In recent weeks, I have been able to lower my entry prices for individual stocks here and there ( $HNR1 (+0.28%)
$CNR (+0.37%)
$NOVO B (-1.79%)
$DTE (+1.06%)
$VICI (+1%)
$ADP (+0.36%) ), but I still think the market as a whole is currently somewhat overvalued. I will therefore be using less of the variable portion of my savings rate to buy individual shares over the next few quarters.

The central banks are a little more reluctant to cut interest rates, so hopefully there will be good opportunities to buy bonds for a few more months, which I would like to finance with the cuts in the savings rate for individual shares.

This month I have already added to my French bonds and will continue to do so, as they are currently trading at historically low levels. Although interest rates are falling, the risk premium for French government bonds is rising due to the budget deficits, which naturally causes the price to fall. However, as I do not believe that the solvency of the state is seriously at risk, I am taking advantage of the low quotation to achieve a price return in addition to the coupon. During the negative interest rate phase, the bond quoted at over 230% at times.