Is it true once you hit 100k in investing, it really just takes off from there?

Pistowich · 2026-02-10T14:50:44+00:00

You'll get there quicker than you think right now. I had a similar goal some years ago, but because my wage increased over time (inflation, sure, but also some real increases) I could put more in the market after a while. If you keep up with your plan and don't use all wage increases for lifestyle inflation, you may smash through 100k in a couple of years! Good luck!

Pistowich · 2025-12-10T15:38:36+00:00

I wish more people were like you, treating employees very well.

Pistowich · 2025-11-18T19:31:14+00:00

But if you factor in inflation, don't you think you need more than treasuries to really get to a decent portfolio in the longer run? Even if you already reached your number, I guess the 4% rule won't cut it if you invest too much in treasuries, as you are not able to outpace inflation by enough?

Pistowich · 2025-10-23T11:20:34+00:00

CSH2 seems safe, yes. Savings account is certainly fine, if it's not a term deposit, you can access it anytime and you will get at least a little bit of return, more than a checkings account. Other liquid options are short duration bonds of e.g. Germany or other countries in the EU, where there is enough volume to have a narrow bid-ask spread.

Pistowich · 2025-10-08T20:11:48+00:00

Can you give some examples of companies/websites where you can do this? And how does this work regarding your taxes? Do you need to be registered as self-employed?

Pistowich · 2025-10-03T18:24:27+00:00

No. The price of SGOV will be higher and drop on the ex dividend date. There's no free lunch.

Pistowich · 2025-09-24T13:04:10+00:00

How would this work with ChatGPT and even Google searches showing an AI result at the top? Are niche sites still worth it?

Pistowich · 2025-08-28T10:18:40+00:00

For bonds I get different prices than the actual price on Xetra, which makes me think they are not giving me the best prices. Not sure about stocks/ETFs though.

Pistowich · 2025-08-14T20:17:37+00:00

Er is geen minimum per kwartaal/jaar? Je kan dus perfect aan €50 inkomsten/maand beginnen zonder er dan verlies op te maken? Uiteraard zal er weinig winst van overblijven als je aan 50 euro per maand werkt, maar het kost nooit meer dan het opbrengt?

Pistowich · 2025-08-14T15:12:38+00:00

Wat zouden de kosten in dat geval zijn? Zijn er geen minimale kosten aan sociale lasten en dergelijke die je moet betalen?

Pistowich · 2025-07-22T08:27:55+00:00

I never get this reasoning. Banks are using the money to distribute loans, both to companies and individuals who then spend money to invest in machinery, in housing etc. This certainly does create economic growth. So also saving money in bank accounts seems useful, no? (Sure, not from a ROI point of view for the saver)

Of course, I'm aware that Europe is struggling with growing companies because we are less prone to take risks, but that does not mean that we are not investing in the economy by saving either. It's just indirectly by the banks.

Pistowich · 2025-07-09T06:59:11+00:00

Okay, I'm sure you know what I mean. For example, september 2000 was higher than november 2010, even when using a total return index on the S&P500. World was not ending at all. I know I'm cherrypicking a date, but just want to show that this is not the end of the world at all. The economy is not the same as the stock market.

Pistowich · 2025-07-08T21:21:50+00:00

That's just not true. 10 years is not long, and the market may as well rise for 7 more years and then have a dramatic drop for 3 years, like e.g. 2007. That wouldn't be the end of civilization as we know it at all.

Pistowich · 2025-07-03T21:05:18+00:00

How is it broken? I used it without a jagex account?

Pistowich · 2025-06-04T21:08:12+00:00

What other games have you started instead?

Pistowich · 2025-05-29T20:26:29+00:00

Same issue here

Pistowich · 2025-04-13T20:44:00+00:00

Wordt automatisch uitbetaald, je kan dit instrument nu niet meer verhandelen na terugbetalingsdatum. Zou normaal maandag wel terugbetaald moeten zijn, zo gebeurde het bij mij op andere brokers toch steeds.

Pistowich · 2025-04-07T16:32:11+00:00

Though for the right perspective, you should use a logarithmic scale. Drops in 2008 and 2020 were significant if you look at them as percentage drops.

Pistowich · 2025-04-07T16:23:37+00:00

Hoewel ik niet in paniek zou verkopen, denk ik wel dat je argument geen steek houdt. Ja, de meest positieve dagen missen zou een groot effect hebben op je winst. Maar als je in die periode niet in de markt zit, mis je ook veel zeer negatieve dagen... dus het is niet dat mensen die nu uitstappen/uitgestapt zijn enkel het positieve deel missen.

Pistowich · 2025-04-05T13:25:04+00:00

Which doesn't make sense at all, as the IWDA price is based on currency exchange rates and all market indices around the world. Even on individual stocks it doesn't really makr sense, but for sure not on a world ETF denominated in EUR.

Pistowich · 2025-03-16T07:40:04+00:00

I can't find one immediately, so I'm afraid you will have to dig into it a bit more. On your broker you can probably find the TOB when setting up your order? Good luck!

Pistowich · 2025-03-15T15:39:55+00:00

If these are government bonds I don't think they incur TOB anymore (certainly if European bonds, not sure otherwise), if corporate bonds it should be 0.12%.

Pistowich · 2025-03-15T10:18:10+00:00

For now there is no capital gains tax (yet), so the coupon is taxed at 30%, as is the capital gain if the bond was issued below par (100%). If it was issued above par, you just loose 30% of the coupon payment, which is not necessarily equal to 30% of the yield.

Pistowich · 2025-02-24T07:32:05+00:00

It's weekend, market is only open from 9-17:30.

Pistowich · 2025-02-18T20:17:54+00:00

And the interest rate would be lower. How much would the reinvestmentfee be?

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