# Inderes Coffee Room (Part 10)
**URL:** https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288
**Category:** Viihde
**Tags:** kahvihuone, kahvihuone-osa-10
**Created:** [February 13, 2025, 1:15pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288 "2025-02-13T13:15:55Z")
**Posts on this page:** 20
**Page:** 344
### Author:  [@Wallet\_Buffet\_Omahan](https://forum.inderes.com/u/Wallet_Buffet_Omahan)
#### Post date: [September 26, 2025, 1:43pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7243 "2025-09-26T13:43:26Z")
> [@Zen65](#):
>
> That was an unfortunate comparison
That comparison by @Verneri_Pulkkinen can also be thought of in such a way that it’s not about where one is, but what one does. On the other hand, engaging in that discussion is unfortunate by default.
---
### Author:  [@CitizenJ](https://forum.inderes.com/u/CitizenJ)
#### Post date: [September 26, 2025, 2:34pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7244 "2025-09-26T14:34:32Z")
> [@samamies](#):
>
> According to recently published investments, it is precisely the purchase of direct shares that is rarer among women.
Women are smart and invest in an index as recommended. Men go with terrible hubris and buy all sorts of lottery tickets.
And here’s the result 😃
> According to data from the financial app Revolut, women in 2024 achieved better returns on their investments than men, both in Finland and elsewhere in Europe. In the European Economic Area (EEA), **women’s investment returns exceeded men’s by an average of 2.6 percent**.
>
> In Finland, women succeeded in their investments on average 0.4 percent better than men. However, Norwegian women were at the forefront of the Nordic countries, with investment returns as much as 12.5 percent better than men’s.
>
> Women aged 25–34 performed best in investing, with returns 3.2 percent better than men.
[Data reveals: Women’s investment returns better than men’s - Viisas raha](https://www.viisasraha.fi/sijoittaminen/data-paljastaa-naisten-sijoitustuotot-parempia-kuin-miesten/)
---
### Author:  [@Jarnis](https://forum.inderes.com/u/Jarnis)
#### Post date: [September 26, 2025, 2:50pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7245 "2025-09-26T14:50:06Z")
I blame men investing in all sorts of Hyzon-Voxtur-whatever strange concoctions for this statistical bias. 😠
You’re ruining the reputation of the rest of us with such investment blunders…
---
### Author:  [@Pohtis](https://forum.inderes.com/u/Pohtis)
#### Post date: [September 26, 2025, 2:24pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7246 "2025-09-26T14:24:41Z")
> [@Farseer](#):
>
> This question perhaps belongs in the Coffee Room due to its theme, but NoHo’s heavily marketed “Insider” event was yesterday, on which the company spent a hell of a lot of money and goodwill. So, was the event a hit or a flop?
Well, I do own NoHo, but such an event completely went past me. At least no invitation letter came. Or did one have to own at least 10,000 shares or something?
---
### Author:  [@Hapzu](https://forum.inderes.com/u/Hapzu)
#### Post date: [September 26, 2025, 3:02pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7248 "2025-09-26T15:02:37Z")
> [@Verneri\_Pulkkinen](#):
>
> 100% equity exposure is an expression that the world’s best ideas are already in the portfolio. Of course, one can sell stocks and buy others with money, but a small extra cash buffer is not necessarily a bad thing.
The bank offers leverage so you can get more of the best ones 💪 #protip
---
### Author:  [@Sauli\_Vilen](https://forum.inderes.com/u/Sauli_Vilen)
#### Post date: [September 26, 2025, 3:34pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7249 "2025-09-26T15:34:27Z")
Here, too, there has been a lot of talk about PE markets and products, so in this podcast, we delved into the wonderful world of PE together with Saku Sairanen from Fundco. PE is indeed a peculiar field. Usually, in the financial sector, people are extremely precise about costs and skeptical of all talk about excess returns (everyone knows how difficult it is). In PE, however, these things seem to lose their meaning, and costs don’t matter; all managers generate excess returns, and the question is mainly whose return is the highest. Some influencers in the industry seem to have an almost euphoric attitude towards PE. As I say in the podcast, I consider PE a very necessary financing channel for the economy and genuinely believe that good managers can create tremendous added value. At the same time, however, I argue that the gold rush of the last decade has gone overboard, and a large part of the investors who rushed into PE in recent years will be disappointed when the funds are finally liquidated sometime in the next decade…
So, put on your headphones and listen! 🎧
> **[Pääomasijoittaminen, vieraana Saku Sairanen | inderesPodi 239 - Inderes](https://www.inderes.fi/videos/paaomasijoittaminen-vieraana-saku-sairanen-or-inderespodi-239)**
>
> Aika: 26.09.2025 klo 18.23 Saulin vieraana podissa Saku Sairanen Fundcolta keskustelemassa private equitystä eli pääomasijoittamisesta.
---
### Author:  [@JP199](https://forum.inderes.com/u/JP199)
#### Post date: [September 26, 2025, 4:29pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7250 "2025-09-26T16:29:16Z")
> [@Pohjolan\_Eka](#):
>
> > [@Mikael\_Maijala](#):
> >
> > For weekend listening, Raharadio’s new episode is out! 😊
>
> 
>
> In my opinion, Raharadio has clearly surpassed inderesPod in listening enjoyment, and I always eagerly await the latest episode for Friday’s delight. Great work by the inderes boys and girls in launching this podcast format!
Raharadio is quite pleasant light listening on Fridays, but one really misses the content aimed at seasoned stock pickers and investment geeks from Inderespod😄 When will Verneri and Keskiväli’s podcast about Munger be released!
---
### Author:  [@Hermit](https://forum.inderes.com/u/Hermit)
#### Post date: [September 26, 2025, 4:32pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7251 "2025-09-26T16:32:27Z")
It’s like even if a company sold outhouses, in some overview, the CEO explains that AI will revolutionize the efficiency of going to the toilet, quantum computing analyzes the outputs on the fly, and they are just now expanding into the defense sector.
---
### Author:  [@Maikki1](https://forum.inderes.com/u/Maikki1)
#### Post date: [September 26, 2025, 4:46pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7252 "2025-09-26T16:46:42Z")
I, for one, was startled by the name of that women’s investment thread. It somehow felt like a strange or perhaps belittling idea that women need their own place to talk about investments. Women know how to invest, and what does gender even matter in investing? Facebook is full of women’s investment groups, and the content in them is quite minimal. Just jump straight into the deep end and start investing. There are many women here too who have absolutely formidable expertise, and I don’t believe they would be very keen on writing in a group specifically for women. I don’t even really read those, because knowledgeable people share information with everyone. And that suits everyone. Of course, I’d also welcome tips on what women invest in, but men’s opinions would also be welcome for that. Actually, it would be quite a fun idea to set up a men’s and women’s portfolio here for next year and see which portfolio has a better result after a year. And young people versus more experienced foxes. Traders versus holders. Analysts versus readers. At least it would be a pastime.
---
### Author:  [@Sijoittaja-alokas](https://forum.inderes.com/u/Sijoittaja-alokas)
#### Post date: [September 26, 2025, 4:49pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7253 "2025-09-26T16:49:18Z")
> [@Sauli\_Vilen](#):
>
> There has been a lot of talk here about PE markets and products, so in this podcast, we delved into the wonderful world of PE together with Saku Sairanen from Fundco. PE is indeed a peculiar field. Usually, in the financial sector, people are extremely precise about costs and skeptical about all talk of excess returns (everyone knows how difficult it is). In PE, however, these things seem to lose their meaning, and costs don’t matter, all managers make excess returns, and the question is mainly whose return is the highest. Some influencers in the industry seem to have an almost euphoric attitude towards PE. As I say in the podcast, I consider PE to be a very necessary financing channel for the economy and genuinely believe that good managers can create tremendous added value. At the same time, however, I argue that the gold rush of the last decade has gone overboard, and a large part of the investors who have rushed into PE in recent years will be disappointed when the funds are finally liquidated sometime in the next decade…
>
> Nothing else but headphones on and listen! 🎧
>
> [Pääomasijoittaminen, vieraana Saku Sairanen | inderesPodi 239 - Inderes](https://www.inderes.fi/videos/paaomasijoittaminen-vieraana-saku-sairanen-or-inderespodi-239)
Awesome, this came just in time for a Friday evening treat. 🙂
Thanks for this and have a pleasantly peaceful weekend everyone! 😊
---
### Author:  [@Monte\_Cristo](https://forum.inderes.com/u/Monte_Cristo)
#### Post date: [September 26, 2025, 5:16pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7254 "2025-09-26T17:16:43Z")
Yeah, and here too someone believed in the company when it announced it was aiming for the drone defense market… where did they even pull that from?.. I’m scared for people 🫣
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### Author:  [@Onni\_Maiha](https://forum.inderes.com/u/Onni_Maiha)
#### Post date: [September 26, 2025, 8:36pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7255 "2025-09-26T20:36:57Z")
The article is so convolutedly written that not even Erkki can figure out if it really means percentages in the yield differences as written, or percentage points. 🤔
---
### Author:  [@ljkangas](https://forum.inderes.com/u/ljkangas)
#### Post date: [September 26, 2025, 10:12pm UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7256 "2025-09-26T22:12:52Z")
> [@Sijoittaja-alokas](#):
>
> Look - five years and my percentage looks green - are you green with envy? 🤠
>
> 
Thanks, this was indeed an important point ❤ . I’ve taken so many hits and my portfolio has melted in recent years that I almost forgot that the 5-year return in my own portfolio is still nearly +50%, which one can be reasonably satisfied with. At least it’s better than the recent feeling about investing 😀 .
---
### Author:  [@Farseer](https://forum.inderes.com/u/Farseer)
#### Post date: [September 27, 2025, 2:08am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7257 "2025-09-27T02:08:10Z")
Posti has probably lost your invitation. I myself own exactly one share, and the invitation did arrive, albeit several days after the registration period began. It was indeed brought up in the NoHo chain, but many were sold out anyway.
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### Author:  [@KalleH](https://forum.inderes.com/u/KalleH)
#### Post date: [September 27, 2025, 6:23am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7258 "2025-09-27T06:23:15Z")
> **[Elokuva-arvio: Martin Scorsesen ohjaama Kuin raivo härkä on ylivertainen...](https://seura.fi/tv/elokuva-arvio-martin-scorsesen-ohjaama-kuin-raivo-harka-on-ylivertainen-nyrkkeilyelokuva/?shared%3D2126135-4a390f8f-1)**
>
> Kuin raivo härkä on psykologinen tutkielma miehestä, jonka sisällä kiehuva raivo teki hänestä kehässä mestarin ja yksityiselämässä häviäjän.
Yle is performing a cultural act and is now offering the classic in Areena.
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### Author:  [@Sijoittaja-alokas](https://forum.inderes.com/u/Sijoittaja-alokas)
#### Post date: [September 27, 2025, 6:50am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7259 "2025-09-27T06:50:59Z")
Here is Brian Feroldi’s thought-provoking tweet about the US bear and bull markets. 🙂
[https://x.com/BrianFeroldi/status/1971532377395450069](https://x.com/BrianFeroldi/status/1971532377395450069)
---
### Author:  [@Sijoittaja-alokas](https://forum.inderes.com/u/Sijoittaja-alokas)
#### Post date: [September 27, 2025, 8:34am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7260 "2025-09-27T08:34:13Z")
> [@Sienimies12](#):
>
> Nothing to add after all. Ignore. Thank you for sharing your thoughts. I just felt like asking for more specific justifications regarding the number of shares and leverage, as they didn’t seem to me to be based on anything other than personal preferences.
You can certainly ask @Jackwelshh and other interviewees. 🙂 They might answer if they have time and are able, etc.
* * *
On a general level, I’d say that sometimes not everyone has time or notices to reply. Of course, in some cases, for understandable reasons, some people don’t want to answer certain questions without there being anything strange about it. 🙂 So, this was not related to Jackwelshh or specifically to your questions. 🙂
---
### Author:  [@Jackwelshh](https://forum.inderes.com/u/Jackwelshh)
#### Post date: [September 27, 2025, 8:45am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7261 "2025-09-27T08:45:15Z")
@Sienimies12
Each of us has our own preferences, but they can also be based on well-reasoned viewpoints.
Leverage, in my opinion, suits relatively few people. If you have a long time horizon and good risk tolerance (e.g., a very secure job or the ability to certainly find work even with 10% unemployment), then 10% leverage can be completely reasonable.
However, Finns are often “lottery people,” so leverage may not lead to optimal results unless it is used with good risk management, diversification, and quality of investment targets.
Accumulating the option for downshifting in the coming years is a clear reason for me to give up leverage.
The number of stocks is a matter of taste, time usage, and a decision related to portfolio allocation planning.
Previously, I was willing to follow a larger group of companies, but now I want to free up time for other things. Diversification can also be implemented with indexes.
It’s not worth thinking that one of us is automatically “wrong” here. We both may have chosen the solutions best suited to our personal situations.
---
### Author:  [@Sienimies12](https://forum.inderes.com/u/Sienimies12)
#### Post date: [September 27, 2025, 9:06am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7262 "2025-09-27T09:06:29Z")
Well, I just brought this up because almost everything else except what’s related to leverage, the number of stocks, and board games could have been written by myself. I have 44 direct stock investments, and the reason is that I want to follow the world more broadly this way. To me, that’s added value in itself. My leverage, on the other hand, is about 10%, and this low level is only because Finns have always been scared of investing with debt.
---
### Author:  [@Perttu\_Hamalainen](https://forum.inderes.com/u/Perttu_Hamalainen)
#### Post date: [September 27, 2025, 9:36am UTC](https://forum.inderes.com/t/inderesin-kahvihuone-osa-10/59288/7263 "2025-09-27T09:36:17Z")
If anyone is at Vierumäki tonight, you can come say hi after 6 PM at the Golf Pavilion.
The nature of the event will help identify me.
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