Thinking in Models @thinkingnmodels

#econtwt Carcavelos Joined March 2026

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Thinking in Models @thinkingnmodels

3 months ago

“The difference between successful people and very successful people is that very successful people say no to almost everything." - Warren Buffett

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Thinking in Models @thinkingnmodels

3 months ago

@MartijnHoek Great!

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Thinking in Models @thinkingnmodels

3 months ago

L&G Global Quality Dividends UCITS ETF $LDGL Launched in January 2026. Already one of the most interesting new ETFs for European investors. Here's why 🧵

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Thinking in Models @thinkingnmodels

3 months ago

Fail Forward

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Thinking in Models @thinkingnmodels

3 months ago

📍 Where to buy $XDWD in Europe: 🇩🇪 Xetra (Frankfurt): $XDWD (EUR) 🇮🇹 Borsa Italiana (Milan): $XDWD (EUR) 🇳🇱 Euronext Amsterdam: $XDWD (EUR) 🇬🇧 LSE (London): $XDWD (USD) 🇨🇭 SIX Swiss Exchange: $XDWD (CHF)

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Thinking in Models @thinkingnmodels

3 months ago

The TER difference between $XDWD (0.12%) and $IWDA (0.20%) is just 0.08%. On €50k invested for 30 years at 9%/yr: → IWDA: ~€593k → XDWD: ~€611k That's +€18k — or roughly 2 extra years of freedom bought back. Run the numbers for your amount 👉 etfhour.com/etfs/XDWD #ETF #UCITS #PassiveInvesting #XDWD #IWDA

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Thinking in Models @thinkingnmodels

3 months ago

Most European investors buy $IWDA at 0.20% TER. $XDWD tracks the exact same index MSCI World at 0.12% TER. That 0.08% difference compounds to months of your life over 30 years. Here's everything you need to know.

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Thinking in Models @thinkingnmodels

3 months ago

"Trade money for time, not time for money. You're going to run out of time first." - Naval

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Thinking in Models @thinkingnmodels

3 months ago

"The stock market is a device for transferring money from the impatient to the patient." - Warren Buffett

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Thinking in Models @thinkingnmodels

3 months ago

FWRA is accumulating, it pays no dividends. That's a feature, not a bug, when you're in wealth-building mode: ✅ Dividends reinvested automatically ✅ No dividend tax while you accumulate ✅ No decision of when to reinvest You sleep. The ETF works.

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Thinking in Models @thinkingnmodels

3 months ago

0.15% TER sounds like nothing. But over 30 years investing €500/month: • 0.12% TER (FWRA) → ~€520k • 0.50% TER → ~€490k • 1.00% TER → ~€450k The difference from fees alone? €70,000 gone. Every tenth of a percent compounds against you.

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Thinking in Models @thinkingnmodels

3 months ago

If you could only pick 1 ETF to start with, what would it be? Mine: Invesco FTSE All-World $FWIA / $FWRA 📈 +23% in 1 year 📈 +60% in 3 years (17%/yr CAGR) 💸 TER: 0.15% — one of the cheapest in the world 🏦 Fidelity · UCITS · Accumulating · IE domicile Here's why it's my go-to pick for anyone just starting out 🧵

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Thinking in Models @thinkingnmodels

3 months ago

Adapted from the book: link.amazon/B037AQZNA

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Thinking in Models @thinkingnmodels

3 months ago

In the end, you're managing your own long-term holding. Run your life the way you'd want a manager running something you're invested in: and remember the goal was never a fixed destination. What compounds along the way is what actually built the value.