{"id":2309,"date":"2024-03-11T19:12:24","date_gmt":"2024-03-11T19:12:24","guid":{"rendered":"http:\/\/localhost\/dpetkovski\/?p=2309"},"modified":"2024-07-03T18:35:04","modified_gmt":"2024-07-03T18:35:04","slug":"iwda-vs-vwce-and-vwrl-for-european-investors","status":"publish","type":"post","link":"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/","title":{"rendered":"IWDA vs VWCE and VWRL (For European Investors)"},"content":{"rendered":"<p>Building a one-fund portfolio is quite popular with European investors. That&#8217;s why the questions of IWDA vs VWCE or IWDA vs VWRL pop up quite often.<\/p>\n<p>Both IWDA and VWCE\/VWRL are part of <a href=\"https:\/\/www.degiro.ie\/fees\/etf-core-selection\">DeGiro&#8217;s core selection<\/a> of ETFs (traded free of charge), which makes them even more popular for smaller investors in the EU.<\/p>\n<p>In this post, I&#8217;ll cover the essential details for both ETFs and will give my take on the matter.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_60 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-67736811d6af5\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-67736811d6af5\"  type=\"checkbox\" id=\"item-67736811d6af5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#VWRL\" title=\"VWRL\">VWRL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#IWDA\" title=\"IWDA\">IWDA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#IWDA_vs_VWCE\" title=\"IWDA vs VWCE?\">IWDA vs VWCE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#Can_an_Investor_Do_Better\" title=\"Can an Investor Do Better?\">Can an Investor Do Better?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#Multi-ETF_is_Superior_to_Both_IWDA_and_VWCE\" title=\"Multi-ETF is Superior to Both IWDA and VWCE\">Multi-ETF is Superior to Both IWDA and VWCE<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#In_Summary\" title=\"In Summary\">In Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/#Further_Reading\" title=\"Further Reading\">Further Reading<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"VWRL\"><\/span>VWRL<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><em>Ticker symbols: VWRL, VWRD, VGWL; ISIN: IE00B3RBWM25<\/em><\/p>\n<p><strong>VWRL (Vanguard FTSE All-World UCITS ETF)\u00a0<\/strong>is an <a href=\"https:\/\/dpetkovski.com\/etfs-exchange-traded-funds\/\">ETF<\/a> by Vanguard that tracks the <strong>FTSE All-World<\/strong> <strong>index<\/strong>.<\/p>\n<p>It is a market-cap weighted ETF that tracks over 3700 companies from all around the world.<\/p>\n<p>Here&#8217;s a screenshot from the <a href=\"https:\/\/fund-docs.vanguard.com\/FTSE_All-World_UCITS_ETF_USD_Accumulating_9679_EU_INT_EN.pdf\">Factsheet of VWRL<\/a>, showing the top countries&#8217; distributions:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-2310\" src=\"http:\/\/localhost\/dpetkovski\/wp-content\/uploads\/2024\/03\/VWRLAllocation.png\" alt=\"iwda vs vwce\" width=\"1079\" height=\"247\" \/><\/p>\n<p>What&#8217;s special about VWRL is that it&#8217;s globally diversified, but also covers both <strong>developed markets\u00a0<\/strong>(US\/EU\/CA\/AU\/JP) and also <strong>emerging markets<\/strong>\u00a0(i.e. emerging Asia, Latin America, Middle East\/Africa).<\/p>\n<p>Its\u00a0<a href=\"https:\/\/dpetkovski.com\/total-expense-ratio-the-importance-of-keeping-it-low\/\"><strong>total expense ratio<\/strong><\/a> is 0.22% and it&#8217;s a <strong>distributing fund<\/strong> (paying dividends quarterly).<\/p>\n<p>For those that have a preference of accumulating funds instead, there&#8217;s <a href=\"https:\/\/www.vanguard.co.uk\/professional\/product\/etf\/equity\/9679\/ftse-all-world-ucits-etf-usd-accumulating\"><strong>VWCE<\/strong><\/a> &#8211; the accumulating equivalent of VWRL. Apart from the distribution policy, all other characteristics are the same.<\/p>\n<p>Due to these characteristics, VWRL\/VWCE is one of the go-to ETFs for many buy-and-forget investors.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IWDA\"><\/span>IWDA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><em>Ticker symbols: IWDA, SWDA, EUNL; ISIN: IE00B4L5Y983<\/em><\/p>\n<p><strong>IWDA (iShares Core MSCI World UCITS ETF)\u00a0<\/strong>is an iShares ETF that tracks the <strong>MSCI World<\/strong> <strong>index<\/strong>.<\/p>\n<p>It&#8217;s also a market cap weighted ETF that tracks over 1500 companies from over 20 countries.<\/p>\n<p>Here&#8217;s a screenshots of the geographic distribution of IWDA from the <a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251882\/ishares-msci-world-ucits-etf-acc-fund\">iShares website<\/a>:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-2311\" src=\"http:\/\/localhost\/dpetkovski\/wp-content\/uploads\/2024\/03\/IWDAAllocation.png\" alt=\"iwda vs vwce\" width=\"987\" height=\"537\" \/><\/p>\n<p>As you can see in the image, the main difference between IWDA and VWCE \/ VWRL is that IWDA only covers <strong>developed countries<\/strong>.<\/p>\n<p>IWDA is an\u00a0<strong><a href=\"https:\/\/dpetkovski.com\/accumulating-vs-distributing-etfs\/\">accumulating fund<\/a>\u00a0<\/strong>(reinvests the dividends) and has a slightly cheaper <strong>total expense ratio\u00a0<\/strong>of 0.2%.<\/p>\n<p>It&#8217;s one of the most commonly used ETFs by European investors, as it&#8217;s a straight-forward solution to achieve a thorough exposure across countries and sectors in the developed world.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"IWDA_vs_VWCE\"><\/span>IWDA vs VWCE?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Since many of the characteristics are based on personal preferences, I&#8217;ll only compare the objective parameters for both ETFs:<\/p>\n<h4 style=\"text-align: left;\">Diversification: <strong>VWCE wins<\/strong><\/h4>\n<p>VWRL invests in over 3700 companies across 50 countries. IWDA invests in over 1500 companies across 23 first-world countries.<\/p>\n<h4 style=\"text-align: left;\">Cost: <strong>IWDA wins<\/strong><\/h4>\n<p>IWDA&#8217;s TER is 0.2% while VWRL&#8217;s TER is 0.22%.<\/p>\n<h4 style=\"text-align: left;\">Conclusion:\u00a0<strong>Undefined.<\/strong><\/h4>\n<p>No surprises. It always comes down to <em>&#8220;it depends&#8221;<\/em>. The inclusion of <a href=\"https:\/\/dpetkovski.com\/the-best-emerging-market-etf-for-europeans\/\">emerging markets<\/a> and picking distribution policies comes down to personal preferences.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_an_Investor_Do_Better\"><\/span>Can an Investor Do Better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Both IWDA and VWCE are great ETFs, but seasoned investors should not disregard the importance of <strong><a href=\"https:\/\/dpetkovski.com\/investing-expenses-full-breakdown\/\">keeping expenses low<\/a><\/strong>.<\/p>\n<p>Thus my answer to the VWRL\/VWCE vs IWDA dilemma is:<\/p>\n<p><strong>Neither.<\/strong><\/p>\n<p>The attachment to a one-fund portfolio, given the available alternatives, seems like an emotional decision rather than a rational one.<\/p>\n<p><strong>My recommendation:\u00a0<\/strong>build a portfolio using multiple cheaper ETFs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Multi-ETF_is_Superior_to_Both_IWDA_and_VWCE\"><\/span>Multi-ETF is Superior to Both IWDA and VWCE<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4>1. The Cost<\/h4>\n<p>First of all, there are ETF that cover the greater part of IWDA&#8217;s and VWRL&#8217;s portfolios, and cost only 0.07% (CSPX, VUSA, IUSA).<\/p>\n<p>Given that they&#8217;re ~3 times cheaper, this should be the first indicator that we can do better in terms of costs. Actually, if you combine a handful of ETFs, you can achieve the same allocation and performance as any global ETF for a fraction of the cost.<\/p>\n<p>Here&#8217;s a sample portfolio that would perform similarly to VWRL:<\/p>\n<ul>\n<li><strong>62% <\/strong><strong>VNRA (Vanguard FTSE North America UCITS ETF)<\/strong>, TER of 0.1%<\/li>\n<li><strong>15% <\/strong><strong>IMEA (iShares Core MSCI Europe UCITS ETF)<\/strong>, TER of 0.12%<\/li>\n<li><strong>12% <\/strong><strong>EIMI (iShares Core MSCI EM IMI UCITS ETF)<\/strong>, TER of 0.18%<\/li>\n<li><strong>6% SJPA<\/strong>\u00a0<strong>(iShares MSCI Japan ETF)<\/strong>, TER of 0.15%<\/li>\n<li><strong>5% <\/strong><strong>VDPX<\/strong> <strong>(Vanguard FTSE Developed Asia Pacific ex Japan UCITS ETF)<\/strong>, TER of 0.15%<\/li>\n<\/ul>\n<p>Or an alternative one targeting developed markets:<\/p>\n<ul>\n<li><strong>85% CSPX (iShares S&amp;P 500 UCITS ETF), <\/strong>TER of 0.07%<\/li>\n<li><strong>15% IMEA (iShares Core MSCI Europe UCITS ETF)<\/strong>, TER of 0.12%<\/li>\n<\/ul>\n<p>It drops certain regions\/countries but keeps it simpler and <strong>drastically<\/strong> cheaper (total expense below 0.1%).<\/p>\n<h4>2. Geographical Exposure<\/h4>\n<p>All these ETF cover specific regions of the world, which means each of them separately is less diversified than IWDA or VWRL.<\/p>\n<p>However, investors can achieve a similar geographical exposure by including ETFs to cover the regions of interest. As we did above, this may mean <a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/253743\/ishares-sp-500-b-ucits-etf-acc-fund\">CSPX<\/a> for the US, <a href=\"https:\/\/www.ishares.com\/ch\/individual\/en\/products\/251861\/ishares-msci-europe-ucits-etf-acc-fund\">IMEA<\/a> for Europe, <a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251858\/ishares-msci-emerging-markets-ucits-etf-acc-fund\">SEMA<\/a>\/<a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/264659\/ishares-msci-emerging-markets-imi-ucits-etf\">EMIM<\/a> for emerging markets, etc.<\/p>\n<p>So buying the more expensive ETF just to avoid <a href=\"https:\/\/dpetkovski.com\/rebalancing-managing-your-investment-portfolio\">rebalancing<\/a> once per year sounds irrational to me, but I understand that some investors still want to pay for simplicity of having a one-fund portfolio.<\/p>\n<h4>3. Asset Allocation Flexibility<\/h4>\n<p>Going with multiple lower-cost ETFs <strong>greatly<\/strong> increases your flexibility regarding allocation choices.<\/p>\n<p>If an investor prefers a higher US allocation than the one offered by VWRL, he&#8217;ll need to buy an extra US ETF and <em>&#8220;overdiversify&#8221;<\/em>. Instead, going with CSPX\/IMEA from the start, he can choose how much US\/EU exposure is adequate. And you can choose whether you want to lean more towards IWDA or towards VWRL, by adding an EM ETF or not.<\/p>\n<p>When unsure, ask yourself the following question: <em>would I invest in New Zealand if it weren&#8217;t a part of VWRL?<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"In_Summary\"><\/span>In Summary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Everyone is free to choose what they value most, but there&#8217;s a fact that can&#8217;t be ignored:<\/p>\n<p><strong>A long-term passive portfolio will perform best over the decades if it&#8217;s optimized for a single parameter: <\/strong><\/p>\n<h4 style=\"text-align: center;\"><strong>The cost.<\/strong><\/h4>\n<p>My preferences aside, I&#8217;d still recommend VWCE and IWDA to beginners that just <em>&#8220;want to be done with it&#8221;.\u00a0<\/em>No\u00a0<a href=\"https:\/\/dpetkovski.com\/asset-allocation-finding-your-ideal-distribution\/\">asset allocation<\/a> concerns, no\u00a0<a href=\"https:\/\/dpetkovski.com\/rebalancing-managing-your-investment-portfolio\">rebalancing<\/a>, and no burden of\u00a0<a href=\"https:\/\/dpetkovski.com\/dividend-investing-is-for-suckers\/\">dividend taxes<\/a>.<\/p>\n<p>But for the seasoned investors that got attached to holding a single ETF &#8211;\u00a0I recommend giving a 2-3-fund portfolio a chance.<\/p>\n<p>To read why I prefer CSPX to other US ETFs (such as VUSA or IUSA), <strong><a href=\"https:\/\/dpetkovski.com\/cspx-vs-vusa-vs-iusa-my-thoughts\/\">click here<\/a>.<\/strong><\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Further_Reading\"><\/span>Further Reading<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you want more amazing posts on UCITS ETFs, check out the following links:<\/p>\n<ul>\n<li><a href=\"https:\/\/dpetkovski.com\/replicating-vwce-optimize-for-cost-and-performance\/\">Replicating VWCE &#8211; Optimize for Cost and Performance<\/a><\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/core-stock-portfolio-for-eu-investors-etf-selection-tips\/\">Core Portfolio for EU Investors (ETF Selection &amp; Tips)<\/a><\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/cspx-vs-vusa-vs-iusa-my-thoughts\">CSPX vs VUSA vs IUSA &#8211; My Thoughts<\/a><\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/the-best-emerging-market-etf-for-europeans\/\">The Best Emerging Market ETFs for Europeans<\/a><\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/northern-trust-funds-vs-etfs-full-comparison\">Northern Trust Funds vs ETFs &#8211; Full Comparison<\/a><\/li>\n<li><a href=\"https:\/\/dpetkovski.com\/cspx-vs-sxr8-whats-the-difference\">CSPX vs SXR8 &#8211; What&#8217;s the Difference<\/a><\/li>\n<\/ul>\n<p><em>For more intermediate EU investing posts, visit: <a href=\"https:\/\/dpetkovski.com\/eu-investors-handbook\/\"><strong>EU Investors Handbook<\/strong><\/a>.<\/em><\/p>\n<p><em>If these posts are too advanced for you, visit: <\/em><strong><a href=\"https:\/\/dpetkovski.com\/how-to-start-investing-a-complete-beginner-series\/\"><em>How to Start Investing: A Complete Beginner Series<\/em><\/a>.<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Building a one-fund portfolio is quite popular with European investors. That&rsquo;s why the questions of IWDA vs VWCE or IWDA vs VWRL pop up quite often. Both IWDA and VWCE\/VWRL are part of DeGiro&rsquo;s core selection of ETFs (traded free of charge), which makes them even more popular for smaller investors in the EU. In&nbsp;&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2312,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,17],"tags":[],"ppma_author":[4],"class_list":["post-2309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-stocks-etfs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IWDA vs VWCE and VWRL (For European Investors) - D. Petkovski<\/title>\n<meta name=\"description\" content=\"IWDA vs VWCE is the most common question beginner European investors ask. Having a one-fund portfolio is simple... But comes at a cost.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"IWDA vs VWCE and VWRL (For European Investors) - D. Petkovski","description":"IWDA vs VWCE is the most common question beginner European investors ask. Having a one-fund portfolio is simple... 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Petkovski","@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"headline":"IWDA vs VWCE and VWRL (For European Investors)","datePublished":"2024-03-11T19:12:24+00:00","dateModified":"2024-07-03T18:35:04+00:00","mainEntityOfPage":{"@id":"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/"},"wordCount":1086,"publisher":{"@id":"http:\/\/localhost\/dpetkovski\/#\/schema\/person\/ce4d9bf1ba43635723c9d1b513b58049"},"articleSection":["Investing","Stocks &amp; ETFs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/","url":"http:\/\/localhost\/dpetkovski\/iwda-vs-vwce-and-vwrl-for-european-investors\/","name":"IWDA vs VWCE and VWRL (For European Investors) - D. 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Petkovski","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","user_url":"","last_name":"","first_name":"","description":"<span style=\"font-size: 23px\">D. Petkovski<\/span> <br> <br>\r\n\r\n\ud83d\udcd3 The Author\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0  \u00a0 \u00a0 \u00a0 \u00a0<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f46a.svg\" alt=\"\ud83d\udc6a\" \/> Husband &amp; Father <\/span>\r\n<br>\r\n<span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f5a5.svg\" alt=\"\ud83d\udda5\ufe0f\" \/> Software Engineer\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4aa.svg\" alt=\"\ud83d\udcaa\" \/><\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0StrengthCentric <\/span>\r\n<br>\r\n<span class=\"r-18u37iz\"><img class=\"r-4qtqp9 r-dflpy8 r-zw8f10 r-10akycc r-h9hxbl r-9cviqr\" src=\"https:\/\/assets.coingecko.com\/coins\/images\/1\/large\/bitcoin.png?1696501400\" alt=\"\u20bf\" width=\"20\" height=\"20\" \/><\/span> \u20bfitcoin <span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">Hodler\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0   \u00a0                            \u00a0 \u00a0 \u00a0<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\"><img class=\"emoji\" role=\"img\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f4c8.svg\" alt=\"\ud83d\udcc8\" \/><\/span>\u00a0<span class=\"r-18u37iz\">Long-Term Investor<\/span><span class=\"css-1qaijid r-bcqeeo r-qvutc0 r-poiln3\">\u00a0<\/span>\r\n<br>\r\n\ud83c\udf0d Everything Enthusiast              \u00a0 \u00a0 \u00a0 \u00a0   \u00a0 \u00a0 \u00a0              \u00a0   \u00a0\ud83d\udd25 Optimist <br>\r\n\r\n<p style=\"text-align: left;margin-top:35px\"><a href=\"https:\/\/dpetkovski.com\/about\"><span style=\"background: #15d798;border-radius: 11px;padding: 13px 27px;color: #ffffff;font-weight: bold;font-size: 20px\">READ MORE<\/span><\/a><p>"}],"_links":{"self":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/comments?post=2309"}],"version-history":[{"count":8,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2309\/revisions"}],"predecessor-version":[{"id":3435,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/posts\/2309\/revisions\/3435"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media\/2312"}],"wp:attachment":[{"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/media?parent=2309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/categories?post=2309"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/tags?post=2309"},{"taxonomy":"author","embeddable":true,"href":"http:\/\/localhost\/dpetkovski\/wp-json\/wp\/v2\/ppma_author?post=2309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}