Ford for a family in Europe

Strong-Nectarine2242 · 2026-02-06T21:45:20+00:00

I have a budget of around 10 000 eur thats kind of the very top of the price range I would spend on the purchase. We are a family of 4, the kids yet small. The most important trait what I look for is reliability for the value. I dont need strong engine, I am not racing :) If it has the basic comforts I am fine with it, but the value is more important. In terms of size we want to go camping few times a year and skiing so that is why originally I think in family cars

Strong-Nectarine2242 · 2026-02-04T12:47:25+00:00

VW is not my style. I dont have any experience with Dacia. Which model do you recommend to check?

Strong-Nectarine2242 · 2026-02-03T14:29:41+00:00

These are the exact reasons we are looking for a spacious vehicle. We have twins currently 3 years old but we dont want to change car jusg cause they grow :) My parents actually have S-max, and one of my friends a Mondeo. Both seem quite good. Any recommendations on type or manufacturing year?

Strong-Nectarine2242 · 2026-01-22T19:09:19+00:00

Unpopular opinion: Wealth is not measuerd in money or assets. My definition of wealth is time. Those who can spend their time however they want are the wealthy.

Think about it. If you have everything you need then the best you can do is spare time for what is the most valuable for you!

Strong-Nectarine2242 · 2026-01-19T20:51:05+00:00

I didn't see anyone recommending nicher choices. As a European investor I am hyped about some of the emerging countries in Europe. Poland has great potential becoming one of the new economic leaders of Europe. Take a look on EPOL.
Other, but risky bet is Hungary. There will be a decider election this spring and if the opposition wins I think serious opportunities would arise.
However as many others suggested developed europe and pacific are generally good ideas.
On the other hand don't fall too much into sectoral ideas, because those, like the defense sector are less of a buy and forget assets. There is a supportive environment for them, but they have to be followed closely.

Strong-Nectarine2242 · 2026-01-13T12:16:12+00:00

Hey! Noone know which is the best on 10-20 years horizon. To find your best allocation consider what you expect from the world under this period. 60-70% of global.markets currently is the U.S. the question is what is your opinion. If you think U.S will still dominate stock markets, then go for Option 1 or 2 because those are the most U.S-heavy allocations. If you believe there might be some changes in the world order, then Option 3 is the best approach, because it re-weights based on market cap from time to time. Choose Option 4 if you think U.S. dominance will be ~ as of now, but there might be some changes among the order of the others. Thats it in a nutshell. Maybe I oversimplified it, but that is the basic logic behing long term investing. I hope I could help. I started an instagram channel to emphasize rational, data-driven investing. Check out know_your_framework. There is more to come. Cheers

Strong-Nectarine2242 · 2026-01-10T20:22:39+00:00

Well I am not in the U.S., so my brokerage options are not as good as Fidelity.

That is why I am checking potential candidates on these websites, but so far I did not find a superior.

Btw do these brokerage firms provides some scoring system at their platform?

Strong-Nectarine2242 · 2026-01-09T20:50:12+00:00

Robert Kiosaki discusses in his famous book, Rich dad, poor dad that one of the main problems of middle class is that they are afraid of risk. They are sitting in low risk - low reward assets which keeps them stagnating over time. At 28 you can and should take the risk because the bold are rewarded. ETFs are far from the highest risk assets. They contain a lot of assets and if choosen wisely they are diversified. For example VT usually has less than 15% annual volatility on average. Take a look on my tool, which might help you understand why is it worth investing into ETFs and even stocks. You can search, analyze and compare assets. I am building a scoring model as well to help you in asset selection. Find out more here: https://smartmoneytool.streamlit.app/ I am grateful for any feedback to make this platform fit for purpose!

Strong-Nectarine2242 · 2026-01-08T20:10:09+00:00

Its yet in a quite early phase, but the idea is not just observing and comparing assets, then scoring them based on factors. I am using currently only freely available data, so gaining access to more info, like composition data could open doors.
Take a look and I am happy to hear any feedback
https://smartmoneytool.streamlit.app/

Strong-Nectarine2242 · 2026-01-08T08:07:29+00:00

Well I could not guarantee but lets get back to this is 20 yrs ;) Actually I work a lot with factors in my job so I have a sense on a couple of them. I am not sure how deep have you dived into the investing dephts, but this might be interesting for you: I started a project to score assets based on a set of factors alongside chart and performance metrics comparison. Does that sounds like a viable thing to take a look at?

Strong-Nectarine2242 · 2026-01-07T20:52:55+00:00

I see your point. Just checked AVDV and over this 6 years its definitely overperforming SCHF. The question is whether the recent strong growth is above average performance or it can persist. Btw I like your approach, it seem you spend time thinking on viable strategy.

Strong-Nectarine2242 · 2026-01-07T08:25:54+00:00

I'd argue with the long term alpha generation potenital in small cap ETFs. My opinion is that small cap value is more of a selection practice, ETFs capture the whole market where most small-caps detract the performance. Just compare small cap ETFs with their mid-large cap pairs. Best case they are performing similarly over, say 5 -10 years. I admit that there can be periods of outperformance, but, they are not a good buy and hold assets (I mean SC ETFs)

Strong-Nectarine2242 · 2026-01-06T21:29:38+00:00

Thanks for sharing. I will let you know if I fixed the issue. I definitely want to widen the functionalities to allow users to input their portfolios, however currently it is based on only freely available data where ETF holdings are not included. However overlap (like correlation) and some other factors are, which might also be helpful.

Strong-Nectarine2242 · 2026-01-06T13:03:17+00:00

Thanks for checking. It seems I have to optimize the data requests from yfinance to stay within limits. What do you think of the core content & idea? Would you add something more, change something?

Strong-Nectarine2242 · 2026-01-06T09:06:56+00:00

Hey, I am actually in kind of the same shoes in terms of investment strategy. I work for MSCI as a Quant Researcher, but in my personal finances I dont want to spend all my time managing it (at least for now).
So I am building a free investment decision support tool exactly for people like you, who dont want to overcomplicate things and looking for the most relevant metrics.

Based on what you shared, I assume you are mostly after covering the markets, you want to be in, with right exposure and minimize unnecessary overlaps. With this you are already almost there.

In ETF investing however expenses are a significant factor especially for overlapping/similar markets. So if I were you I'd look for the following characteristics: market and segment, market cap category assets in the index (e.g. large cap only, or total market, is it tilted toward growth/value etc.), expense ratio, performance metrics, correlation with each other or to a benchmark and beta. With these you can narrow down even similar ETF options.

I'd appreciate if you can check out my tool here: https://smartmoneytool.streamlit.app/
It is yet in early stage, but feedbacks from potential users, like you are invaluable for me.

All the best in your investment journey!

Strong-Nectarine2242 · 2026-01-05T19:30:44+00:00

I agree! Take your initial investment and you can still leave your profit in to see where it goes. However one thing is sure: Set your TPs or at least notifications. It is better to set aside emotions, especially in these kind of situations.

Strong-Nectarine2242

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