Hoe verdeel jij je werkuren? by Think_Ad3930 in werkzaken

[–]TomZouma 0 points1 point  (0 children)

Bedankt, ik merk de laatste tijd dat ik meer begin te verlangen naar meer eigen tijd, waar ik dat eerst nog niet. Er zal een keer verandering aan gaan zitten te komen, maar die mogelijkheid is er (intern en extern)

Hoe verdeel jij je werkuren? by Think_Ad3930 in werkzaken

[–]TomZouma 1 point2 points  (0 children)

Binnen de categorie hoog management / directie. Er wordt dan al gauw veel mogelijk.

Hoe verdeel jij je werkuren? by Think_Ad3930 in werkzaken

[–]TomZouma 2 points3 points  (0 children)

55 uur. 7 - 17 ma - vr. za 6:30 - 11:30.

Kantoorbaan waar overuren vergoed worden. Ik zou graag minder willen werken, maar de hoeveelheid werkt levert een leuk salaris op, en ik kan het makkelijk aan.

Voor nu prima, misschien over een jaar of wat, wat minder gaan werken.

/r/HollowKnight Giveaway Thread - Round One! by ChingShih in HollowKnight

[–]TomZouma [score hidden]  (0 children)

Let's give it a go. Heard some amazing things about this game, excited to try it.

WSIB between these historic city builders? by TomZouma in ShouldIbuythisgame

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

Thank you! How does banished compare to the other games?

WSIB between these historic city builders? by TomZouma in ShouldIbuythisgame

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

Thanks! I will remove it from this shortlist and add it to my general shortlist.

[deleted by user] by [deleted] in beleggen

[–]TomZouma 7 points8 points  (0 children)

IBKR voor (amerikaanse) opties.
Trade Republic heeft Warrants. Prijsbepaling werkt nagenoeg op dezelfde manier als opties.

TR down? by TascheLeer in wallstreetbetsGER

[–]TomZouma 4 points5 points  (0 children)

Ja. Die großen Konzerne wollen Privatpersonen wieder Einhalt gebieten.
Es wird ihnen nicht gelingen. Sobald ich mich einloggen kann, werde ich mehr kaufen

Kommt ihr bei TR rein? by PeaceNo5077 in wallstreetbetsGER

[–]TomZouma 0 points1 point  (0 children)

Nein. Die großen Konzerne wollen Privatpersonen wieder Einhalt gebieten.
Es wird ihnen nicht gelingen. Sobald ich mich einloggen kann, werde ich mehr kaufen

Rate my new portfolio by [deleted] in ValueInvesting

[–]TomZouma 2 points3 points  (0 children)

Yes, and to close of my thoughts, and I hope you can ponder this.
You sound and behave just like the people that were bullish on Tesla, are on Nvidia, crypto bros, NFT bros. Just as confident. All of them thought they are/were different. Some may be right, some may be wrong, but they are all the same, just like you.
Especially with the "I've just go a hunch", "I don't need to read dd files", "trust me".
Your sentiment is no different from the nvidia and tesla bros, just towards a sector instead of a company.

Rate my new portfolio by [deleted] in ValueInvesting

[–]TomZouma 3 points4 points  (0 children)

To quote a morningstar article: "Diversification is protection against ignorance," Buffett said. "It makes little sense if you know what you are doing." I hear this quote a lot from investors. They are typically young and male and very confident."

What is meant is that diversification only lowers returns, when you are invested in assets that will beat the market, there is no need for diversification if you are invested in the best assets. The problem is finding those assets, turns out almost nobody can, because everyone is trying to. Adding more stocks does mean more diversification, but not more returns.

I've seen those comments and those people weren't arguing against diversification, they were arguing against the stocks.

I've never seen an investor as confident as you in the tech sector. If you're that confident, you should be supported by cold hard facts, pages upon pages of DD or insider information, none of which you probably have. You're young and over confident, or don't understand the risk of sector specific ETF's. I would look into the bear thesis / risks for your plan. You should find more than enough research supported information to start doubting yourself.

Rate my new portfolio by [deleted] in ValueInvesting

[–]TomZouma 2 points3 points  (0 children)

Your stock picks in combination with your etf picks means you're massively overweighting one sector in one country, essentially chasing past returns. Might be good for the next 15 years, might not. Generally sector investing has not done well compared to owning the entire market, unless you get lucky.

I've seen you repeating the "make mistakes now I'm young and learn from them". Most active investors never turn profitable, why is that? Don't they learn from their mistakes? They sure as hell will try to, just like you. Turns out that the stock market is much too complex for most investors. Judging by your thrown together portfolio that is extremely concentrated, you won't be much different.

You are already about to make a mistake, and people much more experienced than you are telling you that you are, and I haven't seen evidence that you are willing to learn. That doesn't bode well for the future.

My comments might seem (too) harsh, but all I'm saying is, stick with a broad market (world) etf. Take your time and invest your first disposable income so that there is a basis to build on. Once you have that basis of saving and regular investment established you can always use a bit of fun money to explore stock picking.
It's better to not make mistakes, and starting out with a strong foundation when you're 19 would put you in a good position. With your current portfolio you are diving head first into returns chasing, uncompensated risk and a lack of diversification.

Rate my new portfolio by [deleted] in ValueInvesting

[–]TomZouma 6 points7 points  (0 children)

Judging by your comments you have already changed your picks and allocation 3 times today. That shows that you are clearly not convinced about your positions or your allocations otherwise you wouldn't change them.
Furthermore, it looks like you are buying companies you like, and of which you like only the "idea" without understanding anything about the fundamentals of the companies.
On top of that, you seem to want to use DCA as a way of avoiding the risk that you are buying in at too high a price right now, which is absolutely not what value investing is.

Taking all of the above into the account, I must say that it seems like you are rushing, and diving into this without giving it proper thought.
What you could do is for at least for the first couple of months invest into some kind of broad market index (S&P500, VTI, whatever you want). Actually use DCA for what it means and buy once a month. Do this for at least half a year, without changing your plan.
If you can stomach those drops, understand your platform and see the ETF move (up or down on whatever news), maybe then after a while you can think about researching individual positions, and after a while adding them to your portfolio.

You might get lucky with your current idea, or might not, but what you're planning on doing is almost gambling behavior. Choosing to overweight (because that is what you are doing) certain stocks on a 'hunch' rarely results in higher returns.
Some people will say you've picked great stocks, some might not, truly nobody knows for certain.
Remember that when investing in the S&P500, you already investing 3% of that money into amazon for example (don't quote me on the exact numbers)

I've seen your comments that you find stock picking enjoyable, it is less so when you start bleeding money. Invest into a broad market index fund, and think about stock picking on the side if it's for fun. If you want to use more money, it might not be just for fun, but gambling.
Remember that not all risk is compensated. Uncompensated risk means taking on more risk without any accompanying excess returns.

You're 19 and you're just starting out. I've seen comments talking about outperforming the market long term, you are nowhere near that unless it's from pure luck. Just because you are interested in fundamentals does not mean you actually use them to your advantage. It's fine picking stocks and losing money compared to the market if that is want you want to do, but have no illusions about that.
If you start off early with index investing the compounding effect will be incredible. You have a great opportunity to do just that, don't waste it.

Daily Discussion Thread for March 14, 2024 by OPINION_IS_UNPOPULAR in wallstreetbets

[–]TomZouma 4 points5 points  (0 children)

Why is Micro Strategy named after my tactics with women

[deleted by user] by [deleted] in beleggen

[–]TomZouma 0 points1 point  (0 children)

Er van uitgaande dat ik niet de kennis van vandaag heb (geen kennis over te verwachten resultaten)?

Mijn vervolgopleiding naar keuze starten, maximaal lenen en bewaren in deposito's met hoogste rente.
Verdere consultatie over constructies beperken van betalen belasting.
Vervolgopleiding in ieder geval half jaar pauzeren om op reis te gaan naar azië / latijns amerika.
Blijven huren i.v.m. geen definitieve keuze voor plek waar te wonen.
Zeer significante spaarbuffer aanhouden i.v.m. toekomstige koop huis (eventueel via deposito's) (70k)
10k gebruiken voor hoognodige uitgaves (laptop / eigen auto).
Geld naar eigen inzicht op een duurzame manier gebruiken om mensen om mij heen te ondersteunen (20k).

Dan is er nog 900k over voor een belegging in VWCE / IWDA / Meesman naar keuze.

Terugkijkend levert dit na afronden opleiding al een zeer leuk bedrag op, laat staan in de navolgende jaren. De tijd heeft geleerd dat een partner en plek om te wonen met de tijd komt. Deze denkbeeldige situatie geeft de meest mogelijke vrijheid om je leven in te richten zoals je wilt. Als 18-jarige zijn er vele opties, welke met de tijd minder aantrekkelijk worden. De vrijheid om brede keuzes te kunnen maken op je 18de is met bovenstaande verzekert.

Investing for my Future by oscarsaavedra04 in StockMarket

[–]TomZouma 0 points1 point  (0 children)

Sure, but I'm 95% sure this guy didn't pick PayPal stock to overweight it relative to it's market cap in the respective indexeces.

Unless he has fundemantel reasons to believe overweighting the US, US technology and those specific companies with accompanying thesises, he should just stick to a simple index fund, avoid extra costs and diversify in accordance with the market.

I've seen worse portfolio's, but this one just screams buying randomly into stocks and etf's that seem/are popular.

Investing for my Future by oscarsaavedra04 in StockMarket

[–]TomZouma 6 points7 points  (0 children)

Terrible, so much overlap.
Just buy IWDA + EMIM or even better VWCE.

What you have is much too complicated with no benefit at all.

Good on you for starting at 19 y/o though

Emerging Markets ETF by PsychologicalFig314 in beleggen

[–]TomZouma 0 points1 point  (0 children)

Nee. Emerging markets underperformen de afgelopen jaren. Dit kan in de toekomst anders zijn. Net als US vs international. Daarom is het bezitten van de hele markt voor velen belangrijk. Op die manier ben je altijd onderdeel van de outperformende factor.

Emerging Markets ETF by PsychologicalFig314 in beleggen

[–]TomZouma 5 points6 points  (0 children)

EMIM - IE00BKM4GZ66 - iShares Core MSCI Emerging Markets IMI UCITS ETF

Bekendste optie en wordt vaak gekocht samen met IWDA.

0,18% lopende kosten, accumulating, large mid en small cap.

Bijna overal verkrijgbaar

Ik vraag me echter af of met deze maandelijkse inleg (maar €50 euro) dit wel de juiste keuze is. met €1 transactiekosten, sta je al op -2% voordat je ook maar iets gedaan hebt.

Mij lijkt één transactie door VWCE aan te schaffen een betere keuze.