investing

# Investing Skill A comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy. ## Core Philosophy Based on evidence-based, passive investing: - **VWCE & Chill** - Simple, low-cost global ETF strategy - **Long-term focus** - 10+ year investment horizon - **Diversification** - Across asset classes and geographies - **Low costs** - Minimize fees, maximize returns ## Asset Allocation Framework ### Recommended Portfolio (Moderate Risk) ``` 📊 Sample Allocation: ├── 70% Stocks (ETFs) │ ├── 50% VWCE (All-World) │ ├── 15% IXUS (Ex-US) or EIMI (Emerging) │ └── 5% Small Cap Value ├── 10% Bonds │ └── AGGH or Government Bonds ├── 10% Crypto │ ├── 8% Bitcoin │ └── 2% Ethereum └── 10% Cash / Short-term └── Savings accounts, MMF ``` Adjust based on: - Age (younger = more stocks) - Risk tolerance - Time horizon - Income stability ## Data Sources ### Lithuanian Sources - **šešiNuliai.lt** - Personal finance blog (LT) - **Investuok.eu** - Investment news (LT) - **Vz.lt** - Business news (LT) - **Delfi Verslas** - Business section ### International Sources - **Bogleheads** - Passive investing community - **r/eupersonalfinance** - EU-focused Reddit - **JustETF** - ETF comparison tool - **Portfolio Visualizer** - Backtesting ### Market Data - **Yahoo Finance** - Stock/ETF prices - **TradingView** - Charts - **CoinGecko** - Crypto prices - **ECB** - EUR exchange rates, interest rates ## Scripts ### check-etf-prices.sh ```bash #!/bin/bash # Check key ETF prices echo "📈 ETF Prices - $(date '+%Y-%m-%d')" echo "================================" # VWCE - Vanguard FTSE All-World curl -s "https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE" | \ jq -r '"VWCE: €" + (.chart.result[0].meta.regularMarketPrice | tostring)' # EIMI - iShares Emerging Markets curl -s "https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L" | \ jq -r '"EIMI: £" + (.chart.result[0].meta.regularMarketPrice | tostring)' # Bitcoin curl -s "https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur" | \ jq -r '"BTC: €" + (.bitcoin.eur | tostring)' ``` ### monthly-dca.sh ```bash #!/bin/bash # Calculate monthly DCA amounts BUDGET=${1:-500} # Monthly investment budget echo "💰 Monthly DCA Plan - €$BUDGET" echo "================================" echo "VWCE (70%): €$((BUDGET * 70 / 100))" echo "EIMI (10%): €$((BUDGET * 10 / 100))" echo "BTC (10%): €$((BUDGET * 10 / 100))" echo "Cash (10%): €$((BUDGET * 10 / 100))" ``` ## Monthly Investment Workflow ### 1. Market Check (5 min) ``` Run: check-etf-prices.sh Check: Any significant drops (>10%) = buying opportunity ``` ### 2. News Scan (10 min) ``` Scan: - šešiNuliai.lt - new posts? - r/eupersonalfinance - hot topics? - ECB announcements - rate changes? ``` ### 3. Execute DCA (5 min) ``` Run: monthly-dca.sh [budget] Execute trades via: - Interactive Brokers (ETFs) - Bitstamp/Kraken (Crypto) ``` ### 4. Record & Reflect (5 min) ``` Update: - Portfolio tracker spreadsheet - Note any deviations from plan - Review annual progress ``` ## III Pakopa (Pension) Strategy ### When III Pakopa Makes Sense 1. **Employer contribution** - Free money, always take it 2. **High tax bracket** - 32%+ marginal rate 3. **Long horizon** - 15+ years to retirement 4. **Old contract** - Pre-2019 rules may be better ### Recommended Funds | Fund | TER | Notes | |------|-----|-------| | Goindex III pakopa | 0.40% | Index-tracking, low cost | | Swedbank Index | 0.45% | Also index-based | | Luminor Index | 0.50% | Decent alternative | **Avoid:** High-fee active funds (1%+ TER) ### Yearly Optimization 1. Max out employer match first 2. Calculate tax benefit vs fees 3. Consider personal IBKR account for overflow 4. Review fund performance annually ## Crypto Strategy ### Core Holdings (90% of crypto allocation) - **Bitcoin (BTC)** - 80% of crypto - **Ethereum (ETH)** - 20% of crypto ### Rules 1. Never more than 10% of total portfolio 2. DCA monthly, don't time the market 3. Self-custody for large amounts (Ledger/Trezor) 4. Hold through cycles (5+ years) ### Where to Buy (EU) - **Bitstamp** - Low fees, EU regulated - **Kraken** - Good security, SEPA - **Coinbase** - Easy, but higher fees ## Emergency Fund Before investing, ensure: ``` Emergency Fund = 3-6 months expenses Location: High-yield savings account Current best rates (LT): - Swedbank Taupomasis: ~3% - SEB Taupomoji: ~2.5% - Revolut Savings: ~3.5% ``` ## Tax Considerations (Lithuania) ### Capital Gains - **15%** tax on gains - **Holding period:** No benefit for long-term (unlike US) - **Losses:** Can offset gains in same year ### III Pakopa Tax Benefits - **Contribution:** Deduct from taxable income (up to €1,500/year) - **Withdrawal:** Taxed at 15% (or 0% if after retirement age) ### Crypto - **15%** on realized gains - Track cost basis carefully - Report in annual declaration ## Cron Jobs ### Daily Price Alert ```javascript { "name": "Daily Market Check", "schedule": { "kind": "cron", "expr": "0 9 * * 1-5" }, "payload": { "kind": "agentTurn", "message": "Check VWCE, BTC prices. Alert if >5% change from yesterday." } } ``` ### Monthly Investment Reminder ```javascript { "name": "Monthly DCA Reminder", "schedule": { "kind": "cron", "expr": "0 10 1 * *" }, "payload": { "kind": "agentTurn", "message": "Monthly DCA time! Check budget, run monthly-dca.sh, execute trades." } } ``` ### Quarterly Review ```javascript { "name": "Quarterly Portfolio Review", "schedule": { "kind": "cron", "expr": "0 10 1 1,4,7,10 *" }, "payload": { "kind": "agentTurn", "message": "Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet." } } ``` ## Resources ### Books - "The Simple Path to Wealth" - JL Collins - "A Random Walk Down Wall Street" - Burton Malkiel - "The Bogleheads' Guide to Investing" ### Websites - šešiNuliai.lt (LT) - Bogleheads.org - JustETF.com - r/eupersonalfinance ### Tools - Portfolio Visualizer (backtesting) - IBKR (brokerage) - Notion/Sheets (tracking) ## Disclaimer This is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss. --- *Skill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities.*