$LYPG - I would like your opinion, maybe you even have another idea.

I'm toying with the idea of "parting" with my shares in the tech sector ETF mentioned and have recently been going through a few options.

Background: In the meantime, I think I'm too IT-heavy, I'm also buying individual stocks in parallel (60-70% ETFs) and would like to diversify more and also reduce the lumpy USA risk somewhat. Furthermore, I now find the TER a little too high, the synthetic replication also harbors risks that should not be neglected and I am no longer 100% behind it. This currently applies to sector ETFs in general.

On the other hand, of course, there is the current good performance (what else) and potential taxes when selling.

I'm toying with the following ideas, what do you think?

a) 👍 Sell my shares, take the profits and pay taxes, put the sum into the $VWCEwhich I am also saving for

b) ❤️ stop saving in it and leave it and not take any profits (and only sell it if it falls again so far that the taxes to be paid are minimal). To increase the savings plan of the $VWCE increase

c) 🚀 Throw thoughts overboard and continue to save via a savings plan, but reduce tech individual shares if necessary.

d) ...?

Thank you for your (honest) opinions.

#sektoren
#etf
#etfs
#vwce
#tech
#it
#vanguard
#amundi

What use cases does crypto have and how can they be classified?

#krypto
#klassifizieren
#sektoren#anwendungsfälle
#anwendung

That was a question I asked myself in order to be well diversified. I did some research on this and came to the following conclusion:

There are a multitude of use cases for cryptocurrencies. Here are some of these use cases and corresponding examples of cryptocurrencies:

1. **Digital assets and stores of value**:

- Bitcoin (#btc) - The original cryptocurrency often serves as digital gold and store of value.

2 **Decentralized Finance (DeFi)**:

- Ethereum (#eth ) Enables the creation of decentralized finance applications, including loans, liquidity pools and more.

3. non-fungible tokens (NFTs)**:

- CryptoKitties (#kitty), Decentraland #mana used for unique digital assets and virtual worlds.

4. **Smart Contracts**:

- Ethereum (#eth ), Cardano (#ada ) - Self-executing contracts that automatically trigger certain actions when conditions are met.

5 **Payments and transactions**:

- Litecoin (#ltc), Ripple (#xrp) - For fast and inexpensive peer-to-peer payments.

6 **Privacy and anonymity**:

- Monero (#xmr), Zcash (#zec) - Provides enhanced privacy and anonymity for transactions.

7 **Platforms for decentralized applications (DApps)**:

- Binance Coin (#bnb ),Solana (#solana) - Enables the development of decentralized applications on its platforms.

8. **Energy-efficient cryptocurrencies**:

- Cardano (#ada), Algorand (#algo) - Use small amounts of energy compared to Bitcoin, for example.

9. **Stable coins**:

- Tether (#usdt), USD Coin (#usdc ) - Designed to provide a stable store of value.

10 **Supply Chain and Logistics**:

- VeChain (#vet ), Waltonchain (#wtc ) - Enable tracking and authentication of products along the supply chain.

11 **Identity management**:

- Civic (#cvc), SelfKey (#key ) - Manage and verify digital identities securely.

12. **Gaming and entertainment**:

- Enjin (#enj), Chiliz (#chz) - Use cryptocurrencies in video games and sports and entertainment applications.

This list is probably not exhaustive as the use cases of cryptocurrencies and blockchain technology are diverse and constantly evolving. Each cryptocurrency can cover multiple use cases or specialize in a specific area.

Feel free to add more 🙂