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223Investir em $CSPX (-1,14%) é a melhor aposta de sempre.
Bem diversificado: tecnologia, semicondutores, informação e comunicação, finanças, restauração, aviação (por incrível que pareça), entre muitos outros setores.
O único aspeto “menos bom” é o facto de só ser constituído por ativos cuja moeda é o Dollar Americano.
À parte disto, confesso que não me importo de arriscar tudo na moeda mais forte de sempre $
Que tal fazer um #dollarcostaveraging ?
Dear Community,
I have a 300k securities account with 50% shares, divided between $AAPL (+0,26%)
$ALV (-0,14%)
$AMZN (-2,39%)
$NOVO B (+5,32%) and some $VOW (-0,15%) the other 50% in ETFs, split between $CSPX (-1,14%)
$EXUS (-0,61%)
$NADQ (-1,51%) and something $DE000LS9U6W1 (-2,83%) ...
A strong US (tech) focus is desirable. Not because I believe that the USA does a lot of things right, but shareholder & shareholder value primarily have an influence on entrepreneurship in the USA, ok and the Mag7++ have a top position in other ETFs anyway.
I use the MSCI EX USA to shift the focus away from/to the USA as required.
I have built up this status quo over the last 2 years, after having a lot of individual stocks in the years before and following the "greed eats brains" strategy with some losses (see other post).
Now I would like to read your opinion or collect a few points of view, knowing that there is not THE right one. In the near future I will receive an inheritance of around 400,000 euros. Now I am torn. No, I don't really know what to do. My reflex was "keep going and split up if you're happy with the above strategy/allocation", but perhaps more asset classes could be included with this sum .... and/or more focus on crypto, or more diversification or or or or .... Or everything on GTAA , @Epi :-D hehe - What do you think?
PS: I am 58, IT manager, EFH paid for, 2 children, studies feddich. Controlled build-up with withdrawal plan start in about 5 years. Shift from 50% individual stocks to 75% ETF planned in 2025.
$CSPX (-1,14%) is this a good long-term investment for the next 30yrs with accumulation of 100€/month?? 🤔
been dropping money on it since 2024 July
best Regards and thanks for the advice
I know this might sound extreme, but it’s the truth: if you’re not investing, you’re losing money every single day. And I’m not talking about missing out on the latest “hot stock” or some get-rich-quick scheme—I mean something much bigger and more fundamental: inflation.
💸 Cash Loses Value Over Time
Think about this: How much did a coffee cost 10 years ago? What about rent, groceries, or fuel? Prices go up every single year due to inflation, meaning your money’s purchasing power is shrinking if you’re just keeping it in a bank account.
Let’s look at the numbers:
If you had €10,000 in a bank account in 2015, it could buy you much more than what the same €10,000 can buy today.
With average inflation at 2-3% per year, in a decade your money loses 20-30% of its real value.
Right now, inflation in Europe is hovering around 3%, and in previous years, it was even higher.
This means that keeping your money in cash is actually a guaranteed loss.
📈 Investing = The Best Way to Beat Inflation
So, how do you protect yourself? By investing in assets that grow over time.
Here’s why investing is essential:
✅ Stocks and ETFs have historically returned 7-10% per year, easily beating inflation.
✅ Real estate generates passive income and appreciates in value.
✅ Dividend stocks and ETFs provide cash flow, making your money work for you.
✅ Compounding means that even small investments today can turn into serious wealth in the future.
The best part? You don’t need to be an expert or have a fortune to start investing. Even €100 per month invested consistently can make a massive difference over time.
ETF Examples That Beat Inflation
If you’re new to investing, ETFs (Exchange-Traded Funds) are one of the best ways to get started. They provide diversification, lower fees, and solid long-term returns.
Here are some great ETFs that have historically outperformed inflation:
🚀 S&P 500 ETF ($SPY (-1,26%) / $VOO (-1,28%) / $CSPX (-1,14%) ) – This ETF tracks the 500 biggest U.S. companies (Apple, Microsoft, Tesla, etc.) and has returned an average of 10% per year over the last few decades.
🌍 Vanguard FTSE All-World ($VWCE (-0,92%) / $VWRL (-0,91%) ) – A global ETF that covers large and mid-sized companies worldwide. Perfect for broad diversification.
💰 iShares MSCI World ETF ($IWDA (-1,03%) ) – A strong alternative to VWCE, investing in developed markets globally.
📈 Dividend ETFs like $VYM (-0,5%) or $SPYD (+0,62%) $ – Great if you want passive income, as they pay quarterly dividends.
Real Numbers: Why Waiting Costs You Thousands
Let’s compare investing now vs. waiting 10 years:
If you invest €10,000 today, and it grows at 8% per year, in 20 years it becomes €46,600.
If you wait 10 years before investing, you’ll end up with only €21,500—less than HALF!
The difference? Not how much you invest, but how early you start.
⏳ The Biggest Mistake: Waiting Too Long
Many people say:
"I’ll start investing when I have more money."
"The stock market is too risky right now."
"I’ll wait for the perfect moment."
But the truth is: there’s never a perfect time. The most important thing is to get started and stay consistent.
Even if you only invest €50-100 per month, you’re already ahead of 90% of people who never invest at all.
🚀 Take Action Now!
If you haven’t started yet, now is the time. Inflation isn’t slowing down, and every year you wait, your cash loses value.
📌 What’s stopping you from investing?
(Follow me for more investing insights, ETF picks, and portfolio updates! 📊)
Have you heard about the current risks for the stock market? Despite the ongoing positive trend, many investors seem to be ignoring the looming dangers. Analyst Cam Hui points out that factors such as the DeepSeek crisis and tariff announcements are serious threats.
According to Hui, the latest consumer price index shows that inflation was higher than expected. This dampens hopes of interest rate cuts by the US Federal Reserve. However, the major indices, such as the Dow Jones $EXI2 (-1,03%) and the S&P 500 $CSPX (-1,14%)have fallen only minimally, while the NASDAQ Composite $FNCMX remained stable.
This ignorance on the part of investors could be problematic in the long term. It is important to keep a close eye on developments, as the stock market can turn quickly. How do you assess the current situation? Are you optimistic or do you also see risks on the horizon? 📈
Hello everyone,
I currently have the $CSPX (-1,14%) in my portfolio and I'm thinking about switching to the $SPYL (-0,72%) as the TER is more favorable. I could still do this without tax expenses as I am still at the beginning and there is still a lot of room for maneuver in the tax-free amount.
Is there anything I am overlooking that justifies staying in the $CSPX (-1,14%) other than the fund volume? Of course, the lower TER doesn't make much difference at the moment, but it could save a few euros in the future.
Ps I have a monthly savings plan on S&P 500.
Bank of America (BoA) warns that the current market, characterized by a rush of investors into growth stocks, often through passive investing, is reminiscent of past bubbles such as the "Nifty Fifty" and the dotcom era. While stocks may continue to rise in the short term, historical patterns following such bubbles point to potential future problems. This concern stems from the high concentration in the market, as evidenced by the market capitalization of U.S. stocks, which is well above historical norms compared to the rest of the world.
Do you think that the $CSPX (-1,14%) will fall in the remainder of 2025?
$CSPX (-1,14%)
$SPY (-1,26%)
$CSNDX (-1,63%)
$IWDA (-1,03%)
$ISAC (-1,03%)
$WSML (-1,32%)
found an interesting comparison, I wonder if that's the case ? 🧐🤔
I don't think so, what do you think?
Otherwise it could get pretty uncomfortable 😬
CPI 3% YoY, (Est. 2.9%)
CPI 0.5% MoM, (Est. 0.3%)
Core CPI 3.3% YoY, (Est. 3.1%)
Core CPI 0.4% MoM, (Est. 0.3%)
The monthly CPI reading in January was 0.5%, the highest since August 2023. And the monthly core increase of 0.4% is the largest since March last year.
Median CPI YoY ---> 2.9% (Prior: 2.9%)
Median CPI YoY ---> 2.9% (Prior: 2.9%)
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