The Truth About Passive Income
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- Опубліковано 11 чер 2024
- Is Passive Income a Scam or is any of the advice you hear online based in reality?
🇪🇺 Best broker in Europe (ETFs): angelo.fi/ibkr
Lately it feels like UA-cam is full of passive income videos. Most popular finance UA-camrs seem to constantly talk about their best passive income ideas in 2023 and how they make (enter random amount of money) every week. Is it all a scam or is any of it real?
To answer this question, let's review what four of the most popular UA-camrs @GrahamStephan, @AndreiJikh, @aliabdaal and @marktilbury recommend you can do to generate passive income, find out if it actually exists in Europe and if yes, go over the few truly passive options that don't require you to start a side hustle in pursuit of financial independence and early retirement.
My Favorite Brokers (ETFs & Stocks):
🇪🇺 Interactive Brokers: angelo.fi/ibkr
🇪🇺 Trade Republic (4% interest): angelo.fi/trep
👉 Compare ETFs & Stocks: angelo.fi/comp
🇩🇪🇦🇹 Easiest for Germany & Austria: angelo.fi/etfs
My Current Top 3 in P2P Lending:
📌 Esketit (0.5% bonus): angelo.fi/esketit
📌 Mintos (50€ bonus): angelo.fi/mintos
📌 Income (1% bonus): angelo.fi/income
💰 All P2P deals & conditions: angelo.fi/all
⚡ Where I Buy Crypto: angelo.fi/bit
📈 Where I Track my ETFs: angelo.fi/getquin
🏠 All my Investments & Accounts: angelo.fi/tools
00:00 Does Passive Income Truly Exist or is it a Scam?
00:45 67k per Week in Passive Income
03:30 27k per Week
04:31 Passive Income Ideas
06:12 How to Invest for Passive Income
06:58 A Side Hustle is NOT Passive
07:16 Truly Passive Income Options for European Investors
07:33 #1: Dividend Stocks and Dividend Yield ETFs
09:17 #2: REITs vs. Physical Real Estate Investments
10:51 #3: Peer-to-Peer Lending
11:27 What You Really Need To Generate Passive Income
12:09 #4: Interest On € Bank Deposits
12:52 #5: Bonds
13:31 #6: Xtrackers EUR Overnight Rate Swap UCITS ETF
ETFs mentioned (ticker symbols in brackets):
Vanguard FTSE All-World UCITS ETF Distributing (VWRL or VGWL)
Fidelity Global Quality Income UCITS ETF (FGEQ)
VanEck Global Real Estate UCITS ETF (TRET)
HSBC FTSE EPRA NAREIT Developed UCITS ETF (HPRD)
iShares Developed Markets Property Yield UCITS ETF (IWDP or IQQ6)
Xtrackers II EUR Overnight Rate Swap UCITS ETF (XEON)
👉 You can buy them using the two best low-cost brokers in Europe IBKR (angelo.fi/ibkr) and Trade Republic (angelo.fi/trep)
Our main ETF: Vanguard FTSE All-World Accumulating (ISIN: IE00BK5BQT80, Ticker: VWCE)
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Some of the links are affiliate links, which help support me and the UA-cam channel. Still, none of the links are sponsored.
Disclaimer: I am only sharing my own experience. I'm not a financial advisor and you should always do your own research and due diligence before investing. Investing involves risk of losses.
![ПОЛНАЯ ИСТОРИЯ ЭКЗОРЦИЗМА [Топ Сикрет]](http://i.ytimg.com/vi/qBySr6Bt0B8/mqdefault.jpg)
You can find the ETFs I mentioned below 👇
🇪🇺Best Broker in Europe (ETFs): angelo.fi/ibkr
🇪🇺Trade Republic (ETFs, bonds + 4% interest): angelo.fi/trep
👉Compare ETFs & Stocks: angelo.fi/analyze
📈Where I track my ETFs: angelo.fi/getquin
💰All my investments (incl. P2P & Crypto): angelo.fi
📈 ETFs mentioned (ticker symbols in brackets):
Vanguard FTSE All-World UCITS ETF Distributing (VWRL or VGWL)
Fidelity Global Quality Income UCITS ETF (FGEQ)
VanEck Global Real Estate UCITS ETF (TRET)
HSBC FTSE EPRA NAREIT Developed UCITS ETF (HPRD)
iShares Developed Markets Property Yield UCITS ETF (IWDP or IQQ6)
Xtrackers II EUR Overnight Rate Swap UCITS ETF (XEON)
Passive income is no Ponzi scheme. Invest intelligently in stocks, sit tight and get on with life. Let your money work!
Yes, as long as you stick to options like stocks/REITs/ETFs I agree!
naive
@@nalusan With this type of mindset, it’s easy to tell that you haven’t made a dime in the form of passive income especially not from investments.
@@LiquidityOcelot well, as I am not naive I avoided most crashes. My account shows I earn enough though. But as it was mentioned its not actually passive.
@@nalusan Lol! You can ease on the naivety. I’m no guru myself however I work with a financial professional and with clairvoyance I’ve made quite a fortune capitalizing on market volatility and owning solid investments including Bitcoin.
Excellent work Angelo! I am so tired of all this click bait nonsense...
I watched the first video on your channel around 1,5 years ago and I am so happy to see that you continue the good work and remain honest. Rock on!
This channel deserves a much larger audience and I am sure it will come! ❤
Thank you, hearing you say that means a lot to me!
Hi Angelo, I don't usually comment on social media but appreciation is due! I have been trying to become financially literate and the amount of information, and information providers, out there is overwhelming. I am so thankful to have landed on your channel. Ever since, I have been watching most of your videos and will likely rewatch many of them. Thank you for all the work you put into this. While I still have lots of research to do, you certainly saved me and many others countless hours of work. Your content is the best I have found on UA-cam and I am surprised your channel does not have more exposure! Wishing you and all your family the best on this journey to financial independence! Greetings from Amsterdam :)
Hi Elena, thank you so much for telling me that, you made my day with your comment!
Hi Angelo, greetings from Croatia. I want to thank you for all your hard work. Since finding your channel a year ago it has become one of the best sources of information online. With so many American youtubers, it is great to have someone from Europe talking about specific issues we are facing. Keep up the good work.
All the best,
Darko
Thank you so much Darko, reading that made me very happy! Cheers from Vienna! 🥂
HI Angelo, first of, greetings from Slovakia. I want to thank you for the down-to-earth, realistic content you produce, from great practical investing advice to actual results that seem obtainable. This really is some of the greatest advice I found online for my investing endeavours. Thank you.
Thank you Viktor, that means a lot! All the best from Vienna!
I completely agree!
Super ako to ide?
Hey Angelo! As always thanks for all the quality content you share. It's ridiculous the amount of crap content on youtube, thanks for highlighting the wrong stuff and giving your recommendations. I'm a bit pissed off with UA-cam's SEO algorithms that give a bunch of popularity to those kinds of content creators. Keep up the good work man! I appreciate the transparency and accuracy of your videos. My investing is getting almost to 10k euros by now (investing my savings in a one-year window, one chunk per month) and when people ask me how did I do my research, I always point them to your channel, since it was plenty useful for me (as a European investor as well). Have a good one! and thanks for the video again
Hi Sergio, thank you for making my day with your comment! 🙏
Wishing you all the best as well and congrats on your investment progress so far!
Regarding the Fidelity quality dividend fund: If you check the largest holdings of it are technology stocks. So it does not represent true diversification compared to the Vanguard All-World ETF.
Hello can you please do a video for the revolut savings acount and maybe compare it with other platform for example trade republic
I agree with what you are discussing in the video. I also find most online discussed passive income ideas are actually not that "passive". For myself, I do rental apartments, invest in big bank stocks, index funds, CDs and money market funds. Rental properties are more like a "side hustle" rather than passive incomes because there is always something coming up to deal with unless you pay a property manager to handle them. CDs and money market funds have low return rates and could hardly beat inflations while big bank stocks and index funds generate real passive incomes in my humble opinion.
Glad to hear that you agree with my assessment! And thank you for sharing your experience, especially regarding rental properties.
Great video, greetings from Slovenia 🇸🇮 btw what is the best dividend ETF in the USA?
You are better and more honest than these big youtubers. Have a nice day Angelo.
I'm definitely not better than them (I have massive respect for Ali, Graham and Andrei), but I appreciate it, thank you! 🙏
Wishing you a nice day as well!
Great video! Thank you!
You're welcome Antoine!
Thanks for your videos. As a fellow european investor and FIRE wanabee, it's refreshing to have a different perspective on this topic.
You're very welcome!
Great video and very honest! I am also on this road of FIRE and hope to be financially independent in 9 years :D. I have one comment regarding your suggestion Fidelity Global Quality Income UCITS ETF.. I think at least from my part a better option is Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing it has a 3,385 m fund size and a TER of 0.29 vs 0.4 and 387m(Fidelity). I think it is important also the etf size when taking into consideration a etf in Europe as for the liquidity if you want to sell it faster for example. Best regards from Romania!
Thank you! I compared the Fidelity Global Income to the Vanguard High-Dividend-Yield ETF in the video, in my opinion the latter is simply not a good ETF compared to the standard FTSE All-World.
Great video, Angelo!
Thank you Anton!
Finally a trust worthy finance channel. Excellent work!!
Great video Angelo. Like your honesty.
Thank you!
Hell Angelo just a quick question - about the etf divident payments from Interactive brokers are they automatically taxed before distribution if there is a tax treaty between the US and the country or i need to pay tax on them manually every year?
You still need to pay taxes on dividends you receive on a yearly basis in most European countries
Like the transparency... continue the good job 👏
Thank you Henrique!
Fantastic video as usual. Loving your work Angelo
Thanks a lot Dave!
Great video, I agree with almost all what you said especially about other content creators. Don't you think that saving into stocks is not fully passive as well. One could argue that if you make 2k and save 500 a month, you can probably find a job that requires less time and make 1.5k a month. So you trade time to make more money and invest the same way as someone being paid 1.5k and having a side hustle generating 500 a month. ITs not exactly the same but I do not think it is discussed enough.
Thank you for not destroying the image I had of Andrei :) He is my favorite one from the US.
I really appreciate the content you create from the European point of view! 👏
I still find he makes useful and very entertaining finance videos, so I had no reason to be too critical of him :)
Happy to hear that!
4:45 I do think you're missing the point a little here. The idea of a passive income is that you create a passive income: work upfront for profits doesn't align with low levels of work ones the income stream has been created.
Truthful and great content like always! Thanks bro!
My pleasure! 🥂
Good work, Angelo! Great content ;) I agree with you, and investing should be boring...
Thank you Vlad!
Great video, Angelo. Thank you. Hope you're enjoying your summer. Cheers from Portugal. :)
Thank you! Cheers from Vienna!
Oh my, thanks a lot for your honest reviews (I have been questioning the passive income videos myself for a while) and also thanks a lot to show some options for European investors. The video is just to the point. I also live in Austria and your content is incredibly helpful to me.
Thank you, I'm happy to hear that! Sweet, always happy to see more Austrian investors!
Man you are a great UA-camr finaly someone who is spitting facts and not throwing bs around just to make a couple of dollars more... I enjoy your content lot keep up. Im also curious about the books that u red about investing you should do a video about that. Cheers 😊
Keep going!!!📈
Hey Angelo! Always watch your content! Could you do a video on Credit Cards in Europe? which options are there which are the best cash-back cards or which other benefits and they compare (and why there's a smaller market here) with the ones in the US. Thanks!!
Happy to hear that Carlo! Sadly the options regarding credit cards paying cashback on purchases or providing other benefits are very limited in the Euro area, but I'll still look into it and see if it would make for a useful video!
@@AngeloColomboFi love it! Thank you!
Best finance video this year, thank you!
Really appreciate you saying that, cheers!
Angelo, thank you for another great video! I like your "to the point" approach here. Today there's a lot of hype around "passive income" and I see these attractive headers everywhere - "make X dollars per day".
I have similar opinion, if you manage to create some income for you by spending weeks/months of building this money flow and then you spend more energy later to maintain it - it's not "passive", it's just a work. Maybe not a traditional one, but still a work.
And well done highlighting useful advice from these youtubers among other false claims they make.
Thank you Honsu, glad to see you feel the same way
Hi Angelo greetings.for italy aswell.
Awesome video, I wanted to know if you plan to make a video about where to store your crypto is something like this in your drafts ?
Grazie! It's definitely on my list - I just want to make sure it covers everything when I talk about it (selecting safe, regulated exchanges, properly securing accounts, offline wallets etc.).
@@AngeloColomboFi awesome to get a reply from you!
i was keeping my funds on ledger but after some unhappy news about ledger and random spam nft droppin into my wallet i decided to move everything, just for my funds is not viable to keep BTC and ETH ( my main holdings) on their mainnet due to high fees that will eat up my savings
Great video!
And you're very right, many of those youtubers get rich by telling others how they got rich (e.g. by creating a UA-cam channel and then selling tons of affiliate marketing and paid publicity).
There are few who are really honest and give real advice, such as, you, and that's why we come here every time you post a video.
Good job! 💪💪👏
Thanks a lot! I've been trying my best to produce more useful videos. Based on the feedback from the last few it seems like I'm on the right path :)
The Intelligent Investor ignores the finance channels you are talking about 😊.
Usually Graham and Andrei do cover relevant finance topics and recommend passive index fund (ETF) investing to their audience, so it's not all bad in my opinion
@@AngeloColomboFi absolutely, there is a lot of diamonds in the mud with information, especially on ETFs. Just got to sift through the crap lol.
Honestly over clicks! Greetings from Lithuania for your great content. But I like Graham a lot😁
What do you think about combination of IWDA+FGEQ?
Keep going!
Thank you! I still like Graham as well :)
You have a lot of overlap with those two ETFs, you're basically just increasing the overall dividend yield and tilting your portfolio slightly more towards dividend paying stocks.
Big thing to consider in investments that give you regular passive income are also taxes! Taxes on dividends in EU countries range from 5% in Bulgaria and Greece, 7% in Slovakia, and 10% in Romania (which might actually be the best on balance, considering other taxes), to well past 25% in some countries (including Austria with 27,5%, I believe!). Unless one is lucky enough to live in say Liechtenstein (where both dividends and capital gains are untaxed), the already lofty plans all these passive income videos make are even further out of reach than a first critical examination suggests.
Perhaps instead of the how I made x in passive income craze, a "how I optimized my taxes" is called for. Less sexy, lol. But a lot more real!
Yes, very well said! I was originally planning to include a chapter about taxes, but the video had already gotten quite long.
Portugal 28%
Thank you. Very interesting content.
You're very welcome!
Hi Angelo, when buying an ETF how do I chose the right exchange ( Xetra, Euronext etc.. ) Thanks :) Amazing work on the videos.
Thank you! Which broker are you using and which ETF for example? This video might also help: ua-cam.com/video/4B05bx3pHT8/v-deo.html
I agree with u.
Thank you so much for clearing my doubt!
You're welcome!
Why haven't you mentioned SCHD as dividend ETF option?
Not available to buy in Europe, where most of my audience is based in
Ciao Angelo! Such a good content, just found your videos. As an Italian that moved to California 7 years ago and now just turned 30, I use all the systems you mentioned beside the peer-to-peer. Dividends and growth ETF definitely a must, Im investing every 2weeks and started investing in physical rental properties in the midwest for cash flow/appreciation asset. Bonds and high yield saving accounts for the spare cash that now offers in US over 4.2% interest
Ciao Matteo! Glad you found me even though you're now US-based. Thank you for sharing your experience, sounds like a great well-diversified setup!
I would agree P2P is not necessary, even though I'm happy with my investments in it. It does require quite some time commitment to understand the asset and platforms in the beginning. The performance is very good (~9%), but it is also not truly passive, as you need to inform yourself and adjust your investments from time to time.
So yeah, in other words, keep it up! ;)
I wouldn't invest in dividend ETFs instead of broad market indexes like the FTSE All World or MSCI World as they have a lower total return, and physical properties are too much effort and cluster risk for me (and a bubble), but that's a different discussion. You're definitely doing a lot right!
Great video!!
Thank you!🙏
Great video, thanks Angelo! I think the main misunderstanding is the word "passive" which implies doing nothing. However, other people like those UA-camrs, view "passive" as a separation of time/effort and income. As in: you can put a lot of effort and time into creating a digital product but when it's done you can sell it online, even when you're sleeping. So that is the passive element, even though it does require a lot of work 😃. Investing in dividend stocks and ETFs is more passive of course (although you need capital for it, which also requires work). The word passive can be interpreted in different ways, and usually it requires some type of effort/time ranging on a scale from little to a lot. Unfortunately many people like to think that they can make an income without doing anything at all, but that is just a dream and if that were possible everyone would be doing it 😅.
Great video! In Romania you get between 7-10% return from bank account deposits in 1 year. From my point of view these are better options for now instead of ETFs or stocks. You just deposit the money and that's it :D
Thank you! Nice, that's pretty hard to beat in the short-run, as long as the LEI doesn't loose too much value vs. EUR or USD.
Indeed but this would not hold true as the inflation dials down :)
Angelo, you forgot something! For passive incomes you need capital and KNOWLEDGE!!! I won’t recommend to invest if you don’t know anything about investments.
I wanna ask you what is your opinion about trading? I am about to learn and after that decide if it’s not to risky. You make good videos! Thanks! I started to invest one month ago, after 4-6 months of accumulating informations. It’s not easy to become financial independent after 40 years old, but maybe not impossible. Best regards, Cris, Germany
Thank you! Since most traders lose money, you would most likely need to invest a lot of time (and capital) to get good at it. I have no experience with trading myself I could share. Cheers from Vienna!
@@AngeloColomboFi is it so? Are you sure? I cannot know that until I research it by myself. Most of them are telling that they can live from trading. I was thinking to try it on demo account for a while. What do you think? I just want the opinion of an balanced human being 😃
Trust me Cris trading is not rocket science when you go at it with a pro, at least this way you avoid blowing up your accounts I know for a fact!
@@criszo9966Read the disclaimers on trading sites. It shows that the majority of traders are losing funds. Also, multiple studies have shown that around 97% of traders lose money over the long term, and less than 1% of day traders are actually profitable. Using a demo account won’t hurt you, so if you really want to try trading, that's a good option.
Finally some one on youtube that is not over optimistic about passive income. All the youtubers make passive income so easy when in reality you need to put alot of effort into that, so yes becomes a second job. No thank you. Unless you got some money then yes you can make passive income, investing in stock dividends. With no money, it´s impossible to have passive income.
I really appreciate opportunity to get Europe-specific advice! Passive income "industry" indeed tries to sell idea that in three easy steps you will start making significant amount of money. Sadly, if you are actually lazy to explore your options, 3% yearly return is the likely ceiling for passive investment
Thank you, glad you liked it!🙏
Thanks for this amazing video 👏 I have watched some content with titles similar to the ones you showed, and always ended up feeling cheated on. 😅 Your take is refreshing since it is an honest one. A video on bonds would be amazing btw, since they can be difficult to understand!
Thank you Francisco!
Dear Angelo, started binge watching your videos ans started to invest in VWCE. Is trading 212 a good platform?
Great video Angelo ! I was buying FUSD (US focused analog of FGEQ) for dividends and it wasn't often mentioned ETFs in internet. Knowing that such experienced investor as yourself thinks that it is a good option increased confidence in my knowledge :) Keep up the good work, your channel is a gem for any EU resident investor :)
Thank you Aslan!🙏
Thanks for calling BS on some of the clickbait videos 🙌
Hi Angelo, super video again, I have a question, did you change from Degiro to Interactive Brokers? And if so, did you transfer all of your investments at once?
Thank you! Yes, I haven't been using Degiro for a while any more - ever since Interactive Brokers removed inactivity fees back in 2021 and became the much better option. Yes, I finally decided to transfer my ETF shares (only had 1 position) from Degiro to IBKR last month. It took a few weeks and Degiro charged me 28€ for the transfer (IB, Trade Republic and Scalable charge zero in comparison), but they're now on Interactive Brokers as well :)
Well analysts
Whats the difference between XEON and Money Market Funds?
Let's not forget that in order to pick up one of those "passive" income streams in the form of a side hustle, affiliate marketing, UA-cam'ing, etc, one has first become a specialist in chosen field before he can even start. So first you have to decide that you want to be an expert in it and then commit to it. And only then you can start learning and educating yourself, followed by long hours of hard unpaid work. As a blogger/affiliate marketer I can say it's far from passive income.
True! Not only that, you're facing a ton of competition (will only get 100x worse with AI), since the barriers to entry are so low.
Thanks Angelo!
Personally, Dividends stocks, and let the compounding effect do the magic 🙂
My pleasure as always!
Yes, I've been trying to learn about compounding interest too.
Nice, honest and down to earth video Angelo. That is why I am a fan of your work! I just blocked out all of those click bait content creators.
Thank you Malcolm! 🙏
Absolutely agree
Hi Angelo. Greetings from Poland. To buy stocks you need money, to have money you either have to work for it (one way or another) or inherit it. In my opinion putting money to work gained by inheritance is somewhat passive. If you are investing your hard earned money then it is not passive. Work is required but it’s already done in the past.
Hi Pawel! Well yes, as I mentioned the only real "passive income" options all require capital beforehand (whichever way that is earned), which once invested can then generate recurring income. In the video I'm mostly criticizing all the side hustles (with no guarantee of success) masqueraded as "passive income options".
@@AngeloColomboFiI agree with what you are saying about “passive incomes” suggested by other UA-camrs. I just wanted to say, that hardly any income can be called passive.
Keep going man!
This is amazing content!
Thank you Saik!
Great content as always Angelo!
One topic people might find interesting though is how ETF expected performance compared to inflation. For example you mentioned you expect VWCE to give a avg return of 7%/y. How is this possible when the inflation rate is about 7/8%?
Does it mean a 7% return is totally jeopardized by the inflation? What are the effects long term?
Thank you Nicola! We're obviously still expecting positive returns after inflation. The 7% p.a. expectation is based on an environment with normal rates of inflation (eg 2% p.a.) as we've had before. I talked about why the stock market is a good protection from inflation (and some examples) here: ua-cam.com/video/PXzvP1lt32s/v-deo.html
Thank you@@AngeloColomboFi I'll rewatch that video 👍🤭
Long term inflation is not 7%, it's closer to 2-3% per year. It's just that inflation over the last 1-2 years has been exceptionally high.
Yes! You can even compare nominal returns & real returns (after inflation) on Curvo. Here's the MSCI World for example from 1979-2023:
curvo.eu/backtest/portfolio/iwda--NoIgkg6gIggiA0xRgKIAY0CEAsAZArAJoCcAHAMwICMAunUA
Nominal annual growth rate: 10.67%
Real annual growth rate: 7.60%
Thanks for this video mate, someone needed to say this
You're very welcome!
You need money to make money passively, I used to follow Mark and listened to his advice and it was good generally but lately a bit click baity, He got lucky in truth but he did put in the work and take the risks in order to be in a position to get lucky.
Personally I made my money by working hard on my own business after starting work and seeing 50 to 60 year old men still pretty broke financially and physically after working for other people all their lives, I was prepared to work hard and I did but only for 6 years so that I could properly learn the trade before I set up on my own but again I guess I got lucky in that I was at a job where I could work for myself.
However I never trusted investing and pensions so neglected that and bought a second house to rent out, did that for 10 years and realised it was actually really risky and not passive at all so sold up and now investing 50 50 stocks and short term bonds that are paying 5 to 6%, if rates come down I'll put more in stocks, if market crashes big I'll put most of it in stocks, if nothing much happens I'll leave it as is and take the income.
Main thing to take away is that there is no easy passive income unless you have already made your money, investing a bit as you earn is the best bet.
Thank you for sharing your experience & learnings Nigel!
Thanks for your analysis. At the end of the day, I wonder if passive income and early retirement/ financial freedom have similar purpose - people to ‘consume’ that idea in all ways possible whereby creators earn a bit on that common dream. Pretty much like lottery. Nothing against your life strategy and fingers crossed for your family to achieve it. But I am just worried that if too manny young people start getting financial freedom this way, this ‘spring’ will quickly dry out because top 1-2% wealthy people will start to suffer and situation would have to be corrected. Sorry for the pessimism 😊
You're very welcome! I don't see a downside in pursuing the goal itself, either way it will provide us with more freedom and flexibility :)
Ciao Angelo, so hard to find such frank & genuine youtubers nowadays...thank you for sharing your "honest" wealth of knowledge. I am putting it to good use....keep it up...
Thank you, that means a lot!
iShares Developed Markets Property Yield is an absolute trash advice, within the past 5 years the stock price increased by 0.69% (total 5 years) and dividend yield or amount doesn't make any huge increasement in the past 10 years - it ranges between 0,10-0,19 EUR all the time within past 10 years, there is no increasement tendency there - absolutely!... Rental prices within the past 10 years increased 100-300% globally so why to invest in such a thing which share price doesn't increase at all and divends are the same stuck past 10 years?
Anyway, thanks for the video and truth about "clickbaiters" - thats very true.
Vusa or ftse?
FTSE All-World for me
@@AngeloColomboFi thanks!
Hi Angelo, thanks for your great content for many years.
Years ago I used P2P, but since c19 period a lot is lost. I still trust Mintos but I stopped P2P.
I made an account on Interactive Brokers, but it is very complex.
Can you plz make a vid on how to get started investing?
- Depositing in euro I can't buy dollar stocks (don't see how to do that)
- When I try to buy a stock, it's refused. What settings do I need to set before I can buy stocks (EU and US)?
- Is it possible to spot-trade with SL and TP's?
Thank you! I show some recent clips here: ua-cam.com/video/12g12UU8oPQ/v-deo.html
- you can either exchange EUR to USD on IBKR directly or wire USD to IBKR from Revolut/Wise if you prefer. Sadly I have no experience buying stocks/ETFs in currencies other than EUR myself.
- you need to check your trading permissions, you probably didn't set the right ones
- IBKR has a ton of features, so my guess is yes, but honestly I've never looked for those functions
Great video
Thank you!
these guys are real mercenaries, they have no scruples or dignity
I'd say some are better than others, it wasn't all bad advice :)
Thank you for the useful information I watch all the channels you mentioned you hit the correct point how its not passive because you need to put lots of time into it .
In Spain revolut bank are giving 3.75% for saving not the best but better untill you figure out how you want to start investment in etf
You're very welcome! 3.75% is great, sadly I don't seem to be getting any interest on Revolut Premium in Austria, so it seems to be country specific.
yeah could be, Thank you for the great content I was lost in following stocks but after your video Im more convinced in ETF if I'm not working in fiance full time.@@AngeloColomboFi
Bravo Angelo, l’anti fuffaguro che ci serviva
Grazie Pietro!🙏
I don’t see the point in keeping cash at 2%instead of investing in an ETF that has 1.9 % dividend yield plus an upside potential.
Keep cash only for your emergency fund and if you are saving up to buy something.
And even then, a margin loan from IrKB will likely be the cheapest option anyway.
Yes, our cash reserves are simply a few months of living expenses for emergencies as well as what I need to put aside for upcoming tax & social insurance payments since I'm self employed.
I think that an important factor in suggesting of creating a UA-cam channel is the survival bias.
The fact that they become successful just means they did, most of the people who tried failed.
Yes, sadly survival bias is a major factor in many of the "passive income ideas" (dropshipping, creating an app, blog, podcast, etc.). You don't hear from all the people that invested a lot of time (and often money) and failed.
Great content without trying to sell us “stuff”
Thank you Nicolas!
Hi, nice video. May I ask you if you have any tool to manage the clusterfck of Meldefonds / Nichtmeldefonds as an investor with austrian tax citizenship, or you also stood with one of the austrian brokers (with horrible fees in comparison with IB)?
Thank you! Luckily I only own two Vanguard ETFs outside of Flatex on these brokers: ua-cam.com/video/4B05bx3pHT8/v-deo.html
Managing those in my yearly tax returns is not too bad (but still a bit annoying tbh). Scalable provides pretty good tax reports for Austrian residents now, which helps a lot: angelo.fi/sctax
Fidelity income ETF are awesome for European investors.. but not very week known!!
True, the best dividend focused ETFs all have relatively small fund sizes compared to the US
Thanks Angelo!
The type of content you cover here should be illegal imo. They are knowingly misleading ignorant people and costing them time and money they probably would be wise to spend elsewhere.
Thankfully there are still trustworthy people out there such as yourself 🤜🤛
My pleasure! 🙏
I don't think there's anything wrong with discussing side hustles, as long as you don't pretend it's just easy money, which it isn't - otherwise the opportunity would be gone in a second.
I think he is referring to the fact that a couple of them pushed hard on crypto platforms now gone burst
@@AngeloColomboFi
You are right, there is nothing wrong with discussing them. However in some cases they are blatantly lying about certain facts, for example Mark plugging the webhosting service.
Thanks again for all your efforts, and I wish you and your family all the best!
@@ciaoatutti11111111
Oh man, I've grown really skeptical over the past few years of watching financial content, crypto in particular! The first thing I ask myself when anyone makes a recommendation is what they have to gain by it.
hi Angelo. great video. My question is..Since there will be a possible drop in the market, do you think is better to invest some money in an strong ETF (FTSE, or VUAA...) now, or invest in a bank deposit with 3% p.a. (money guaranteed), for 6 months, then take this money and invest in those ETFs on the dip?
Thanks
Thank you Joao! The next drop is always around the corner, I made this video last week exactly because I often get that question: ua-cam.com/video/PXzvP1lt32s/v-deo.html
Nobody knows what will happen in the short-run in the markets, so that's for you to decide. Statistically you're better off just investing right away and staying invested long-term than wasting time constantly wondering about when the next correction is going to occur.
@@AngeloColomboFi Thank you...I know historically is better to do lump sum, but for me is a philologically battle to admit that is "better" (most of the times) than DCA...probably what I will do is DCA (greater amounts) through the next months. Thank you...keep going the great work
Hi Angelo, Great Videos.. keep them coming.Question when I buy the SXR8 ( IE00B5BMR087 ) In EUR... how is the conversion from USD performed ? ( On XETRA for example )
Thank you! It's being traded directly in EUR on XETRA (and other large European exchanges), so there is no conversion taking place. There should be basically no difference in price to the variant traded in USD (if you were to exchange USD-EUR at the market rate at the time).
Very important video, Angelo. I’m truly hopping that this vídeo gets ranked at the top of any “passive income” search on YT. I’m sure it will help many people understand what passive income really means and the discipline that it takes to achieve it 🙏🏻
Thank you Victor!🙏
was heisst side hustle übersetzt
Nebenjob
@@AngeloColomboFi danke.
I'm a real estate investor and I can tell you that this is often far from passive! But iin my mind it's still one of the best way to make money (in Australia).
Thanks for sharing! Yes, if done well and you don't mind the work and responsibilities, it can definitely be a great way to build wealth long-term
Investing in REITS is a bad idea if you care about society, because you're becoming an active part in the system that continously pushes up housing prices and makes living harder for most people.
If Peerberry and/or robocash have never had a customer lose money since years, why would you not want to invest there more?
Past performance is no guarantee of future results. P2P lending remains risky and there’s still a risk you may lose your investment in the future. Also, both platforms currently have more demand than supply resulting in severe cash drag for me, which is the main reason I am currently not investing more on these platforms.
As @Teccae mentioned, while I hope it stays that way, that's still not a guarantee that there can't be issues in the future if things change in some of their key markets. Just like with stocks (in my case ETFs), I prefer diversifying over focusing too much on a single platform or group of lending companies.
Actually the Active income is the Passive income. 😊
I'm thinking about buying in FTSE or some other ETF long term. However, I expect the market to fall within the next 12 month a lot. I do not want to time the market but buying in even at a 10% lower price is huge. What possibilities would you give for plunges within a 1-year term? My plan is to buy the average of the trough. What do you guys think?
We just had a 5,5% drop in August, and 5-10% drops are quite frequent throughout a year. The question is if it drops from a higher price then you're still worse off waiting. Why would buying 10% lower be huge for you? Are you investing a very large sum? My latest video might help: ua-cam.com/video/yOWAhL6MFF8/v-deo.html
You may not have the views they have but you have the honor they don't have.
#algoboost
#appreciateit #youretheman
only fans :D
One of your best video, Unmask a lot lot if the bullshit on UA-cam finance guru, wise and realistic words, maybe you need a scam title like “ became milionarie with these stocks” 😂 amazing video👌🏻…
Thank you, I appreciate it!🙏
Haha, does Andrei still recommend FTX 😂?
The best way to get passive income is write the next best xmas song that will be played each year. And you should get the idea for the song suddenly under the shower. Result: lot‘s of passive income with very little effort. Everything else is hard work.
You should run UA-cam ads selling this passive income hack for 2.997€ after making people watch an exclusive free webinar
watching "youtube finance channels" has really made my economy alot worse i wont follow any financial advice on youtube anymore.
Andrei and Graham are frauds though
Even though Andrei set me on track to invest in ETFs via dividend investing videos, it quickly became clear that he just makes videos on the popular topic of the day and he's given terrible advice when making his crypto videos.
Graham felt slimy the first time I saw a video and nothing I've seen and heard from and about him has changed my mind.
All the passive income guys are tricksers.Snake Oil salemen.
I never buy in to their BS.
If it was that easy to earn so much , everyone would be doing it.
Hi @AngeloColomboFi i am long time follower and i have been investing 700e monthly into VWCE. My question is should i do it still monthly or weekly or biweekly and do you have some other tipps how to optimise my investment. Ty
Monthly is plenty for that amount! Otherwise trading fees start making up too much of the investment amount (eg. 1,25€ of 350€ is 0,36%, if investing 175€/week already 0,72% etc.)