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

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

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

check-etf-prices.sh

#!/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

#!/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))"

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

When III Pakopa Makes Sense

Employer contribution - Free money, always take it High tax bracket - 32%+ marginal rate Long horizon - 15+ years to retirement Old contract - Pre-2019 rules may be better

Recommended Funds

FundTERNotesGoindex III pakopa0.40%Index-tracking, low costSwedbank Index0.45%Also index-basedLuminor Index0.50%Decent alternative Avoid: High-fee active funds (1%+ TER)

Yearly Optimization

Max out employer match first Calculate tax benefit vs fees Consider personal IBKR account for overflow Review fund performance annually

Core Holdings (90% of crypto allocation)

Bitcoin (BTC) - 80% of crypto Ethereum (ETH) - 20% of crypto

Rules

Never more than 10% of total portfolio DCA monthly, don't time the market Self-custody for large amounts (Ledger/Trezor) 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%

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

Daily Price Alert

{ "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

{ "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

{ "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." } }

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.