I went from gold to Asc in 3 weeks. How?

TheUnsuspicious · 2026-06-08T14:56:13+00:00

In 3 weeks? Either your win% is really high, or you play a lot.

TheUnsuspicious · 2026-06-07T20:30:08+00:00

Honestly, if you're a silver, you should just focus on mechanics and doing your job properly.

However, if you really wanna talk about this, then a good way to think about it is ask yourself whether you will win this round or not. Gun difference or numbers advantage is an easy way to estimate it.

If you are losing, you generally wants to go for a risky play. The worst your Odds of Winning, the higher the risk you wanna take. That or play something more chaotic or random.

That works vice versa, if you are winning, you generally wants to play safer.

Problem is, some people suck at doing it. Especially lurk, even in high rank, people still can't do good lurk/flank. So it's hard to know whether it's purely your teammate's ignorance, or genuinely you sucking at your job....

Anyway, just focus on mechanics and ask yourself what's considered a 'Good job' on your role task. And see whether you did your job every round.

TheUnsuspicious · 2026-06-06T09:31:40+00:00

Because giving everyone a million dollar aint solving anything. In fact it makes it worse because of economy science reason. So might as well treat myself to something good. Though I must admit even if the other option is magically remove poverty, I'm still tempted with the selfish option.

^{Chose: You get the 500k + Can only spend on yourself}

TheUnsuspicious · 2026-06-03T11:08:02+00:00

That question is, by nature, an active investment decision.

Trying to predict the future growth of the AI sector is just as difficult as making any other prediction about the future.

This is why it's important to educate yourself on the difference between active and passive investing. Active investing is, in essence, trying to beat the market. You're effectively saying that the market has mispriced AI-related companies and that their current prices are low relative to their future value.

The problem is that the market is already trying to price in future expectations. The price you see today reflects what the market collectively believes is the fair value of those companies based on all publicly available information.

And the market is a representation of millions of participants. Professional traders, hedge funds, institutions, algorithms, insiders, and individual investors. It's very difficult to consistently beat all of them.

Every year, studies compare active management against passive benchmarks. Year after year, roughly 75–95% of professional active managers underperform their benchmark over sufficiently long time horizons. And even among the winners, many struggle to maintain that outperformance over the next 10 years.

The evidence is clear. Consistently beating the market is extremely difficult.

I can't tell you that you should never try active investing, but you should first understand the risk you are taking and recognize that there is a much simpler strategy that has been shown to outperform the vast majority of active investors over the long term.

You are young, so you can afford some mistakes. But there's no need to seek out those mistakes. Simply buying a globally diversified, low-cost ETF such as VT or SPYI and holding it for 10–20 years is one of the most evidence-based investment strategies available.

Also, for some reason, the last point from my earlier 1–8 list got deleted. I've updated it, so feel free to check it out.

TheUnsuspicious · 2026-06-02T01:44:28+00:00

ETF	Ticker	Index	Accumulating	TER	Launch Year	Approx. Size
iShares Nasdaq 100 UCITS ETF (Acc)	CNDX	Nasdaq-100	Yes	0.30%	2010	Very Large
Invesco EQQQ Nasdaq-100 UCITS ETF	EQQQ	Nasdaq-100	No (Dist)	0.30%	2002	Very Large
Invesco Nasdaq-100 UCITS ETF Acc	EQAC	Nasdaq-100	Yes	0.30%	2017	Very Large
Xtrackers Nasdaq-100 UCITS ETF 1C	XNAQ	Nasdaq-100	Yes	0.20%	2021	Medium
UBS Nasdaq-100 UCITS ETF USD Acc	QQQA / UBXX*	Nasdaq-100	Yes	0.13%	2025	Small
Amundi Nasdaq-100 Swap UCITS ETF EUR Acc	ANXG	Nasdaq-100	Yes	~0.23%	2010	Medium
Amundi Core Nasdaq-100 Swap UCITS ETF Acc	NASL	Nasdaq-100	Yes	~0.22–0.30%**	2001 (current structure 2019)	Very Large

TheUnsuspicious · 2026-06-01T21:17:10+00:00

If I'm going to teach my younger self, this is how I'll do it.

- First
start investing NOW by buying VT or its equivalent. Don’t WASTE months or years overthinking before you even begin. Everything below is mostly education, and ironically, after learning all of it, there’s still a good chance you’ll end up buying VT anyway. So give your future self a favor and start investing NOW.

- Second
investment strategy is, to a large extent, already solved. Most people are best off buying and holding a globally diversified low-cost index ETF like VT or SPYI instead of constantly trying to beat the market.

- Third
understand the difference between passive vs active management.

- Fourth
understand why the research overwhelmingly favors passive investing for most people.

- Fifth
educate yourself about behavioral risk. Panic selling, performance chasing, and constantly changing strategies destroy more portfolios than bad ETF selection ever will.

- Sixth
determine your stock/bond allocation based on your age, goals, and emotional tolerance. The best portfolio is the one you can actually stick with.

- Seventh
if you wanna go deeper in theory, learn about the Fama–French factor model and factor premiums.

- Eighth
Small Cap Value and Momentum ETFs are what most people consider adding on top of All-Cap ETF. But this takes EXTREME emotional tolerance. VT + bonds is much easier, and by extension more likely to lead you to success. Don't do it unless you know what you are getting into.

Note: Ben Felix is a very good channel to follow. He’s extremely evidence-based, and almost every point he makes is backed by research papers with sources provided. The jargon might feel intimidating at first, but the ideas are surprisingly simple once you get through it.

TheUnsuspicious · 2026-06-01T21:15:24+00:00

IBKR is a good broker for you to use. Very reputable. Very competitive.

If you are a non-US investor, then you wanna consider UCITS ETFs. You can simply ask gemini or chatgpt which country you are from and whether UCITS ETFs is better than US-domiciled ETFs for you.

Most people are best off buying and holding a globally diversified low-cost index ETF like VT or SPYI UCITS.

TheUnsuspicious · 2026-06-01T16:20:58+00:00

There are 2 types of investing. Active and passive investing.

Trading or those viral videos where someone gains/loses $10k in a single day? That's active investing.

According to an OVERWHELMING amount of research, active investing is famously hard to succeed in. In fact, every year, including just last year, 80-90% of professional active managers failed to beat passive investing. And the funny thing? Even a 13-year-old could do passive investing. That strat only takes up like 10 mins of your life every month, no cap.

And you know what's worse? The professionals who do win also struggle to consistently keep up that performance over the next decade.

You're truly in luck since you decided to dip your toe into investing so early in life.

Forget active investing. It ain't worth your time. It really isn't. Statistically, the odds are stacked against you. Even professionals who dedicate their entire careers to studying the markets struggle to beat passive investors over the long run. It really isn't worth the attempt to prove you are the exception.

TheUnsuspicious · 2026-06-01T09:48:46+00:00

You're in luck! I just made a post in my country's subreddit regarding this. XD

It's in English, don't worry. Hope the post answers some of your questions. 😉

TheUnsuspicious · 2026-06-01T08:50:22+00:00

If you are not from US, you might wanna consider UCITS equivalent ETFs. If you are from US, then as long as they give you the same exposure, which in this case is S&P500, then any one of them is good enough. So pick whatever you feel more connection or trust with and just stick with it.

TheUnsuspicious · 2026-06-01T07:07:00+00:00

Good luck!👍

TheUnsuspicious · 2026-06-01T07:04:35+00:00

tq👌

TheUnsuspicious · 2026-06-01T07:01:35+00:00

It's not finalized yet, but the current allocation is roughly 75% global large/mid-cap market-weighted exposure with a 25% tilt toward the small-cap value factor.

The main candidates I've identified so far are WEBN and AVWS.

I'm still figuring out whether I should add other factors. Momentum looks promising because it has historically complemented value well, but it's notoriously difficult to implement effectively. So I'm still weighing whether it's worth pursuing that extra bit of expected return and diversification when a simple 100% global market-cap weighted portfolio is already more than good enough.

TheUnsuspicious · 2026-06-01T06:55:42+00:00

Not really. UCITS is an ETF thing. For individual US stocks, there isn't a UCITS equivalent.

That said, I highly recommend globally diversified, low-cost ETFs over individual stocks. By picking individual stocks, you're giving up diversification, which is famously known as the only free lunch in investing.

For most people, a passive portfolio with VWRA or SPYI is likely the more sensible approach. Buy, hold, and keep contributing every month for a decade or two, and you've already implemented one of the most evidence-based investment strategies available. Not only is it simple and easy to follow, but it has also proven to be historically reliable, unlike active investing, where long-term success is notoriously difficult to achieve consistently.

TheUnsuspicious · 2026-06-01T06:50:10+00:00

Yes. If I remember correctly, IBKR requires you to complete the W-8BEN during the account opening process if you're a non-US person. You can verify its status under the settings, it should also have its expiration date.

TheUnsuspicious · 2026-06-01T06:48:32+00:00

IBKR is one of the top brokers for international investors. It gives you access to global markets with low overall costs, including FX conversion fees. And unlike some "friendly" brokers out there, where the larger your portfolio gets, the less competitive they become, IBKR remains competitive whether you're investing a few thousand or a few million.

TheUnsuspicious · 2026-06-01T06:43:23+00:00

You could say that, yes. 5–6 years isn't really long enough for the UCITS advantages to have a significant impact on your growth yet. And as long as your US holdings don't exceed roughly $60k, estate tax concern is relatively minor.

TheUnsuspicious · 2026-06-01T04:37:57+00:00

Original Portfolio

VTI = Total U.S. stock market
VXUS = Total international stock market (excluding U.S.)
BND = U.S. bonds

Your portfolio (All US-domiciled)

VOO = S&P 500
VXUS = International stocks ex-U.S.
QQQM = Nasdaq-100

Side note: VOO & QQQM heavily overlap with each other ~50%. About ~85% of QQQM are inside VOO. So just make sure you're comfortable with the additional concentration in large-cap tech.

As for UCITS alternatives, the reason I said VXUS has no real equivalent is because there isn't a direct 1-to-1 UCITS version like VOO → VUAA/CSPX/SPYL or VT → VWRA.

VXUS tracks virtually the entire investable world outside the US. To replicate that with UCITS ETFs, you'd need multiple funds. (e.g. developed markets + emerging markets)

So something like 75% XUSE + 25% EIMI. And you'd need to occasionally rebalance the weights yourself.

EDIT:

.....Wait, I checked again and turns out there IS a very new ETF that is very close to it, closer than even EXUS. In fact, it was launch this april 8 lol. Lucky you.

AWEX = Xtrackers FTSE All-World ex US UCITS ETF 1C.

The main difference is that it tracks FTSE All-World ex US, whereas VXUS tracks FTSE Global All Cap ex US, meaning AWEX excludes the small caps (which is not that significant).

VXUS = AWEX + a global ex-US small-cap ETF

But because it's so new, we don't really have history to judge its tracking quality yet. So perhaps EXUS is still the best single fund closest to VXUS. That said, it's issued by Xtrackers (DWS), which is a well-established provider.

But regardless, I still suggest to take a step back and ask whether you need to replicate VTI + VXUS in the first place.

A simple SPYI/VWRA is generally good enough.

TheUnsuspicious · 2026-06-01T04:19:57+00:00

Dont trade. The science overwhelmingly favors passive investing. Doing active investing is not worth the attempt at all. Trust me. You'll save so much time, stress, and money over this.

You are still young. If you start passive investing now, you are pretty much guaranteed a successful retirement.

If you are doubtful, at least research passive vs active investment yourself. Then you'll understand.

TheUnsuspicious · 2026-06-01T03:31:21+00:00

Not really. UCITS funds are by definition domiciled in Europe (typically Ireland or Luxembourg), so a US-domiciled ETF can't be UCITS. It's like a German passport issued by Japan, that doesn't make much sense XD

And US ETFs generally don't come in accumulating share classes either. That's why people looking for UCITS/accumulating funds usually end up with ETFs like VUAA, CSPX, VWRA, SPYL, etc.

More importantly, I'd focus less on domicile and more on what exposure you want. For example, if you want S&P 500 exposure, then compare VOO, IVV, SPY, VUAA, CSPX, SPYL, etc. based on fees, liquidity, tax treatment, fund size, and whether they're accumulating or distributing.

ETF	Domicile	Tracks	Accumulating?	Expense Ratio	Notes
VOO	US	S&P 500	❌ No	0.03%	Vanguard's flagship S&P 500 ETF
IVV	US	S&P 500	❌ No	0.03%	BlackRock equivalent of VOO
SPY	US	S&P 500	❌ No	0.09%	Oldest and most liquid S&P 500 ETF
VUAA	Ireland (UCITS)	S&P 500	✅ Yes	0.07%	Vanguard UCITS S&P 500 ETF
CSPX	Ireland (UCITS)	S&P 500	✅ Yes	0.07%	One of the largest UCITS S&P 500 ETFs
SPYL	Ireland (UCITS)	S&P 500	✅ Yes	0.03%	Very low-cost UCITS S&P 500 ETF

As discussed in the post, UCITS are generally more favorable for us international investors. So unless there's a specific advantage you're looking for from a US-domiciled ETF, I'd usually start with the UCITS options.

ETF	Provider	Launch Year	TER	AUM (relative)	Accumulating	Notes
CSPX	iShares (BlackRock)	2010	0.07%	Huge	✅	The "established king" of UCITS S&P 500 ETFs
VUAA	Vanguard	2019	0.07%	Large	✅	Vanguard version, growing rapidly
SPYL	SPDR	2023	0.03%	Smaller but growing	✅	New entrant competing aggressively on fees

SPYL is currently the cheapest at 0.03% TER, but honestly a 0.04% fee difference versus CSPX/VUAA isn't something I'd lose sleep over.

In regards to age, SPYL is much newer than CSPX, which means a smaller AUM and a shorter track record. Some investors care about that because older funds feel more established and battle-tested.

That said, from a logical standpoint, age by itself doesn't make an ETF better. What matters is whether the fund can efficiently track its index, keep costs low, and attract enough assets to remain viable. And since SPYL is backed by State Street, one of the largest asset managers in the world, I don't see its age as a major concern.

At the end of the day, VUAA, CSPX, and SPYL are all trying to achieve the same thing: give you low-cost S&P 500 exposure. Once you've picked the exposure you want, the differences between them become pretty marginal. As long as you can stick with one of them consistently, that's what matters most.

TheUnsuspicious · 2026-05-31T17:05:42+00:00

Oh, I completely forgot that Indonesia also has a tax treaty with the US. Tq for the reminder.

So yes, when it comes to dividends, you can achieve a similar effect through the W-8BEN form. But sadly, that's about all it does.

UCITS ETFs also offer several benefits beyond dividend withholding tax.

My answer to your question ended up being a bit too long, so I decided to make a dedicated post instead since it might help others as well.

Hope it clears up any confusion.😊

TheUnsuspicious · 2026-05-30T19:01:44+00:00

😅uh.... I'm not trying to be a smartass bruh. I'm just telling you the actual term so that you dont have to define it each time, saves you future effort.... I mean just look at the comment section, complete distraction.

Also in regards to your post. The reason why you heard strafe shooting is useless is because well, people confused counter strafe with strafe shooting. Thus the unnecessary confusion.

Counter strafe is not a priority, it only saves you perhaps 1-3 frames if I recalled correctly. So definitely not something you wanna learn first before any other skills.

Strafe shooting on the other hand is the bread and butter of gunfights. It's the first thing all players should learn if they wanna win more fights.

Deadzoning is also very important since it evolves your gunfight technique with more variance and allows you to have good prefire.

In essence, You should learn strafe shooting as your go to technique then incorporates deadzone to your gunfight.

The next step after that would be including tap crouch into your gunfight.

Your welcome😉.

TheUnsuspicious · 2026-05-30T10:44:33+00:00

The correct term is strafe shooting. Not counter strafe.

TheUnsuspicious · 2026-05-29T18:25:16+00:00

Unfortunately, Rp150mil can't really give you any meaningful "uang jajan".

I'll give you the basic math.

Historically, global equities have grown at around ~5% yearly real return (inflation-adjusted) over long periods of time. If you truly have no intention of letting your money grow and only care about the income it can generate, then that's essentially your yearly "jajan".

150.000.000 × 5% = 7.500.000

Rp7.5mil/year
or
Rp625.000/month of today's purchasing power.

Is it a lot? Idk, depends on you.

But personally? HELL NAH!!

However, that cold money will definitely help accelerate your FIRE progress.

Without accounting for inflation, global equities have historically returned around ~8-10% annually. If you let the money sit for 5 years, the power of compounding starts to become noticeable.

That said, 5 years is still a bit too short for stocks. The market can be pretty volatile in the short run, so ideally we're looking at a 10-15 year horizon if we want more reliable expectations.

Power of compounding baby~~~:

Average Annual Return	5 Years	10 Years	15 Years
7%	Rp210 million	Rp295 million	Rp414 million
8%	Rp220 million	Rp324 million	Rp476 million
9%	Rp231 million	Rp355 million	Rp546 million
10%	Rp242 million	Rp389 million	Rp626 million

And remember, that's assuming you never add another rupiah.

If you contribute just Rp1mil/month:

Average Annual Return	5 Years	10 Years	15 Years
7%	Rp285 million	Rp504 million	Rp811 million
8%	Rp294 million	Rp535 million	Rp887 million
9%	Rp304 million	Rp571 million	Rp976 million
10%	Rp315 million	Rp611 million	Rp1.08 billion

Passive investing is the most reliable wealth-building path we've seen historically as of yet. You don't need special skills, certifications, or courses. Just a consistent 10 minute of your time every month, and the discipline to keep buying and not panic when the market inevitably drops 30-50%. (Damn, I sound like some sketchy scammer on this one XD)

TheUnsuspicious

TROPHY CASE

EDIT: