ETFs Struggle While Bitcoin Rallies - What's Next?
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- Опубліковано 5 лис 2023
- 🇪🇺 ETFs, bonds and 4% interest on € deposits: angelo.fi/trep
While ETFs keep dropping due to a lot of uncertainty in the stock market, Bitcoin rallies to its highest price this year and Mintos launched high-yield bonds! Let's discuss what could happen next and review how my investments in ETFs, P2P Lending and crypto performed in October. 👇 Links below!
My Favorite Brokers (ETFs & Stocks):
🇪🇺 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 Investments in P2P Lending:
📌 Mintos (50€ bonus): angelo.fi/mintos
📌 Esketit (0.5% bonus): angelo.fi/esketit
📌 Income (1% bonus): angelo.fi/income
📌 Viainvest (1% bonus): angelo.fi/viainvest
📌 Lande (1% bonus): angelo.fi/lande
📌 Robocash: angelo.fi/robocash
💰 All P2P deals & conditions: angelo.fi/all
Where I Buy Crypto (Bitcoin & Ethereum):
⚡ Bitvavo (10€ bonus): angelo.fi/bit
📈 I Track my ETFs here: angelo.fi/getq
🏠 All my investments & accounts: angelo.fi/tools
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.
How do you feel about the last two months of the year?
🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr
🇪🇺ETFs, bonds + 4% interest: angelo.fi/trep
👉Compare ETFs: angelo.fi/comp
📌Mintos (P2P): angelo.fi/min
📌Esketit (P2P): angelo.fi/esk
📌Income (P2P): angelo.fi/inc
📌Lande (P2P): angelo.fi/lande
📌Viainvest (P2P): angelo.fi/via
🏠Current P2P Deals: angelo.fi/p2p
⚡Where I buy Crypto: angelo.fi/bit
📈I Track my ETFs here: angelo.fi/getq
🇦🇹🇩🇪Germany & Austria only (ETFs): angelo.fi/atde
Great video as usual! Keep it up 👏💪💪
Thank you! 🙏
This channel is an hidden gem. Congrats man! 🇮🇹
Thank you for saying that! 🙏
Hi Angelo! It been great to watch your insightful videos here. Can you make a detailed comparison between Trade Republic, Revolut and Interactive Brokers in terms of fees when it comes to buying etfs?
Happy to hear that! This video should help: ua-cam.com/video/4B05bx3pHT8/v-deo.html
From what I read, Revolut charges a 0,12% custody fee and most likely you won't be able to transfer your shares to another broker, so it's not a good option long-term in my opinion.
Jedziemy !!
Hi Angelo, great video as always. Regarding P2P, what are your toughts on Lendermarket, I have been trying to exit as well for several weeks the pending payments keep increasing to the point I almost dont have any active loans. And what about Income? For some time know the platoform doesn't seem to be working that well either. Thank you
Thank you Miguel! My thoughts on Lendermarket are that I'm glad I started withdrawing in January, when I noticed they were clearly having liquidity issues. But I'm still upset that they're holding investor money "hostage" via pending payments, I really hope this gets resolved asap.
As I mentioned in the video Income has been struggling with loan supply lately, I'm guessing you're probably referring to the auto invest not reinvesting, right?
@@AngeloColomboFi Unfortunately I'm one of those with my money hostage, for some time I was able to withdraw every week or so but its been a few weeks (maybe months) since I was able to do it again, on top of that since the money is not invested I am not getting any interest, hopefully they get it sorted and people can get their money back. As for Income, yes, their autoinvest has been failing lately, but also they are no longer showing the interest rate you are making, I asked them about it a few weeks ago and they confirmed having a problems but they still have not fixed it, also the loans are starting to be delayed, not a good feeling on my side, I am at the moment withdrawing the money and moving it to others (Mintos, Esketit, Lande, etc).
@angelo what soft are U using for such nice graphical interpretation of your&wife portfolio?
Getquin: angelo.fi/getq
Which portfolio management tool do you use, I am struggling to find a good one
angelo.fi/getq and portfolio-performance.info/en
Hi Angelo! Thanks for the video and the information. I am also located in Austria and I have some doubts regarding the taxes. For Trade Republic, do you need to pay taxes for that 4% of return? And how do you pay taxes for the other investments like P2P? I'm new here and I am a bit lost with all these stuff. Thanks for your answer!
25% tax on savings for Angelo in austria, he has to report this himself (for example via "Formular E1kv")
Yes, as Raphael pointed out of course I need to pay taxes (25%) on the 4% interest I earn on TR via my yearly tax return. Trade Republic provides you with a tax report though once per year, which makes that quite easy.
I also have to file taxes for my earnings from P2P lending - there you have to sum up the earnings from each platform via their yearly reports and enter the total amount in your tax return as well. Sadly I can't give you any more specific tax advice.
Hi and thanks for the Great info...
Since crypto rised much more ytd than the traditional markets, do you make any rebalancing to keep the 10% allocation? Thanks.
Thank you Dominique!
Yes, I usually try to rebalance if the allocation changes significantly (eg. jumps from 10 to 25%), since this sector is so volatile.
Hi Angelo! I used mintos until ~10% of my Portfolio got stuck in Overdue across multiple lenders. It's like this for over two years and I quit mintos because of this. Ever got a sum stuck?
don't invest in mintos. It is very weird that he is promoting a platform that has proved unreliable when there are so many better options out there
@@91chaves yeah it's strange, but I know other people who did ok with it.
@@warhawk94PT Yes, but still... not a reliable platform, I would be careful
That's understandable. Yes, my recovery amount has been decreasing over time (at a slow speed though). Ever since the recovery cases (starting during Covid) I've only been focusing on the best-rated lending companies on the marketplace and I know others that have done very well by following that strategy from the beginning.
Some of what I would consider to be among the best lending companies (Eleving, Delfingroup, Iute) are only available here and I do believe that Mintos improved and learned from their mistakes.
Angelo do you and your wife have separate ETFs? I’m wondering whether my wife and I should create separate ones for tax reasons as well as ease should we god forbid split up!
And you got back me back into crypto and despite being mostly in BTC and ETH too my small investment in SOL is up 80% 😵
We have separate brokerage accounts so yes, but that's because in Austria we're each taxed individually. Yeah, happy to see my small remaining Solana bag grow a bit again as well, after dropping all the way from 230€ or so 😅
How about McDonald stocks?
I don't do single stocks (just ETFs), so I'm the wrong person to ask :)
As if finance wasn't hard enough, crypto just has to be lolrandom all the time 😅
I still wonder how you guys can resist on buying stocks. I have a big ETF depot aswell, but I had to buy the dropped stocks like BASF, Vonovia etc. up to 8% dividend with a huge turnaround chance. How can you resist those gambling things?
Why gamble if you have a big enough portfolio already? If you have the same packet in ETFs like Angelo, and maybe some more in real estate (flat, house, apartman, summer house) there is for many not really a point to do it. Just invest the way you did. No stress, but smaller returns.
why in real estate?@@torma99
I am bullish on Vonovia aswell
Nothing wrong with picking some individual stocks if that's your jam, I prefer sticking to ETFs. The 10% of my portfolio I use for "gambling" is already allocated to bitcoin & ethereum (my personal casino 😅)
“Don’t invest money you can’t afford to loose” is not an investment! And is valid for an asset like bitcoin ( is more a bet) and others particular asset. This is not valid like you know for the right ETF, totally different approach, otherwise how we can accumulate or speak of investement👌🏻…
True, I'd never say that if I was talking about ETFs, but with crypto I feel it's necessary to mention that. I treat it as a bet I can afford with 10% of my portfolio, but I don't want anyone to go all-in and potentially lose a lot of money simply because they see it has gone up quickly in a given year