name: investing version: 1.0.0 description: Personal investing assistant for Lithuanian investors. Monitors markets, ETFs, crypto, pension funds (III pakopa), and provides monthly investment suggestions based on research and market conditions. author: Buba Draugelis license: MIT tags:

finance
investing
etf
crypto
lithuania
pension metadata: openclaw: emoji: "💰"

Investing Skill

A comprehensive investing assistant tailored for Lithuanian investors, inspired by šešiNuliai.lt philosophy.

Core Philosophy

Based on evidence-based, passive investing:

VWCE & Chill - Simple, low-cost global ETF strategy
Long-term focus - 10+ year investment horizon
Diversification - Across asset classes and geographies
Low costs - Minimize fees, maximize returns

Asset Allocation Framework

Recommended Portfolio (Moderate Risk)

📊 Sample Allocation:
├── 70% Stocks (ETFs)
│   ├── 50% VWCE (All-World)
│   ├── 15% IXUS (Ex-US) or EIMI (Emerging)
│   └── 5% Small Cap Value
├── 10% Bonds
│   └── AGGH or Government Bonds
├── 10% Crypto
│   ├── 8% Bitcoin
│   └── 2% Ethereum
└── 10% Cash / Short-term
    └── Savings accounts, MMF

Adjust based on:

Age (younger = more stocks)
Risk tolerance
Time horizon
Income stability

Data Sources

Lithuanian Sources

šešiNuliai.lt - Personal finance blog (LT)
Investuok.eu - Investment news (LT)
Vz.lt - Business news (LT)
Delfi Verslas - Business section

International Sources

Bogleheads - Passive investing community
r/eupersonalfinance - EU-focused Reddit
JustETF - ETF comparison tool
Portfolio Visualizer - Backtesting

Market Data

Yahoo Finance - Stock/ETF prices
TradingView - Charts
CoinGecko - Crypto prices
ECB - EUR exchange rates, interest rates

Scripts

check-etf-prices.sh

#!/bin/bash
# Check key ETF prices
echo "📈 ETF Prices - $(date '+%Y-%m-%d')"
echo "================================"

# VWCE - Vanguard FTSE All-World
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/VWCE.DE" | \
  jq -r '"VWCE: €" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# EIMI - iShares Emerging Markets
curl -s "https://query1.finance.yahoo.com/v8/finance/chart/EIMI.L" | \
  jq -r '"EIMI: £" + (.chart.result[0].meta.regularMarketPrice | tostring)'

# Bitcoin
curl -s "https://api.coingecko.com/api/v3/simple/price?ids=bitcoin&vs_currencies=eur" | \
  jq -r '"BTC: €" + (.bitcoin.eur | tostring)'

monthly-dca.sh

#!/bin/bash
# Calculate monthly DCA amounts
BUDGET=${1:-500}  # Monthly investment budget

echo "💰 Monthly DCA Plan - €$BUDGET"
echo "================================"
echo "VWCE (70%):   €$((BUDGET * 70 / 100))"
echo "EIMI (10%):   €$((BUDGET * 10 / 100))"
echo "BTC (10%):    €$((BUDGET * 10 / 100))"
echo "Cash (10%):   €$((BUDGET * 10 / 100))"

Monthly Investment Workflow

1. Market Check (5 min)

Run: check-etf-prices.sh
Check: Any significant drops (>10%) = buying opportunity

2. News Scan (10 min)

Scan:
- šešiNuliai.lt - new posts?
- r/eupersonalfinance - hot topics?
- ECB announcements - rate changes?

3. Execute DCA (5 min)

Run: monthly-dca.sh [budget]
Execute trades via:
- Interactive Brokers (ETFs)
- Bitstamp/Kraken (Crypto)

4. Record & Reflect (5 min)

Update:
- Portfolio tracker spreadsheet
- Note any deviations from plan
- Review annual progress

III Pakopa (Pension) Strategy

When III Pakopa Makes Sense

Employer contribution - Free money, always take it
High tax bracket - 32%+ marginal rate
Long horizon - 15+ years to retirement
Old contract - Pre-2019 rules may be better

Recommended Funds

Fund	TER	Notes
Goindex III pakopa	0.40%	Index-tracking, low cost
Swedbank Index	0.45%	Also index-based
Luminor Index	0.50%	Decent alternative

Avoid: High-fee active funds (1%+ TER)

Yearly Optimization

Max out employer match first
Calculate tax benefit vs fees
Consider personal IBKR account for overflow
Review fund performance annually

Crypto Strategy

Core Holdings (90% of crypto allocation)

Bitcoin (BTC) - 80% of crypto
Ethereum (ETH) - 20% of crypto

Rules

Never more than 10% of total portfolio
DCA monthly, don't time the market
Self-custody for large amounts (Ledger/Trezor)
Hold through cycles (5+ years)

Where to Buy (EU)

Bitstamp - Low fees, EU regulated
Kraken - Good security, SEPA
Coinbase - Easy, but higher fees

Emergency Fund

Before investing, ensure:

Emergency Fund = 3-6 months expenses
Location: High-yield savings account
Current best rates (LT):
- Swedbank Taupomasis: ~3%
- SEB Taupomoji: ~2.5%
- Revolut Savings: ~3.5%

Tax Considerations (Lithuania)

Capital Gains

15% tax on gains
Holding period: No benefit for long-term (unlike US)
Losses: Can offset gains in same year

III Pakopa Tax Benefits

Contribution: Deduct from taxable income (up to €1,500/year)
Withdrawal: Taxed at 15% (or 0% if after retirement age)

Crypto

15% on realized gains
Track cost basis carefully
Report in annual declaration

Cron Jobs

Daily Price Alert

{
  "name": "Daily Market Check",
  "schedule": { "kind": "cron", "expr": "0 9 * * 1-5" },
  "payload": {
    "kind": "agentTurn",
    "message": "Check VWCE, BTC prices. Alert if >5% change from yesterday."
  }
}

Monthly Investment Reminder

{
  "name": "Monthly DCA Reminder",
  "schedule": { "kind": "cron", "expr": "0 10 1 * *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Monthly DCA time! Check budget, run monthly-dca.sh, execute trades."
  }
}

Quarterly Review

{
  "name": "Quarterly Portfolio Review",
  "schedule": { "kind": "cron", "expr": "0 10 1 1,4,7,10 *" },
  "payload": {
    "kind": "agentTurn",
    "message": "Quarterly review: Check allocation drift, rebalance if >5% off target, update spreadsheet."
  }
}

Resources

Books

"The Simple Path to Wealth" - JL Collins
"A Random Walk Down Wall Street" - Burton Malkiel
"The Bogleheads' Guide to Investing"

Websites

šešiNuliai.lt (LT)
Bogleheads.org
JustETF.com
r/eupersonalfinance

Tools

Portfolio Visualizer (backtesting)
IBKR (brokerage)
Notion/Sheets (tracking)

Disclaimer

This is not financial advice. Do your own research. Past performance does not guarantee future results. Investing involves risk of loss.

Skill created based on research from šešiNuliai.lt, Bogleheads, and EU personal finance communities.

Investing

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