Mama told me not to come.

She said, that ain’t the way to have fun.

  • 4 Posts
  • 24 Comments
Joined 2 years ago
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Cake day: June 11th, 2023

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  • After some light research, SUWS is what I’d go for to trade the first index. I didn’t see a suitable fund for that second for US investors.

    annual performance is way more important than the cumulative index performance - net returns, right?

    Don’t buy funds based purely on past returns, but a fund because it fills some part of your overall investing strategy. I pick a set of indices as my target portfolio, and approximate it with funds that have low tracking error (returns largely match the index) and low net fees. If a fund doesn’t track it’s index well and outperforms in the recent past, there’s no guarantee it’ll continue and it could underperform going forward. Both indices are pretty new (10-15 years), so I don’t think there’s enough data to speculate about a 30-year time horizon.

    I largely ignore returns when evaluating funds/indices, I care far more about fund composition. The top 10 holdings are very different between the two indices you linked. For example, one has Nvidia at 18% of the index and doesn’t have Microsoft or Amazon, while the other has Nvidia at ~7.5% and does have Microsoft and Amazon. So it makes complete sense that they would have very different returns over the recent past since those three companies make up a large chunk of each index and their benchmark.

    How does trump play into all of this?

    Idk? He’d certainly have an impact on performance w/ tariffs, but I don’t know which fund would have larger impacts. But you said you’re looking at a 30 year investing horizon, so I dont think Trump is relevant here since he’ll be out of office one way or another within that time horizon.

    My biggest concern would be transaction fees buying the fund if you pick a EUR-denominated one, so ask your broker if you have a any questions about that.







  • I’m a big fan of old PC parts. My current NAS/home lab is my old PC, so a Ryzen 1700 + GTX 750 Ti. It’s overkill for what I need, doesn’t use a ton of power, and I didn’t need to pay anything for it.

    If that’s not available, I recommend second hand. Look around your local area and see what’s available, or check online at places like eBay. Be mindful of power usage for server products if that matters to you.

    My next option after that depends on what I’m looking for. A mini PC with an external drive enclosure can be really nice, and there are some reasonable ITX-esque DIY rigs with drive bays that look nice. I’ll be a lot more picky when buying new though, so I’m not going to recommend specific setups without knowing your priorities (space? Power usage? Noise?).

    ECC is nice, but not a requirement. AV1 on the CPU is nice, but you can get that on a relatively inexpensive GPU if you go that route, or you could encode everything into AV1 at rest in a bulk operation. There are lots of options, so it mostly comes down to what you have access to, your budget, and your priorities.


    • if you send plaintext, their email service could spy on them
    • once they decrypt, they could accidentally reply with the decryped text, or it could get backed up if they store a copy somewhere
    • screen readers could store decrypted email

    In general, if you don’t trust the receiver, you shouldn’t send sensitive information. Windows Recall doesn’t change that, if they’re competent, Windows Recall won’t be enabled.

    I think this is more an issue for less technical users instead of activists, because activists will be more careful about who they trust than a secretary or something for a powerful individual.