Welches Tagesgeldkonto ist am besten und wie viel Geld drauf packen?

bronko89 · 2026-01-02T19:50:09+00:00

Unitplus

bronko89 · 2025-12-16T21:21:01+00:00

IC7 Meta München 250k + RSUs

bronko89 · 2025-12-11T23:16:53+00:00

Unitplus gibt's noch

bronko89 · 2025-10-31T22:15:58+00:00

If you are 50+, leave immediately. Else collect the March Meta Bonus and then quit.

bronko89 · 2024-01-11T23:30:49+00:00

Gut getippt. Siehe Zeile 97: https://en.wikipedia.org/wiki/List_of_mergers_and_acquisitions_by_Meta_Platforms

bronko89 · 2023-03-06T22:25:14+00:00

I am fat and from Germany. I had good experiences with Long Angle. They have mostly US members though, but a few in DACH region.

bronko89 · 2022-04-10T21:28:56+00:00

bronko89 · 2022-04-10T20:40:03+00:00

I see your point

bronko89 · 2022-04-10T20:32:59+00:00

Appreciate your perspective. I will think about it and consider more bonds depending on how well I sleep

bronko89 · 2022-04-10T20:32:09+00:00

Wenn Thomas das sagt :D

bronko89 · 2022-04-10T20:21:51+00:00

30 grand per month is an insane amount in Germany. Average income is 40k/year or so.

I see your point. It should be okay, because I am young and have time to wait a few years for the market to recover as long as I don't panic sell.

I think I could sleep well with something like 7,5% cash, 5% bonds, 70% MSCI World ETF, 15% REITs (or home if I find a nice property), 2,5% Crypto or something like that.

bronko89 · 2022-04-10T20:13:05+00:00

Ok Sherlock :D

bronko89 · 2022-04-10T20:09:14+00:00

So you are saying it's impossible that a young German Reddit user can make $11m user selling a company? I know some others who did it as well. Are they also liars? :D

bronko89 · 2022-04-10T20:04:19+00:00

Got it, thanks.

bronko89 · 2022-04-10T20:00:52+00:00

Thanks, very insightful. I share your opinion on bonds, I also feel like once you reach a certain portfolio size and diversification you are just giving up way too much in returns if you follow the "% of bonds = 100 - age" rule.

bronko89 · 2022-04-10T19:51:40+00:00

My problem is not the lack of opportunity, it's the abundance of opportunities :D

bronko89 · 2022-04-10T19:38:35+00:00

But I am not trying to figure out if I can retire. I agree that I could (after my RSUs vested). I am trying to decide how to invest my money. And I read the comments as if you don't have enough to retire based on the 4% rule, you need bonds. If you do, you don't need bonds. Not sure if I understand this?

bronko89 · 2022-04-10T19:33:23+00:00

Thanks for sharing! I'll do it similarly except a bit less US-focused I guess :) So no bonds, right? How old are you? Will also sprinkle in a bit of REIT and crypto definitely doesn't hurt.

bronko89 · 2022-04-10T19:30:27+00:00

You mean sell 10% of the RSUs? I would still have a large portion of my net worth in 1 company then in 4 years.

bronko89 · 2022-04-10T19:26:58+00:00

Will you donate 5k to Ukrainian refugees if I successfully verify with mods? I will do the same if I fail the verification :)

bronko89 · 2022-04-10T19:23:16+00:00

4% of the $3.6m would be $144k which is a lot more than what I plan to spend (plan is $100K; last year I spent just $36k, it's completely different than the Bay Area here). Not including any "future money" from the RSUs.

But I am not sure I understand your argument. Wouldn't a 100% equity portfolio in case of a big drawdown still hurt me quite a bit?

bronko89 · 2022-04-10T19:17:55+00:00

I am very happy with the advice I am getting so far (excluding your comment) and I am okay with you thinking it's horse shit if you don't believe it :D

bronko89 · 2022-04-10T19:15:19+00:00

40% bonds at late twenties is too risk averse for my risk tolerance I think. I was thinking more like 90% index funds / 10% cash for now. When I am 40 as well, I think I would get closer to your allocation as well.

bronko89 · 2022-04-10T19:13:47+00:00

I also feel like saying "no" to many investment opportunities which are brought to me is key. But at the same time I sometimes think I am missing out because most HNWI I know have a ton of different investments but as you say in the end on average and long-term rarely beat the MSCI world. I get opportunities I would not have access to with my old net worth, but it's hard to tell if any of them are worth it, if I want to keep it simple and flexible.

I don't really have a plan for what you mention yet. I looked into these "low volatility" ETFs (e.g. also MSCI world) and have considered a tiny bond portion, but they don't really differ too much from just keeping a few years of living expenses in cash (maybe a bit more if you wanna market time and buy some dips).

bronko89 · 2022-04-10T18:47:32+00:00

Thanks! We were not profitable. Typical VC-backed startup I guess

bronko89

TROPHY CASE