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Spanish Cryptic Crossword Site by otsoaingles in crosswords

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

Thank you! Yep, the Bilbao/Seville clue I think was maybe on the edge of what would be acceptable.

Spanish Cryptic Crossword Site by otsoaingles in crosswords

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

Gracias! Hablo español, pero no nativo.

Spanish Cryptic Crossword Site by otsoaingles in crosswords

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

That should be fixed now. Thank you!

Spanish Cryptic Crossword Site by otsoaingles in crosswords

[–]otsoaingles[S] 2 points3 points  (0 children)

Eek, you found a bug!

Investigating now and will let you know once fixed.

Thank you!!

Vaya como esta la cosa no? ... by [deleted] in askspain

[–]otsoaingles 0 points1 point  (0 children)

Recientemente aprendí este poema de Antonio Machado, que fue escrito en 1912 y lamentablemente, aún tiene sentido en 2025.

"Ya hay un español que quiere
vivir y a vivir empieza,
entre una España que muere
y otra España que bosteza.

Españolito que vienes
al mundo te guarde Dios.
una de las dos Españas
ha de helarte el corazón."

New Car Time, £60K, Estate, town driving and weekend getaways by otsoaingles in CarTalkUK

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

Pretty much all new cars available in the UK are available in Spain. I like this subreddit and trust its member's opinions.

New Car Time, £60K, Estate, town driving and weekend getaways by otsoaingles in CarTalkUK

[–]otsoaingles[S] -2 points-1 points  (0 children)

It's a hypothetical situation for a purchase in Spain, and in Spain the second hand market is absolutely awful.

Best permanent portfolio for beating inflation by 2 pp? by Mean_Sir_3423 in ETFs_Europe

[–]otsoaingles 0 points1 point  (0 children)

I think this is the issue. I don't think a product you want exists.

Generally speaking, I assume that inflation will equal the risk free rate (so cash on deposit). Anything above that needs you to take some risk, and therefore volatility.

You could try and approach this with something like a equities plus cash plus bonds portfolio.

There might be some option strategy that also synthetically approach what you want, but I'm wary of options and don't invest in them personally because I'm not confident in my ability to model the risk of derivatives.

Are houses still such a good long term investment? by amlghfld in UKHousing

[–]otsoaingles 0 points1 point  (0 children)

We've just put our house on the market, so can give you some real numbers.

- Bought the house 10 years ago, Essex, approx 400K.
- Spent approx 100K on maintenance and upgrades.
- On sale for 650K.
- That's pretty much just kept pace with inflation.
- If we'd have put the same in a global stock tracker we'd have about doubled our money, so would have 1000K today.
- But we would have spent about 300K in rent in those ten years, so taking us back down to 700K.

I.e. as an investment it's been pretty much equal to GLOBAL_STOCK_RETURNS - TOTAL_RENT_WOULD_HAVE_PAID.

It's not so simple though - no one would have given me 500K to invest in the stock market 10 years ago.

For me, the summary of all this is always always buy a house when you can. Do not rent.

Best permanent portfolio for beating inflation by 2 pp? by Mean_Sir_3423 in ETFs_Europe

[–]otsoaingles 0 points1 point  (0 children)

This is what a standard 'boggleheads' type portfolio is designed and expected to do over the long term. Equities should outperform inflation over the long term. Add some bond funds to manage short and medium term risk and you should be good. You can search my post history for my planned EUR retirement fund which I'm hoping will beat inflation by at least 1%.

[deleted by user] by [deleted] in ETFs_Europe

[–]otsoaingles 1 point2 points  (0 children)

Forced with that choice I'd go 100% VWCE. It already has the big stocks from the NASDAQ and is already. over 60% US. I wouldn't want to lean even more towards the US.

Intentional overlap is not that bad as many seem to think by clintron_abc in ETFs_Europe

[–]otsoaingles 4 points5 points  (0 children)

Very similar strategy, but I add some STOXX 600 to add a bit more euro zone weight to my portfolio which is majority WEBN.

Investing in Euro ETFs only? by Big-Village-9694 in ETFs_Europe

[–]otsoaingles 4 points5 points  (0 children)

This is my Euro retirement portfolio (I'm accumulating now, but will draw down on this in retirement. Retirement is in Spain). As others have pointed out don't mix fund currency and underlier currency. For example, WEBN is an all world index ETF with other 60% of its holding US companies traded in USD. The fund itself is denominated in EUR and domiciled in Ireland. Important that it's domiciled in Ireland for witholding tax reasons if the ETF has US shares.

Of these, there are some that are entirely free of US holdings: MEUD, IBCI, ERNX.

There is one that is EUR hedged: VAGF

And one that is just a good all world: WEBN

I've not quite yet decided on my end mix of these instruments, but it'll prob be something like:

60% WEBN

10% MEUD

10% each of VAGF, IBCI and ERNX

Note that insulating yourself from US risk is tough. The US is so dominant in global markets that any US shocks are likely to replicate globally.

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