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

#!/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))"

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

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

{
  "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."
  }
}

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.