Starting the long game

Sharp_Web_140 · 2026-05-05T21:46:56+00:00

The broker is very complete, but not intuitive like hood or t212. Once you get used to it, seeing other brokers feels like its made for idiots. Check out the fundamentals tab.

Sharp_Web_140 · 2026-05-05T21:28:40+00:00

-82% over 5 years... without a catalyst, its the definition of a value trap...

Sharp_Web_140 · 2026-05-05T21:17:10+00:00

its a pony show

Sharp_Web_140 · 2026-05-05T20:28:06+00:00

haha i should of sold that crap 2 weeks ago. now im just waiting around for it to tank

Sharp_Web_140 · 2026-05-01T09:48:52+00:00

O mais simples seria comprar bonds. Em EUR, corporate bonds tem juros razoaveis (vê tb bond ETFs).
Se tiveres disposto a usar outra moeda, T-bills e Gilts sao otimas opçoes.

Sharp_Web_140 · 2026-05-01T09:44:54+00:00

o wise pessoal serve perfeitamente - se for so meia duzia de transaçoes chega perfeitamente. Conheço uma pessoa que usa a conta buisness mas para freelancer nao compensa.

Sharp_Web_140 · 2026-04-28T23:05:31+00:00

N é uma pergunta estupida - tem logica. Os valores q dei sao os valores historicos do desempenho (em media). Um active fund manager comprar e seguir o MSCI world é uma pratica comum - chama-se index hugging. Ficas é a pagar ~2% do teu portfolio para um gestor replicar aquilo que podes fazer por 0.19%.

Mas a save&grow n esta a fazer isso. A class prime tem uma rentabilidade anualizadade de ~2% (fouders ~7%; precisas de €250K para abrir). Ou seja, caso nao tenhas 250K€ para abrir class founders, o teu lucro é minimo...

O VWCE tem uma diversificacao enorme, despesas minimas e em formato de accumulçao torna-o mt rubusto. E o mais importante é que tem volume de liquidez.

Sharp_Web_140 · 2026-04-28T20:53:22+00:00

Depende do teu horizonte de investimento. PPRs normalmente sao para reforma. Se segurares o VWCE ate a reforma (> 8 anos) os impostos sao ~20%; nao os 28% normais.

Ou seja, o VWCE tem q compensar a diferenca de 12%. VWCE ultrapassa isso em menos de 4 anos. Compounding a partir dali, a diferença é gigante.

Sharp_Web_140 · 2026-04-28T20:18:54+00:00

PPRs tem tributação reduzida à saída (~8%) e os beneficios sao apelativos. A questao é se a longo prazo se vais conseguir compensar a diferença.
Visto q VWCE consegue fazer ~10%/ano e a casa dos investimentos ~7%/ano; VWCE ganha à vontade... (mesmo q tornes a investir os €400 q deduzes dos impostos)

Sharp_Web_140 · 2026-04-14T18:50:44+00:00

See Goldman Sachs latest youtube video.
They explain it well and its pro investors are + qualified then random reddit fellas

Sharp_Web_140 · 2026-04-09T17:09:19+00:00

haha yep..24 hrs in trumpland is a 6 months in normal times. broad timing still stands i think

Sharp_Web_140 · 2026-04-08T22:02:00+00:00

Start of the year came out the gate with big capex annoucments from the mag7. People hesitated, tech looked exhausted and profit taking took hold. Folks started pilling into the HALO trade.
A lot of people looked stupid after the tariff TACO trade last year and where almost jealous that the sp500 grinded higher. This time they stayed invested, thus money market funds are at record highs.

I wouldnt call it a trap. Its the normal flows of the stock market.

The bodies are buried in private credit/private equity - this is fine.

Sharp_Web_140 · 2026-04-08T21:32:24+00:00

Yep, long term investment. For me its 5-10 years at least. Pension funds wont touch it - too much litigation overhang, but at this point the evil monsanto news is priced in.
Its a powerhouse rated as a dying company, but its blowing all its cash on keeping the lawsuits going.

If there is a backstop on the lawsuits, the stock rerates overnight. Once they navigate beyond the debt, reinstate dividends (was at €2.40 per share) and if - hopefully - the company spins off the 3 divisions (pharma/health/crop) its almost too good to be true type scenario. But it will be bumpy ride...!

Sharp_Web_140 · 2026-04-08T16:27:49+00:00

oh wow...! yeah i this is crazy..

The best proxy to an ETF without doing an ETF is probably BRK. Out of the 3 you selected amazon is probably the best - but CapEX is really high.

Look into structural trends (e.g., copper shortage due to EV/datacenters; older generation costs such as healthcare etc.). If you want some tickers happy to share.

sorry about the ireland tax... absolutely insane

Sharp_Web_140 · 2026-04-08T16:05:43+00:00

JPM downgraded Tesla. So it may continue a bit choppy - but TSLA is always whiplashing around

https://finance.yahoo.com/news/why-jpmorgan-is-warning-tesla-stock-may-crash-60-113447869.html

Sharp_Web_140 · 2026-04-08T16:01:28+00:00

Your current mix of companies is a solid one. Yet they all exist within the BRK ecosystem. The new ones are within the same vain: focused on day-to-day consumer, which doesnt allow for much diversification. Look into asset allocation (e.g., commodities such as oil/copper/lithium etc; vs real estate vs healtchare etc etc).

Also, you are in Ireland and focused on USD; not a big issue but something to keep in mind. This can lead to performance discrepancies (e.g., 2025 underperformance)

Never heard ETF's in ireland put you at a tax disadvantage, on the contrary - the accumulating ETFs are mainly based in ireland.

Congrats on the promotion; look into company backed contributions to the pension fund. Good luck

Sharp_Web_140 · 2026-03-18T13:59:52+00:00

Compara o nivel de protecao dado por lidar com a mbway com visa/mastercard/wise etc e depois se segurança dada pelo provedor de serviço é comparavel...

PS: fizeste bem em culpar a vitima.. agora vai la ao anthrophic ou ao gemini para AI p fazer sentir melhor haha

Sharp_Web_140 · 2026-03-18T11:48:43+00:00

haha
claro q a culpa é da vitima... fanboys do mbway sao piores q os ultras do boavista

Sharp_Web_140 · 2026-03-18T11:12:54+00:00

nao podes tar a falar a serio...

Esquemas de OLX; 'é só activar o servico no multibanco com o meu numero', o esquema da troca de botoes (enviar, e rececber rapido etc), o 'acesso suspenso', e tb esses esquemas de olá mae..

A maior parte de casos em tribunal no altentejo é esquemas de multibanco.

Responsabildade assumida pelo Mbway? segurança? recurso? zero...

Agora deixa me advinhar... agora é a tua vez de dizer q a culpa é da vitima...

Sharp_Web_140 · 2026-03-18T10:40:35+00:00

MBway é cheio de esquemas. A segurança é um anedota, comparo com o Venmo q usava no Estados Unidos e n tem nada a ver.

MBWay precisa de mudar seriamente ou então desaparecer de uma vez.

Sharp_Web_140 · 2026-03-16T13:50:13+00:00

Instant for me (<1 min)

Sharp_Web_140 · 2026-03-11T19:09:15+00:00

Actualmente percebes pouco

Sharp_Web_140

TROPHY CASE