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2,936On Friday I was interviewed by Tobias Kramer

New overpriced Shitcoin: CHF 100 Goldvreneli 😂
[...]The "100 years of the 100-franc Vreneli" anniversary edition will be available from July 1, 2025. With its masterful design, the gold coin impressively combines tradition and modernity. [...]
Can now be purchased via Ricardo from CHF 9000.
Simply prefer $BTC (+0.16%) or a gold ETF ($GLD (+0.12%)) or buy "normal" #gold...😂
Sources:
https://www.swissmint.ch/de/100-jahre-vreneli
https://www.ricardo.ch/de/a/100-jahre-100-franken-vreneli-1292590492/


Portfolio for early retirement?
Dear Community,
I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.
First of all, my situation:
I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.
I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.
I follow the following strategy: Buy & Hold
What do I invest in each month?
- $IWDA (-0.9%) 234€ per month
- $EIMI (-1.09%) 90€ monthly
- $SMEA (-1.03%) 70€ monthly
- $EWG2 (+0.16%) 65€ monthly
- $BTC (+0.16%) : 42€
I also save through VL benefits:
- $VHYG (-0.64%) 35€ per month (13.29 AG share)
All dividends from all securities are reinvested in $TDIV (-0.87%) .
This brings me to a total of €536. A crooked figure, that's true, but it works best for me.
The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.
My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.
I'd be interested to hear your opinion on this in the comments!
$IWDA and $EIMI is a solid basis for a portfolio :)
$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)
The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.
Podcast episode 96 "Buy High. Sell Low."
00:00:00 FED, Jerome & Donny
00:29:31 Coinbase & Circle
00:47:10 NASDAQ 100 & S&P 500
01:05:00 Half-year review
01:50:00 Bitcoin
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Market Turns Red Amid Global Caution and U.S. Job Data Anticipation
Global stock markets are facing a wave of uncertainty today, and the Dutch AEX index is no exception. Shares of major players like $ASML (-2.04%) and $ADYEN (-1.16%) are under pressure, with ASML notably hit after a critical analyst report. Meanwhile, investors are eyeing key U.S. economic figures expected later this week, including the crucial jobs report. A mix of recent signals—such as declining GDP and rising unemployment claims—has led to caution across global markets.
Adding to the tension is the renewed trade friction between the U.S. and the EU. Washington has imposed fresh import tariffs of up to 25% on European goods like steel and aluminum, prompting swift countermeasures from Brussels targeting iconic American products such as jeans, motorcycles, and whiskey. These escalating tariffs are fueling fears of a broader trade war, which could weigh heavily on transatlantic business and consumer prices.
Interestingly, capital seems to be shifting away from crypto, reinforcing a “risk-off” sentiment. The red day reflects not panic, but strategic hesitation. $BTC (+0.16%)
$ETH (+0.51%)
$IBTU (-0.16%)
Financial targets 2025 - the mid-term summary
Hello dear community,
after not really being active for a few months, I thought I'd draw my first conclusions at the halfway point of my annual financial goals. A warning up front, the success so far is manageable to say the least 😙.
Before that, a few stats on the overall portfolio:
📌 YTD: approx. -5.33% as of today
📌 Shares/ETF: €12,150 invested
📌 $BTC (+0.16%) / $SOL (+0.02%) 2,500€ invested
Now let's check the targets:
🎯 Raise the portfolio to €70k
Phew, the orange man had something against it, currently unrealistic in view of the required performance and the investment volume still to come.
🎯Do more research, as it feels like I haven't done anything for 7-8 months in 2024
Up and down, sometimes yes, sometimes no... I'm working on it, let's put it this way.
🎯Focusing more on equities and not getting bogged down in the crypto bubble
Worked well so far, $SOL (+0.02%) Savings plan is now paused, focus is only on $BTC (+0.16%) . No other coins have been bought...
🎯Expanding my knowledge of basic financial topics, especially in the area of chart analysis and company data/earnings
Phew, mixed, started but never followed through...still have 6 months to go.
🎯Just listen to more financial podcasts
Works quite well, I actually listen to the usual suspects regularly
🎯Significantly increase the weighting of the MSCI World
Currently still far too little, but I'm working on it...
🎯The most important thing: to finally convince my better half to invest
Missed the maximum, there's less than before and not a cent has been invested 😆
What happens next?
I have currently suspended a large part of the savings plans on individual shares and continue to focus on $IWDA (-0.9%) and $MEUD (-1.06%) . According to the current plan, around €6,000 will still be invested this year.
With this in mind, keep applying cream ☀
Perhaps you would have noticed that your disappointing performance can be explained almost entirely by the depreciation of the USD. The portfolio remains vulnerable at this point.
Fixed monthly crypto contributions
I will continue to buy every month, regardless of the price of the asset, about €100 in $BTC (+0.16%)
I have some $ETH (+0.51%) in my portfolio but I don't think I will accumulate more.
All this is for the long term, I have no intention of selling.
Savings banks enable private customers to trade Bitcoin
Public-sector institutions are critical of cryptocurrencies. However, interest and demand from investors is forcing the German savings bank to give in. Customers should be able to benefit from the hype surrounding Bitcoin $BTC (+0.16%) and the like - with exceptions.
