My Investment Plan for 2024 (How to Prepare)
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- Опубліковано 17 гру 2023
- 🇪🇺 Best broker in Europe (ETFs): angelo.fi/ibkr
My investment strategy for 2024 and how I'm preparing for the new year!
Now that this intense year is coming to an end, I spent some time thinking about my investment plan for 2024 and my asset allocation, to (hopefully) further grow my portfolio. I'll also tell you my return predictions for the next 12 months!
Depending on your risk tolerance and goals, this video may help you get some ideas for your own investing strategy in 2024!
My Favorite Brokers (ETFs, Stocks and Bonds):
🇪🇺 Interactive Brokers: angelo.fi/ibkr
🇪🇺 Trade Republic (4% interest p.a.): angelo.fi/trep
🇩🇪🇦🇹 Easiest for Germany & Austria: angelo.fi/etfs
👉 Compare ETFs & Stocks: angelo.fi/comp
My Top 5 in P2P Lending:
📌 Esketit (0.5% bonus): angelo.fi/esketit
📌 Mintos: angelo.fi/mintos
📌 Viainvest (1% bonus): angelo.fi/viainvest
📌 Income (1% bonus): angelo.fi/income
📌 Lande (1% bonus): angelo.fi/lande
💰 All P2P deals & conditions: angelo.fi/all
Where I Buy Bitcoin & Ethereum:
⚡ Bitvavo (10€ bonus): angelo.fi/bit
I Hold My Emergency Fund (Cash) Here:
🇪🇺 4% interest p.a. (€100K deposit guarantee!): angelo.fi/save
📈 What I Use to Track my ETFs: angelo.fi/getq
🏠 All my investments & accounts: angelo.fi/tools
Video mentions:
📌 Vanguard FTSE All-World ETF Acc. (VWCE)
📌 WisdomTree Physical Bitcoin ETN (ISIN: GB00BJYDH287, Ticker: BTCW)
📌 CoinShares Physical Ethereum ETN (ISIN: GB00BLD4ZM24, Ticker: ETHE)
📌 Ledger Hardware Wallet: angelo.fi/ledger
🎥 The Best World ETF To Hold Forever: • The Best World ETF To ...
🎥 ETF Investing Playlist: • ETF Investing in Europe
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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.
How are you investing in 2024?
🇪🇺Trade Republic (ETFs + 4% Interest): angelo.fi/tr
🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr
👉Compare ETFs: angelo.fi/comp
📌Esketit (P2P): angelo.fi/esk
📌Mintos (P2P): angelo.fi/min
📌Viainvest (P2P): angelo.fi/via
📌Income (P2P): angelo.fi/inc
📌Lande (P2P): angelo.fi/lande
⚡Bitvavo (Crypto): angelo.fi/bit
📈I Track My ETFs Here: angelo.fi/getq
Thanks, Angelo as always for sharing your opinion!
Thank you for sharing these amazing tips!
Truly loving your videos and the channel!
Wish you to succeed with your plan, Angelo! Thank you for a nice and clear video.
I truly appreciate your transparency and the fact that you share your experience. Excellent video.
Thanks for the video! 😄
Great video as always!
Great video! I'll be following a similar strategy
i highly appreciate you emphasising people be careful when it comes to the more risky investing methods
Thanks for video.
Thank you 👍👍.
I like your information a lot thank you
thank you😊
The cat in the background is amazing
💪
Thank you a lot Angelo for sharing with us your strategy !
Hi Angelo, huge fan of your videos! A question - do you pay taxes on the interest rate you gain from Trade Republic?
Hey Angelo Colombo! 👋 Really enjoying your content! 🚀 Could you please make a video breaking down the top European ETFs for defense, technology, and healthcare? 🌐💡 I'm super interested in investing in these sectors and would love your insights! Keep up the fantastic work! 🔥📈
Hey Angelo, do you have an opinion on factor based etfs? Unfortunately the EU selection is poor at the moment.
Another great video! I'm taking the plunge with DeGiro. Strange thing is that I can't seem to find any Vanguard related ETFs. I see you find them without issues. Did you have to enable complex investment products or something similar to make them visible?
Thank you! Degiro blocked a lot of ETFs for investors from non-English speaking countries due to how poorly they implemented the new KIID regulation this year. You can find them without any issues on Interactive Brokers, Trade Republic or Scalable though: ua-cam.com/video/4B05bx3pHT8/v-deo.html
Hi Angelo. Thanks for this video. Trade Republic isn't available in Norway. Could you recommend an alternative for similar savings? Thanks.
Sure, this video should help: ua-cam.com/video/L7uQrC243jc/v-deo.html
Hi Angelo - thanks for the great videos! What is your reason for using Trade Republik when IBKR is also offering around 4% interest on USD Cash balances? Thanks
My pleasure Anthony! It's not as simple, I mentioned how interest on IBKR works here: ua-cam.com/video/L7uQrC243jc/v-deo.html
Also, my home currency is € so that's what I care about most, especially when it comes to my emergency fund
We are ending 2023 as a very strong year, hope the upcoming 2024 will be even better 😊
Hope so too! 🙏
Complimenti Angelo! Mi piace molto la tua filosofia sui investimenti, tanto che da gennaio (per ottimizzare la tasssazione) vorrei iniziare anche io a investire. Per ora posso permettermi 100 euro al mese, che sono perfetti per l’acquisto del VWCE. Avrei una proposta, potresti fare un video su come ottimizzare il pac? Magari facendo un confronto con lo Smart pac, DCA e Value Investing? Complimenti per i contenuti e per l’inglese molto semplice e piacevole da ascoltare
Happy holidays, Angelo! Do you have any recommendations for companies that offer interest similar to Trade Republic but operate in more countries? I am located in Bulgaria and unfortunately TR doesn`t operate here. Regards!
Happy holidays! It seems like Trading212 is planning to pay 4% starting from Jan 11th as well: angelo.fi/t212
It's most likely only protected up to €20K though, so just keep that in mind. Otherwise I discussed some other options here: ua-cam.com/video/L7uQrC243jc/v-deo.html
Hey, Angelo. Thank you for your videos, i following you for quite some time (2 years i guess ) and always find your videos honest and trustworthy. However i have question that i cannot clarify and i have hope that you could. If we invest in any kind of fund, and the fund goes down, and we want to sell it. Is the company that manages the fund obligated to buy your share or not ? If so, we can just sell it in Degiro, i guess. Or in another way, we just have to wait for investor whiling to buy to match or order, paying maintenance of the fund, of the account and so on ?
All the best, a great Christmas and new year. :)
We as investors fully own the stocks within the fund, not the fund provider. Thus the assets are fully protected even in case of bankruptcy. If the fund provider goes bankrupt or closes the fund, the fund is liquidated (stocks sold) and we as investors get our share value paid in cash to our account.
Ciao Angelo, bellissimi i tuoi video. Sai consigliare una piattaforma di p2p landing in Italia?
Grazie! Sadly no, I don't have any experience with Italian platforms
Thank you for this useful video! :)
Since you mentioned hardware (cold) wallet, do you know if moving funds from an exchange to a cold wallet is a taxable event? And also if you return them after to the exchange to sell them, how will they know your purchase price and if those are the same coins?
My pleasure! No, simply moving funds is not a taxable event. That's for you to track (you have transactions that can clearly be seen on the blockchain), so that you can prove it if requested by your local tax authorities.
Thanks Angelo, how often do you DCA into the VWCE, daily, weekly or monthly?
At the start of each month and then a few more buys at random times throughout the month depending on my income (I'm self-employed, so it fluctuates).
What happened to the "gently" tap the like button. Don't lose the gently please.
Love your channel.
One question. I'm starting 2024 investing monthly in ETFs. Which broker do you recommend at the moment for that? IB or trade republic?
Thank you. And happy holidays from Portugal!!
Haha, I'll make sure to bring it back next time! My number one is still Interactive Brokers, due to its long history and strong financial position, but Trade Republic comes right after.
Since you can always transfer shares between the two later on, I'd say Trade Republic if you're planning on regularly investing amounts smaller than 500€ due to its commission-free recurring investments, and IB if you're investing 500€ or more each time (because of its 1.25€ minimum fee using the tiered pricing model). Happy holidays to you as well from Austria! 🥂
Hi Angelo,
Do you have any tips for filing taxes from capital gains incurred from sale of stocks in Austria? Do you do it on your own or seek the help of an advisor?
I file taxes on my own - depending on the broker you use, you should be able to get a yearly tax report which should help with that. Stocks are pretty straight-forward, ETFs are a bit more complicated, but brokers like Trade Republic and Scalable Capital take that into account in their reports.
dont you have money in recovery in any on the p2p investment?
Hi, I would like to know why you invest in the VWCE at Interactive brokers instead of Trade Republic, is there any difference in favor at IB? I have both accounts open and don't know which one to decide on for a DCA strategy.
I am writing to you from Spain.
Thanks for your videos. It is unbeatable.
I buy VWCE on both brokers pretty much every month - at 9:42 in the video you can see I bought more shares on Trade Republic on Nov. 29 :)
If you're investing smaller amounts on a regular basis (eg. less than 500€ each time), then the commission-free recurring investments on Trade Republic likely make more sense. Luckily you can always transfer shares between the two (for free) later on anyway
@@AngeloColomboFi Great question and great reply. Thanx!!!! I was thinking exactly about that. I have my Wise account, but I will probably go to Trade Republic now that they've become a bank (better interest for positive bank balance, no withheld tax) and start investing to VWCE from there.
Ciao Angelo! Faresti un video di comparazione tra VWCE e V3AA per noi europei!?
I'm not a fan of ESG filtered ETFs like V3AA, I don't like arbitrary exclusions of stocks, I want to buy the entire market. There's a reason why these aren't popular (at all) in the US.
Hi Angelo, do you know how often interest is being compounded on flatex sparplan if I set up monthly sparplan for VWCE?
VWCE is not an interest product, you're getting the returns >3.600 stocks produce (different every year) plus paid out dividends that are automatically reinvested by the ETF into more shares of those stocks, raising VWCE share value by that same amount.
It is a good video. Do you think to revise your 2023 prediction video as well?
Thank you! What do you mean by revise? I'll refer to it soon, to see how close or off I was with my predictions at the start of 2023 :)
@@AngeloColomboFi Revise from British: "reread work done previously to improve one's knowledge of a subject, typically to prepare for an examination." Most of the people creating content like yours tend to avoid revising their predictions but only giving new ones. Glad to read that you are aiming for being different. Happy Holidays.
Angelo thank you for sharing your strategy. We will continue to stay the course with the same strategy as per 2023: 45%VWCE + 15% small cap value + 25% EU Bond + 5% Gold + 10% cash
Sounds like you put a lot of thought into your strategy, thanks for sharing yours as well!
why 10% in cash? are in income phase?
@@MartinVit-dc7eh to be ready with reinforcement in case the market goes South
I have a question about this also.
If I put money on trade republic will I be charged german taxes and then portuguese taxes also?
No, as a Portuguese resident you won't be charged any taxes - you'll have to take care of those yourself using the yearly tax reports you get from Trade Republic
Hello from Spain! Thank you for another great video! As a European with limited public safety nets relative to US peers, how do you think about broker safety? Is it worth diversifying across several brokers?
Since our assets are fully segregated from the broker and thus safe in case of bankruptcy (no matter if it's 10K, 100K or 1M), that should never be necessary if you're using well-known, strictly regulated brokers like IB, Trade Republic and Scalable. But it's really a personal preference, so if it makes you sleep better at night, I don't see a downside to opening another free brokerage account. These are my favorites and why: ua-cam.com/video/4B05bx3pHT8/v-deo.html
Hi Angelo, so you can use trade republic much like a bank but with better interest?
I'm just looking into this and it seem like that is the case after 6th of Dec 2023. Before that date, they were not a bank and the interest were considered capital gains (at least in my country) and taxed as such, where as now those 4% are interest on positive bank balance.
Hi Angelo,
I saw people are having issues withdrawing from trade republic. Long withdrawals and poor customer support. What are your thoughts and experiences from others as well. Thank you a lot!
I've had zero issues, just did another withdrawal yesterday which arrived the same evening. Neither have friends and family members, all of which moved their cash there since they introduced the 4% rate
This year I started with IB with one ETF. I want to see the taxes I'll have to pay for it. Do you still recommend me Trade republic if I'm resident of the NL? Do you transfer the money from there to your bank in Austria or how does it work. Thanks for your videos I'm a big fan 😊
Both IB and Trade Republic are excellent (my two favorites), so I don't see why that should be different if you're based in NL :)
Yes, you can just do free € SEPA transfers to and from IB/TR to your bank (and vice versa). Happy to hear that!
Hi Angelo I have a question for you: what's your strategy in case of recession? You sell your position at a loss only to wait for the crash and buy more of the same ETF? Or just hold on to your position? Because a crash could give a good opportunity to own more of the same ETF with less money and wait for a market correction that will eventually come. I would like your input on this matter.
Sounds easy enough, but you're trying to time the market, which won't work. The "next recession" is always around the corner. I just keep buying on a monthly basis - sometimes lower, sometimes higher, doesn't matter to me long-term.
Hi Angelo. Great video! Quick question for you or whoever can answer. I am trying to decide whether to invest in currency hedged ETFs (EUR-USD) or not? What are your thoughts on them? Is the fee worthed for long-term investments?
Thank you! Not worth it in my opinion when you're investing globally
Great video again Angelo. I have a question. How long does it take you to withdraw money from your emergency fund in Trade Republic and have it ready in your bank account?
In my experience, it usually takes 1-2 business days for a withdrawal from Trade Republic to arrive in my bank account.
@@Teccae thank you!
Yes, same here. Usually arrives the next business day or the day after for me as well.
@@AngeloColomboFi cheers guys
Ciao Angelo,
quale broker usi per le cripto?
Grazie !!!
Bitvavo: angelo.fi/bit
Are there some ETFs that are focused on the tech market? If so do a video about them... Keep up with the good work🎉🎉🎉
Sure, the MSCI World Information Technology or even a the NASDAQ100 could be an option: www.justetf.com/en/search.html?search=ETFS&assetClass=class-equity§or=Technology
Just keep in mind, world ETFs already have a large allocation to tech stocks, so you'll profit either way if they do well.
Hi Angelo, small question, I want to buy ETF Vanguard FTSE All-World ETF (VWCE) but when I but this in search in DeGiro I have few type to choose XET, TDG, LSE, EAM and MIL , I living in Nederland and want to play long term of buying this assets what should buy of version of this ETF?
XETRA (XET) seems to be the best (least expensive) option for that ETF: www.degiro.nl/tarieven/etf-kernselectie
Hey Angelo. I have a question for you. What is an alternative for "ftse all world" on interactive brokers? So an etf that tracks roughly the same companies but for the european region, since the european regulation doesn't allow buying an american etf? Been trying to find one, but without success. Would appreciate the help.
Since I'm based in Austria myself, I always talk about Europe-based ETFs exclusively :) VWCE (Vanguard FTSE All-World Acc.) is domiciled in Ireland, therefore you can buy it as a European. Here are some more great 1-ETF solutions: ua-cam.com/video/ysyJh7DOex4/v-deo.html
Thanks mate, appreciate the help.@@AngeloColomboFi
Angelo do u use all these p2p platforms to be diversified on the p2p ( in case a platform goes broke ) if not , why exactly ? Thank u
Yes, I like to diversify over lending companies, countries and platforms just in case
Hey, whats your opinion about SXR8 for 2024?
It's the S&P 500, which will likely do well if the market as a whole goes up and vice versa
hi, what is the software that you use to track your investments?
angelo.fi/getq and portfolio-performance.info/en
Hi Angelo, could you please tell me if investing in ETFs, specifically VWCE, will cover the inflation rate?
It sure has so far, you can see nominal vs. real returns here: curvo.eu/backtest/en/portfolio/vwce--NoIgag6gwgoiA0xQEkYAY0CEDSBWTAigCoAcaCAjALo1A#impact-of-inflation
Are you exiting Robocash? Happy new year!
Happy new year! No, I'm keeping my investment, just not planning to grow it at the current interest rates
Where would you "park" a sum of money, eg, after selling a house, to use it in 4-5 years?
If I needed to access it in full in 4-5 years, I would probably pick some of these options: ua-cam.com/video/L7uQrC243jc/v-deo.html
Hello can you do early and late trading in the us with interactive brokers?
Seems like it should be possible for US stocks: www.investopedia.com/interactive-brokers-expands-after-hours-trading-7565335
Hello. I want to invest in ETFs, however I have some doubts. I've seen that you advise 1 of these ETFs, the Vanguard FTSE All-World UCITS ETF (VWCE) or the SPDR MSCI ACWI (IMIE). My question is, is just one of these enough? They have different participation unit values, meaning their cost per "share" is different due to their evolution. Does this have any influence on profitability values? If you invest €1000 in both and they have the same return of 10%? Does it have any influence?
Yes, either of them is a great way to invest into thousands of stocks across the world. They're likely to perform very close to each other. Their individual cost per share doesn't mean anything.
I loved your videos and content and wanted to start. But Im discouraged due to tax implications here in Ireland, which is 41% something. 😢
Yeah, I hope they change that ridiculous tax soon in Ireland! Even still, it's better to have profits you need to pay taxes on than not invest at all and lose out against inflation long-term.
@@AngeloColomboFi Thank you. I think I need to adjust to that mindset.
how much crypto part grew so you cut it to 10%? Im not sure should I lower btc allocation as it growed to 15% or jus wait till portfolio grow and allocation gets back to 10%
It has grown all the way to ~20% this year due to its strong performance, so I'm working on scaling out a bit (to get closer to my 10% target) by the end of the year, so that I'm not over-exposed compared to the rest of my investments. I can't give you the right answer sadly, it's really up to your personal risk tolerance and what you feel the most comfortable with. But you could of course just add money to your other investments in order to get its percentage share down as well.
Hi Angelo! Great video like always! So you always trying to keep your Crypto around 10%? In this case if its goes up then you sell a little bit and invest in VWCE to keep that 80-10-10 balance?
Hi Angelo, Is your mintos referral still active? Do we still get 50 eur upon sing-up?
Sadly no, I believe they stopped that promo a few months ago :/
Does anyone know which broker( xtb or interactive brokers) is better in terms of long time investing in etfs?
Definitely IB in my opinion: angelo.fi/ibkr
Not only due to their long history and financial strength, but they also don't try to drive users to trade leveraged products or CFDs.
Hi Angelo! I have a question. Do accumulative etfs require any tax payments if i just keep the money in there and keep investing without withdrawing? Or how does it work?
In most European countries no, but it depends on the tax laws where you live
@@AngeloColomboFi ahh thank you very much! Your videos inspired me to start investing at a young age so that the money can compound overtime. I absolutely love your content!
Hearing that makes me very happy, thank you for letting me know!
Thanks for sharing, I think I would go with the similar approach if I were in another situation, but I took too much loans this year so probably I will go into paying it back, it will give me a certain percentage without any taxes on it 😀 maybe I will add some money to the etf on the retirement account, but will see what the year would bring.
Paying back loans first makes sense, the interest rate and any fees you would otherwise have to pay on those is basically a guaranteed "return" on your money. Not to forget the psychological impact of being in debt
you said you would pay a fixed amount into your etf every month AND when you have money left over from your salary. does that mean you pay in one-off investments from time to time outside the savings plan? Does that make sense, since there are fees involved?
Yes, exactly. In my case it does, I tend not to invest less than 1.000€ each time and the fees are very low (1,25€ on IBKR and 1€ on Trade Republic)
@@AngeloColomboFi thanks for the answer. Fair point that 1€ is quite a low fee for a thousand euros investment, but as my one-off invests are wayy below that i guess it's better to just temporarily raise my monthly saving plan (since it's free on trade republic)
what is the msci world etf, when searching it I get a lot of etf none with that name
This video should help: ua-cam.com/video/ysyJh7DOex4/v-deo.html
The ticker symbols to find the ETFs on brokers are in the video description there as well.
Hi Angelo, I'm a huge fan of your videos and they've inspired me to begin investing in VWCE using interactive brokers. I have one remaining question: as a European investor dealing in EUR, what's the best method to deposit funds into interactive brokers without incurring any deposit fees? If I opt for Bank Transfer/SEPA through my Portuguese bank, I'll be charged 1.3€ per transfer. Do you have any suggestions? Thanks a lot and keep up the amazing work! 😄
Hearing that makes me very happy, thank you! Oh wow, really? I thought it was illegal for banks in Europe to charge fees for SEPA transfers within the EU. Do you pay the same fees sending money to Revolut for example? If not, you could send the money there first and then to IB
Just a hint, be sure you're paying taxes correctly. I'm not sure if you have the same system in Portugal where Portuguese brokers do the taxes for you, but Interactive Brokers definitely doesn't, and if it's anything like Germany or Austria, ETF taxes aren't that easy.
@@simonp6339 exactly. Unfortunately I wouldn't want to use IB due to this taxation, since if I'm using one of the brokers that has legal entity here I'm paying less taxes (3%) after X yrs of hold. Otherwise I'm paying the full amount no matter what.
@AngeloColomboFi On the other hand, I'm paying SEPA fees too, but AFAIK (from my bank) it's illegal to be too EXPENSIVE, so definitely there is a cap, but it's not 0.
Abre conta na Moey ou no Activobank e já não pagas nada pelas transferências.
Im seeing you can open an acciunt in trade republic if you are based in Germany, you are in Austria, so how its possible?
They're available in 17 European countries :)
@@AngeloColomboFi thank you, I figured it out, pitty it's not Switzerland ...
True. Sadly they seem to only have countries with € as home currency on board for now, I hope they'll keep expanding!
Love your vids been investing each month because of you. I do have one question are there any costs when putting down money on trade republik? Or can you just put money there and at the end of the year you get your 4% ?
Thanks for the vids !!
Happy to hear that! :)
No, there are no deposit or withdrawal fees, just make sure you always deposit via bank transfer (not credit card or Google/Apple Pay).
How to transfer via bank. What is the proces ?
Click on Transfer - Add - Bank transfer and you'll see the IBAN/BIC for your account
Should I go to a bank with that iban and gave them money so they can transfer it to my account, or can I do it online?
@@yugoslavianrock You can most likely just send the payment through your online banking environment, but you should probably contact your bank if you're not sure. I can send it through my online banking environment without any issues, but this may of course vary depending on your country and bank.
Thanks for the video. Will your strategy be to invest in the VWCE ETF until you have the "desired amount" and then close that position and transfer the amount to a distributive ETF to live with "passive income" ?
this makes no sense regarding taxes.
You're welcome! No, as mentioned in the video our ideal holding period is forever - we're only selling whatever amount we need to cover our living expenses. There is no need or benefit in switching to a distributing ETF: ua-cam.com/video/b_TXq9H8prQ/v-deo.htmlfeature=shared&t=433
Hi Angelo,
I was wondering if you had some time to answer the following question:
Why do you only keep a small part of your portfolio into P2P lending? They seem to give good solid returns with a relative low risk amount (to my feeling, i am a beginner when it comes to investing). Keeping in mind the average growth of ETF's, P2P comes close or is even equal?
Thank you
P2P Lending is NOT low risk. You'll never get >10% returns p.a. without taking on significant risk. You can find out a bit more here: ua-cam.com/video/WpL7a_2DnHE/v-deo.html
They're also less tax-efficient compared to ETFs, since the entire return is made up of interest earnings, which always have to be taxed in full that same year vs. having returns compound in ETFs until you sell.
Okay great! Thank you for the quick and extensive answer! Appreciate it
i am just building my portfolio from ETFs, i need a help. my first is SPDR MSCI ACWII IMI, but nex thoughts are : global x nasdaq 100, jpmorgan global equity, vanguard all world high dividend, spdr dlobal dividend, fidelity global quality, and thinking aboutsome reit etf, industrial etf, clean energy etf, qtum ai and quantum computing, military etf, pan asian dividend etf, and want to look at brazil or india etf. basic materials etf. maybe some small percentage on crypto. most expensive are military and high dividends etf 0,4-0,7. can you help me if my thoughts are good or i am overthinking diversification.
You just need the Spdr ACWI with the Fidelity global quality for cash flow
@@TheBigShort11 so should i ditch the idea of more than 2 etf portfolio?
The SPDR MSCI ACWI IMI already includes all the stocks from the ETFs you mentioned after and I think you'd regret over-complicating your portfolio later on. Chances are, you're just wasting money on higher fees and you'll end up with lower returns compared to just buying a single low-cost ETF or two.
thanks for the advice. @@AngeloColomboFi
@@AngeloColomboFi should i change for cheeper option than fidelity like whyg for example? And a question about covered call etfs would you rekomend them? Jepi puting 10 of portfolio into them?
Hi Angelo, I'm a huge fan of your videos and they've inspired me to begin investing using interactive brokers. I have one question: aren't you afraid to hold that much money on interactive brokers?
I am just starting to invest, but thinking of holding over 100k euros on a online broker seems kinda unsafe? Or am I wrong? :D
Protection is only for the money in the account. The money invested does not count. But if the broker goes bankrupt, your shares will be transferred to another broker of your choice because the shares are your property.
Still no bond ? ☺️
Too young for bonds
I only have one 500€ bond that runs out in January: ua-cam.com/video/kjof8klveqc/v-deo.html
Other than that no, I prefer the 4% Trade Republic pays on our cash directly
We are entering an era where all currencies will be backed by commodities such as gold, silver, real estate, etc. I'm eagerly seeking out what assets are perfect to acquire as of now, my goal is to invest long term for capital gains and I've set asides $250k to achieve this.
I find the 50/50 in Ethereum and Bitcoin not good honestly. Bitcoin is the "true" Value keeper, Ethereum isnt. 50% ETH for me is too high, I go 80/20 BTC and ETH.
Thanks for sharing your point of view! Nothing wrong with your approach either - I agree that ETH is probably the riskier one among the two, we'll see if my 50:50 split pays off or not.
I agree, Bitcoin is the only truly decentralized cryptocurrency. Ethereum is just a fancy database under central control (foundation, those with the highest stakes, etc), you don't need the blockchain for a centralized database. The only reason Ethereum is worth something for a while is because it's used for shitcoins (which will be worth nothing in the longterm) and fast transactions, but for fast transactions, Bitcoin now has the Lightning network. But that's a decision everyone has to make for themselves. In the short term, Ethereum might remain popular.
Dude, you‘re way underperformed! Sp500 ytd is close to 25%, nasdaq is 44%, if you’re not getting at least 25%, you chose a wrong etf.
If you're only comparing yourself to one country then sure, but since I value diversification and not putting all eggs in one (country) basket, I didn't underperform. I got exactly what the global stock market returned in 2023. In €, the S&P 500 is about 4% ahead of the FTSE All-World in 2023 (22 vs. 18%), so what? Last year the S&P 500 was down slightly more as well in comparison.
@@AngeloColomboFi it‘s more like 5% difference (if you compared vanguard to vanguard etf), which is alot in compounding accumulation world (in 10 years the compounding diff. Would be closed to 100%). 2022, they both lost around 13%. So it’s similar bad performance in down market. 55%+ of Ftse all world is basically sp500 anyway. So it has huge exposure and also risk of sp500. In the last decades since ww2, sp500 is the leading index. So why don‘t chose the clear winner. Btw, companies listed in sp500 mostly operate globally and leading their industries worldwide.
To each their own, I prefer a different, globally diversified approach. You should keep doing whatever you think is best :)
oh you and the capital of Sri Lanka has the same name lol
Yeah I know, we definitely have to go check it out at some point 😅
Do you need to pay a tax on that 4% you get on TradeRepublic? @angelo
Yup, I believe the 4% is pretax, but still one of the best euro savings rates
Yes, Trade Republic will only take care of taxes for you if you're based in Germany
Bbva