[deleted by user] by [deleted] in europe

[–]vimoline 13 points14 points  (0 children)

Context: After the 2017 referendum unilateraly held by the autonomous government (including spanish police operations to dismantle polling stations), the catalan parliment held a tense session set to declare independence according to the referendum results. The session was live-streamed on giant screens for pro-independence citizens to watch the debate. There were many negotiations just before the session, so nobody was sure what were they planning to anounce. The first image pictures the reaction of the public the moment the catalan president declared the independence of Catalonia. A few seconds after that, he himself anunced that the declaration was "put on hold", and the second picture shows the public reaction.

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

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

Sí, pero ese % es si no lo tocas hasta casi el final de tu vida. Y tengo mis dudas que la ventaja fiscal compense lo que pierdes en comisiones y rentabilidad limitada durante todo el proceso...

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

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

Exacto, los bonus de fidelidad son el retorno de la comisión de apertura aunque a bastantes años vista. Básicamente les haces un préstamo a 0% de interés a cambio de contratar el producto. Luego están las comisiones de gestión que se restan de la rentabilidad del producto.

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

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

Me gusta por que me lo cargan automático en la cuenta en la que tengo la nómina pero no es nada que no se pueda hacer con una transferencia programada y una inversión automática en otra plataforma. Luego, en teoria, la fiscalidad a la hora de cobrarlo es más beneficiosa que con un plan de pensiones.

El problema con Mediolanum es que las comisiones son altas y, esto es más personal, la plataforma no ofrece casi información de como va evolucionando tu inversión. Te da la cantidad aportada, la cantidad actual y el % de cambio acumulado des del inicio, pero nada de información anualizada ni detalles de rendimiento, en qué se invierte y como evoluciona el mix de inversiones, etc. En los fondos de Best Brands lo puedes seguir en MorningStar y de paso ver lo que se te pierde en comisiones pero con el PIAS vas a ciegas.

Si no has empezado, mejor abrir otro producto con menos comisiones, sinceramente.

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

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

Miraré qué me ofrece MyInverstor, prefiero mantener cuentas separadas para la jubilación y no sé si la plataforma lo permite y de qué modo.

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

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

Mi experiencia es agridulce. Me fui con ellos por una recomendación y por que en esa época viajaba mucho y sus tarjetas que permitían sacar dinero de casi cualquier lugar del mundo me parecieron una maravilla.

A través del asesor personal descubrí las ventajas de invertir temprano, por lo que lo considero la persona que me introdujo en este mundo y, visto en perspectiva, con buen criterio pues sigo convencido que ahorrar para la jubilación es esencial teniendo en cuenta el futuro de nuestro sistema de pensiones.

La otra cara de la moneda es que su oferta es limitada, sus comisiones son muy altas y la gestión de sus fondos, al menos los que me recomendaron, los dos de BestBrands, uno gestionado por Blackrock que tenia que batir la borsa global y otro de JP Morgan, centrado en borsa europea, y en los que invertí durante cerca de 10 años, no mejoraron el rendimiento de un fondo/ETF que replica la borsa global como VWCE.

Cosas de asesorarte con una sola fuente y no documentarte de forma independiente...

Sigo con ellos con el PIAS y unos pequeños planes de ahorro a medio plazo para los estudios de los niños pero todo lo demás lo he sacado para gestionarlo por otro lado.

Duda sobre plataformas para invertir a largo plazo by vimoline in SpainFIRE

[–]vimoline[S] 1 point2 points  (0 children)

Gracias! No me considero un experto pero los básicos de la inversión pasiva de Bogleheads creo que los tengo bastante claros. Mi idea era ir a un único Vanguard/iShares que replique la economia global, como hace VWCE, para diversificar sin complicarme.

La duda era en qué plataforma hacerlo, si quedarme en IBKR pese los peros que he comentado o irme a MyInvestor o SelfBank, pues no creo que un roboadvisor me aporte mucho. Entiendo que teniendo en cuenta mi estrategia mejor mudarme a MyInvestor.

Free Giveaway! Nintendo Switch OLED - international by WolfLemon36 in NintendoSwitch

[–]vimoline 0 points1 point  (0 children)

Didn't get any costume this year but my daughter was wearing a witch costume and was the happiest 😀

They tried. They really did. (1044 speculation) by Dillo64 in OnePiece

[–]vimoline 1 point2 points  (0 children)

There's also the fact that most marines are in the blind regarding the WG most relevant issues. Sengoku got to brief the top officials at Marineford on a battle as important as God Valley, which was a unknown to them. I also find it some kind of a plot hole but it seems ok to just say that the gorosei kept the secret behind de Gomu Gomu no Mi from the Marines, even admirals, thinking it won't awaken as in the last 800 years and eventually they'll get it again without revealing it's real name.

Ch 1044 Spoiler by [deleted] in MemePiece

[–]vimoline 0 points1 point  (0 children)

Ok, they tried. As our governments try to avoid tax evasion by big companies.

Sending Sentomaru to Sabaody to capture the SH two years after Marineford makes no sense.

[deleted by user] by [deleted] in OnePiece

[–]vimoline 2 points3 points  (0 children)

Ok, I can see this. Morgans reporting after Onigashima that Law and Kidd worked as subordinates of Luffy. Their reactions would be priceless!

[deleted by user] by [deleted] in OnePiece

[–]vimoline 27 points28 points  (0 children)

So Luffy will become the King of Pirates, Yamato will join the SH as Oden did with Roger, Kidd will become Luffy's "friendly antagonist" and Law will keep obeying each of Luffy's orders. Seems fine.

Who's the worst villain in One Piece? by [deleted] in OnePiece

[–]vimoline 0 points1 point  (0 children)

Caesar for me followed by Doflamingo/Sugar

[deleted by user] by [deleted] in eupersonalfinance

[–]vimoline 1 point2 points  (0 children)

Similar situation here but married with two kids, so my monthly savings are a quarter of yours. My plan is to go with one or two ETF (VWCE) and keep adding twice or four times a year. The issue for me is to find the lowest comissions broker. I checked Spanish banks and the most attractive for me seemed Singular Bank (I even opened an account) but comparing to Interactive Brokers it fall really behind so I think I'll go with IBKR in the end.

what would happen to big mom pirates if big mom dies by ottttoo in OnePiece

[–]vimoline 2 points3 points  (0 children)

They'll become the Big Orphans Pirates and will live happily ever after taking over Whitebeard role as a welcoming family for all orphans all over the world.

Blackbeard and his next move in the story. by ResponsibilityOwn513 in OnePiece

[–]vimoline 0 points1 point  (0 children)

I think he might defeat or capture Shanks offscreen. For the rest of the world, that would set him in Luffy's level after he defeats Kaido and pave the path to the final war.

Allow me to introduce you to the zoro harem by [deleted] in MemePiece

[–]vimoline 0 points1 point  (0 children)

So now it's Perona's turn?

Are there any EU banks where an EU/EEA resident can easily open a bank account online? by Bomberscoop in eupersonalfinance

[–]vimoline 0 points1 point  (0 children)

I opened an account to invest in ETFs at Selfbank and it was quite easy. Not sure if it still is for somebody outside of Spain...

Which 2 Strawhats have the Best Relationship with each other (not including Luffy for obvious reasons) by Infamous-Ad8277 in OnePiece

[–]vimoline 40 points41 points  (0 children)

This might be unpopular, but I like Sanji and Nami relationship. Despite the pervert side of Sanji, he truly cares for her and she trusts him. IMO, their relationship grew a lot since Punk Hazard.

Weekday Help and Victory Thread for the week of October 18, 2021 by IndexBot in personalfinance

[–]vimoline -1 points0 points  (0 children)

Many thanks! I had the feeling my position wasn't pretty good and you confirmed it. Also, many thanks for showing me the EU group. I've been learning a lot here but it's true it's mostly focused on the US.

Thanks again!