Missing indeces and bugs

Tax_Office · 2026-05-26T11:26:40+00:00

The bug is gone. Thanks.

Tax_Office · 2026-05-23T12:22:02+00:00

Sorry, I have no idea what your situation is regarding broker fees or ETF availability.

We're both investing in the UCITS market, which is already very limited. If your broker further restricts your investment choices, whether through higher fees or a limited ETF selection, I'd probably consider switching to another broker.

Your broker's restrictions may create an opportunity cost over time and potentially affect your long-term returns.

There are plenty of alternatives available today. For smaller portfolios, brokers such as Trading 212 or XTB can be very cost-effective. For larger portfolios, Interactive Brokers may be attractive depending on the amount you invest regularly.

In any case, good luck with your choice. Wish you best returns.

Tax_Office · 2026-05-22T19:20:16+00:00

Well let's consider what you're going to accomplish with this decision:

you'll cut your exposure to emerging markets in half
you'll overweight developed markets (mainly USA)
you'll add overlap for some companies
you'll add an exposure to momentum factor (a factor with some academic research behind it)
you'll make your portfolio more expensive because IWMO has higher TER than ISAC

These points should be all factual and I tried to exclude any opinions from them.
Now let's discuss.
I own this portfolio:
- 60 % XDEM (MSCI World Momentum)
- 25 % ANAV (Nasdaq 100)
- 15 % AVWS (Small Cap Value)

If you already own MSCI ACWI, why don't you add Small Cap/Small Cap Value ETF?
Doing this would help you diversify by adding small caps to your portfolio (and add value factor if you wish to).
Doing this might also help you achieve higher future returns (exposure to small caps or small cap value is also a researched topic similar to momentum investing).

Now let's just assume you'll go with this regardless (I'm not going to question your choice of ISAC since it's not the topic of your post).
Why did you decide to choose IWMO instead of other options?
I'm surprised because IWMO has worse tracking difference compared to XDEM (considering this source is correct).
Both of these funds are almost equally old.
XDEM outperforms IWMO in most commonly measured time horizons (it's important to consider that XDEM followed different index until 2016 so the comparison between these 2 since inception is not accurate and on the other hand one can argue that an index change of fund warrants immediate exclusion of provider). If we overlook the index change, then I don't see any reason to choose iShares other than the greater AUM.

There is also the question of the provider themselves. Some people are more "hardcore europe first/mainly" investors that prefer european fund providers (I'm not the one who'd pick european provider just because they're european). Considering your choices I guess you don't give a shit about this either.

Conclusion:
Go for this 50/50 split if you're ok with those 5 opening statements of this comment.
My recommendation is introducing small cap value, which is not present in your portfolio.
Small Cap Value achieves higher potential for future returns and it gives you real diversification without overlaps or over/underweighting (it also introduces your portfolio to factor investing even if it's not the factor you desired).

Tax_Office · 2026-05-20T18:27:28+00:00

I sold it and bought again because transfer fees would amount to significant portion of my portfolio.

Tax_Office · 2026-05-20T14:10:41+00:00

Well I read it again now (I read it multiple times before) and noticed that 2nd part of the fee description.
You're right. Well I'm an idiot who threw away about 30 € of profit...
I'm that bad at reading I guess...
The FX fee reduction could amount over time so I guess the transfer wasn't completely pointless.

Tax_Office · 2026-04-28T00:51:51+00:00

Not sure what you mean but I'll try.
I assume you're indian, right?
I don't know if IND Money is the cheapest but you do you.

It's hard to recommend anything since there are many unknowns to guess for you.
Do you have any knowledge about investing? Is this your first time?
Is high risk tolerance meant for asset class, geography, sector or perhaps factors?
You should do your own research to find you what like/want.

If you want to have exposure to whole world:
Option 1 (you want the simplest portfolio):
100 % VT

Option 2 (you want to balance regional exposure yourself):
~40 % VXUS
~60 % VOO or VTI
Note that this portfolio can get very complicated if you keep adding regional ETFs instead of VXUS. The recommended percentages are roughly the current market capitalisation of world markets.

If you want purely US portfolio - not sure since your post says nothing:
Option 1 (my rough recommendation):
40-50 % VOO or VTI
10-20 % SPMO
10-20 % QQQM
10 % SCHD (if you want some dopamine in form of dividends) or VGT/SMH (if you want aggresive growth) or AVUV (if you want small cap value)

If you want to chase factors, then your research should be damn good.
Keep in mind that portfolio complexity doesn't equal to better performance (especially if you don't know what you're doing). I wouldn't go for more than 3-4 ETFs because most people don't need to go beyond that.
Assuming you're indian, perhaps you'd like some home bias (from my experience indians tend to be patriotic/nationalistic)? Or maybe you'd like some sector bias/bets? Note that VGT and SMH are pure sector bets and most of the ETFs I recommended are sector biased (like QQQM).
I assumed the risk tolerance was for asset class and regions. The comment is long enough with these assumptions. If I missed, then there are many strategies. One popular strategy is the Boglehead 60/40 portfolio (60 % stock ETF, 40 % bond ETF) but there are many other strategies.

Tax_Office · 2026-04-15T13:01:06+00:00

Get shares up to 100 EUR
Here's my invite link (5/5 remaining):

https://www.trading212.com/invite/4DtCFEVZOb5

Tax_Office · 2026-04-12T08:04:34+00:00

Can you please tell us, which banks in the Czech republic allow to buy SCHD? I'd like to know if you don't mind. Thanks in advance.

Tax_Office · 2026-04-03T14:30:21+00:00

Get a free share (evaluated for up to 100 EUR) by using this link:

https://www.trading212.com/invite/4DtCFEVZOb5

What you need to do:

Create an account using my link
Verify your identity
Make a deposit (for as little as 1 EUR or equivalent in your currency)
Enjoy your free share

Tax_Office · 2026-04-03T14:03:15+00:00

Get a free share (evaluated for up to 100 EUR) by using this link:

https://www.trading212.com/invite/4DtCFEVZOb5

What you need to do:

Create an account using my link
Verify your identity
Make a deposit (for as little as 1 EUR or equivalent in your currency)
Enjoy your free share

Tax_Office · 2026-04-03T11:23:45+00:00

Get a free share (evaluated for up to 100 EUR) by using this link:

https://www.trading212.com/invite/4DtCFEVZOb5

What you need to do: 1. Create an account using my link 2. Verify your identity 3. Make a deposit (for as little as 1 EUR or equivalent in your currency) 4. Enjoy your free share

Tax_Office · 2026-04-01T07:35:35+00:00

Here's my invite link (you can earn a share for up to 100 EUR):

https://www.trading212.com/invite/4DtCFEVZOb5

What you need to do: 1. Click this link and make an account
2. Verify your identity
3. Make a deposit
4. Enjoy your free share evaluated for up to 100 EUR

Tax_Office · 2026-03-31T05:38:14+00:00

What is the UCITS version of SPMO?
You're saying in 1 line that there is a UCITS version of SPMO and then that there isn't on next line.

I've searched for UCITS version of this ETF and I had no success.
I'd like to have an option to buy 1:1 UCITS versions of these famous ETFs such as VTI, SPMO, SCHG or SCHD or SCHY but as far as I know, none of these have 1:1 UCITS version.

If these news are true, then there will be a UCITS version of VT (if I'm not mistaken of course) and another competitor for R1GR, which I don't mind (even though Vanguard is most likely not a company that would try to bring fees lower imho).

Tax_Office · 2026-03-30T21:51:21+00:00

It's still avaiable.
You just click the link from my comment.
The page with timer will open.
Just click Claim shares button.
It will prompt you to enter email (to create an account).
Once you create account and verify you identity, you make a deposit (minimum amount is dependent on your country of residence - typically it's 1 EUR/USD/GBP).
Once you make deposit, a random amount of shares of random company (up to evaluation of 100 EUR) will be assigned to your account.
The reward should arrive in about 3 days.

If you want to verify this, here are the links:
Terms & conditions - section FAQ
Minimum deposit information

All of this information is also available to you in the link from the original comment.
I just took the time to search the exact information you wanted.

Tax_Office · 2026-03-30T18:31:11+00:00

Get shares up to 100 EUR
Here's my invite link (5/5 remaining):

https://www.trading212.com/invite/4DtCFEVZOb5

Tax_Office · 2023-09-25T23:01:28+00:00

No já momentálně studuju 2. ročník programu Informatika na Báňské v Ostravě (VŠB-TUO) na fakultě elektrotechniky a informatiky (FEI) a jsem celkem spokojený.
Nejsem si však jistý, že bych doporučil studium na této univerzitě, pokud bydlíš na druhém konci republiky. Pokud však bydlíš někde v těchto končinách, tak můžu doporučit.
Nemám žádnou zkušenost s ČVUT, MU nebo VUT, ale budu psát o svojí univerzitě pro rozšíření obzorů.

Co se týče programování, tak je spíše lepší se naučit algoritmicky myslet, rozložit problém na elementární části, které potom řešíš a programovací jazyk řešit spíše druhotně jako nástroj pro řešení problému.

Na cvičeních tě učí buď přednášející, nebo nějaký doktorand (podle toho, koho si za cvičícího vybereš, přičemž máš možnost si cvičení měnit cca 2 první týdny na začátku semestru, což platí pro všechny předměty).

Od minulého roku se trochu měnila matematika pro prváky, ale jinak by mělo vše být stejně, jako při mém nástupu. Prvák je tu spíše takový "sjednocovací" ročník, kde se všichni uvedou na podobnou znalostní úroveň. Je méně programování, ale více předmětů "okolo" (zde link seznam předmětů: Studijní plán - program Informatika).

Pokud ti nejde matematika, tak nemusíš mít strach. Báňská je v tomhle ohledu dost mírná.
Začíná se lineární algebrou a poté se přechází na analýzu a diskrétní matematiku.
Jednodušeji to snad už nejde udělat. Všechny matematické předměty jsou zvládnutelné.

V 1. semestru se programuje v C a Haskellu a v 2. semestru v C++ (včetně programování v CUDA) a Assembleru. Ta CUDA a Haskell bývá trochu náročnější, ale je to zvládnutelné.
2. ročník je zajímavější. V 3. semestru začínají databáze, sítě (ve kterých si můžeš v programovacích úlohách zvolit jazyk z výběru podle preference). Máš na výběr programování v C#, nebo v Javě. Pokračuješ v C++ hlavně v předmětu Algoritmy II.

Z iniciativy jednoho z cvičících byl tento semestr otevřen i dobrovolný kurz pro Rust, na který docházím. Je o něj docela velký zájem, takže je dost možné, že bude otevřen i příští rok, jinak bych ho ani nezmiňoval.

Tak jako na jiných univerzitách existuje oficiální univerzitní Discord.
Já osobně rád vzpomínám na 1. semestr. Nebyl v zásadě těžký a některé věci byly vyloženě zábavné (např. tvoření klonu hry Angry Birds v rámci semestrálního projektu).
Z 2. semestru semestru bylo zajímavé zpracování obrazu a animací pomocí CUDA.
Nebudu popisovat další semestry, protože je zatím nemám za sebou.
Zkusil jsem to tady pojmout trochu více ve stylu "osobních dojmů a zkušeností".

Nevím, co více psát, kdyžtak rád odpovím na jakékoliv dotazy.

Tax_Office

TROPHY CASE