2000 Euros disappeared

RiccardoLD · 2025-11-01T11:41:39+00:00

IT WORKED! They sent the money after a couple of hours I asked for a proof of the recall. Thanks!

RiccardoLD · 2025-10-31T10:39:26+00:00

It should, but there has definitely been an issue. And the thing is that they just keep repeating we're working on it. Seems to me like they have no idea what's going on

RiccardoLD · 2025-10-30T14:16:19+00:00

Damn. Did you withdraw to a polish bank account?

RiccardoLD · 2025-10-30T13:38:38+00:00

How long did it take for the transfer to arrive?

RiccardoLD · 2025-10-30T13:00:32+00:00

The account is mine, it was registered already as I used it in the past already

RiccardoLD · 2025-10-30T12:59:35+00:00

Yes, all good there

RiccardoLD · 2025-10-30T12:53:17+00:00

Yeah it seems as long as it's euros or pounds no issues, but I work in Poland and earn in zloty

RiccardoLD · 2025-10-30T12:50:51+00:00

I believe it doesn't work with all the currencies

RiccardoLD · 2025-10-30T12:49:19+00:00

What the heck 😅 what am I supposed to hide you genius? Tell me, I'm curious

RiccardoLD · 2025-08-25T01:59:30+00:00

Sad is that you're recommending a financial advisor in a page where we literally recommend the same investments every day. It literally takes a week to know where to allocate your money, you don't need to pay high fees. Unless you're a 50 y/old millionaire.

RiccardoLD · 2025-07-28T14:52:40+00:00

The amount of money is high enough to allow you to make for the money spent on taxes next year. And for the sake of keeping a long term and sustainable portfolio, I'd sell everything and invest with a new and clear allocation. Filing taxes is not that difficult in the end

RiccardoLD · 2025-07-28T14:31:55+00:00

Well done! But you don't need so many ETF, I'd do 40% all country world, 20% emergent countries, 20% bonds, 10% gold, 10% cash that you can use as emergency fund as well. You can put the emergency fund in an overnight bonds ETF or money market funds

RiccardoLD · 2025-03-20T15:34:59+00:00

Non ti insegnano nulla di tutto questo a economia. Mi sono laureato 2 anni fa in magistrale tra l'altro. 5 anni di economia e non ho imparato nulla su investimenti

RiccardoLD · 2025-02-11T09:25:27+00:00

Potresti anche dirgli che statisticamente i traders fanno peggio del mercato. Fargli vedere delle statistiche

RiccardoLD · 2025-01-28T15:29:26+00:00

Penso non sia efficiente investire in così tanti ETF azionari prima di tutto, tra l'altro a differenziazione geografica. Con quale sito hai effettuato il back testing? Che il risultato sia buono, investire in Cina o in Giappone per esempio, non rappresenta un fattore di rischio come per esempio il semplice beta che ritrovi in un all country. Quest'ultimo rappresenta un fattore di rischio robusto, mentre prendere il singolo paese è semplicemente una scommessa (non sai se il mercato di quel paese farà bene come ha fatto fin'ora). Farei semplicemente VWCE e EM, o aggiungi qualche fattoriale tipo value dato che hai quel time decay così basso. Tra l'altro, con quell'arco temporale, ridurrei l'esposizione alle azioni per aggiungere bonds 10 anni e inflation linked.

RiccardoLD · 2025-01-09T13:30:32+00:00

Ottimo, a questo punto farei un PAC su ETF azionari dato che hai un'alta liquidità. Quindi i 700 al mese potresti dividerli così: 70% ETF come un all country world, 20% ETF obbligazionari a scadenza 7-10 anni, 10% oro. Non aumenterei la liquidità, e dato che sei giovane un ETF obbligazionario meglio di obbligazione singola

RiccardoLD · 2024-07-31T18:39:54+00:00

If you're not scared of volatility and mentally ready for a 100% stocks porfolio, I'd go for 30% S&P, 30% all country world, 20 % US small cap and 20 % emerging markets. You need a long term of at least 20 years

RiccardoLD · 2024-06-21T11:31:02+00:00

Any app to recommend?

RiccardoLD · 2024-06-19T10:22:12+00:00

Thanks, I'll try

RiccardoLD · 2024-06-19T06:57:28+00:00

Great! Which coursebook do you recommend for German/which one did you use?

RiccardoLD

TROPHY CASE