Off-Topic / Stock Market Talk and Trading - part 2 [747]


Why not use BOS? Then you can invest USD in the US market with no Belka on your winnings. Although you would need to convert the USD to PLN to withdraw it (unless government change that law, which they may well do, as it makes the IKE more attractive and does so with no cost to the taxpayer).


Over the last 12 months both are about 0.5pp below the indices they track.

Food / Poland-Tea or coffee land? [165]


If you want Early Grey with extra citrus, try Lady Grey tea (only from Twinings).

Off-Topic / Stock Market Talk and Trading - part 2 [747]


They are PLN and with currency risk hedged.

That said, it seems that BOS are now offering global access to ETFs via IKE accounts. The catch is that IKEs can only be loaded with PLN, and the global ETFs need to be bought in whatever currency their listed in. But the first three conversions with BOS are commission free, so if you can load your IKE with 9,000zl lumps, no commission for the FX.

News / How will Polish-American relations change if Trump is elected president again? [812]


Any deal which involves consumers paying higher tariffs is a bad deal for both sides.


I think the EU has played this nicely: VdL simply isn't authorised to make the vague pledges that she's made that the EU will buy stuff from the US, so the Member States can simply say "That's nice. But we aren't required to comply with that agreement."

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Happy to help.

About ETFs, have you seen ETFBNDXPL and ETFBSPXPL? They track the Nasdaq and the S&P 500, respectively, but are listed on the WSE, so you can use IKE money to buy them. Unfortunately the TER for both is 0.8%, but at least they're commission free this year.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


If you maxed it last year and put everything into a WIG tracker, you'd have got a 25% return (26% less management fee). The CGT is 19% here, and 19% of 25% of 25k is 1,187zl, which is worth filing in a form.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Just had another look at the Alior website: they're offering 0zl commission on all purchases of Polish ETFs for the whole of 2025. I reckon I'm filling my IKE for this year with that offer.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


It's 3.8% if you do under 300,000zl. Although I bought 50 shares in PZU (mostly for the 20% discount on insurance) yesterday and paid 11.80zl on 3,107zl, which I make slightly less than 3.8%.

While I remember, do you trade from an IKE brokerage account?

Law / Polish Police and Their Tactics [237]


Did you read about that bloke in Gdansk who saw somebody abseil onto his balcony, clip his very expensive bike to their harness and then abseil off again? He ran onto the balcony and cut the rope.

Off-Topic / Stock Market Talk and Trading - part 2 [747]

cms have a read of this: fund-docs.vanguard[dot]com/ie00bfmxxd54_priipskid_en.pdf

Units available via Alior brokerage. "Management fees and other administrative or operating costs
0.07% of the value of your investment p.a. This is an estimate based on actual costs over the last year and takes account of any known future changes."

Study / A medical school called UPS in Poland? [7]


Sounds like you have a bit of local knowledge.

Study / A medical school called UPS in Poland? [7]


It wasn't called that then.

Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Stock Market Talk and Trading - part 2 [747]


LOL! Yet again the Michigan Mystic tries to boast about his inability to match the market! If somebody merely tracked the S&P 500 instead of trying to pick winners, they'd have doubled their money in just five years. And to double one's money by tracking the Nasdaq, one would have needed to invest in October 2022, less than half the time the Michigan Mystic claims he's able to double his fantasy money.

I saw a bona fide musical genius say it best:

Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Music Thread - part 2 [972]

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Life / A warning to Poland: Germany's catastrophic immigration policy: 80-90% criminal manhunts are ARABS / foreigner [83]


Maybe something to do with them not being bigots? Maybe it's connected for the need in Europe for people to fill the jobs left empty by an aging population? Perhaps it's due to large parts of Europe having experienced war in living memory and so understanding that sometimes people need a safe place to go to?

Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Music Thread - part 2 [972]

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Off-Topic / Remembering Adrian [24]


Thank you.

Off-Topic / Remembering Adrian [24]


Could you possibly pass on to her the sentiments expressed in this thread?

Law / Gun control in Poland: should Polish people be allowed to own guns? [1070]


I noticed it, I just filed it under "Yet more proof that Novi knows nothing about Poland".

But perhaps you'd care to read Art. 25(1) of the Polish Penal Code?

Off-Topic / Music Thread - part 2 [972]

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Law / Gun control in Poland: should Polish people be allowed to own guns? [1070]


LOL! The number (and scale) of pay-out to those who've been the victims of illegal acts committed by US police in US police stations shows how mistaken you are!

Off-Topic / What's your connection with Poland? Penpals. [595]


Of course, "Werden" means 'to become' in German!

Off-Topic / Music Thread - part 2 [972]

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Off-Topic / What's your connection with Poland? Penpals. [595]


You mean jimmy rapist is a hun?! That would make sense actually, would explain his gluttony and his tendency to fantasize about being hugely important and powerful. Would also explain why he hates Brits, and why Poles hate him.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Must be even lonelier when the fantasist realises that everybody is laughing at home because he can't even do simple maths that a five-year old can manage, e.g. dividing 72 by 20, and so demonstrates to us that his fantasies are just fantasies.

Anyway, in other news, did you see that Orlen hit 89 the other day? Nice of Delph to give us that tip on Boxing Day, wasn't it. And I see they'll be paying out the dividend on 1 September. PLN 6.00 per share, which is a 12.5% return for us. I think I might use some of my pay-out to buy a bag of nails on Amazon and have them sent to the Michigan Mystic so he can get Lil' Stabby to fix his roof.