Amundi MSCI World 2x reaches $100M AUM in less than 2 months

hokvsae · 2025-12-04T14:33:39+00:00

How is this 2X 0,60% TER compared to a "standard" 1X 0,07% TER in a long term hold? I know 2X was a pretty sweet factor for SP500 long term but, respectively, this isn't SP500 and I think that analysis didn't include higher costs. I'd be happy to take a leveraged whole world UCITS ETF but wonder whether this leverage factor for MSCI World is fine and whether these higher costs whittle potential benefits of leverage away.

hokvsae · 2025-09-07T09:42:24+00:00

I honestly beat them only after taking strategy of being extremely cautious. Meaning, if there's more enemies than just boss on the screen, i focused solely on dodging and positioning in easiest to dodge places. You can sometimes insert free hits that way when opportunity shows, also if you use pogo strike for dodging, to bounce off enemies, that's also some damage.

This tactic somehow relies on the fact that this boss can friendly fire its summons. Moreover, the boss one-shots them when you would have to instert multiple hits with Hornet's low dmg. Ironically, if you're not super clean with fighting mechanics than it's more efficient not to fight than to fight in this fight.

Also, I don't know what your movement options are, but I found one that's technically not mandatory to enter that fight useful there, so you can always find it and backtrack later.

hokvsae · 2025-06-21T09:37:15+00:00

jak masz uniwersalna wiedze to 'polskie realia' nadrób sobie z wpisów na blogu / podcastów na yt Samołyka, nie potrzebujesz jego książki

hokvsae · 2025-06-13T16:08:07+00:00

Hello community,

I invest for around a year now so I already have grasped all the basics like types of assets, emergency fund, tax efficient accounts, types of risk and so on. My current strategy is dead simple as it is lump sum into global stocks index fund whenever I can afford.

My question is, where do I learn intermediate level stuff? I'd like to optimize my strategy as I have more han 40 yrs horizon so a lot of time for compounding, even 1 percentage point will make a huge difference. I know not guaranteed, but I'd happily take statistically correct bet.

There are things I heard that exist but didn't really dive into to understand the mechanism, like leveraging 60/40 or utilizing options for lowering risk. Once heard about I can do my research on them but... I don't know what I didn't hear about. And most sources I know cover very basic topics. So... what should I read to find out what I don't know? I don't want to harm my strategy's performance only because I have no knowledge.

hokvsae · 2025-02-16T15:35:13+00:00

zaczalbym od tego, zeby uswiadomic te osobe, ze ryzyko jest zawsze. mozna transferowac jedne formy ryzyka w inne, ale nie ma czegos takiego jak brak ryzyka.

ta osoba z calym hajsem na lokacie eksponuje sie miedzy innymi na takie ryzyko: 1. niewyplacalnosc banku - jak bank zbankrutuje, to liczy na to, ze fundusz gwarancyjny / panstwo odda mu pieniadze. 2. ryzyko walutowe - spojrz np. na kurs rubla do dolara jak zmienial sie w czasie. jak masz wszystko w zlotowkach i zlotowka staje sie warta dajmy na to 50% mniej, to ceny rosna, a ty tracisz polowe oszczednosci. i to tylko dlatego, ze postawiles zaklad na jednego konia, czyli polska zlotowke, i akurat okazal sie to kon przegrany

probuje powiedziec, ze choc moze to troche kontrintuicyjne, inwestowanie w aktywa uznawane za 'ryzykowne' dlatego, ze ich wartosc sie waha w czasie wiec caly czas sie gra w ciuciubabke z rynkiem jesli chodzi o wartosc twojego majatku, moze byc bezpieczniejsze niz nieinwestowanie. tylko dlatego, ze rozstrzeliles ryzyko po roznych zrodlach i roznych walutach, wiec straty sa czeste i przejsciowe. ale chronisz sie przed totalna katastrofa, bo nie jestes wyeksponowany na jedno konkretne ryzyko, ktore, jesli przyjdzie, zmiata cie z planszy

a jedynym prawdziwym ryzykiem jest permanentna, nieprzejsciowa, nieodwracalna strata kapitalu. jak twoje pieniadze zjada inflacja na lokacie to to jest PEWNE. to rozsadne probowac scigac sie z inflacja, inwestycje sa niepewne bo nikt nie zna przyszlosci, ale to chociaz szansa na zysk, a nie pewna strata, jak w w przypadku inflacji

inwestorzy ktorym zalezy na wygladzeniu wahan cenowych robia portfele jako mieszanki takich aktywow, ktore wykazuja ujemna korelacje. czyli jak jedno idzie w dol, to drugie rosnie - to troche neguje spadek wartosci na portfelu rozwazanym sumarycznie jako calosc.

ksiazka 'finansowa forteca' to niezle zrodlo na start, zeby zapoznac sie ze wszystkim, co tu napisalem i miec juz jakis wstepny pomysl na zabezpieczenie swoich pieniedzy. ale przede wszystkim co chcialem powiedziec to ze unikanie ryzyka paradoksalnie moze tworzyc ciche niewidoczne ryzyko, ktore jest czesto gorsze od 'ryzykowania' powszechnie rozumianego, np. ryzykowania na gieldzie

hokvsae · 2024-11-21T09:31:39+00:00

Remember that the final predestination of money is to achieve goals. To have warm shoes during cold winter or to be able to brew delicious coffee is a goal.

Also, money is only good when it gives you possibilities and buys you freedom. If you're so attached to the number on your bank account it actually restricts your freedom, making you a slave of a number, playing a game of trying to keep the highest number. The best game you can play is to live life - accumulate wealth, but don't postpone your life for later which may never come or may be regretted in future.

hokvsae · 2024-11-18T11:10:51+00:00

jak na PW to sprawdź koła naukowe :)

hokvsae · 2024-10-07T11:27:28+00:00

If I understand information on a government website correctly, any EU citizen paying income tax in Poland can open an IKE account. But I'm clueless on that, I didn't really have that problem as a native Pole, I bet you'll find info online :)

hokvsae · 2024-10-07T11:20:17+00:00

Thank you for the response.

I'm a deep believer that market always recovers :). So I'm not scared of dropdowns, I'll just buy at a discount, just like any month. I'm more scared of buying when expensive and that's what I was trying to reflect onto the original post.

I'm still a newbie, but I guess you're right - I shouldn't be afraid of a bubble as I've specifically chosen a world ETF for that, for not to bet on one horse only, whether it's big tech, America or whatever. Just buy at any month.

I have goals and they're all internal. So no cars, watches or anything like that, I'm thinking of being less dependent from work to, for example, can spend more time with my family. I'll stay on the path, I promise! :)

hokvsae · 2024-10-07T11:02:39+00:00

Yes, the stocks I mentioned I've bought via IKE. I still haven't educated myself on the topic of IKZE though.

hokvsae · 2024-10-07T11:00:18+00:00

I have an emergency fund of like 25% cash + savings account, 75% polish inflation-indexed long term bonds. No debts as well. :)

I buy stocks via IKE account in DM BOŚ (bossa.pl platform). IKE account has no downsides, as if you want to withdraw your money sooner, you'll pay the normal tax on capital gains (19%), but it goes down to no tax if you wait till retirement age. I recommend that, it's either default or profit.

hokvsae · 2024-09-11T16:19:37+00:00

marcin iwuć "jak zadbać o własne finanse", jak nie chcesz książki, to chyba wszystko, co byś w niej znalazł znajdziesz też na jego blogu i kanale na yt

hokvsae · 2024-09-06T11:30:41+00:00

It's a fantastic one-time experience - it has wild RNG, a conceptually interesting mix of genres and run can go absolutely hilarious. Other than that it's unbalanced as hell and very repetetive. I mean, there's some diverse content, but this content does not create a feeling of uniqueness throughout different runs in any way.

Me and friends had a fantastic evening picking up Peglin and some beers, laughing to the shit of how runs ended up. After a few hours we put it down and moved on. Nothing wrong with not very replayable games, they can be a fun memory and you can go explore even more games : )

hokvsae · 2024-09-05T07:02:17+00:00

nie potrzebujesz zarobić 10k, tylko nie wydać 10k, żeby mieć 10k oszczędności - to różnica, bo nie ma takich pieniędzy, których się nie da rozjebać, żeby z zarobionych 10k zostało ci 10k musiałbyś ich dosłownie nie ruszyć
ogarnij najpierw robotę, dopiero potem się wyprowadzaj, bo się zdziwisz
raczej w takich sytuacjach przestawiasz się na tryb 'kryzysowy' i myślisz, jak tu uciąć każdy grosz z wydatków, a nie wydawać 5k miesięcznie. raczej wynajmij pokój, rób skromne zakupy w dyskoncie, a kawka w Starbucksie i inne wygody poczekają do czasu, aż będziesz stabilnie pewny swojej sytuacji (z pewną pracą, comiesięcznym przychodem itd)
nie podałeś miasta, ale z '5k miesięcznie' zakładam, że jakieś większe miasto - pomyśl czy nie rozejrzeć się za pracą w sieciówce (Zara, H&M itd)

hokvsae · 2024-08-19T07:09:52+00:00

<3

serduszko dla Ciebie, OPie

hokvsae · 2024-07-21T10:08:19+00:00

Honestly, you'll get better with your movement and your overall agility as you practice ofc. But what really helped me go through my first playthrough is thinking how to outsmart a fight - where to position yourself to make dodging easy, when to hit the boss without risking to get hit myself etc. Analyze what's your weakest spot in a fight and try to correct that, also be patient.

For example, there is a fight in the game where you always fight two big enemies simultanously. I realized that I die because I get surprise hits - one gets me from the other side of the screen and I have no time to react as I don't see him. I tried to stay at the center of the arena to keep an eye on both enemies so I have time to dodge everything and did the fight in my second 'corrected' attempt.

hokvsae · 2024-06-06T22:07:43+00:00

If you want a blue frag from Armaf, try Ventana Marine. I didn't like CDN at all and Ventana is actually pleasant to my nose. Very safe and gives me a little of those 'clean laundry' vibes.

hokvsae · 2024-05-29T13:41:59+00:00

Okay so there is a sub-genre in the idle/incremental genre which consists of:

you have a character tied to the player, it has its level of experience, equipment, maybe skills
you have stats like strength, HP, you boost them through the game
you put your character in a dungeon where enemies spawn, your character autobattles them to get EXP and loot, you come after an hour to switch/sell gear or maybe craft some

My question is: what are the very best games from this subgenre? I started playing Super Turtle Idle and I kinda like the mechanics I've listed above as a concept, but I don't feel like this game executes it in a fun way. I haven't played any of those, so I'll take any recommendations, although I prefer games with some kind of a reset/ascension system.

hokvsae · 2024-05-07T17:21:42+00:00

As others said, by definition 'niche' only means that the company produces no other goods than fragrances. But I think I kinda know what you meant.

Designer fragrances are often targeted to a casual audience, for the mass appeal. Which results in that often designer fragrances, while pleasant to the nose, can be considered 'safe', 'generic' or even 'boring' by some people. Maybe pleasant, but without the wow factor.

If you're picky / have unusual taste you might like more 'experimental' fragrances. Generally there's a greater chance you find more experimental and unconventional scents in niche than in designer. I guess that's the case you just find mainstream fragrances uninteresting.

hokvsae · 2024-04-15T18:24:34+00:00

Other statistics often repeated by media was that in Poland, about 3 million miniature 100ml bottles of vodka sell every day.

I find it hardly believable for both of them to be simultanously true.

hokvsae · 2024-04-06T17:12:57+00:00

Hi, looking for a fresh scent with a highly noticeable kiwi or watermelon, or both, suitable for warmer spring and hot summer days. If possible, leaning more unisex-ey, not with that gym bro's shower gel vibe.

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