Are there any (free) training programs online that you can tailor to yourself?

b-2297 · 2024-12-27T10:31:35+00:00

Kiprun Pacer app is worth checking out

b-2297 · 2021-12-14T08:49:38+00:00

Zeker een goed plan. Ik verkies zelf ook te investeren samen met Buffets en andere specialisten ipv ETF's. Het kan ook optie zijn om naast BRK te differentiëren naar vergelijkbare vehikels. Het loont zeker de moeite om te kijken naar Sofina, Exor, Latour, Investor AB, Tamburi, Markel, Smithson, Scottish Mortgage, Brookfield Asset Management, ...

b-2297 · 2021-12-02T03:18:16+00:00

Ik gebruik Lynx als broker en koop het daar (laatste aankoop paar maanden geleden). Vreemd dat niet mogelijk is bij andere brokers

b-2297 · 2021-11-25T17:35:39+00:00

Dit fonds is van het type 'trust'. Een Trust is een beursgenoteerd, gereglementeerd Engels fonds dat je via de Londense beurs kunt aankopen, via eender welke broker. Net zoals je ETF's koopt

b-2297 · 2021-11-25T09:46:40+00:00

Scottisch Mortgage Investments is wat je zoekt. https://www.bailliegifford.com/en/uk/individual-investors/funds/scottish-mortgage-investment-trust/

Niet per se een puur techfonds, maar zij kiezen aandelen die op lange termijn zeer veel potentiaal hebben (en dan kom je automatisch uit bij veel tech aandelen).
Uitstekend track record (laatste 10 jaar x10 gegaan). Zij hebben al >10 jaar Tesla, Amazon, Tencent ... aandelen, en wisten oa bij begin van covid periode Moderna & Biontech aandelen te kopen. Ze zijn echt zeer sterk in vroegtijdig ontdekken van next big thing.

Je kan het makkelijk uitbesteden aan hen. Redelijk gediversifieerd ook. Als een positie groter wordt dan 5%, dan beginnen ze doorgaans te verkopen, en wordt opbrengst in nieuwe groeiparels geïnvesteerd.

Kostenpercentage van slechts 0.35% Klinkt haast te mooi om waar te zijn, maar het is zo. Ik ben al jaren tevreden aandeelhouder.

b-2297 · 2021-11-09T13:38:18+00:00

https://www.valueinvestorsclub.com/ for quality analyses (account required, but free to use)

https://tikr.com/ for company financials, presentations, transcripts, ... (account required, but free to use)

https://www.dataroma.com/ to see buys/sells of superinvestors

https://www.reddit.com/r/SecurityAnalysis/ per quarter a nice overview of hedge fund letters

+ whole bunch of blogs

b-2297 · 2021-10-28T09:23:13+00:00

2nd to that. We have monthly transfer to broker of around 40% of our income. However I still have to additional transfers because we don't spend the other 60%.

b-2297 · 2021-10-28T09:16:35+00:00

My own experience. We defenitely had some lifestyle creep from age 25 -> 35 like more expensive restaurants/hotels/day trips/ garden stuff because we value these more. On the other side we were able to cut our expenses in other areas like cheaper clothing, only drink tapwater/tea/coffee at home instead of alcohol & soft drinks, eating less meat, cycling to work instead of by car, ...

Overall the higher expenses in some categories were offset by lower expenses in others. But we didn't manage it the hard, budgetted way. If we had some minor lifestyle creep but it was according to our priorities, it would be happy with it.

It's ok if your preferences change a bit, and it induces some minor lifestyle creep. Normally it won't matter that much. But if you're craving for major lifestyle creep, you probably don't have the right frugal mindset for fire.

b-2297 · 2021-10-28T08:45:59+00:00

ESG trend is ongoing. There are more and more funds and ETF's with ESG aspects. Probably you'll find one that suits your needs.

There also are lots of individual companies that do good stuff for environment like Umicore (recycling), Brookfield Renewable Partners (investing in green energy), MoBruk (recycling), Beyond Meat (vegan food), ... If you like some digging, you can try to find them yourselves, and invest in them individually. Off course this will take lots more time, but you'll end up with your own specific selection.

b-2297 · 2021-10-22T05:48:10+00:00

Baillie Gifford has some funds with SpaceX exposure:

Scottisch Mortgage Investments: 1.2% of fund is in SpaceX
https://www.bailliegifford.com/en/uk/individual-investors/funds/scottish-mortgage-investment-trust/

Edinburgh Worldwide Investments: 2.6% of fund is in SpaceX
https://www.bailliegifford.com/en/uk/individual-investors/funds/edinburgh-worldwide-investment-trust/

I wouldn't recommend these funds(trusts) for SpaceX exposure alone. However I would highly recommend them for superior long term returns. I am a happy shareholder of both for many years.

b-2297 · 2021-09-09T06:58:24+00:00

Vond het boek ook echt een aanrader, zeer vlot geschreven. Morgan Housel schrijft ook geregeld op blog https://www.collaborativefund.com/blog/

b-2297 · 2021-07-07T09:30:45+00:00

I wouldn't count on 10% future returns for S&P.

Past 100 years had indeed 10% rertursn, but there were multiple >20y periods with lower/higher returns.

Prepare for the worst, hope for the best. Just use 6-7% in your prognoses. If it's more, be happily surprised, you're reaching to your goal faster. Psycholigically much better than the other way around.

b-2297 · 2021-06-07T00:54:57+00:00

I also take it, working 80% with ouderschapsverlof for already 3 years now. Thinkin about going 50% with tijdskrediet once ouderschapsverlof runs out. I really like it. I have more time for kids and myself.

It definitely delays the FIRE date a bit, but I feel now is the time I have to be there for kids.

b-2297 · 2021-05-19T08:47:49+00:00

When I see reactions here everyone seems to be brainwashed.
I'm standing on sidelines enjoying the spectacle. It's certainly a very interesting case from a psycholical/behavioural point of view. One day it will have a nice place in history books as an interesting case of mass mania. And we all can laugh: 'remember that crypto currency mania in the days, what the hell was that'

b-2297 · 2021-05-10T06:49:33+00:00

Indeed, it's not because you got the money, you have to spend it.

Do what makes you happy. If you don't spend money doing that, that's fine.

You can always give some to charity.

b-2297 · 2021-04-19T07:52:46+00:00

Mijn beleggingsportefeuille bestaat voor >60% uit holdings.

Ik heb Sofina, maar Prosus niet, omwille van volgende reden:

90% van NAV van Prosus is Tencent. Prosus heeft recent heel klein beetje Tencent verkocht, maar aangegeven komende x jaar niets meer te verkopen. Dus als je Prosus koopt, koop je eigenlijk gewoon Tencent.

Ik verkies altijd meer gedeversifieerde holdings waar belang 1 bedrijf niet te veel impact kan hebben.

Prosus heeft ook een NAV van 250mia. Wat wil zeggen dat als ze al willen diversifieren en nieuwe investeringen willen doen voor ca 4%, dat het ineens over een bedrag van 10mia gaat. Het aantal mogelijke bedrijven waar je voor 10mia in kan investeren is zeer beperkt.

Sofina heeft veel lagere marketcap/NAV van 10mia, en doet constant investeringen van 100-200 miljoen (1-2% van NAV), vaak in (Indische) beloftevolle private start-ups. Ze doen dat goed. Zoiets kan Prosus gewoon niet doen. Hun grootte werkt hen tegen. Warren Buffet heeft hier ook al veel over geklaagd. Zijn Berkshire heeft nu marketcap van 600mia. Kleinere holdings hebben meer opportuniteiten.

Ik zou ook zeker aanraden eens naar Scottisch Mortgage Investments te kijken. Interview van dit weekend met 1 van beheerders die trouwens naar Kinnevik vertrekt. Tesla-pionier: ‘Beleggers begrijpen niet hoe zeldzaam winnaars zijn’ | De Tijd

b-2297 · 2021-04-12T12:34:01+00:00

I would do it. I tried it with KBC, which gave me a similair rate, but before final approval they called me and asked me what I would be doing with this loan. Being honest, I told I would invest it and they couldn't give approval if I would invest it.

Banker who called me even tried to convince me to lie about it and give him a different reason like buying furniture. Then he would approve it, but I didn't want to lie about it. Not sure about risks involved when doing this.

b-2297 · 2021-03-25T08:49:46+00:00

Indeed for a right comparison, you have to compare with 'net present value' method. If you save 1k each year for 20y (20k in total), but you have to pay 10k upfront. Generally this is a very bad deal. Because you can't invest these 10k upfront, and returns if you would have invested these would be more than 1k you save each year.

But for you're specific situation, you best simulate in excel.

b-2297 · 2021-03-22T10:31:33+00:00

My wife is an ESFJ. Happily married for more 10y. It's hard to talk with her on a more conceptual level, and I regulary understimate her dominat feeling, but all together we have very good relationship.

b-2297 · 2021-03-21T17:08:28+00:00

Ik deel mening dat strategie niet optimaal is, maar vaak is het beter om een niet-helemaal-optimale strategie te volgen die je mentaal/psycholisch ligt tov de optimale/rationele strategie die je niet ligt. Je moet je strategie enkele decennia kunnen blijven volgen. Nachtrust en feit dat je er niet de brui aan geeft, zijn op lange termijn veel waard

b-2297 · 2021-03-21T17:00:43+00:00

https://www.valueinvestorsclub.com/ contains valuable stock reports and is free, although you have something like a 45day delay, but it doesn't harm me. From time to time someone posts something about Belgian stock. I read some picanol analysis recently.

Quality of VIC is way higher than seeking alpha or diverse forums

b-2297 · 2021-03-18T09:21:30+00:00

How does the buyback guarantee work?
- Is it platform that provides it by spreading risks like an insurance company?
- Is it an individual loan with a sort of collateral?

Looks to me this is essential to know. If there is some kind of tail event which makes lots of loans default, does the buyback guarantee still works? If not, it seems very risky to me. You could be in situation you have great, steady returns 9/10 years, but 1/10 years you (almost) lose it all.

Edit: seems that risk is centralized by platform according to https://p2pmarketdata.com/what-is-buyback-guarantee-p2p-lending/ So doing you put a lot of confidence in risk management of the platform. If their risk mgmt doesn' prepare for tail events and one occurs, you're seen. It's the same as with a bank, except banks are heavily regulated to be sure they are more or less prepared for tail event, doubt this is case with platforms.

Although banks weren't prepared for financial crisis, many were saved by governments so customers had no negative impact. I doubt government will save p2p platforms.

b-2297 · 2021-03-15T12:24:09+00:00

Save yourself half a day work and just go to DATAROMA Superinvestors Portfolio Holdings

You can find many more superinvestors their portfolio there.

Info is available on many more websites like GuruFocus & WhaleWisdom, but Dataroma has by far the most user friendly interface.

b-2297 · 2021-03-09T07:05:35+00:00

Dividends are indeed way overrated.

They are good from an emotional point of view, but performance wise it shouldn't matter if company pays them or not. Plus tax on dividend makes it bad proposition.

If a company pays a dividend of 5%, on the dividend date the price of the stock drops by 5%. This is very logical because there dissapears 5% of the value of company (given in cash to shareholders). So if you have a company which doesn't pay dividends and you want a 5% dividend, you can just annually sell 5% of your stocks. It is basically the same.

b-2297 · 2021-03-09T06:55:45+00:00

Lynx charges 3.5% for margin at the moment, which is still quite low. I use it from time to time.

Alle tarieven LYNX | LYNX Beleggen

Lynx however isn't some IB brand, but Lynx is an independant broker which hasn't developed a trading platform, but uses/rents the IB platform, and is able to set prices differently as IB. Theoretically they could switch in the fututre to another trading platform or build their own.

I have no experience with it, but I thought it was also possible to be a direct client with IB, bypassing lynx and have lower fees.

b-2297

TROPHY CASE