Cette carte bancaire risque de te faire gagner 38 988,86€ grâce aux intérêts composés !
J'avoue que mon accroche est un peu forte, mais au final...
Elle est proche de la réalité !
Comment ça ? 🤔
Grâce à 2 choses...
1️⃣ Cette carte permet de réinvestir 1% de tes dépenses (appelé saveback) sur l'actif de ton choix
2️⃣ Les intérêts composés
... Qui, ensemble donnent ce combo impressionnant !
Assez parlé, rentrons dans le vif du sujet.
Si tu dépenses...
👝 500€ tu pourras investir gratuitement 5€
👜 1000€ tu pourras investir gratuitement 10€
🛍 1500€ tu pourras investir gratuitement 15€
Certains me diront que c'est ridiculement faible.
Vu comme ça, peut-être 🤷♂️
⚠ Mais il manque une chose.
Les intérêts composés et le temps ⏱
Imaginons que tu investisses ces 1% sur un ETF S&P500.
🇺🇲 Depuis 1928, soit près de 100 ans, la performance moyenne des actions américaines a été d'environ 9,5% par an.*
Si tu dépenses 800€ par mois, tu récupères 8€ de saveback.
Ces 8€, investis sur un ETF avec une performance 9,5% par an sur 40 ans, donnent la maudite somme de 38 988,86€.
💳 Et tout cela gratuitement, juste en utilisant cette carte bancaire.
Impressionnant n'est-ce pas ?
📈 Bon, j'avoue, ce n'est pas "juste en utilisant cette carte bancaire", c'est aussi en "utilisant les intérêts composés".
Sur ces 38 988,86€ de gains, en réalité, 3 840€ viennent des 1% de saveback proposés par Trade Republic.
Le reste vient des intérêts composés (35 148,86€). Ce sont les intérêts générés par les intérêts de vos placements.
🤫 Et je ne vous ai pas tout dit...
Cette carte bancaire n'a aucuns frais mensuels, aucuns frais de paiement ou de change, peu importe le pays 🌏
Imaginons que ta carte bancaire actuelle te coûte 24€ par an soit 2€ par mois.
En réinvestissant ces 2€ d'économisés en changeant de carte, tu aurais 10 000€ de plus dans 40 ans (si placé à 9,5% par an).
🤯 Mais j'ai préféré ne pas en parler pour éviter de te choquer à la lecture de ma phrase d'accroche qui, au final, est très proche de la réalité.
Bien sûr, si tu dépenses moins de 800€ par mois avec ta carte et que les actions ne montent pas autant que prévu, tu gagneras moins d'argent.
Au contraire, si tu dépenses 1500€ par mois et que ton ETF te rapporte 9,5% par an sur 40 ans, tu dépasseras les 70 000€ de gains*.
😀 Dans tous les cas, c'est gratuit et cela ne te coûte rien du tout.
S'il n'y avait qu'une chose à retenir c'est que les petits ruisseaux font les grandes rivières.
Trade Republic propose ces outils pour t'aider à préparer la retraite que tu n'auras sûrement pas.
D'ailleurs, nous sommes alignés et c'est aussi pour cette raison que je propose autant de contenu pédagogique qui prône l'investissement long terme sur actions et ETF de qualité.
✅ Pour commencer à investir, préparer ta retraite et commander ta carte, ouvre un compte Trade Republic via ce lien https://t.co/Mg0yRLznhP et avec le code parrain gmk8g37m
*Les performances passées ne préjugent pas des performances futures
Dear non Starknet users (8,104,225,549 - 8 Starknet users = 8104225541),
I have few words for you, and I am begging you to listen (yeah I am the e-beggar now).
I want to give briefly my PERSONAL opinion / sentiment with respect to some FUD around Starknet, mainly on 2 topics:
- negativity / hate towards the first round of Provisions
- lack of activity on the network / 8 users
Simple questions and simple answers.
Did we do some mistakes in the past ?
Probably yes. If there is a vast sentiment like this, it must come from something. I personally did a big mistake in using the word e-beggar as reply to some individuals (i already apologised publicly for this but there is no ego here so I gladly double apologise again).
Starknet is bigger than me, Starknet is bigger than all of us. Yet Starknet is nothing without you all, this is a reality.
Did we do our best ?
Yes, definitely. We tried hard. All people involved in every single step took it very seriously and really did the maximum.
Could we have done better ?
Retrospectively it's easy to say yes, but I would say that probably we could have done better. It's always the case as nothing is perfect from the get go.
Do we care about this ?
Yes, absolutely. Lessons are learned all along the way. We try things, and it comes with some risks. We try, we learn, we improve, repeat.
What do next ?
I think it's time to forget about the past for those who are not happy, you may have good reasons to not be happy. And I am sincerely sorry about it, as of course I would dream of a world where everyone could have gotten something good for them. This world does not exist unfortunately. Time for all of us together to move forward. As communicated by the Starknet Foundation, the Provisions that happened was only the first, this means there will be others, and it was stated a while ago.
What can bring activity back to Starknet ?
Beside constantly improving the protocol that we will of course always do, there are many things. First, we shifted from investing heavily into only infrastructure to be ready now to double down on applications. Yes, applications are everything. We need apps, we have already some strong apps, but we need more.
We need more innovative use cases, we need more cool and funny things (many games are already there and many more are coming, including extremely ambitious and high quality games).
We need people to have fun on the network.
We need to have killer apps, consumer applications bringing real organic traffic and activity.
We need more RWAs. And you know what ? We are doing many things to bring exactly ALL of that. Starknet will be strong in many verticals: DeFi, Gaming, RWA, ZKML,...
I can tell you this will full confidence, and this is because of the sovereignty we have and the future proof technical choices (hard ones) we made. It took time to get there, but now that we have those solid foundations we will be in a good shape to reach escape velocity.
The past years of hard working and innovations were just a warmup. Now that the infrastructure is a good shape (TPS, very low fees, native AA with Paymaster and many killer UX features, security) it's time to double down on Apps. So, if you are a team / a single dev, working on any ecosystem, on any app, reach out to us. We will support you and guide you on how to make your dream App on Starknet.
We have a strong community, a very welcoming one. It's easy to get help and support. It's easy to create synergies between projects.
Starknet has a soul, it really has, and this will make a difference.
I am more confident than ever about the future of Starknet, and I want YOU to realise it's potential and to be part of this wonderful adventure.
Join us and become the ninth user.
#Only8Users #Ebeggar
🧵 Exploring the innovative solution to Impermanent Loss by a new Arbitrum project.
Dive into how liquidity providers can turn losses into gains. #DeFi#Arbitrum
PSA: Updated $DED afterlife roadmap details now up on the ##DOTisDED website. Lots of new info under these headlines...
Phase 1: Preparing for $DED
Phase 2: Deploying $DED
Phase 3: DED on arrival
Phase 4: DED afterparty
#notyourDEDnotyourDOT
https://t.co/BLvLmXjYK8
1/ Anons, if you are not $DED, it's time to become $DED. Here is a concise guide on positioning yourselves for ze snapshot.
First question: Wen snapshot, we don't know yet 🤷♂️
Besides that, there are a few things we actually know, so let's go 👇
Oh, hello
It's looking a lot like it might be time for the $DED to rise and get their game on...
Check out DED MINE; the first release from DED GAMES - a brick-breaker helping DEDbird in a quest to burrow to the surface and beyond — Powered by @Unique_NFTchain, and secured by @Polkadot! 💥
👾 *Start playing DED MINE HERE:*
🔗 https://t.co/P6MqH0E7ci
DED MINE - it's chapter one! Dive in head-first (literally!) as the DEDbird 🐦
Earn points, bounce and bash, pretend you're strategic, and collect ecosystem NFT pieces as you burrow upwards to the next level!
Oh, and leaderboards. Apart from fun, there might be something special there.
Though that would depend on how far you get, how long you survive, what collections you complete, and that sort of thing.
...Wonder what that will mean... 🏆
\(x∆*)/
-------
#DOTisDED #DEDmine #DEDgames
#notyourDOTnotyourDED
Here is my pledge to the $DED community, deeply rooted in Polkadot's ecosystem. This is more than just an #airdrop; it's our collective shout for a brighter Polkadot future. 🫂
Join the movement @dotisded - #notyourDOTnotyourDED 🫡