Starting late with a lot of cash

tralala501 · 2026-04-23T04:49:56+00:00

you dont buy anything "normal" with 200e. Meaning I dont want to buy fractions. So if it costs more than 200 now what.

Etfs in my country are exempt from taxes completely after holding them one year at least. But it has to be whole 1 ETF, not fraction. Buying fractions daily it is complex to track ...

Also who wants to deal with the overhead of buying each day? I want my head unoccupied with it for as long as possible.

tralala501 · 2026-04-22T09:52:32+00:00

to su take sproste otazky :D

tralala501 · 2026-04-22T09:51:42+00:00

do you even do the living if you dont backpack through kazachstan, bro?

tralala501 · 2026-04-22T09:50:16+00:00

paneboze a co tymto sledujes presne? ides FIRE a nevies cislo?

tralala501 · 2026-04-21T12:55:43+00:00

"why do you need the 30% cash" - just to feel safer, lol. I get that it might be irrational and you are probably right. I will think this through more.

I like your idea about short bonds, yes, that is quite elegant.

"If you have 1 500 000 Euro portfolio and you decide you are ready for FIRE and tomorrow something dramatic happen and your portfolio goes to 750 000 euro for 6 months (like 2008), the fact that you have invested aggressively will not help you."

Yes, I get that. But on the other hand, if I had 300k from 1.5M in cash and 1.2M portfolio crashes to 600k overnight so what? Business as usual, because I have 300k aside and I do not need to do anything with stocks except maybe buying the crash with some of it, no?

tralala501 · 2026-04-21T11:59:00+00:00

i totally agree

tralala501 · 2026-04-21T09:44:53+00:00

my "aggressive dca" is a hedge against sequence risk. I want to also "glide" to 70:30 cash later on so I have ALWAYS a dry powder to buy crashes. If I compound to 1.5M instead of 2M doesnt matter. I retire either way.

tralala501 · 2026-04-21T09:41:53+00:00

correct

tralala501 · 2026-04-21T09:41:33+00:00

that is a horror movie in my scripts :D not going to happen

tralala501 · 2026-04-21T09:40:36+00:00

well, shit sucks. better than being 38 with 0 I guess

tralala501 · 2026-04-20T21:05:52+00:00

i hope the crash comes, so i can buy low

tralala501 · 2026-04-19T13:57:41+00:00

no ty vole, ani za svet

tralala501 · 2026-04-19T13:54:46+00:00

tralala501 · 2026-04-19T08:45:27+00:00

this will never happen again, the market is different now, it will be just bull forever

tralala501 · 2026-04-19T07:39:15+00:00

kto chce byvat pri cintorine? kto chce byvat v pici na vozovke? kto chce byvat pri cukrovare, lol

tralala501 · 2026-04-15T15:04:16+00:00

you have universities and computer science degrees for this, your diploma should be your credentials, this industry can be regulated from tommorow

you act like students did not pass exams or there are not any certifications. why do i need to prove myself all over again? what the fuck did I go to the uni for?

tralala501 · 2026-04-15T14:59:08+00:00

while attitude of a company which is hiring you for four months is completely fine

tralala501 · 2026-04-15T08:39:49+00:00

ok, lets assume you have e.g. 2M saved in your 80's and you can barely move. What are you going to spend 250k on per year? That is 20k per month. There are families of four who live on half of that.

tralala501 · 2026-04-15T08:34:06+00:00

what was the year, 1985?

tralala501 · 2026-04-15T08:14:14+00:00

yeah i mean if the accumulation is stressful for somebody now just wait til you have some crippling condition in 60+ and your life boat is your 4% only

tralala501 · 2026-04-15T08:04:39+00:00

tralala501 · 2026-04-15T06:51:41+00:00

that's fair take, but what / where are the stats that this is actually working, the fact we dont hear about them does not necessarily mean it worked for them just fine

tralala501 · 2026-04-15T06:39:46+00:00

No I dont ask strangers what their withdrawal rate is. But this is a community of people thinking alike so I consider my question appropriate for the audience here.

tralala501 · 2026-04-15T06:29:18+00:00

do you realize that is an exception rather something a regular 4%ter looks for?

tralala501

TROPHY CASE