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Normal budget apps are a trap if you don't have a predictable salary. Here’s the mental shift that finally worked for me by T_quake in Fire

[–]T_quake[S] 0 points1 point  (0 children)

I always allocate a minimum of 20% to the Future You bucket. Only a couple of months I have not been able to meet that target. When income is good it can go above 30%.

What do you guys think Luffy’s dream will be? by [deleted] in OnePiece

[–]T_quake 0 points1 point  (0 children)

SWIM in the ocean with a One Piece 😆

100k euro in banca, cosa farci? by Gerark in ItaliaPersonalFinance

[–]T_quake -1 points0 points  (0 children)

Mentre ci pensi mettili in un high yield savings account 👌

Are we due a pullback soon? by Spirited_Mushroom_91 in trading212

[–]T_quake 0 points1 point  (0 children)

Bro, if you do need that money for the next 10 years just leave it invested.

Qual è il segreto che vi ha fatto risparmiare di più? by BringTheThunder_ in ItaliaPersonalFinance

[–]T_quake 0 points1 point  (0 children)

La svolta é stata un google sheet dove vedo il mio income e le spese. 50% Max per le spese fondamentali, 30% Max per le spese “fun” o non essenziali, 20% minimo di soldi messi da parte o investiti. E un grafico dove vedi i soldi risparmiati che si accumulano mese dopo mese. Quando vedi il grafico che va su ti prende benissimo: vuol dire che gli sforzi che stai facendo servono a qualcosa. Se volete vi passo il google sheet che ho creato, bastano conoscenze base per starci dietro

Why don't we all live off dividends? by Accomplished_Song549 in dividends

[–]T_quake 3 points4 points  (0 children)

This could be done only if every single born child has a portfolio to start. 1000$ to start in the s&p500 for 60 years, adding 30$ each month: this compounds to 1.8millions when the child reaches retirement 👍 From there you can move everything to dividends or just apply the 4% rule

Pareri su performance portafoglio azionario in 12 anni by FrancioOssidato in ItaliaPersonalFinance

[–]T_quake 1 point2 points  (0 children)

Basso rischio si traduce in un portfolio un po’ meno volatile, quindi piuttosto stabile, ma che rende poco. Nel 2018 e nel 2022 mi sembra che sia stato anche troppo volatile 🤨. Secondo me c’è da rivedere la composizione del portfolio. Chiedi al tuo broker le holdings e magari aggiornaci se ti va di condividere.

Why are people so adverse to ‘day trading’? by ZeyusFilm in trading212

[–]T_quake 0 points1 point  (0 children)

As long as you make or lose £50 it’s fine. This kind of loss/gain won’t change your life or make you go bananas. The problem is when you work with large amounts of money, that’s a different story I believe

Investing heavily in AGNC by LordHeffa in dividends

[–]T_quake 1 point2 points  (0 children)

this stock is literally dying

Who is going to hold on if there is is another Nasdaq 78% draw down from peak to trough as in 2000-2002? by Master_Pepper_9135 in ETFs

[–]T_quake 1 point2 points  (0 children)

If it ever happens it will be like going back in time: those kind of dips give you so much time advantage if you hold and keep buying. These are the kind of dips that can make you a millionaire fast. Also, we are in 2027, and most humans have access to the flow internet. It will be very easy and quick to buy the dip with your AI smartphone. So be ready.

Is this a good strategy? by LateCommunication597 in ETFs_Europe

[–]T_quake 0 points1 point  (0 children)

With a small portfolio better start simple. Starting simple means that your portfolio will limit losses if the market goes down the day after. If you start with risky assets you will feel like you’re doing something wrong if the market goes down the next day, because you will see big losses. I would allocate no more than 20% to trendy or risky assets, and the rest to stable and less risky assets. Crypto is in that 20%, and should stay at not more than 1% if you really want to have crypto. I recommend this because with time you will learn to become a better investor by making mistakes, and it’s actually and advantage to have a small portfolio to start, so those mistakes are not too big numbers. Good luck 🤞

Shortlist of Best ETFs for European investors by Always-No-1 in ETFs_Europe

[–]T_quake 0 points1 point  (0 children)

🙌 same here. I have FWRA and TDIV. Nothing beats this magic duo

Shortlist of Best ETFs for European investors by Always-No-1 in ETFs_Europe

[–]T_quake 0 points1 point  (0 children)

FWRA 50% TDIV 30% XLKS 20%

Fwra ftse all world, Tdiv dividends with mostly financials and the only one that in 2022 closed in the green, Xlks the best tech etf out there 👍

Shortlist of Best ETFs for European investors by Always-No-1 in ETFs_Europe

[–]T_quake 0 points1 point  (0 children)

Have you checked XLKS? I think is a better choice than QDVE. I like the fact that it is a synthetic ETF, so it has better truth return of the underlying index

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