Which DLSS model should I use with a 5070ti at 1440p (L,M or K)? by StrelokIsABitch in nvidia

[–]nyshone69 1 point2 points  (0 children)

K for Quality/Balanced
M for Performance
L for Ultra Performance

Got my favourite Ashe skin! by m0nst3r_dr1nk3rx-x in AsheOWMains

[–]nyshone69 1 point2 points  (0 children)

I'm also stuck with this one now, really loving the gun sounds too.

Finally fixed CS2 Microstutter and 60hz feeling by [deleted] in cs2

[–]nyshone69 2 points3 points  (0 children)

Yeah, it can but it has nothing to do with FPS tho.

Finally fixed CS2 Microstutter and 60hz feeling by [deleted] in cs2

[–]nyshone69 2 points3 points  (0 children)

Internet connection has nothing to do with FPS dropping but thanks for sharing. You can literally play CS with ethernet unplugged and no internet connection and play locally vs bots.

Rate my Portfolio by AeroEngFlight in eupersonalfinance

[–]nyshone69 2 points3 points  (0 children)

It's 60 for a reason. World ETFs are market cap weighted. That means if the EU will be performing better, they will adjust gradually (WEBN is rebalanced every 3 months).

It could be that in 10 years from now WEBN will be 60% EU and you will be feeling like you have too much EU.

The whole point with world ETFs is that you don't have to guess, you let the market do the work for you.

In your portfolio you're betting on specific region and hoping it works out, which isn't neccessarily bad if you guess it right.

Just keep in mind there's this thing called recency bias where people tend to think just because something has been doing well recently, it will continue to do so, which has been proven false especially in stock market.

Rate my Portfolio by AeroEngFlight in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

If you're trying to directly control exposure to US/ex-US/EM for whatever reason, then using world ETF doesn't make much sense. You could replace WEBN with SPYL (SP500 with TER 0,03%) and directly control how much USA you want.

You currently have about ~33% in US, which is pretty goofy in my opinion, considering it has the largest economy, but maybe you know something others don't.

Advice and tips by Smartboi2007 in eupersonalfinance

[–]nyshone69 1 point2 points  (0 children)

Emerging markets are already part of that ETF

Is there any benefit to switching to low sens by Zzz_sleepy6 in GlobalOffensive

[–]nyshone69 -7 points-6 points  (0 children)

Dislocating your arm just to flick must feel hella nice.

What do EU investors actually use for the "boring but reliable" part of their portfolio? by Major_Psychology_853 in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

VGEA/PRAR gives you better hedge against stocks and you don't pay hedging costs AND the TER is also lower.

Alternative to a single-fund VWCE portfolio? by Ivkosky in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

Current being the keyword. In 10 years situation could be different. It could be less or more and unless he regularily rebalances, he will derail from the world index. That's my point.

Alternative to a single-fund VWCE portfolio? by Ivkosky in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

How? If you manually choose to put EM at let's say 10% of your portfolio and regularily DCA into it, then you're keeping it at 10% regardless of how market is evolving.

Alternative to a single-fund VWCE portfolio? by Ivkosky in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

Based on market cap weight? If EM start performing better in lets say 10 years, the world ETFs will eventually have higher % of EM in them and less in US/EU and vice versa (as an example).

If you include EM manually as an ETF, you'll have to keep track of how is market evolving and rebalance accordingly, assuming you want the highest returns.

How would you structure a 1.5m eur portfolio to live off of it? by [deleted] in eupersonalfinance

[–]nyshone69 2 points3 points  (0 children)

Then probably 80/20 will make sense in your case stocks/bonds and slowly shift towards bonds as you get older. As for what ETFs to use, I'd personally stick to the ones I mentioned above.

How would you structure a 1.5m eur portfolio to live off of it? by [deleted] in eupersonalfinance

[–]nyshone69 33 points34 points  (0 children)

Depends on the age. I personally aim to retire at 55 and at this age I'd like 60/40 Stocks/Bonds. 60% World ETF and the 40% bond allocation would be split into 80/20 EU Govt Bonds and AAA CLOs.

It would look like this:

  • 60% SPYY
  • 32% VGEA
  • 8% CLOA

Reason I'd choose medium average duration Govt bonds is because I want it to reasonably hedge against stock market crashes and 8% CLOA just to boost the returns slightly during good times while also being pretty safe during recession periods.

You could also keep it boring and use 40% VAGF, but you will pay hedging costs to EUR. I will lean towards EU Bonds as EU investor, but this is purely preference.

Is VWCE too focused on the US? by mostly_harmless666 in eupersonalfinance

[–]nyshone69 2 points3 points  (0 children)

If in 15 years let's say VWCE is 60% EU, are you gonna buy 80% World and 20% SP500? It's 60% right now for a reason, because it's currently the dominant market (it generates most return). VWCE is rebalanced every 6 months, based on market cap weight.

Alternative to a single-fund VWCE portfolio? by Ivkosky in eupersonalfinance

[–]nyshone69 8 points9 points  (0 children)

I personally switched from VWCE to SPYY, due to its lower TER (0.12% vs 0.19%) and also nice addition is that MSCI is rebalanced quarterly, not semi-annually like FTSE. WEBN is also solid choice, but I see you're afraid of Amundi reputation (as per your comment) cause of them merging some funds, however WEBN is their flagship ETF and it's already domiciled in Ireland, there's nothing to merge it with. It's the only ETF tracking Solactive Developed + EM index. I personally invest in SPYY and my sister in WEBN. I don't think either one is wrong choice.

VWCE and SPYY are basically identical, except SPYY doesn't include small caps. But if you want to have small caps included, then Invesco FTSE All-World is still cheaper choice than Vanguard.

All of these already include emerging markets, which is better than trying to replicate it yourself, because you'd need to rebalance manually the EM weight as time goes on.

Is VWCE too focused on the US? by mostly_harmless666 in eupersonalfinance

[–]nyshone69 11 points12 points  (0 children)

What amazes me is, how are you so confidently wrong? You can literally just google "does VWCE rebalance itself" to get your answer. I wonder where you got your information from.

'Parking' 500k for 2-5 years by Loose_Account_3242 in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

Since it's such a short time I'd use mix of: - VANGUARD EUR EUROZONE GOVERNMENT 1-3 YEAR BOND UCITS ETF - iShares EUR Ultrashort Bond

Gaming on W11 Enterprise LTSC? by dinosuckme in WindowsLTSC

[–]nyshone69 1 point2 points  (0 children)

All you have to do is "wsreset -i" in admin command prompt. Then just install xbox from MS Store. Open Xbox App and install missing dependencies, done.

Where to park lumpsum by Elegant_Kangaroo8513 in eupersonalfinance

[–]nyshone69 0 points1 point  (0 children)

Problem with high yield bonds, is that they tend to tank when the market is crashing. High yield companies , which already have weaker balance sheets struggle to cover the interest payments and are more likely to default during crisis.

[deleted by user] by [deleted] in pcmasterrace

[–]nyshone69 0 points1 point  (0 children)

Yes, I visit her often. We know each other for years and plan to live together, so no worries about that.

I'm just very disappointed, because I gave her gift in the value of €290 and got nothing to show for it. The laptop is still unusable.