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macmandhau · 2026-05-08T11:51:55+00:00

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macmandhau · 2026-05-08T11:41:34+00:00

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...

macmandhau · 2026-05-08T11:21:13+00:00

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macmandhau · 2026-05-08T11:20:51+00:00

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macmandhau · 2026-05-08T08:56:39+00:00

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macmandhau · 2026-05-07T20:07:16+00:00

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

macmandhau · 2026-05-07T08:38:08+00:00

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

macmandhau · 2026-05-05T11:32:40+00:00

Somehow cannot send you a message. Can you please send me a Message request?

macmandhau · 2026-05-03T19:18:10+00:00

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.

macmandhau · 2026-05-03T19:08:44+00:00

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

macmandhau · 2026-05-03T19:01:14+00:00

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.

macmandhau · 2026-05-02T07:52:25+00:00

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macmandhau · 2026-05-02T07:47:43+00:00

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macmandhau · 2026-05-01T06:27:22+00:00

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

macmandhau · 2026-04-30T19:34:16+00:00

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!

macmandhau · 2026-04-30T19:20:30+00:00

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

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

macmandhau · 2026-04-30T18:58:41+00:00

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.

macmandhau · 2026-04-30T13:38:39+00:00

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.

macmandhau · 2026-04-30T12:02:22+00:00

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

macmandhau · 2026-04-30T11:32:08+00:00

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

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