3D
There is still a long way to go with this strategy.
30% GTAA
30% 3xGTAA
30% 2xSpytips
10% cash
= approx. 2,3%pM
= 7080€pM gross
= 5200€pM net
= Financial freedom today.
But I'll probably always be the Don Quixote of investment strategies. 🤷
30% GTAA
30% 3xGTAA
30% 2xSpytips
10% cash
= approx. 2,3%pM
= 7080€pM gross
= 5200€pM net
= Financial freedom today.
But I'll probably always be the Don Quixote of investment strategies. 🤷
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1111
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@Epi oder 100% S&P500
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@Epi Do you practise this yourself?
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@Epi
1) 2.3% pM corresponds to about 31% pa, which is far from reality in the long term, plus the volatility drag/ TER/ tax disadvantages/ rebalancing costs (I would be happy to provide figures)
2) How do you arrive at 1% pa, especially taking into account the last 60 years? The S&P has made just under 11% pa in the last 60 years
3) Topic USD devaluation: EURUSD has been in a 30% range for 10 years and behaves in cycles, in my opinion only plays a subordinate role in the long term
1) 2.3% pM corresponds to about 31% pa, which is far from reality in the long term, plus the volatility drag/ TER/ tax disadvantages/ rebalancing costs (I would be happy to provide figures)
2) How do you arrive at 1% pa, especially taking into account the last 60 years? The S&P has made just under 11% pa in the last 60 years
3) Topic USD devaluation: EURUSD has been in a 30% range for 10 years and behaves in cycles, in my opinion only plays a subordinate role in the long term
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55
•3D
@Ph1l1pp 1) Why is 31%pa far from reality? Far from what reality? Simons has been doing 60%pa since the mid-80s.
The performance is calculated very conservatively from the backtests, you are welcome to deduct 20% tax (GTAA runs in my tax-free pRV shell, 3xGTAA in the tax-free Wikifolio, 2xSpytips has partial exemption), then 1.85%pM = 5700€pM - that's enough.
2) The valuations also run in cycles. ShillerKGV of the S&P500 is at its maximum. Every time in the past 10 years there was hardly any return, only a lot of vola.
3) USD cycle hardly plays a role in the long term, correct. But here the FF is supposed to start in 15 years or earlier. So the cycle is definitely relevant. 🤷
The performance is calculated very conservatively from the backtests, you are welcome to deduct 20% tax (GTAA runs in my tax-free pRV shell, 3xGTAA in the tax-free Wikifolio, 2xSpytips has partial exemption), then 1.85%pM = 5700€pM - that's enough.
2) The valuations also run in cycles. ShillerKGV of the S&P500 is at its maximum. Every time in the past 10 years there was hardly any return, only a lot of vola.
3) USD cycle hardly plays a role in the long term, correct. But here the FF is supposed to start in 15 years or earlier. So the cycle is definitely relevant. 🤷
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11
•@Epi what will you do if the USD appreciates and gold falls?
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@Epi I would be interested in the backtests, especially how far back they go and what they look like taking into account all the costs listed.
If I can find the time, I would also be happy to write a script and do this myself
If I can find the time, I would also be happy to write a script and do this myself
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@Ph1l1pp didn't know you could program 🤙🏼
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@Epi Why don't you make a wikifolio for this? I would be interested.
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11
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