Investing

I invest in stocks/ETFs (VTI & VXUS) using Interactive Brokers & Trading212.

Bogleheads' Guide to Investing Book is great intro. Polygon.io seems to have nice APIs for getting financial market data. Value investing seems hard to do thus I don't do much stock picking and focus on ETFs with historically good returns. Time in the market beats timing the market.

Interesting ETFs

VT - Vanguard Total World Stock Index Fund.
VTI - Vanguard Total Stock Market ETF.
VOO - Vanguard S&P 500 ETF. (Reddit)
VXUS - Vanguard Total Intl Stock Idx Fund.
VWCE - Vanguard FTSE All-World UCITS ETF USD Accumulation. (Reddit)
VBILX - Vanguard Intermediate-Term Bond Index Fund.
VTSAX - Vanguard Total Stock Market Index Fund Admiral.
VTWAX - Vanguard Total World Stock Index Fund Admiral.
VASGX - Vanguard LifeStrategy Growth Fund Investor.
VWINX - Vanguard Wellesley Income Fund Investor.
S&P 500 - Tracking the performance of 500 large companies listed on stock exchanges in the United States.
List of some

Notes

Don't try to time the market. Time in the market is better than timing the market.
If you want the theoretically highest return then get in immediately, because the only guaranteed way to on average increase your return is to be in the market for a longer period of time. If you're worried about volatility then accumulate your position over a week or a month at a set rate.
ISA investing is tax-free. Can use Vanguard for it.
Welcome high-profile failures.
Volatility of the markets: Personally, I give it absolutely no respect at all. I do not give a shit about the world, news, politics, economy, COVID, all time highs, all time lows, V shape recovery, W shape recovery, wars, recessions, etc.
- Those things have absolutely no impact on how I invest. I am boring and I really don’t give a shit. As such, I’ll keep investing half of my pay every pay until I retire/die as my job is stable with high job security, I have a solid emergency fund that can cover 6 months worth of living expenses, I have no debt, and I have no expensive tastes/hobbies.
- Finally, I actually look forward to and hope for recessions and market crashes because I am a super long term investor. This allows me to buy more shit and reach my own financial goals quicker and I don’t care how greedy and/or selfish that sounds. I’m investing for me, my family, and future unborn generations.
Invest in Index Funds every month and invest more when there is a market crash and recession.
Think like an investor and not a trader, one should aim to learn to think like a business man. That means thinking about customer value, customer experience, demographic changes and consumer behavior.
- Your portfolio as the literal portfolio of an active owner of multiple businesses. Since you can’t influence management, the point is not to kid yourself that you can do a better job than world class management. You’re just learning to spot them and attach your capital to their knowledge and skills. It also makes the hobby more fun, as you learn what good solutions to problems look like.
QQQ index has nice returns
Don’t chase companies. Don’t move money to ride the hot company that month. Do your research, plan, and then wait. Check your evaluation and then execute.
In a company, you have a board and you have shareholders. If you don't want the mould of a public company, you create or keep it as a private company. In a private company, you can do any of these employee stock options or buybacks or long term things, much as you can do with a public company, if you wanted to. The board and the shareholders have a similar sort of dynamic in both, but I would say the board of a private company invites less scrutiny, or at least less fully public scrutiny.
Historically accounts that trade more often do poorly. There are a variety of reasons for this, some of which might no longer apply with "zero cost" brokerage accounts. (I say zero cost, since some, like Robinhood sell their order stream). Ignoring the zero cost brokerage there are still costs with taxes. It also starts to get into market timing, which is very difficult to do. By holding onto a stock for the long term, owners are less likely to over react emotionally to good or bad news, allowing it to cloud their judgement. That having been said, if tomorrow you learn the stock has a serious, fundamental problem that effects it's core business, then selling it is a reasonable strategy. I believe this is the reason why Buffett dumped his holdings in the airline industry in March. It has since bounced back in price, but the fundamental issues of lower passengers remain, and likely will continue to remain for several years.
The line separating investment and speculation, which is never bright and clear, becomes blurred still further when most market participants have recently enjoyed triumphs. Nothing sedates rationality like large doses of effortless money.
The stock market is not the economy. The stock market consists disproportionately of medium and large companies. Different companies also depend on different markets, countries and supply chains.
Just because a company is in an exciting industry doesn’t mean it’s a good investment. This is also a important thing to remember when investing in EV stocks.
The problem with buying things that you don't know how to value, is you don't know when to sell until it's too late.
If total market index funds aren't a good investment over the next 30 years, then stock picking is likely to be even worse.
Short term market trends are less affected by earnings and more by market sentiment. Consistent earnings will make the price rise in the long run but stocks always go through highs and lows.
Social media has permanently changed investor behavior in ways many professional investors haven't yet come to terms with.
VTWAX fund seems good
One of the best times to buy a stock is when a good company sells off on earnings due to investor overreaction. It requires a bit of digging and judgment to determine whether the selloff was justified or an overreaction, but it can be very profitable.
You don’t get wealthy from “taking profit” every chance you get. You get wealthy by finding long term profitable companies that you buy in to and hold for years.
Wealthiest 10% of Americans own a record 89% of all U.S. stocks. Remember this next time a politician tries to point to the stock market as a sign of economic health.
Always buy into a project and it’s fundamentals, ecosystem, growth potential. If the price goes up or down is irrelevant.
Wall Street investing firms spend billions of dollars to decrease the latency between their computer systems by microseconds. The shorter the cables, the quicker they can make trades and squeeze money out of the market. That’s what you’re up against as an individual investor. You will not beat their teams of PhDs with state of the art equipment and algorithms. It’s best to buy the entire market and take your average returns.
Can liquidate gains from investing by moving tax free jurisdiction for 6 months and becoming fiscal resident there. Belgium has no capital gain tax if you can show that you weren't actively trading. Dubai is another option. Once you get the paper that you're a fiscal resident, sell your coins/stocks. You won't have to pay any tax. Open a brokerage account and invest that money in index funds (ETFs). You can then safely withdraw about 4% of your portfolio each year without jeopardizing it.
Routing through IEX is retail's best bet for hitting a lit exchange and a fair price, but some brokers say they route through IEX and go through Citadel first.
Money too much, borrow too easy. Not enough stuff, stuff now high price. Must make stuff not so high price. Must make money hard to borrow. Money hard to borrow, hard to run business, business get less money. Less employees, less spending, less economy. Soft landing win win, hard landing bad bad. What happen, nobody know.

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