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Valerian
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work on ETF strategy and find out in FR tax environment it's better to mix Dist and Acc. Dist will allow a steady income even when markets are bad, but are immediately taxed in FR (30%), then Acc allows withdrawing something like 4% annually (especially when markets go well).
My new formula is simple:
- 40% of total ETF portfolio go to Dist, 60% to Acc.
- Dist funds life necessary life expense, while Acc funds lifestyle or expensive purchases.
That's the best balance for me between simplicity and tax efficiency for FR
#life
schedule to sell all my SP500 holdings tomorrow because 1. its over-exposed to AI and it's a bubble, 2. SP500 is over-valued by 120% to 200% as per analysts, 3. US is going geopolitically crazy recently so starting to lose confidence — will re-balance it to an Asia-Pacific Acc ETF tomorrow + All-World ETF to dump on the AI bubble growth and now spread the risk to preserve those fat gains
#life