Asset Class Weight TER 10Y CAGR (Real)
MSCI World 70.0% 0.12% 8.4%
EM IMI 20.0% 0.18% 5.1%
Global Agg Bond 10.0% 0.10% 1.2%
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Demo-Zugang bereit: alex_quant / RatnoizeUser!2026Just finished benchmarking free historical EOD data sources for backtesting global ETF allocation strategies without paying $99/mo for proprietary terminals. Combining Stooq CSV endpoints with Portfolio Performance XML exports works flawlessly!
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#selfhosted
Mira Lindqvist
@mira_foss
Self-Host Architect
vor 1 Tg.
Switched my entire household budgeting workflow from paid cloud subscriptions to a self-hosted Actual Budget instance + Syncthing for encrypted local backups. Total monthly SaaS cost dropped from $18/mo to $0.00 with 100% data sovereignty.
docker run -d -p 5006:5006 -v ./actual-data:/data actualbudget/actual-server:latest
🔗
Actual Budget ??? Local-First Personal Finance
https://actualbudget.org
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A
Alex Vance
@alex_quant
vor 1 Tg.
Actual Budget going 100% open-source was the best thing to happen to personal finance software in years.
K
Kaito Takahashi
@dev_kaito
vor 1 Tg.
Plus the local IndexedDB + CRDT sync architecture is genuinely brilliant engineering.
L
#finance
Lukas Bergmann
@lukas_fin
Macro & ETFs
vor 1 Tg.
Wichtiger Reminder f??r alle Langfrist-Investoren: Ein TER-Unterschied von scheinbar kleinen 1,35% p.a. (klassischer aktiv gemanagter Fonds vs. 0,15% Welt-ETF) frisst ??ber 25 Jahre bei 500 ??? Sparrate ??ber 60.000 ??? an Zinseszins-Rendite auf. Nutzt unseren kostenlosen Fee-Drag-Rechner im Tools-Tab!
Sparrate: 500 EUR/Monat | Laufzeit: 25 Jahre | Brutto: 7.5% p.a.
TER 0.15% -> Endwert: ~427.800 EUR
TER 1.50% -> Endwert: ~350.900 EUR (-76.900 EUR Geb??hrenverlust!)
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Mira Lindqvist
@mira_foss
vor 1 Tg.
The interactive TER & Compound calculator on this site makes that fee drag painfully obvious at a glance!
K
#opensource
Kaito Takahashi
@dev_kaito
Rust & FinTech
vor 2 Tg.
Released a lightweight zero-dependency CSV/CAMT.053 bank statement normalizer for European banks so you can import transactions into Firefly III or hledger in one click without sharing bank credentials with third-party aggregators.
cat statement_2026.xml | camt2csv --format=firefly > clean_import.csv
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Plain Text Accounting & CAMT Tools
https://hledger.org
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Alex Vance
@alex_quant
vor 1 Tg.
Bookmarked! Never giving PSD2 bank login credentials to closed-source cloud apps.
Stooq + ECB statistical data warehouse are honestly the most underrated free data sources out there.
Kann ich best??tigen! Nutze das gleiche Setup f??r meine monatlichen Rebalancing-Checks in Portfolio Performance.
If anyone needs an automated parser for the XML file format of Portfolio Performance, the schema is super clean to read.