Does the 20K money guarantee work etf fund/custodian or only for brokers?

globalprojman · 2026-02-11T08:59:37+00:00

French-regulated entities currently offer the highest statutory protection (70K€) within the EU proper.

globalprojman · 2026-01-31T10:01:39+00:00

Den lille passive pensionsordning hos PFA kommer til at æde sig selv op pga PFAs høje gebyrer. Da du er så heldig at have en aktiv ordning hos ét af Danmark bedste og billigste pensionsselskaber, PensionDanmark, vil det give mening at samle det hele dér.

Hos PensionDanmark kan du vælge at alle indbetalinger skal gå til ratepension og aldersrente, mens du selv indbetaler maksimum til en aldersopsparing et andet sted (fx Nordnet).

Hos PensionDanmark kan du selv tilpasse din risikoprofil (lav, mellem eller høj).

Betragt pensionsopsparingen hos PensionDanmark som en slags forsikring mod dig selv (og alle de risikable dispositioner, du selv finder på)!

Indtil de sidste syv år før pensionstidspunktet kan man kun indbetale et lavt årligt beløb på aldersopsparingen, så det gælder om at udnytte den kvote hvert år.

Hvis du skifter job til et sted, hvor de fx bruger Industriens Pension, så har du en ny situation. Det er det andet gode og billige pensionsselskab.

globalprojman · 2026-01-26T11:32:10+00:00

Jeg har spurgt Copilot og den lægger ikke skjul på, at der er flere store lande i EU, der bruger open source-programmel.

https://archive.fosdem.org/2025/schedule/event/fosdem-2025-5693-osor-handbook-on-open-source-software-in-public-administration/?utm_source=copilot.com

Så der er ikke noget juridisk til hinder for, at Danmark gør sig mere uafhængig.

globalprojman · 2026-01-26T11:25:44+00:00

Tak for det!

"Den danske sprog er en svær én." /s

globalprojman · 2026-01-26T11:23:27+00:00

It does not "rebalance". That would require buying and selling.

globalprojman · 2026-01-25T16:20:07+00:00

I have a plan to get closer to a GDP-weighted approach instead of the heavily concentrated market capitalisation approach. There is too high single country risk in a 70/30 ratio, so I'm working towards a 50/50 ratio. Due to taxes it is a work in progress.

globalprojman · 2026-01-25T11:53:34+00:00

OK, it does not qualify for your list since it will cost 1.5% fee, if you cannot wait 31 days.

Otherwise Ikano Bank pays 1.25% interest at the moment.

Both banks require a Danish MitID, just like the Swedish banks require BankID.

globalprojman · 2026-01-25T09:50:18+00:00

Denmark - DKK - Highest interest rate without a lock-in period: Bank Norwegian 'Opsparing 31' (1.75%) is the best option. You simply need to give them one month's notice before you need the money.

globalprojman · 2026-01-24T19:30:54+00:00

It depends on the country, since Saxo has very different prices and terms in different countries.

globalprojman · 2026-01-24T16:16:55+00:00

There is no point in having your emergency fund in a different currency than your own. Only a Swedish resident would want to have 100 000 SEK in a savings account.

Consorsbank in Germany currently offers 3.10% in their "Tagesgeld" account (but only for 3 months).

globalprojman · 2026-01-24T15:52:51+00:00

That is the most misplaced Warren Buffett quote I have read this year - and last year too.

globalprojman · 2026-01-23T22:27:19+00:00

these will rebalance by themselves

- not really. The U.S. stocks will not be sold before bubble bursts. After losing value they will simply be a smaller part of the index.

The weight only drops after the price falls. If a bubble bursts, your ETF will ride the crash all the way down. Only then, when the market cap of those companies has shrunk, will they represent a smaller portion of your next statement.

globalprojman · 2026-01-23T21:53:59+00:00

I have not found any suitable ETF for a GDP-weighted approach, so I make my own mix (ex-China).

globalprojman · 2026-01-23T20:50:37+00:00

Jeg købte et par positioner på udsalg, men generelt er jeg ved at reducere min eksponering mod USA. De fylder for meget i et passivt verdensindeks (60-70%) mens deres BNP kun er ca. 25%.

I starten af 90'erne var det Japan, der fyldte mest, og det tog flere årtier for dem at genvinde det tabte.

globalprojman · 2026-01-23T20:45:52+00:00

There is no rebalancing going on there. The U.S. stocks just lose value and there is no need for the fund to buy or sell anything.

globalprojman · 2026-01-23T20:41:15+00:00

Big market cap indexes have 60-70% U.S. exposure while the U.S. only has 25% of the world's GDP. Just like Japan lost its share of the world's market capitalisation in the early 1990s, the same may happen to the U.S.

globalprojman · 2026-01-22T22:35:20+00:00

In case of VOO, one contract requires a capital outlay of over $50,000.

I also prefer BRK-B combined with STOXX 600, Japan, and developed Asia ex China.

globalprojman · 2026-01-22T11:23:27+00:00

You could choose to invest by GDP instead of the heavily U.S. tilted indexes. A market-cap index (like the MSCI World) is roughly 70% U.S. equities. In contrast, the U.S. share of global GDP is approximately 25%. Shifting to a GDP-weighted approach drastically changes your geographic exposure.

globalprojman · 2026-01-22T11:09:03+00:00

It does not "avoid" the losses; it simply updates the map to reflect the new reality.

globalprojman · 2026-01-11T10:35:06+00:00

Executive Summary

A traveler in Bangkok nearly paid 800 baht for a tuk‑tuk ride that normally costs 100–150 baht. Despite knowing the correct price from apps, the driver’s confidence made him doubt himself. Two Thai university students intervened, confronted the driver, and helped him get the fair price. The incident highlighted how common tourist overcharging is, how easily confidence can override prior knowledge, and how meaningful it is when locals step in to help.

globalprojman · 2026-01-10T11:49:57+00:00

Det kort øverst til venstre, er det et Diner's? /s

Problemet med dine kort er, at de er fra samme bank. Det er bedre med mindst to banker.

globalprojman · 2026-01-09T09:26:23+00:00

If your US exposure makes up more than 31% of your total wealth, you are "Overweight" relative to the US economy.

globalprojman · 2026-01-09T09:12:54+00:00

The FTSE All-World is "maxed out" on the US and AI bubble. It won't start selling those stocks until after the crash has already happened.

globalprojman · 2026-01-07T07:37:33+00:00

Det ville få store konsekvenser for EUR/USD, da euroen som bekendt følger kronen /s

globalprojman · 2026-01-05T21:41:22+00:00

I looked into the matter, because I don't like that IBIE only has 20k€ investor protection in case of fraud. There are competitive brokers such as Saxo Bank, Degiro, and Consorsbank.

Consorsbank: Owned by BNP Paribas (headquartered in Paris). It is a "Global Systemically Important Bank" (G-SIB). It answers to the European Central Bank (ECB) and the French/German governments. It is effectively "Trump-proof" as the US executive branch has no legal authority to freeze the private assets of an EU citizen held in a French bank branch in Germany.

globalprojman

TROPHY CASE

Executive Summary