DanglingPointer

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About DanglingPointer

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  • Location Munich
  • Nationality Indian
  1. Tesla Gigafactories, News and Conversation

    TSLA removed from the S&P 500 ESG stock. Stock diving down: https://www.handelsblatt.com/unternehmen/authersteller-tesla-fliegt-aus-sundp-nachhaltigkeitsindex-musk-empoert/28356616.html   Any idea whats going on? Is it short term?
  2. Electric vehicles in Germany - all the ins-and-outs!

      I charge my car on public charging mostly SWM and Supercharger which costs me between 0.49 €/kwh to 0.69 €/kwh.   What are typical costs of charging for people living in Munich who have charging infrastructure at home garage?
  3. Dear TTers I have a question about investments in Germany. Till now I have bought few stocks here and there on my own and sometimes sold them to earn some money. Wirecard was an exception though 😃 Some stocks I have kept for long term but its still not a very big investment. May be I might buy few now as some of them look quite lucrative for long term, but I had not much knowledge about ETFs or Index funds.   My Situation:   Right now in early 40s with both me and my wife working, we have now started thinking about Retirement and Pension. Since we both started working in Germany since last 6 years, we joined the pension system quite late and might not get adequate pension by the time we both retire. We bought a house recently for which we get the possession next year. We have a big mortgage to pay for next 27 years until we retire, but in case of both of us continue to work, I don’t see any problem there.   I have an account in Deutsch Bank and they keep on calling every year to explain some investment options. Finally I had a meeting with them last week. The guy explained me some pension and investment plans. He said I can start with small amount like 200-300 € per month and pay into that plan for long term like 15-30 years. Based on historic calculations, he showed me that, if I pay 300€ per month from now by the time I am 67 the fund value could be 400K€. Off course you pay taxes on the profit but it also depends what type of plan it is. There are some tax saving options too.   He said right now the costs are very low and on the high level average return per year was 8.x% which includes cost of upto 1.7% (This includes both fund cost and management fees by DB(. So the effective returns comes out to around 6.5%.   I wanted to know if it is good idea to invest some part of money in such funds. I can and will still invest into stocks on my own, but I wanted to safeguard some money as in case of DB they will manage the fund and I don’t have any headache apart from 1.7% costs. Are these costs too much or it is like that in other banks also?   For e.g.  He showed a Dynamic Fund which has high returns and high risks, but have done really well in last 20-30 years. It’s a Dynamic mode which invest 98% in Stocks and 2% in Bonds. It invests in Blue Chip American companies. Off course we can switch the plans or funds anytime we want free of charge:     I want to know from the experienced financial people what should I do in my situation, to have some peace by the time I retire. I don’t mind paying 200-300€ per month if overall it’s a good plan. We can afford it right now and if we cannot there are no charges either, if we don’t pay any more to the fund. Any pointers are welcome.     TIA  
  4. Electric vehicles in Germany - all the ins-and-outs!

    Meanwhile, Elon should see this and can capture e-bike market also :D   https://www.youtube.com/watch?v=QEqoIna6mn4
  5. Electric vehicles in Germany - all the ins-and-outs!

    Thanks, but yeah then how do we find which companies are operating behind. For e.g. below are some of the charging infra stocks which I expect, will grow as the trend for EV is growing. Also, it would be good to diversify other than TSLA as some of the other EV makers are at a price where TSLA was few years ago. So the growth potential would be tremendous.   Blink Charging Co (BLNK) Allego N.V. (ALLG) Rivian Automotive (RIVN) Charge Point Holdings (CHPT)  -> Aggressive growth EVGO stock – Renewable Energy Charging Stations
  6. Electric vehicles in Germany - all the ins-and-outs!

    Came across this today. I think it might be good to invest in EV companies and companies who provide EV Chargin Infrastructure in next few years. Apart from Tesla, who is the second best, Nio, Xpeng? Any inputs.  
  7. Tesla Gigafactories, News and Conversation

    Did anyone apply Film/Tint to Model 3 rear windows and rear glass? Does it help in summer? Any recommendation in Munich?
  8. Electric vehicles in Germany - all the ins-and-outs!

    Today I received 300€ for registering my EV with geld-fuer-eAuto. I know, they sell your CO2 credit, but I am not sure if there is any harm of doing so. In case anyone want to get it, you can use the below link to join https://geld-fuer-eAuto.de/ref/BEMDZRGT     This is how it works. https://geld-fuer-eauto.de/#services
  9. Tesla Gigafactories, News and Conversation

    Today I received 300€ for registering my EV with geld-fuer-eAuto. I know, they sell your CO2 credit, but I am not sure if there is any harm of doing so. In case anyone want to get it, you can use the below link to join https://geld-fuer-eAuto.de/ref/BEMDZRGT     This is how it works. https://geld-fuer-eauto.de/#services
  10. Tesla Gigafactories, News and Conversation

    Is there any app to find Tesla super charger near any location? For e.g. I plan to travel to Hallstatt from Munich and also to some places in Italy during easter. When I use ABRP or Tesla super charger it shows me where to stop etc. but how can I find superchargers/charging infrastructure around my destination. I can see it on maps, but is there an app where it list down superchargers nearby?    
  11. Changing car tires

    When do we change back to summer tires? End of March?
  12. Tesla Gigafactories, News and Conversation

    Yeah, I know the benefits and I think my wife had the membership for a couple of years when she got new DL. Later on we cancelled as we thought that its not required for new car and on top Insurance also provides the breakdown cover and some other roadside assistance. May be, for the warranty period Tesla also provides assistance in case of emergency.    
  13. Tesla Gigafactories, News and Conversation

    Thanks @MikeMelga Vaterstetten is good and easily reachable.   @CincyInDE Can you use ADAC to charge at SWM also? Do I need to become ADAC member to use it?
  14. Tesla Gigafactories, News and Conversation

    Yes. Depending on city charging alone doesn't seem the best option in the long run and this was bound to happen. I have written to my landlord couple of times about installing a charger in our parking, but she just ignores the email all the time. For all other emails she answers quickly.   I live in the east of Munich near Trudering and hence all the superchargers are a bit far. At least now I will try to consume my 500 km supercharger miles before expiry. Olympia Einkauf and Pasing has fast charging. The other three has 14kw or 22kw connections.   In future, I expect our work place to install something for employees. Right now they just allow it for office cars or to c-levels.
  15. Tesla Gigafactories, News and Conversation

    Received an email from SWM today and charging prices are going to increase from  0,38 €/kWh to  0,49 €/kWh (AC) and  0,69 €/kWh (DC) This is really crap considering the already high energy costs in Germany and a bit of poor charging Infrastructure.   This will increase the cost significantly for people like me, who are totally dependent on public charging network. I am not sure what are the other options.   Also, why I said poor charging Infrastructure is because of the maintenance. I see a lot of charging places which broke down have not been repaired since months. There is an SWM charging point on the back side of Riem Arcarden which is not working for so many months.  There is a free charging station in Aldi on Truderiger Str. which is also not working for so many months.  Nobody cares to repair these. Some SWM charging places are sometimes occupied by Non EV Cars. This is also frustrating at times.   When I bought Tesla in August, I had this thought in mind that when everyone will switch to EVs the providers will increase the electricity prices. I don't know why the govt in Germany is so incapable to control the prices, whether its housing or electricity