Tekoälytyö, agenttiyhteisö ja sijoittaminen | Kari Angeria Risto Linturi | Sisäpiiri 159 https://t.co/HSHHFIRgDl
Risto Linturi ja Kari Angeria jatkavat Sisäpiirin puolella siitä, miten ihmisten ja agenttien yhteisö toimii käytännössä ja miksi osaamisen jakaminen ryhmässä https://t.co/gVsRWbqFsp
3 greseli care m-au costat bani reali cu ETF-urile. Sa nu le faci si tu.
1. CUMPARAM DISTRIBUITOARE IN LOC DE ACUMULARE
Luam VWCE? Nu. Luam VWRL cu dividende. Primeam 2% dividend, plateam 8% impozit pe loc + CASS anual. Apoi trebuia sa reinvestesc manual si mai plateam comision.
Acum doar ACUMULARE: VWCE, VUAA, etc. Nu distribuie nimic, reinvesteste automat. Zero taxe pana vinzi. Compunere pura. Diferenta de 1.5% pe an timp de 20 ani = zeci de mii de euro.
Regula: Daca esti in acumulare, vrei ACC, nu DIST.
2. CUMPARAM PE BURSA GRESITA IN EUR
Cumparam VWCE pe Xetra in EUR, dar cotatia era in USD convertit prost de broker. Spread mare, curs de schimb 0.5% la fiecare tranzactie.
Am invatat: cumpar pe bursa unde ETF-ul are lichiditate maxima. Pentru VWCE e Xetra (EUR) - ok, dar verific sa fie varianta cu volum mare. Pentru FB2A (【entity-META¦canonical_name=META】) iau Frankfurt, nu US. Economisesc 1% la fiecare intrare.
Intreaba brokerul: care e bursa de referinta cu cel mai mare volum?
3. VINDEAM LA -10%
Prima scadere de 10% la VWCE am intrat in panica. Am vandut. Apoi a recuperat +25% in 3 luni fara mine. Am invatat lectia: volatilitatea e pretul intrarii, nu defectul.
Acum: daca fundamentul nu s-a schimbat (VWCE tot 3700 companii), scaderea e reducere. Cumpar, nu vand. Planul meu: DCA lunar, indiferent de pret.
Cea mai scumpa greseala nu e sa cumperi prost. E sa vinzi din frica.
Tu care din cele 3 ai facut-o? 1, 2 sau 3? Scriu in comentarii si o detaliem.
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For now, the market is watching one number closely: $83,000. 👀
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