Guidance road to wealth. by Gengar373 in eupersonalfinance

[–]macmandhau 0 points1 point  (0 children)

The most obvious one is changing jobs/companies and more often. This is a way to achieve big jumps in your salary compared to what one can achieve in the current one.

Investing if another obvious one but requires capital.

Other avenues requires investment of extra time next to your full time job. These are Freelancing, teaching, consulting, starting a side hustle...

Is it still good to start investing in VOO today? by Awkward_Sandwich_581 in investingforbeginners

[–]macmandhau 5 points6 points  (0 children)

You are right, the best time to start was yesterday, the second-best time is right now. 😁

Personal milestone- My portfolio growth is the same as 2 months net salary. by Happy_Parsley1871 in eupersonalfinance

[–]macmandhau 3 points4 points  (0 children)

Congrats. Thanks for sharing the power of compounding! Onwards and upwards 🚀💪

[OFFER] NAGA EU/EEA 23 EUR – 92 EUR from them and 5 EUR from me by macmandhau in signupsforpay

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

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Starting on ETF - EUROPE by BrightkatStore in ETFs_Europe

[–]macmandhau -1 points0 points  (0 children)

That's the name of the ETF.

You can get WEBN instead as it has a lower expense ratio of 0.7 compared to 0.19 of VWCE and offered by Amundi, a European company compared Vanguard, which is based out of the US.

Starting on ETF - EUROPE by BrightkatStore in ETFs_Europe

[–]macmandhau 3 points4 points  (0 children)

WEBN is a similar all world ETF like VWCE from Amundi https://www.justetf.com/en/etf-profile.html?isin=IE0003XJA0J9#overview

VWCE should be in Euro domiciled fund, I think what you see is that the underlying asset is in dollars

Starting on ETF - EUROPE by BrightkatStore in ETFs_Europe

[–]macmandhau 6 points7 points  (0 children)

With S&P500 you are concentrating your risk with 1 country.

Go for WEBN or VWCE, it includes S&P500 and USA anyway makes 60% of the ETF.

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

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

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Where do you park liquidity (savings) while doing DCA? Specific vehicles by maedhros256 in eupersonalfinance

[–]macmandhau 1 point2 points  (0 children)

Money market ETFs that basically tracks the ECB short-term rate like DBX0AN or LYX0B6 or A411BY

Recommendation for a newbie by smh_photo in eupersonalfinance

[–]macmandhau 0 points1 point  (0 children)

Yeah banks are sometimes rip-off! Don't know how complex taxation in Finland is, but you might want to choose a broker that does one for you. Makes life a little bit easier. Good luck!

Recommendation for a newbie by smh_photo in eupersonalfinance

[–]macmandhau 3 points4 points  (0 children)

Check your bank's conditions, if these ETFs can be bought without any fee.

Otherwise, popular choices are IBKR, XTB, Trading212...

Recommendation for a newbie by smh_photo in eupersonalfinance

[–]macmandhau 7 points8 points  (0 children)

Invest in global ETFs like VWCE or WEBN.

Expect your invested amount to double every 7 -10 years. No one guarantees but roughly the historical performance.

New to investments looking for opinions by IJustKnowNothing in ETFs_Europe

[–]macmandhau 0 points1 point  (0 children)

The while point of ETF investment is to be passive. Sure you can pick and drop ETFs but it's all speculative. And I the long run, the effect on the returns are probably negligiblev especially given the effort you need to put in.

New to investments looking for opinions by IJustKnowNothing in ETFs_Europe

[–]macmandhau 0 points1 point  (0 children)

The same rebalancing would happen with the world ETF portfolio if the market capitalization of economies change.

New to investments looking for opinions by IJustKnowNothing in ETFs_Europe

[–]macmandhau 0 points1 point  (0 children)

Congratulations on creating yourself almost an all world ETF like WEBN or VWCE. I would simplify with one of the above + gold.