My Investing Plan for 2025

[@AngeloColomboFi]

Are you making any changes to your strategy in 2025? 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 🇪🇺Trade Republic (ETFs, 3% interest): angelo.fi/tr 👉Compare ETFs: angelo.fi/comp 🇦🇹Flatex (ETFs): angelo.fi/flatex ⚡Where I Buy Bitcoin: angelo.fi/bit 💶My high-yield savings account with 1% saveback: angelo.fi/save

[@aski909]

Yes buying 2/3 dividend etf and 1/3 sp500 etf . And onlysome dips in 2 stocks

[@supervins]

😊😊😊😊😊

[@Nootey33]

I just wanted to let you know, that I appreciate how transparent you are with everything, even actual numbers. There are not many people like you in the financial side of KZbin, especially not from Europe! I also think your strategy is pretty much spot on. Great video!

[@jjohn1]

Trade republic has a huge issue I don't see talked about anywhere. According to their customer terms, they will delete your account in case you move countries, even within europe. This can easily be a deal breaker.

[@aktienco4333]

They have a lot of issues!

[@marijalisicyna7082]

Thank you for sharing

[@henkjekel4081]

Where did you find this?

[@jjohn1]

@@henkjekel4081 Customer agreement, Clause 10.

[@jjohn1]

@@henkjekel4081 Customer agreement, clause 10.

[@SimonRobert-z4h]

Hey, thank you for the vid. Great work 👍 hitting it big in crypto already. On track to reach my savings goal of $1M before the end of the year

[@vincewoo3415]

Wow, it was an incredible year for you guys🎉 Feeling happy for you!😊 Thank you for sharing with us.

[@Agnifilo]

For all thos BTC critic's ... they all wish they could have bought it at 1k, 10k, 20k, 30k, 40k, 50k, 60k... just imagine how much gold you could buy with the amount of profits. Gold is not the future. It's too heavy and too slow. Crypto is the future. And you can beleive or not believe. But we can all agree that you and I would have been much better off had we bought BTC any time in the past. Now all that said. I think BTC goes to a million but it goes to 20k first. Any massive pullback in it... is a trade not a hold. Same for gold and sliver. Rich don't hold tops ... they trade........ I have managed to grow a nest egg of around 3b"tc to a decent 26B'tc in the space of a few months. Amidst this, the insights of a knowledgeable guide like that of Francine Duguay can be crucial. Her expertise in navigating the nuances of trading has been the key for Me understanding and making the most of these emerging financial trends.

[@EnyiAriza]

One thing I know for certain is crypto is here to stay, the only thing that leaves is the people who don't manage their risk. Manage that, or the market will manage it for you. With the right strategies you will survive.

[@riktheoz]

Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today…..Her insights and daily siignals are worth following.

[@RobertIOliver]

Thank you…. I have searched her up Google I think I am satisfied with her experience.

[@RMurtgh]

The market has gone berserk! whether you're a newbie or a veteran trader, everyone needs a sort of coach at some point to thrive forward.

[@zedzedeur]

Francine Duguay understanding of market indicators is impressive. She knows exactly when to enter and exit trades for maximum profit. Her siignals are top notch..

[@DimaShow10]

Liebe Angelo, ich wollte dich von ganzem Herzen für deine tolle Arbeit danken, die uns allen hilft, ein besseres, freies und sicheres Leben zu führen. Ich bin alleinerziehende Mutter und arbeite schon 100%, das heißt, ich habe wenig bis keine Zeit für mein Kind, und das Geld ist immer knapp. Ich habe mir schon Gedanken über Investitionen gemacht, aber es hat immer so kompliziert gewirkt, dass ich aufgegeben habe. Bis ich deinen Kanal gefunden habe - plötzlich wurde alles klar, kurz und sachlich. Danke dir, du hast mir die Hoffnung geschenkt, ein besseres Leben für mich und mein Kind zu schaffen.

[@yeekeelam600]

Opened an IBKR account through your link 😊 I wish you a happy new yearrrr

[@koala126]

Happy New Year Angelo! 🚀

[@AngeloColomboFi]

Happy new year to you as well! 🥂

[@andreeaolariu183]

I'd like to try again Trade Republic as it didn't allow me to transfer funds when I opened it at first. Thanks for sharing your experience with us. Have a healthy and wealthy new year!🎉

[@kolifx]

Seems like you are market timing crypto, not buying/selling eth and taking money off the table with btc. What is the rationale especially as you advocate against market timing with ETFs?

[@oriolmartin9242]

Hello Angelo, thanks for all your 2024 videos! Also, as a suggestion, maybe an IBKR tutorial including some "advanced" stuff like buy order types would be interesting (I'm interested in trailing orders). Grazie mille!

[@SantoRedentor]

Very good job, definitely better returns than us. Great simple strategy. I wish we had a housing solution similar to that of Vienna in Spain! I'm in the process of liquidating 40% of my portfolio right now to purchase a flat in Barcelona, and will still have a 30 year mortgage, but rent was going out of hand. Also I find I'm fighting an uphill battle against confiscatory taxes here, I literally have 0 incentive to progress at work or get promoted, the taxman will take most of it at this point. All for bad and worsening services. I lived in Vienna for a while and loved it, but could not convince my wife to stay. All the best to you and your family!

[@2504Nico]

There is another advantage in switching from the vanguard to the invesco etf: when you start selling some etf shares in 20-30 years you will pay less taxes when you first sell your invesco shares because you will have less profit per etf share because of the fifo principle. That's why it's a good idea to switch to another etf every 10 years and first sell your newest etf shares and sell your oldest etf shares last to pay less taxes.

[@marijalisicyna7082]

Thank you. Good comments

[@ranista00]

Thanks for the comment. So for trade republic you are free to move ETFs around between different brokers, but if you change your country of residence the account is deleted? Is this what you mean? Do you guys know if this is the same with Scalable?

[@Emil_E13]

I guess this is relevant to countries with tax on capital gains even for ucits etfs. However I wonder when you have a bucket of etfs bought through the years how do you sell specific ones (newest first)?

[@EnjoyPlantPower]

Time for me to jump ETFs! Thanks for the update! ✌️

[@giovannidagostino4221]

Buon Anno Angelo, grazie di tutto!

[@pauldinch]

Grazie per il video durante il periodo vacanziero! Buone feste!

[@mruckebusch]

Thanks for sharing your financial journey!

[@HikaruGunner]

Please note that Trade Republic accounts earning interest are not covered by the deposit guarantee scheme up to 100,000 euros.

[@lainaremer924]

Thank you for these very helpful informations.

[@rayanjayasamraj7129]

Great update!!! Have a Happy New Year!!!

[@triggercky9928]

I have the same investments. I wrap this in an isa in the uk which is tax free no matter how much we gain

[@Sam-jj8sg]

Guten Rutsch ins neue Jahr 🎉

[@Edith864]

Thanks for the high value video, Angelo. I really appreciate you talking & sharing your cryto strategies and lessons as well. All the best for 2025 🍀🎉 Guten Rutsch. 😊

[@vlad.trifanica]

Hi Angelo, great video! What’s your strategy for saving up for bigger expenses like vacations or home improvements that need more planning? Would love to hear your approach. Thanks!

[@giammaf81]

How about a video with your bitcoin buying routine? Do you buy and move them to another hardware wallet or what?

[@BuergerMax42]

Als Vanguard von 0,25 auf 0,22 senkte, dachte ich noch, sie verfolgen ihre Mission ehrlich. Aber auf Amundi, Invesco und SPDR gab es bisher noch keine Anpassung.

[@fannz66]

Really appreciate your work! I wonder if you sell BTC from your portfolio according to its cyclicality? To buy more during a bull market?

[@Vilhena6969]

What is the tool you use here to track the etf? <a href="#" class="seekto" data-time="138">2:18</a>

[@Mrfam101]

getquin

[@guilhermepizzi3291]

Hi Angelo, thanks again for another great video. It would be cool to see a video about all the platforms and/or apps you use to support you in investment decisions. For example, I know you use JustETF to compare ETFs. Thanks!

[@viernes-5]

Well done 💰👍🏾✅

[@zalvador23]

Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Everyone should have BTC in their portfolio

[@andriiuhryn4389]

Thanks for this video. I was wondering if you can make one comparing crypto brokers. I am not sure why do you use Bitvavo over Coinbase or Kraken?

[@Cian_CC]

Can you do an updated video on trade republic addressing the recent FUD. Thanks & happy new year!

[@NiNeGaming1]

What's your main activity as self-employed? Freelancer, company owner?

[@AngeloColomboFi]

I'm a sole proprietor working in IT and Online Marketing

[@bogdanandrei1331]

What happens if usa market falls down?the fund rebalance from another countrys?how is the index working?

[@gstathias]

Hey Angelo. Why do you choose to invest in Euros and not in USD for the long term? Do you believe that EURO will be strong for years to come?

[@bleys2417]

Happy New Year! I’m sorry if you already explained that. Why you don’t buy SPDR MSCI All WORLD ETF? It has 0.12% fee with good performance through years.

[@PericoloMortale]

Because it does not include Emerging Markets, which is the reason for the lower TER.

[@bleys2417]

Can You provide more details? I meant, that ETF (SPDR MSCI ALL WORLD) is performing better anyway. So it has lower TER and better performance. Thanks a lot!

[@teopanjan]

MSCI does not include emerging markets like FTSE index does

[@BuergerMax42]

​@@PericoloMortaleSPDR MSCI ACWI includes EM for ,12 SPDR MSCI ACWI IMI includes Small Caps for ,17

[@kingluis2942]

One question: if the tracking difference is really low does the TER still matter? If VWCE and invesco etf have almost the same tracking difference, does it make a difference buying one instead of the other?

[@sipoli100]

If you use IB where you can see price you bought stocks maybe 5 years ago? I cant find

[@tomplazonic]

Hi Angelo! Could you explain the 0.22% fee a bit more? How does this affect investors? I'm slowly learning more about ETF investment strategy.

[@Belerofonty]

It doesn't matter, it's a very small fee. It's applied to the total value of the portfolio at the end of the year. For example, you have a portfolio of $100,000, the fee being 0.22% you will pay: $220 at the end of the year. I say this because it doesn't matter at all, with a portfolio of $100,000 your last problem would be the $220 per year. The TER for me is something that doesn't exist and doesn't matter at all.

[@tomplazonic]

@Belerofonty nice! Thank you for the explanation. I'm nowhere near that value but slowly getting started.

[@victorcojocaru3237]

@@Belerofonty well, the TER is not nothing. Compound those TER money paid each year for the next 20 years and you will find out the lost potential of the money spent on fees that could have otherwise been profit. Of course, there is no such thing as no fees at all, but the rule of thumb is the lower, the better.

[@fahomenhera2820]

But Invesco has a huge spread... about 0.15% and Vanguard only 0.06% which ends up them to be: Invesco: TER 0.15% + Spread 0.15% = 0.3% vs Vanguard TER 0.22% + Spread 0.06% = 0.28% What about that?

[@bartz4439]

limit order? cash secured puts?

[@maxtocool123]

Those can not be added together. TER is a yearly percentage over your total investment and spread is a one time percentage fee you pay over each buy or sell amount

[@giovannidagostino4221]

the Spread you only pay once not every year.

[@CaueNapier]

Hey Angelo, Is there any apecific reason why you are not using yhe recurring investing from TR, since it has no fees? The IBKR does pay fees. I know you did a video comparing brokers, but you didnt mention that point.

[@benjaminkomjathy]

Hey man, its an algo boost comment, also a question, on IBKR, FWRA not available from xetra unfortunatelly, from who are you buying it? Another, btc etf of "real" btc? For tax optimization, it would be easier to buy it as an ETF to TBSZ. As a devops engineer i find it kind of funny, i dont have any crypto in my portfolio YET!

[@kleyankin]

Hey Angelo, could you please make a video about a new ETF from Scalable (Scalable MSCI AC World Xtrackers) .TER of 0% looks promising.

[@carcaliceasorin3770]

Great video as usual :) Are you planning to pay off the mortgage before you retire?

[@AngeloColomboFi]

We don't have a mortgage, we prefer renting and investing our monthly savings elsewhere (eg. ETFs)

[@poll1986]

I did not understand why you can not buy VT through Interactive

[@musicshaker]

Angelo, have you considered buying an ETF that tracks BTC rather than buying BTC directly? What do you see as the relative advantages and disadvantages?

[@davidecardellini2552]

Hi Angelo, Where can I find the 100+data you mention about? I believe you are refering to all-world-stock index data. Buon anno!

[@alexknot]

Hey, thanks for the vid, one question, searching for FWRA in ibk returns 3 options, swiss, uk and italy. Any recomendations on which one? Also, what are the differences exactly? Thanks!

[@christupan]

Great video

[@iMontemo]

Sauber Angelo 💪

[@vic7939]

European here. What's the ticker of the Invesco FTSE. Fwra, fwia ? I don't find the fwrg on xtb... Ty.

[@hodatarek7379]

Thanks, Angelo, for sharing your strategy! Could you clarify how you decide how much Bitcoin to sell when rebalancing or taking profits? For example, I considered selling some when it hit 100k but hesitated, unsure if it would keep climbing or whether to sell 25% (of the returns) or all the returns at once when it reaches all time high and keep the core investment there.

[@GregMerchant]

I think investors should always put their cash to work, especially in this fourth quarter of 2024, we'll start to see more market diversification. I’m up 87% last year with a 7 figure portfolio well positioned with good blue chip companies and I have stop losses in place, Personally with insights from my FA Abigail Ann Ryan I prefer to invest in large cap companies which have economic moats, large cash flows and strong balance sheets. Some of which are AAPL, MSCI, IUKD, VHYL, SCHD, NVDA and Barclays.

[@Bergenn158]

Invest in stable stocks, my rule: if you previously liked the stock, then you should love it at a discounted price.

[@phyllisburtonhearsawho]

Nice, interesting picks.

[@Clancysoucie]

She appears to be well-educated and well-read. I did a search on her name and came across her web, thank you for sharing

[@renesperber]

Good vid. How many stocks is the the Invesco ETF actually investing in? > 3000?

[@arkadiuszkwiatkowski6074]

Hi Angelo, is there any reason why you wont invest in sector ETF like ishare technology or VanEck nuclear power?

[@daliborg.8007]

thank you Angelo! are fees applying with the monthly investment in IBKR?

[@MrChando1975]

Angelo, can you make a video how to transfer stocks from Degiro or Trade Republic to Interactieve Brokers? I like to transfer some of my US stocks to Interactieve Brokers. Thanks. ❤

[@byo5335]

you have so much invested. wow. above 300.000€ teach me the secret man

[@HikaruGunner]

You and your wife getting a high paid job

[@tafsir35]

Hello Angelo, I've been following you for a long time, your video is very helpful for European investors. I just want to ask you why you like FTSE All World more than MSCI ACWI? I Invest iShare MSCI ACWI from 2021. I know at the end it will probably make little difference which index I follow. But if I compare all the global ETFs in curvo Backtest, I find iShare MSCI ACWI ''Gewinner''. Just to know your thoughts. Thanks for your videos and Guten Rutsch.

[@Gloop97]

Hi Angelo, great video :) When you do automated monthly investing, how do you make it so the payments are at a good rate?

[@luiscarlostorres3108]

Hey, Angelo. I see the FWRA is listed in LSEETF, BVME and EBS exchanges in Interactive Brokers. Where would you recommend to hold the position?

[@AngeloColomboFi]

BVME if your home currency is €. You can see how I buy it on IBKR here: kzbin.info/www/bejne/roG6kqp3ncuqpJI

[@luiscarlostorres3108]

@AngeloColomboFi awesome, thank you. I live in NL, so yes, I will buy it in Bolsa Italiana.

[@samtarantino3036]

Amazing channel and content I have a question is Austria like Germany in terms of tax on ETFs? Do you also have to pay annual tax for unrealised gains even tho you haven’t sold any?

[@AngeloColomboFi]

Yes sadly: kzbin.info/www/bejne/qZC4fGakZrWJftU In fact it's even more complicated here :/

[@toondesmarets3033]

I heard that Invesco ETF is a small ETF and because of that it is less liquid. What do you think about this comment, Angelo?

[@doruv25]

The value at the moment it is 726 million ..probably it will grow..past 1 billion soon.. but this was also a big reason for me for not investing in it at the moment ..and keeping with ishares developed countries for now..

[@AngeloColomboFi]

I mean it's over $830M in size by now, so it's not a small ETF any more: www.invesco.com/lu/en/financial-products/etfs/invesco-ftse-all-world-ucits-etf-acc.html Spreads already weren't an issue when I made this video 5 months ago: kzbin.info/www/bejne/oqi4oH-JfcibiZI Just make sure you buy it during regular market hours (9-17:30 CET) and use a reputable broker :)

[@toondesmarets3033]

@AngeloColomboFi many🙏, Angelo. And keep going. Very interesting videos!🙏👍

[@gstathias]

Hey Angelo I have an additional question about the IBKR fees. I am a European user (living in EU as well) and I get payed in Euros. I have the IBKR PRO Tiered fee program. So the money that I deposit are in Euros. If I want to buy EU stocks/ETFs life is easy I just use EUROS that I have in the account. But the problem starts when I want to buy US stocks in dollars. Do I need to convert to US via currency exchange or is it possible for IBKR to make the convert on its own? And on your opinion what is the best steps to take as a sub 100.000€ account? Do you first convert and buy with 0.33$ fee/buy and 2$ convert or you just buy in Euros and IBKR does the rest?

[@VoiceOfThe]

I asked a similar question to this. I will be buying the USD fund of VWCE and my starting currency is GBP... even though I live in Europe ( portfolio is still with a U.K. broker and before I start to drawdown I have to sell my investments and buy a UCITS Irish domiciled fund with IBKR ). I’ve read Wise are an option to do the conversion, but, I believe IBKR are cheaper after some Googling. I wanted Angelo’s opinion.

[@robindestefani234]

Cant you buy VT in Austria?

[@AngeloColomboFi]

Nope, but you most likely wouldn't want to anyway if you're ever going to live in a country that doesn't have an estate tax treaty with the US: kzbin.info/www/bejne/qYmukKGZqJZ6pKs

[@costanzojr]

Based on what analysis and information do you make these "predictions" for how the stock market and bitcoin will perform in 2025? You have calculated actual percentages for the expected performance (eg +9% for the stock market).

[@AngeloColomboFi]

Don't take my unqualified predictions seriously please, as there is no way to know, since markets are unpredictable. I simply make these on a yearly basis based on what I think could happen due to different factors (eg. in 2025 there may be be deregulation and lower taxes in US markets, more central bank liquidity, AI breakthroughs could make companies more profitable, Bitcoin's next year should be great based on its previous 4-year cycle etc.) including what some analysts I find interesting say about how next year could turn out. I then check a year later how close or far off I was. That's it, no more no less :)

[@MiladNakhlkar]

Hey man, thanks for the content! I’m investing in the SPDR S&P 500 ETF and realized that it has outperformed the FTSE All-World ETF over the long term. What are your thoughts on that?

[@AngeloColomboFi]

Here you go :) kzbin.info/www/bejne/lZe2Z5minbOFi8U

[@MiladNakhlkar]

@AngeloColomboFi Thanks man

[@xeniadelsol]

I'm thinking of switching to FWRA due to your evaluation of costs, but I'm hesitant because I don't want to switch from Trade Republic back to Interactive brokers. Trade Republic is so much easier for me because there's no cost and I have everything automated, so I don't have to think about it. If I switch back to IBR and have to think every single month about buying shares, I probably wouldn't do it regularly.

[@AngeloColomboFi]

If you like the simplicity of your setup right now, I wouldn't change anything. VWCE is still a great ETF, don't overthink it - I would be perfectly fine with buying VWCE on TR (savings plan & saveback) if Invesco's ETF wasn't available to me as an Austrian resident. We're talking about a small 0.07% difference p.a. and Vanguard could very well wake up at some point and reduce theirs as well :)

[@teopanjan]

I have the same problem i cannot decide. I know that ibkr has fees but i would probably sleep better knowing that my money is with ibkr.

[@xeniadelsol]

Thanks for this feedback. It was bugging me for some time. So I guess I’m staying with my current setup then. 😁 at least for now.

[@theanswer1993]

VWCE and chill

[@AaronTilt]

Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?

[@VoiceOfThe]

I did this about 18 months ago. All the while you’re waiting for that perfect opportunity to go all in, the markets keep drifting upwards, so you’re missing out on months of +returns. There’s an opportunity cost when trying to time the markets. If I was you I would decide what to invest in and drop the whole lot in. It’s hard to do it psychologically but history shows it’s more often than not the best decision.

[@disgustedsumo5167]

Personally I dump my money into jggi, it's a good world index fund and I live in UK so I pay no taxes in my stocks and shares isa so it's a beautiful bonus lol

[@zm8242]

One ETF strategy?

[@zionpixel]

Boglehead philosophy.

[@WealthyChronicle]

Bitcoin going 50% higher in 2025? Honestly, after that massive 2024 rally, I’m skeptical. Anyone else think it’s due for a correction or will it keep surprising us?

[@micas290]

i invest in splg (US) and it has a 0.03% expense ratio Even my position on VXUS has a lower expense ratio than VWCE

[@briancarroll0]

I imagine the EUs favourite word is why EU ETFs are more expensive than US ones. Since you’re American bonus points if you guess the word haha.

[@Mr_john-u7y]

I Hit $12,590 k today. Thank you for all the knowledge and nuggets you had thrown my way over the last week .i started with 3k in last week 2024..... now i just hit $12,590,,,,.

[@Reset3]

RIP to the guy that pasted his seed phrase in the comments I guess

[@AngeloColomboFi]

If only, sadly those posts are from scammers so pay attention

[@Reset3]

Yeah, just hope that was him moving his coins because there was at least 8k€ worth one second and 0 the next, or that it's just a scam attempt

[@AlFakherFan]

To be honest I really can't understand why you continue investing in All World ETF as you are still young investor and don't buy S&P 500 or Nasdaq 100 ETF... It's so low historical return comparing to my mentioned 2 indexes. As a young investor you can accept huge volatility as those indexes fundamentally are programmed to outperform All World index in the long-run...

[@cedric4097]

Why not the IWDA ? 70 % of the ETF focus on the US market + it give additional diversification with company located outisde of US

[@Kats0unam1]

I feel as an European we are loosing when investing on Dividend ETF's because taxes.

[@salto1994]

and missing KID's like SCHD :/

[@mistericeberggg3677]

in Belgium we don't have the taxe if the dividends are reinvested automatically in the ETF (acc ETF)

[@Edith864]

Totally agree :/

[@tegeas69]

Ok

[@TheBigShort11]

Ich verkaufte 50% des Portfolios und schichte in Anleihen

[@LightWrathme]

I understand the bitcoin investment is working but i think 10% is huge and is probably your largest single investment after its growth. I see bitcoin and other crypto as an allocation that could blow up easily as there's no underlaying asset that the price is based on. It's just based in future growth which is only true until it isn't. And let's be real, crypto is not solving any real world problems. I think potentially many could be hurt by this strategy

[@ghgf23hh3]

My investing plan is one sentence: buy nasdaq 100, pray and dont check the numbers, until the end of the year

[@jerryn9690]

you're 34?

[@AngeloColomboFi]

Yup

[@kingofmambo]

​@AngeloColomboFiyou look more old

[@KirSpy]

👍

[@TonuAlex]

First comment😅

[@hedgingwell7718]

Big dump in global market in Q1 soon

[@soundsnags2001]

Bro is level 9 bald

[@AngeloColomboFi]

Do I lose my eyebrows at level 10?

[@soundsnags2001]

@AngeloColomboFi unfortunately yes, but on the plus side your power grows exponentially.

[@Antros23]

Your whole reasoning for vanguard is at least ridiculous ...dont be cheap..

[@ΝικόλαοςΑντωνιάδης-ι6τ]

Hi Angelo,i saw that you track your portfolio with getquin.have you got any issue with synchronization with the interactive brokers?i have this broblen the last 10 day and I cannot see nothing on my getquin account.this is happening since we switch to Ireland account.can you help me with the connectivity? regards Antoniadis nikolaos

[@LightWrathme]

I understand the bitcoin investment is working but i think 10% is huge and is probably your largest single investment after its growth. I see bitcoin and other crypto as an allocation that could blow up easily as there's no underlaying asset that the price is based on. It's just based in future growth which is only true until it isn't. And let's be real, crypto is not solving any real world problems. I think potentially many could be hurt by this strategy