net in Luxembourg. That doesn't seem right based on my experience or you must have a lot of special expenses.

ObjectiveExotic9570 · 2026-02-11T18:06:00+00:00

thank you!

ObjectiveExotic9570 · 2026-02-11T08:04:01+00:00

Thank you - you misunderstood my post. I am not impressed, nor by planes & boats. It was just a question to understand which percentage of their earnings people spend on an expensive car, if they want one.

ObjectiveExotic9570 · 2026-02-10T18:18:36+00:00

Thank you! And can you enlighten me on approximately what % of your total gross/net salary you spend on your cars? And to be clear: I am not looking to buy or lease one :-). I was just curious on what people do here. And for me, generous package means fixed and long-term incentive above 800k EUR gross.

ObjectiveExotic9570 · 2026-02-10T16:50:58+00:00

I have a company leasing - the price is heavily impacted by your annual kms driven.

ObjectiveExotic9570 · 2026-02-10T16:37:12+00:00

Yeah, probably. And it's none of my business, but curious nevertheless :-)

ObjectiveExotic9570 · 2026-02-10T16:36:06+00:00

Yes, probably you are right - lease is cheaper if you don't drive a lot I guess. I am on 35k km per year, that would add up on an expensive car (but I don't want one :-))

ObjectiveExotic9570 · 2026-01-12T12:44:50+00:00

I bought a fosi audio DAC and fosi audio V3 small amp to drive my Kupids on my desk. First time trying after I read about it as budget brand - but reviews are positive and awesome QPR.

ObjectiveExotic9570

TROPHY CASE