1Semana
Please subscribe to the channel of the guy from this video. You will learn a lot.
https://youtu.be/jgNWzZ0kBGQ
You should especially look for his new 3 ETF portfolio video. I think it is roughly 8 month old.
And be aware that most often your worst enemy is tax.
So if you invest into single stocks that you can't keep for 10-20+ years then later on tax will hurt you really, really bad. Because you prematurely loose money that should have stayed invested and earn profit in the next 10-20 years to come.
That's why look at that guys channel.
Also you should take a peek at $BRK.B. Basically its diversification is similar or better compared to an ETF.
Take a look at the long time performance.
https://youtu.be/jgNWzZ0kBGQ
You should especially look for his new 3 ETF portfolio video. I think it is roughly 8 month old.
And be aware that most often your worst enemy is tax.
So if you invest into single stocks that you can't keep for 10-20+ years then later on tax will hurt you really, really bad. Because you prematurely loose money that should have stayed invested and earn profit in the next 10-20 years to come.
That's why look at that guys channel.
Also you should take a peek at $BRK.B. Basically its diversification is similar or better compared to an ETF.
Take a look at the long time performance.
•
11
•
Thx @UndNun !!!!
Thanks for the contribution, we will also comment on it in some post for sure!!!
Yes, you're right, I'll take a look at the video and comment on it, every acorn is welcome here.
Thanks for the contribution, we will also comment on it in some post for sure!!!
Yes, you're right, I'll take a look at the video and comment on it, every acorn is welcome here.
•
11
•1Semana
@brokthesquirrel One curios question:
A colleague moved recently to Spain. How big is the pension gap in Spain later on?
A colleague moved recently to Spain. How big is the pension gap in Spain later on?
•
11
•@UndNun 🐿️
To get an idea of the pension situation in Spain, you only need to imagine an inverted pyramid: there are more and more people receiving pensions and fewer people able to pay for them.
Even so, I’ll talk about it in more detail tomorrow. It’s a financial topic, and why not talk about it and see what people think?
To get an idea of the pension situation in Spain, you only need to imagine an inverted pyramid: there are more and more people receiving pensions and fewer people able to pay for them.
Even so, I’ll talk about it in more detail tomorrow. It’s a financial topic, and why not talk about it and see what people think?
•
22
•1Semana
@UndNun the tax situation in germany is such that you are allowed to have 1000€ of returns on your investments every year. this can be useful, if you change your strategy and the structure of your portfolio because the 1000€ gains can directly be re-invested without paying any taxes. the key point is, that now the money is no longer classified as a “return” but as part of the money that you put in and it doesn’t need to be taxed a second time. i don’t know if this can be applied to the tax situation in spain but in germany you can thereby save up to 50k in taxes (including opportunity costs over 40 years).
I agree that $BRK.B has a diversified portfolio and that of course the risk is spread, but nevertheless it’s a company that can fail like every other. it has one specific business model that made the company successful in the past but not necessarily in the future too. you never know what happens to berkshire when warren buffet dies. it’s not about that he leaves the company as a leader and then they won’t be successful anymore. i just think that many people would then remove berkshire from there portfolio. this would be a perfect moment for you if you believe in berkshire as a company and think it will nevertheless grow, because then you can buy the stock way cheaper. from this perspective i think it’s not better diversified than an ETF or at least, the diversification does not reduce the risk significantly. i thought the same when it comes to Allianz and Munich Re which are companies that operate in re-insurance businesses world wide so their whole existence is about lowering risk and diversification. nevertheless this does not mean that the risk is equal or lower to ETFs. above-average returns normally only come with greater risks ;)
I agree that $BRK.B has a diversified portfolio and that of course the risk is spread, but nevertheless it’s a company that can fail like every other. it has one specific business model that made the company successful in the past but not necessarily in the future too. you never know what happens to berkshire when warren buffet dies. it’s not about that he leaves the company as a leader and then they won’t be successful anymore. i just think that many people would then remove berkshire from there portfolio. this would be a perfect moment for you if you believe in berkshire as a company and think it will nevertheless grow, because then you can buy the stock way cheaper. from this perspective i think it’s not better diversified than an ETF or at least, the diversification does not reduce the risk significantly. i thought the same when it comes to Allianz and Munich Re which are companies that operate in re-insurance businesses world wide so their whole existence is about lowering risk and diversification. nevertheless this does not mean that the risk is equal or lower to ETFs. above-average returns normally only come with greater risks ;)
••
1Semana
@ynnxs Instead of reinvesting dividends, it is better to use an accumulating ETF.
And regarding Berkshire Hathaway after Warren Buffet:
I assumed the same for Apple after Steven Jobs. And look how things have gone since then.
For the time being, I assume that Warren Buffet and Charlie Munger have built up or hired competent successors.
And regarding Berkshire Hathaway after Warren Buffet:
I assumed the same for Apple after Steven Jobs. And look how things have gone since then.
For the time being, I assume that Warren Buffet and Charlie Munger have built up or hired competent successors.
••
1Semana
@UndNun however, the dividends ensure a higher free cash flow in your portfolio, so that you can rebalance better or buy individual shares at low prices ;)
i didn't mean that berkshire will go down the drain after him, but in the short term the price may fall and then there will be a good opportunity to get in ^^
i didn't mean that berkshire will go down the drain after him, but in the short term the price may fall and then there will be a good opportunity to get in ^^
••
@ynnxs
Regarding Berkshire Hathaway: Could be good.
Dividends: At the moment I can still rebalance without dividends. Not later, of course. But as long as this is possible, dividends (if you want to reinvest them) have the disadvantage that you have to pay taxes on them. With accumulating ETFs, reinvestment happens automatically without paying tax.
Regarding Berkshire Hathaway: Could be good.
Dividends: At the moment I can still rebalance without dividends. Not later, of course. But as long as this is possible, dividends (if you want to reinvest them) have the disadvantage that you have to pay taxes on them. With accumulating ETFs, reinvestment happens automatically without paying tax.
•
11
•