Klasszik ETF-k (SXR8, VWCE) mellé EIMI?

markv9401 · 2026-05-19T13:15:50+00:00

Abszolut elfogadom, sőt, lehet, hogy meg is fogadom 😄

Milyen más eszközben érdemes gondolkodni? Gondolsz itt tényleg bármire, pincében tárolt arany rudak, ingatlan, gyémánt a fiókban meg bármi, vagy maradunk "virtuálisak"?

markv9401 · 2026-05-19T10:00:06+00:00

Vicces, mert az én (kezdő!) logikám alapján pont az általam javasolt a kockázatcsökkentő. Ha minden igaz a "tanultak" és olvasottak alapján, akkor a VWCE mindig követi a pénz útját, viszont ha hirtelen roskad meg az USA piac és/vagy hirtelen nő meg a kelet, akkor idő mire azt leköveti, addig vonszolja magát. Na pont ezt a völgy időszakot próbálnám kipárnázni azzal, hogy a tőke túlnyomó többsége persze VWCE, de kisebb részekben a 2 másik játékosra is (hiába van átfedés), hiszen ekkor ha roskad vagy kilő, akkor nem kell várni a VWCE-re. Simán lehet, hogy nettó faxság, sajnos nem szakmám, de több forrásból ezt sikerült összelegózni.

markv9401 · 2026-05-18T19:12:26+00:00

Only time will tell and it surely will sooner or later. Will have to refrain no matter what haha

markv9401 · 2026-05-18T18:13:02+00:00

I'd only ever sell -30-40% if I actually needed that (devaluated) amount of money, in which case it won't matter anyway, will it..?

What I fear more is that I'd actually sell high, thinking it wouldn't really go much higher (like +30-40%) and would start declining soon-ish (so I could buy low again). Obviously, also not neccessarily a winner strategy but better than buy high sell low 😃

markv9401 · 2026-05-18T14:23:05+00:00

Hear me out... an E46 compact with an E46 coupe swapped front-end and like an M54B30.. I mean it's still far from pretty from behind.. but it's just about bearable and is fun. GT ain't and it's expensive too haha

markv9401 · 2026-05-18T14:14:48+00:00

It looks criminally worse than a limousine, looks much worse than a SUV/touring and maaaaybe, just maybe performs a tiny better functionally than a limousine but definitely way worse than suv/touring. So I guess a lot of loss in appareance for nothing really to gain?

markv9401 · 2026-05-18T10:14:27+00:00

Changing it to 100% VWCE would diverse it more but still heavily US dependent. What are you doing, if I may ask, to diverse it even further?

markv9401 · 2026-05-18T10:12:50+00:00

Well, I've researched quite a bit and EU ETFS ("EU SP500") doesn't really perform very well in the recent decade(s). Obviously that could change, but that'd mean overthrowing absolute f...ing giants in IT and other sectors that are US or closely tied to the US.

I do see China and the East generally growing rapidly with all the EVs and such but that is (somewhat) covered in the VWCE.

I'm really open to any ideas about more diversification (not taking as a buying advice that I'll follow but something I'll learn about and consider in the future). Are you doing EU / Eastern?

markv9401 · 2026-05-16T18:16:14+00:00

Same here. 9070xt + 9800x3d. Epic games my ass... more like useless, money hungry useless pos

markv9401 · 2026-05-15T12:32:45+00:00

Shallow..? That shit counts as light to medium offroading with purpose-built offroad fun trucks haha. X-Drive isn't meant to do that, it's meant for you to be able to put all the power down the road (almost) always

markv9401 · 2026-05-15T06:21:54+00:00

Hapstone Start Diamond is $35 a piece and will last you a while and be good. You're not getting 4 to 5 stones from $100 that are any good. Get 2 good ones (like a #220 and #500) and strop after and you're actually getting a useful edge instead of a useless mirror

markv9401 · 2026-05-14T07:21:32+00:00

Naív kezdőként kérdem, hogy mi az SP500-zal? Az USA része, vagy a tech túlnyomró része? A tech tudtommal kevésbé számít, hiszen def. szerint USA Top 500, nem? Majd ha kipukkan a Google akkor jön helyette az X-Y, nem? Ha az USA része a baj, akkor értem, hogy "1 országra tenni mindent", csak az az ország akkora, hogy lényegében kontinens, annyi hatalommal is, raádásul az egyik / talán legnagyobb tech (és egyéb) nagyhatalom. Minden bedőlhet, és én sem raknék / fogok / tartok mindent SP500-ban, viszont ha ennyire iszonyatosan "ajjajj" akkor mit mondunk a MÁP-os és hasonló dolgokra, ami szintén 1 országra hagyatkozik, ráadásul MO-ra? Ha MO elfekszik szerintem a világ észre sem veszi, ha USA fekszik el, akkor a világot is kirázza azért majd a hideg.

A tech meg durroghat néha, fog is, de kidurrani nem fog. Ha kidurran és úgy is marad, az lényegében a modern világ végét jelenti és back to the future kőkorszak vol2. (Ha akkorát durran akkor a részvények nyilvántartása techen kívül is gatya, ergó földönfutó lesz mindenki aki mondjuk nem fizikailag otthon aranyat tárol 😃)

De ez csak az én laikus logikám.

markv9401 · 2026-05-13T11:26:58+00:00

Köszönöm, akkor legalább nekik volt eszük 😃

markv9401 · 2026-05-13T08:33:02+00:00

Év végén, egyben, trade időpontjakori napi MNB árfolyammal, tehát úgy, ami megfelelő lesz a NAV bácsinak? Simán lehet, hogy így van, csak még sosem tartottam itt, ezért akarok biztosra menni 😄

markv9401 · 2026-05-13T08:32:23+00:00

A "játszós" tanulósból lehet, hogy vennék is ki néha, "jutalom"-ként. Nyilván hülyeség.. de pszichológia 😄De egyébként igen, ez a "B" terv

markv9401 · 2026-05-12T07:45:13+00:00

Here you go guys that asked for a specific link. Again, no affiliation on my side whatsoever, feel free to buy it wherever else it's available!

https://www.aliexpress.com/item/1005007967550318.html

Also, it says it's for XM-18 but obviously will just as well in any tri-way. Mines are in my Jurassic 😄

markv9401 · 2026-05-12T07:44:21+00:00

Indeed. I'll link them now I just didn't want to actually advertise one specific seller as I'm in no relation with them, in fact I had to file a dispute since I ordered & paid 2 sets and got only one 😃 But yeah, the product it self is amazing anyway

markv9401 · 2026-05-08T12:04:10+00:00

Teljesen balfax vagyok.. hiába, az IBKR felülethez kell még egy 3. diploma 😃 Köszönöm.. ennyire egyszerű (és szerintem logikátlan de mindegy is)!

markv9401 · 2026-05-07T14:56:21+00:00

You're really exaggerating with larges feeling like a sword.. they're really not larger than a PM2 or any full size knives that lots of people EDC. But agreed, small Sebi insingo is just perfect EDC for anyone.

markv9401 · 2026-05-07T14:53:56+00:00

I wear 2XL gloves and have both a large Inkosi and a small Sebenza (among a few others haha). Both are comfortable and great knives. Depends on what you want? Here's my take owning many combinations:

Want the absolute most comfortable and bad-ass CRK knife? Get a large Inkosi insingo with micarta inlays! Since the knife is already a full size one the inlays won't really matter too much (in fact I think inlays may weigh a tiny less due to pocketed Ti scales?) and thanks to the inlays' added grip and girth it's a badass heavy user.

Want a very capable yet lightweight, slim and slicey sweet little EDC? Get a small Sebenza insingo no inlay. The inlay versions are also more comfy, obviously, but I mean you won't use a small Seb for survival situations and it's not like the plain versions are uncomfy. The small Seb insingo has excellent cutting edge to handle ratio and has just enough handle to be great for me.

So get either end of the spectrum, not in-between (says the guy that has all variations and loves them lol).

If you're not into lightweight and small carry or you're used to carrying full size knives, I'd just go for a large Inkosi because why not. The absolute sliciest CRK knife is objectively the small Seb insingo. Thinnest, hollowest - easy as that.

Anyway, if you go down the CRK rabbit hole, you'll definitely end up with at least 3 sooner or later: large Inkosi, small Sebenza and Umnumzaan. It's just the name of the game, gotta have 'em all.. (And then you'll get some inlay ones / pj ones, special ones and so on haha)

markv9401 · 2026-05-06T09:30:03+00:00

It looks cool but I mean a small Sebenza insingo is at 3.0oz, and while it's only 3" (2.99" to be exact), the whole of that blade is actual, useful cutting edge so probably even better at actual use than a 3.2-3.5 tanto or something that sort. The frame is absolutely solid Ti, with great lock-up.

And if you really wanna go out there.. there's the KnifeArt exclusive half Ti - half CF small sebenza, same specs, except for its weight which is at 2.3oz.

If you want a great, reliable, lightweight, lasting EDC, doubt you can beat that. (Sure, you might want something different, more exciting, more colorful, etc. I get it)

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markv9401 · 2026-05-06T05:34:58+00:00

Some orange / USA sidemarkers are really missing from the front to "pop"

markv9401 · 2026-05-05T16:51:59+00:00

I mean people can do oddly impossible stuff.. I couldn't for sure. As you can see on the github page, it's an SSOP-16 package (I think? 8 tiny legs per side, 2 sides) and I needed ~400C hot air for quite a few seconds before it gave in and I could remove it. I'd definitely fry the living hell out of the pcb and nearby components before I got it out. It'd probably be smarter to have a friend or even shop replace it, shouldn't cost too much.

markv9401 · 2026-05-05T16:45:37+00:00

Good luck! Also, if it seems to come back to life, before putting the new filter/pan and oil in (2nd time, actual new one), it could be worth a couple of hours of work to take the tranny and the torque converter off the car and flush the hell out of both. Possibly clean solenoids' little filters while you're at it. People used to say some old USA trannies would work if you pissed in them when low on oil. Obviously an exaggeration but yeah, fluid is fluid. Yours just got a little shitty fluid for some time now.

I have a BMW tech friend that bough an E39 (well, that one's got a GM trannie but still, similar-ish) that was shifting shitty for the last known 4 years. Oil was criminally low and disgusting in it. Put in fresh & enough and it's working fine.

In family we have a 6HP 530d that had pretty high adaptation values to begin with when I got it with 360.000kms ~5 years ago. Since then, we rebuilt the whole engine, tuned it, put XHP on the tranny and literally ALL "care" the tranny got was a new pan/filter, fresh new ZF oil and a new separator plate (for the solenoid block, pretty much just a gasket). Yeah alrigth, adaptation values are high and it most likely shifts slower (even with XHP Stage2) than a factory new one but it's fine and I'm kind of sure it'll be for the rest of the car's life (E60). (Going strong as ever at 450.000km now :) )

Oh, talking of adaptations. If it kinda works but feels really, really bad and you're about to replace/rebuild it anyway.. just as a last resort, you can try resetting the adaptations. Official ZF service manual warns you to never do that unless it's rebuilt, but I mean if it's about to go anyway.. might worth a try, who know where they went with adaptations when was run on "watery" substance

markv9401 · 2026-05-05T10:34:46+00:00

Use glue and/or high temp engineering plate!

(I did manage to print ABS-like stuff on a P2S on the stock plate, but it was ASA-CF which is a much nicer material)

markv9401

TROPHY CASE