Unlocking Investment Opportunities: How AI Legalese Decoder can Simplify Investment Terms and Agreements
- May 26, 2024
- Posted by: legaleseblogger
- Category: Related News
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## AI Legalese Decoder: Breaking Down Legal Jargon
### Also See How AI Legalese Decoder Can Help
Have you successfully outperformed the S&P 500 index? Which brokerage firm do you rely on for your investments?
I am curious about this because there seems to be a disparity in Europe compared to the United States when it comes to stock and ETF investments. I am interested in exploring some case studies and anecdotes from a European perspective.
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**Original Content:**
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**Expanded Content:**
**Challenges of Understanding Legal Language**
Legal documents are notorious for being filled with complex language and jargon that can be difficult for the average person to understand. This can create a barrier for individuals seeking to comprehend their rights and obligations under a contract or agreement. Without a clear understanding of the terms outlined in legal documents, individuals may unknowingly agree to terms that are not in their best interest, leading to potential legal disputes or financial repercussions.
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In general, many countries in the EU have pension systems built-in. This doesn’t mean state pension though. For example in the Netherlands, the pension system consists of three pillars: the State (AOW) which you contribute via taxes as social security contributions from your salary (mandatory), your occupational pension fund determined by the collective agreement (think unions) which you and your employer has to contribute to, and finally if you want extra: private pension funds. This is one of the reasons why net salaries in the EU are in general lower than the US, because pension investments are built in. So many people don’t feel the urge to invest in stocks just to be able to retire, but people with excess disposable cash still prefer to do so in order to have extra, maybe to retire earlier or have a more comfortable life.
I am 33, my horizon is 10-20 years, VWCE and chill. I am not doing it for retirement though, doing it just because I can. Using my bank since it offers me advantages as an already existing customer.
I am 28 years old and started investing in ETFs in April this year. I started with 9000 EUR and I put 500 EUR per month into the VWCE ETF. I plan to invest for roughly 20-25 years. I live in Hungary, there is an account here that allows me to get the profit after 5 years without tax.
On and off 20 years, every time I tried doing something active I lost money 😉
The best savings are the ones I can’t touch
In my country Greece, there is a culture that investments probably will lose your money, I’m 23 yo, I got a job for about a year for 900€ per month and I have managed right now to have a portfolio worth of 5000€. The 50% of my portfolio is Vuaa, the 40% is Tesla and the 10% is a solar company. Anyway I’m planning to keep investing until I get to 1M , but then I don’t think I will pull up my money 🤣. For now I keep adding like 400~500€ per month in Vuaa ( I’m doing dca) and my next goal is the 10K. The other goals are 50K 100K 500K and then the 1M . So keep investing until you reach your goal ❤️
Fun fact in Greece only 1 in 10 invests 🤣 the other 9 prefer to keep their money in the banks and lose them due to inflation. Otherwise I love compound interest ❤️
Started last year. I’m not trying to beat the sp500, itd be very hard. And i use Trade Republic
Since 2020, underperformed by a small margin so far, investing in diversified global etf’s (some factor exposure as well)
Started in 2017, my portfolio is roughly 40% VGT, 30% VIG and 30% VTI.
I’ve had about 10% returns so pretty happy with that.
Using a broker of a local bank in CZ that lets me buy ETFs on NYSE.
– I’ve started investing shortly after covid started
– I’ve only started tracking my performance more accurately 14 months ago. In the last 12 months i’ve outperformed the s&p 500 slightly (s&p 500 having 31.68%+ and me having 34.53%+). But that’s not my goal. Like most other people in europe i’m trying to diversify. Both in different regions but also in different industries and assets. Unlike the s&p 500, only 41.7% of my portfolio is allocated to the US.
– I use comdirect (classic german bank) and trade republic (neo broker). I’ve started out with comdirect and then switched to TR due to lower fees (almost 0), 4% returns on your uninvested money and 1% saveback. But i’m happy to also have comdirect as it is a stable and reliable bank and i have my regular banking account there for all monthly payments etc. This subreddit has quite a few threads about the tr customer support so it’s nice to also have a save haven.
– Yes, there are less people investing their money here. We usually end up with less disposable income in a lot of eu countries, but we have more stable social security systems i’d say. So my guess is: feeling more secure, having less disposable income and being more careful / suspicious are the reasons i attribute to that. But it’s shifting. More and more people are getting into investing their money.
Since 2007. Obviously not the best time to start investing. Over those 17 years I definitely haven’t beaten the S&P 500, although in recent years I’m getting close with the shares part of my investments and more than half of my investments are ETFs or BRK.B in the meantime. That’s definitely my main lesson: less stock picking and more ETFs.
Although far less Europeans invest in ETFs or stocks compared to the US, it’s still a considerable number, ranging from 15% to >30% depending on the country.
But you’re right that plenty of people are satisfied with very low interest rates on savings accounts and don’t want to take any risk even with a 20+ years investment horizon, whereas in the US most people who have the financial bandwidth will at the very least invest in a 401K for their retirement.
5y, IBKR.
Started in 2018
I started investing approx 8 years ago and I plan to continue… forever? My retirement data is approx 2050.
What do you mean by beating the S&P500, with the entire portfolio? That did not happen, but I would say on purpose.
In term of some past bets that turned out to work well: PAVE (ETF US Infrastructure Development) and BRKR (Bruker, biomedical company). They are both doing better than S&P500, considering that I bought them a few years ago.
20/25 more or less
I read this as “for how many years do you plan to invest?” For as long as I live. Otherwise, been investing for a couple of years so far.
Investing since the end of 2019, always picked stocks and also sold options
I’ve beaten the S&P500, but not much. In the last 18 months I’m up 2-3% more than the benchmark (using internal rate of return)
My broker is IBKR
Investing since January 2019, CAGR of a bit over 14% since, so beating S&P 500, but only marginally and that will probably even itself out over the next 20 years.
For how many years; almost 20 years
Just index investing through ETFs
Regarding broker(s) always a reliable one, with decent products, services and tariffs
pretty much on par with S&P500 since I started in 2021 and my portfolio is 30% SXR8 and 70% VWCE in IBKR.
Investing for FIRE in 15-20 years, I’m 26
I started to buy ETF in my 30s, and will probably continue it until I stop working. I’ll stop if I completely lose motivation to work or become physically unable to do so. I’ll have been investing for 25 to 30 years in total.
I use IBKR, since it doesn’t tie me to a specific country
I started investing after reading JLC Stock Series, I guess around Nov 2021. I put as much as I can every month. At the moment I invest around 2k a month on SNP500 through index founds. I do not think I can beat SNP500 bc I do not have enough time to think about this stuff.
Forever! One should be invested 100% in equity even after retirement. Look at this paper who’s been super popular lately that refutes traditional advice to derisk when older https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406
People don’t invest for retirement, we gain it from working. (im using ib avec my bank soc-gen)
started investing when I was 13, I’m 38 now… It’s been a while. Using a local bank broker.
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