Investing

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name: investing version: 1.0.0 description: Personal investing assistant for Lithuanian investors. Monitors markets, ETFs, crypto, pension funds (III pakopa), and provides monthly investment suggestions based on research and market conditions. author: Buba Draugelis license: MIT tags: - finance - investing - etf - crypto - lithuania - pension metadata: openclaw: emoji: "💰"

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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

| 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

{
  "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.

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*Skill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities.*

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