u/iam-123-456-789

Everyone's tax situation is different. I'll just share that I'm NOT in the US so please ignore tax. I will have capital gains to pay on this and have no way to defer/eliminate/shield. I'll also pre-declare that I am a Boglehead, 100% invested in FWRA.

I have (cash) funds that I need to invest for ~13 years. On an annual basis, I need to convert 1/13th of this, and can add it to a non-taxable account. Normally, I'd invest purely in the FWRA, but the timed withdrawal, in addition to the fact that this capital is for others and cannot stomach negative returns (unlike me personally) is making me rethink this.

What do people think of the various (high TER) Calamos protectable ETFs, or Autocallable Income ETFS? It appears that these would help me attain a higher rate of return then standard cash/bond/like ETFs (so ~3-4%). It would do so at the expense of upside trapping (which I'm fine with). I'm also open to alternatives if someone has an idea.

Just to reiterate again. I personally, would dump the $ into FWRA, in full as time in the market beats timing the market. But, I can't do that here.

Is there any way to find out if or when my ring may actually ship? I feel like.. this should have happened beyond already for obvious reasons.

I have an OrangePI 5 (not pro, no wifi). I actually have a few. For some reason, even though they have power via the usb-c power they don't turn on at the press of a button. They do however turn on once I press the microsd card into it.

This means that I have, even if the OPI has the SD card in, to click to remove.. and click it in place. Once I do that it powers.

Is there any way for it to:

1. Turn on automatically, like every raspberry pi
2. For the power button at the bottom of the board (i.e aligned with the microsd slot) to be used, at least, to solve this problem?

Failing that is there something else I can do?

I'm running the latest Armbian (26.5.1) with KDE, the Ubuntu 26.0.4 one. Ideally I'd run the minimal/text Debian Trixie, but it's the same issue there too.

I'll precis this by saying that I'm a firm boglehead. But even I keep capital on the sidelines to go in on the market, during a downturn. There's a reality that as people many of us thing the market is too high / too low / too <whatever>.

I too am waiting to go in deeper (or DCA I guess) when the air is sucked back a bit. But the reality is that it doesn't matter if you're thinking long term.

Here, real estate rents are tax free, up to 6k in local currency. Tenants pay the equivalent of annual property tax (it's really municipal resource usage tax). Tenants pay their own electricity, water, and bring their own appliances - much like in parts of Europe, and Quebec. One also needs to put down 50% to buy a secdonary property - but surprisingly this keeps rents down, and rates of return don't match anything close to what I've seen in North America.

The long and the short - I constantly debate buying (residential) property, to rent it out. Property growth is probably 2-3% annually (which in the future is capital gains). The tenant would absolutely cover the mortgage, or 90% of the mortgage (fair enough). Thinking through this, is this a reasonable hedge with a bit of growth, that is also disconnected from the market? Or, am I, in reality making my life a bigger headache, when I can just lock in low 3-4% growth in a local currency ETF (and yes, pay 25% capital gains).

I would love opinions, I constantly struggle with this.

Precis: I'm not in the United States, I'm not an American citizen, I'm no longer livingin North America.

I've reached my FU number, and I continue to work. That's my decision, but I mostly cared about the FI number more then the RE (when life is rubbish, I flirt with RE). I have accounts that are locked behind age gates, others that I can access now - but SORR isn't my concern. My holdings are 82% a global ETF (FWRA and a Canadian equivalent), and 15% a UCITS Accumulating SGOV mimick. I don't need to change this in any way, 3% in a local ETF.

Currency is (USD, CAD, and local). I've started to build a hedge: read that as lower performing investment, ETF of the local stock exchange, in local currency. This solves the currency risk, and will likely return a boring ~4% over time, given the history of the exchange; I'm fine with this underperformance.

Here, real estate rents are tax free, up to 6k in local currency. Tenants pay the equivalent of annual property tax (it's really municipal resource usage tax). Tenants pay their own electricity, water, and bring their own appliances - much like in parts of Europe, and Quebec. One also needs to put down 50% to buy a secdonary property - but surprisingly this keeps rents down, and rates of return don't match anything close to what I've seen in North America.

The long and the short - I constantly debate buying (residential) property, to rent it out. Property growth is probably 2-3% annually (which in the future is capital gains). The tenant would absolutely cover the mortgage, or 90% of the mortgage (fair enough). Thinking through this, is this a reasonable hedge with a bit of growth, that is also disconnected from the market? Or, am I, in reality making my life a bigger headache, when I can just lock in low 3-4% growth in a local currency ETF (and yes, pay 25% capital gains).

I would love opinions, I constantly struggle with this.