How do you think the market will do now that rate cuts started? 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 🇪🇺Trade Republic (ETFs, 3.5% interest): angelo.fi/trep 👉Compare ETFs: angelo.fi/comp 🇦🇹Flatex (ETFs): angelo.fi/flatex ⚡Where I Buy Bitcoin: angelo.fi/bit 💶My high-yield savings account with 1% saveback on card payments: angelo.fi/save
The stock market is more volatile than ever. recently went "all in" and bought up $150k worth of ETF's & individual stocks, my aim is to take advantage of this S&P 500 downtrend, what could be accurate predictions moving forward?
This is the exact thought process of persons handling their portfolio themselves. I will advice you engage guidance to help you make smarter portfolio decisions.
I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds. At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my CFA.
Mind if I look up your advisr please? I've worked in real estate for over 15 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now
Sure you can! Melissa Elise Robinson is the NY-based advisor I work with. Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you! 🥂 We're definitely getting closer, but our FI number has indeed increased due to our expenses going up as well over the past 12 months. We're currently spending an average of 2.060€/month as a family of 3, so our FI number now stands at 618.000€. A lot of it is an increase in non-essential expenses as we've become more relaxed as our net worth is growing. I'll talk about it in more detail soon though :)
I've been overweighting Asia through ETF CSEMAS for the last couple of years, mainly for how I hope Asia will perform in the upcoming decades. This was a good month indeed!
Question: throught the videos, you continuously say "just keep investing". I wanted to ask you in which context would you change your investment strategy.
Hi Angelo, Great video as always! May I suggest PEPP (Pan-European Personal Pension) as a topic of one of your future videos. Pros and cons and should an average european investor in the future start allocating any part of their portfolio to PEPP? Greetings from Croatia!
Thank you! Seems to be only relevant for investors from Slovakia, Czech Republic and Croatia for now based on what I was just able to find online! For that reason I don't think it would be very useful for the vast majority of people watching :/
Thanks for the great video. Could you do a video focusing on how you export your Flatex data into Portfolio Performance, and then into Getquin? I think there’s space to get a low ot views in that regard as there are not many resources for that in english. I personally invest in only 1 ETF but wanted to better visualize my portfolio with those tools as the info Flatex gives us is less than ideal.
My pleasure! Thanks for the idea. For now, under Post - Dokumente you can download all the executed orders (Kauf Fonds/Zertifikate) as PDFs and import them directly in PDF form into Portfolio Performance, which will then import all of the purchase data. You can then do a csv export from Portfolio Performance into Getquin - that's what I do with all of my brokerage accounts
No, sorry about the confusion :) I simply stopped buying additional ETH, as I'm not as convinced about it's future compared to Bitcoin, as there are many technically superior projects for its use case at the moment (eg. Solana). I'm holding on to my ETH until the end of the year and I'll then decide whether to sell or not. I talked about it two monthly updates ago: ua-cam.com/video/J-XSIANDmbI/v-deo.htmlfeature=shared&t=377
Angelo, thank you for the video! Unrelated question here, about having more than one broker: apart from having a place to move stocks in case of a broker going bankrupt (knock on wood), what are the benefits of having both say tradeRepublic and IBKR accounts, for someone investing in an single ETF available on both brokers? I understand that more sophisticated things can be done on IBKR, but the flat fee of tradeRepublic + interest on noninvested cash + cashback is kind of a interesting deal, no? I speak from the following context: I've just started investing this year, and had a certain amount saved. In that case, don't I save on fees by lumpsum investing in TR, and then setting a savings plan? I feel that I might be missing some important perk of IBKR. (I'm based in Spain).
I completely understand your reasoning for investing in all world etf. I mean, its logically sound. That said, for a while now I was pretty invested (no pun intended) in China's history, custom and most importantly - its politics and social issues. This is exactly whats preventing me from putting a cent into their economy so im staying with SPDR msci world for now. Does anyone feel the same? Man, i must be a bad investor, cant turn my emotions off sometimes 😂 Anyway, stay strong and keep on investing ٩(◕‿◕｡)۶
I've created 2 bond ETF positions, with an total allocation of approx. 15%, as rate cuts are expected to drive the price of up. Also, I was lucky enough to have some spare cash at the time of September dips, good opportunity to consolidate my FWRG holding. Time to look at some more speculative investment opportunities 😈
@@AngeloColomboFi Thanks. Also I noticed that you invest in FWRG (GBX) and not in FWRA (EUR), is there some reason/difference for this? I started investing in FWRA, since my main currency is also EUR
I also always buy it in EUR. The ETF uses the ticker FWIA on Trade Republic and FWRA on Interactive Brokers. Looks like Getquin is showing the wrong ticker for it.
Hello Angelo, Have you considered that, in an accumulation phase, a macro-area strategy, compared to an all-country world strategy, allows for accumulation in cheaper regions, thereby enhancing returns during the recovery phase?
The problem is, you don't know for sure which region is going to grow more and if things go wrong, you might end up massively underperforming the market as a whole in the end
Hey Angelo Congrats for another evidence based episode! I just wanted to ask when the acc version of Vanguards FTSE ALL world is going to reinvest the dividends? Cause the distributing version payed them out before almost 1 week. Thanks and keep going! You are amazing!
Thank you! The accumulating version reinvests dividends throughout the year, raising the ETF share value by that amount over time instead of paying it out in cash to us investors. Not sure if there are any fixed dates when that occurs like with the Distributing version.
Great video analysis Angelo! Do you think Trade Republic's 3.5% (or maybe less in the near future) will still be a good way to keep cash savings from losing value?
It really depends on inflation and interest rates. If rates were to drop below 1-2% again at some point, then your cash is definitely losing value on an ongoing basis (assuming an average inflation of 2% p.a.). Until then I find Trade Republic in its current form to be the best & safest option to earn interest on my uninvested cash without taking on investment risk.
hello Angelo , i've been watching you're video's for a while now trying to start with ETF's and started getting interested in a long term investing for Invesco FTSE All-World Acc on trade republic but i can't seem to find the ETF when searching for it. Any idea what i could be doing wrong here?
Nothing on your end, sadly it seems like it's not available for investors from all countries there :( You can either buy it on Interactive Brokers or just stick with VWCE :)
Hello Angelo! i've been investing into SWDA because i didn't know about the other FTSE from vanguard or invesco, do you suggest to change ETF or just keep going with SWDA? like you i'd like to have all countries covered
SWDA is a great ETF, so you can hold on to any shares you own already :) If you'd like to cover everything incl. Emerging Markets within one inexpensive ETF going forward, the following ETFs might be worth looking at: SPDR MSCI ACWI (0.12% TER) Invesco FTSE All-World (0.15% TER) SPDR MSCI ACWI IMI (0.17% TER) Vanguard FTSE All-World (0.22% TER)
what are your thoughts on the BRICS de-dollarization and impact it'll have on portfolios which have like VWCE in it. will they loose money as the ETF has 60% US allocation?
Meh, not something worth worrying about in my opinion. If you own VWCE, you also own stocks from BRICS, so either way you're covered long-term if there were to be a shift.
@@AngeloColomboFi Thanks for your reply. I don't know if you ever done a video on it, but i was wondering if you could give more details about how a ETF rebalance in the case of VWCE for example will work. What factors will be taken into consideration and etc. Grüße aus Luxemburg
Hey Angelo! I started buying FWRA long before you switched but I can't understand why my fee is always higher then 1.25 EUR, no matter if I buy 2k worth of FWRA or less. Tiered pricing in IBKR. I buy full shares only
Buy it as a recurring investment (what I do), that way you lock in the lowest trading fee (1.25€) instead of paying >2.5€ or so for the order via the BVME exchange.
@@AngeloColomboFi so, say i place recurring order for 1k euro worth of FWRA, this will result in buying fractional shares, but since it's recurring order comission will be 1.25 ? Did I get that right?
Yes exactly. Also, any fractional share will be worth less than 6.17€ (current ETF share price) and get "filled up" to a full share by the next fraction that is purchased next time. Just mentioning it since you seem to dislike fractions for some reason :)
@@AngeloColomboFi I was under impression that fractional shares fees are higher on IBKR, least when buying US stocks. I will keep that in mind with upcoming purchases, thanks for clarification!
I like him more than other financial analysts, so I do find his takes interesting from time to time. He has been right more often than not over the past few years. Then again, it's just another input and shouldn't really impact long-term investment decisions
How do you think the market will do now that rate cuts started?
🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr
🇪🇺Trade Republic (ETFs, 3.5% interest): angelo.fi/trep
👉Compare ETFs: angelo.fi/comp
🇦🇹Flatex (ETFs): angelo.fi/flatex
⚡Where I Buy Bitcoin: angelo.fi/bit
💶My high-yield savings account with 1% saveback on card payments: angelo.fi/save
every video ' should you keep investing?
Answer: YES
"Armagedon getting close: Party like there is no tomorrow or keep investing?"
Clearly the only right answer is to keep investing 😂
The stock market is more volatile than ever. recently went "all in" and bought up $150k worth of ETF's & individual stocks, my aim is to take advantage of this S&P 500 downtrend, what could be accurate predictions moving forward?
This is the exact thought process of persons handling their portfolio themselves. I will advice you engage guidance to help you make smarter portfolio decisions.
I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds.
At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my CFA.
Mind if I look up your advisr please? I've worked in real estate for over 15 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now
Sure you can! Melissa Elise Robinson is the NY-based advisor I work with. Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for the lead. I just searched Melissa by her full name and easily spotted her page, very professional..
No matter the current world events, I always invest. If your timeframe is 20 or 30+ years, it won't matter at all :)
Glad to see you are getting closer to you fi number, if it has not change.
Thank you! 🥂
We're definitely getting closer, but our FI number has indeed increased due to our expenses going up as well over the past 12 months. We're currently spending an average of 2.060€/month as a family of 3, so our FI number now stands at 618.000€. A lot of it is an increase in non-essential expenses as we've become more relaxed as our net worth is growing. I'll talk about it in more detail soon though :)
We spend about the same /family of 4/, in a cheaper place of living. I will be expecting your video on the topic, thanks for your detailed reply!
I've been overweighting Asia through ETF CSEMAS for the last couple of years, mainly for how I hope Asia will perform in the upcoming decades. This was a good month indeed!
Question: wait for this this or this or keep investing?
Angelo: as always keep investing 🙂
DCA and chill, whatever the market condition. Never try to time the market if you are a long investor.
Question: throught the videos, you continuously say "just keep investing". I wanted to ask you in which context would you change your investment strategy.
Thank you for the excellent content again Angelo!
Hi Angelo,
Great video as always! May I suggest PEPP (Pan-European Personal Pension) as a topic of one of your future videos. Pros and cons and should an average european investor in the future start allocating any part of their portfolio to PEPP?
Greetings from Croatia!
Thank you! Seems to be only relevant for investors from Slovakia, Czech Republic and Croatia for now based on what I was just able to find online! For that reason I don't think it would be very useful for the vast majority of people watching :/
You are right! Sorry, I thought it was more wide spread accross EU.
No worries, thank you for introducing me to it in the first place!
Always good time Angelo. Ciao ciao 👌🏻
Conclusion of this video: Just keep investing. A rally is expected in November / December, no matter the election or who will win.
Great stuff as always. It might be inyeresting to take a look at the vanguard life strategy etfs for different age groups.
Thanks for the great video. Could you do a video focusing on how you export your Flatex data into Portfolio Performance, and then into Getquin? I think there’s space to get a low ot views in that regard as there are not many resources for that in english.
I personally invest in only 1 ETF but wanted to better visualize my portfolio with those tools as the info Flatex gives us is less than ideal.
My pleasure! Thanks for the idea. For now, under Post - Dokumente you can download all the executed orders (Kauf Fonds/Zertifikate) as PDFs and import them directly in PDF form into Portfolio Performance, which will then import all of the purchase data. You can then do a csv export from Portfolio Performance into Getquin - that's what I do with all of my brokerage accounts
DCA all the way baby
we're playing the long game
don't care about the news and the increase or decrease
Just. Keep. Buying.
Hi Angelo, you do not talk anymore about Ethereum, did you sell your shares? Thanks a lot for your videos!
No, sorry about the confusion :)
I simply stopped buying additional ETH, as I'm not as convinced about it's future compared to Bitcoin, as there are many technically superior projects for its use case at the moment (eg. Solana). I'm holding on to my ETH until the end of the year and I'll then decide whether to sell or not.
I talked about it two monthly updates ago: ua-cam.com/video/J-XSIANDmbI/v-deo.htmlfeature=shared&t=377
What do you think about sites seuch as alpha spreadsheet? Are they good for intrinsic evaluation?
Angelo, thank you for the video! Unrelated question here, about having more than one broker: apart from having a place to move stocks in case of a broker going bankrupt (knock on wood), what are the benefits of having both say tradeRepublic and IBKR accounts, for someone investing in an single ETF available on both brokers? I understand that more sophisticated things can be done on IBKR, but the flat fee of tradeRepublic + interest on noninvested cash + cashback is kind of a interesting deal, no? I speak from the following context: I've just started investing this year, and had a certain amount saved. In that case, don't I save on fees by lumpsum investing in TR, and then setting a savings plan? I feel that I might be missing some important perk of IBKR. (I'm based in Spain).
I completely understand your reasoning for investing in all world etf. I mean, its logically sound. That said, for a while now I was pretty invested (no pun intended) in China's history, custom and most importantly - its politics and social issues. This is exactly whats preventing me from putting a cent into their economy so im staying with SPDR msci world for now.
Does anyone feel the same?
Man, i must be a bad investor, cant turn my emotions off sometimes 😂
Anyway, stay strong and keep on investing ٩(◕‿◕｡)۶
I've created 2 bond ETF positions, with an total allocation of approx. 15%, as rate cuts are expected to drive the price of up. Also, I was lucky enough to have some spare cash at the time of September dips, good opportunity to consolidate my FWRG holding. Time to look at some more speculative investment opportunities 😈
Hi Angelo. 😊
Have you previously explained about Tax optimizer? I see that by def it is set to FIFO in IBKR. But would like to understand this better.
No I haven't, since I didn't need it myself. I'll look into it though!
@@AngeloColomboFi Thanks. Also I noticed that you invest in FWRG (GBX) and not in FWRA (EUR), is there some reason/difference for this? I started investing in FWRA, since my main currency is also EUR
I also always buy it in EUR. The ETF uses the ticker FWIA on Trade Republic and FWRA on Interactive Brokers. Looks like Getquin is showing the wrong ticker for it.
Hello Angelo,
Have you considered that, in an accumulation phase, a macro-area strategy, compared to an all-country world strategy, allows for accumulation in cheaper regions, thereby enhancing returns during the recovery phase?
The problem is, you don't know for sure which region is going to grow more and if things go wrong, you might end up massively underperforming the market as a whole in the end
Hey Angelo Congrats for another evidence based episode! I just wanted to ask when the acc version of Vanguards FTSE ALL world is going to reinvest the dividends? Cause the distributing version payed them out before almost 1 week.
Thanks and keep going! You are amazing!
The ACC version of the FTSE ALL WORLD invests the dividends „automatically“.
Thank you! The accumulating version reinvests dividends throughout the year, raising the ETF share value by that amount over time instead of paying it out in cash to us investors. Not sure if there are any fixed dates when that occurs like with the Distributing version.
OK thank you very much. I know that it's automatically re invested inside the ETF but I couldn't find informations on when that happens
Great video analysis Angelo! Do you think Trade Republic's 3.5% (or maybe less in the near future) will still be a good way to keep cash savings from losing value?
It really depends on inflation and interest rates. If rates were to drop below 1-2% again at some point, then your cash is definitely losing value on an ongoing basis (assuming an average inflation of 2% p.a.). Until then I find Trade Republic in its current form to be the best & safest option to earn interest on my uninvested cash without taking on investment risk.
hello Angelo , i've been watching you're video's for a while now trying to start with ETF's and started getting interested in a long term investing for Invesco FTSE All-World Acc on trade republic but i can't seem to find the ETF when searching for it. Any idea what i could be doing wrong here?
Nothing on your end, sadly it seems like it's not available for investors from all countries there :(
You can either buy it on Interactive Brokers or just stick with VWCE :)
Hello Angelo! i've been investing into SWDA because i didn't know about the other FTSE from vanguard or invesco, do you suggest to change ETF or just keep going with SWDA? like you i'd like to have all countries covered
SWDA is a great ETF, so you can hold on to any shares you own already :)
If you'd like to cover everything incl. Emerging Markets within one inexpensive ETF going forward, the following ETFs might be worth looking at:
SPDR MSCI ACWI (0.12% TER)
Invesco FTSE All-World (0.15% TER)
SPDR MSCI ACWI IMI (0.17% TER)
Vanguard FTSE All-World (0.22% TER)
what are your thoughts on the BRICS de-dollarization and impact it'll have on portfolios which have like VWCE in it. will they loose money as the ETF has 60% US allocation?
Meh, not something worth worrying about in my opinion. If you own VWCE, you also own stocks from BRICS, so either way you're covered long-term if there were to be a shift.
@@AngeloColomboFi Thanks for your reply. I don't know if you ever done a video on it, but i was wondering if you could give more details about how a ETF rebalance in the case of VWCE for example will work. What factors will be taken into consideration and etc. Grüße aus Luxemburg
Hey Angelo! I started buying FWRA long before you switched but I can't understand why my fee is always higher then 1.25 EUR, no matter if I buy 2k worth of FWRA or less. Tiered pricing in IBKR. I buy full shares only
1.25 is the minimum. Depending on how much you buy it will be more
Buy it as a recurring investment (what I do), that way you lock in the lowest trading fee (1.25€) instead of paying >2.5€ or so for the order via the BVME exchange.
@@AngeloColomboFi so, say i place recurring order for 1k euro worth of FWRA, this will result in buying fractional shares, but since it's recurring order comission will be 1.25 ? Did I get that right?
Yes exactly. Also, any fractional share will be worth less than 6.17€ (current ETF share price) and get "filled up" to a full share by the next fraction that is purchased next time. Just mentioning it since you seem to dislike fractions for some reason :)
@@AngeloColomboFi I was under impression that fractional shares fees are higher on IBKR, least when buying US stocks. I will keep that in mind with upcoming purchases, thanks for clarification!
Hey Angelo where do you store your Bitcoin ?
I hold most of it offline in cold storage on a Trezor Safe 3: angelo.fi/trezor
You get save back on TR when you buy stocks too?? Can you explain how does that work?
No, saveback only when purchasing with TR card
No, only on payments using the card. Here's how it works: ua-cam.com/video/jVvBrBK53oQ/v-deo.html
Moin Moin!
I have the feeling that the escalation of the conflict in the Middle East already took care of bringing everything down.
I'd say it's a pretty small dip so far :)
@@AngeloColomboFi
Let’s hope it stays so…
Tom Lee is a joke
I like him more than other financial analysts, so I do find his takes interesting from time to time. He has been right more often than not over the past few years. Then again, it's just another input and shouldn't really impact long-term investment decisions