With $Bit and $ETH (+0.12%) is currently a corrective rise or ?

$BTC (-0.15%)
$ETH (+0.12%)

The Iranian rial (IRR) is in a state of terminal decline.

In the last 30 days alone, the currency has depreciated by an astonishing 96%, putting the local population in a desperate race to secure their savings.

With the black market rate heading towards 1.5 million rials per US dollar, the traditional financial system in Tehran is practically paralyzed.

As chaos grows and Trump eyes a deal, people are fleeing into Bitcoin and USDT.

At 11 p.m. I'm looking forward to another green day and suddenly see another upward swing - my crypto values $BTC (-0.15%) and $ETH (+0.12%) give a good spurt upwards - every minute.

I can't find a reason for this online - do you have any guesses?

When the US market closes its doors, Asia opens itss. Insider knowledge? 🤔

January is off to a strong start with some strategic moves in my portfolio. Here are the details:

✅ Strategic sale $CSCO (-0.26%)

• Cisco Systems I sold my Cisco shares to free up capital and seize a more promising opportunity.

🚀 Ambitious new purchase $MPWR (+2.13%)

• Monolithic Power With Cisco's cash, I invested in this semiconductor nugget. I'm aiming for stronger growth and a booming sector.

📈 Buying to diversify $MSE (+0.21%)
$CSNDX (+0.03%)
$VHYL (+0.1%)
$IGLN (-0.5%)

• ETF I'd like to invest in the following ETFs: Amundi EURO STOXX 50, iShares NASDAQ 100, Vanguard FTSE High Dividend, and even a little gold with iShares Physical Gold.

• Equities Zoetis (animal health) and Novo Nordisk (pharmaceuticals), to strengthen the health sector in my portfolio. $ZTS (-0.37%)

• Gaztransport & Technigaz a strategic addition to my energy portfolio. $GTT (+0.77%)

• 💎 Crypto always present $BTC (-0.15%)
  $ETH (+0.12%)
• 
  Bitcoin & Ethereum : a few purchases to stay exposed to blockchain.
• Bonus: I've even received awards in ETH, that's fun!

🔥 In a nutshell

January was rich in movement : sales, purchases, crypto and diversification all the way.

Objective 2026: growth, innovation and a portfolio on the move! 🚀

My question would be what do you currently think is better or has the best risk/reward ratio?

$SOL (-0.52%) or $ETH (+0.12%)

Or does it not matter.

My plan was 50% in Bitcoin and the other 50% either Ethereum or Solana.

(This is of course a crypto portfolio and only represents a small part of my portfolio overall)

@Investingyoung You're dealing with that right now.

I have looked at my portfolio review of 2025 and my start to 2026 - not just "how much", but above all: why and what I have learned from it. I am happy to share this with you and look forward to discussion & feedback and, above all, your views: what was the result and also your perception of your stock market year 2025 - and what set-up are you starting the new year with?

Time to reflect 🧘‍♂️

1) Change of mood at the end of 2024

After a rather sobering (for me) stock market year 2024, there was a clear turnaround in sentiment in November 24: on the day of Trump's election victory in Nov 24, the market jumped significantly (Dow +3.57 %, S&P 500 +2.53 %, Nasdaq +2.95 %). This made the "risk-on" narrative credible again - and you could see it in the behavior of many portfolios. At least in mine, if I'm honest with myself ;)

2) Q1/Spring 2025: Unusually Europe-friendly

The first few weeks of 2025 were indeed unusually Europe-heavy: in the first six weeks of 2025, the STOXX 600 was up >5.5%, while the S&P 500 was only up +2.7% in the same period.

This also became clear later in hindsight: in 2025, defense and banks were extremely strong drivers in Europe at times. I was also right in this upswing ($DHL (-0.22%) , $GBF (+0.38%) , $RIO (-0.92%) ) but unfortunately also some disastrous ($NESN (-0.66%) , $MC (-3.37%) , $NKE (-0.44%) ,$NOVO B (+8.02%) ) decisions were made. Partly also trend- and community-driven -> yes, you are to blame ;)

3) Beginning of April: Bad times

Then came the break: The strong start to the year was literally "wiped out" in just a few sessions, partly due to the customs/trade war shock. YTD turned completely negative, and by April 7 the STOXX 600 was around 12% below the closing price on April 2. $TSLA (-0.14%) and $NVDA (-0.39%) purchases. I also $PEP (-0.25%) I bought cheaply, but a real breakout is still a long way off.

4) Shortly afterwards: fireworks

Then a tailwind came back in the US from the middle/end of April, when the market repriced parts of the Trump escalation in the direction of "negotiations/de-escalation". The Donald kept a few election promises that were perhaps not quite official .-)

5) H2/late year: AI + interest rates as a "macro tailwind"

Towards the end of the year, the environment was then more strongly characterized by two factors: AI-driven risk assets and falling interest rates. It was an AI-driven rally, which also supported sentiment and inflows into US equity again.

And on the interest rate side: the Fed set the key interest rate at 3.50 % to 3.75 % in December after a further cut.

At the end of the year, the major benchmarks were also closer together again: STOXX 600 +16.66 % in 2025, S&P 500 ~+17 %.

6) Golden times 🥇🏅

Then there was the beautiful gold (u.W.). 2025 was a real exclamation mark: spot gold was up around 66% over the year (according to Reuters, the strongest increase since 1979).

Silver was even more extreme at around +168 % per year.

I have already written about gold in more detail here on getquin - if you are interested in the topic, you can find the article in my profile.

Personal performance 2025

• Internal rate of return: approx. +10 %
• TTWROR: approx. -33 %
• Dividend yield: approx. 1.3 % p.a.

The figures confirm what I described above: in my opinion, I made very good operational decisions (realized profits, used tax aspects, built up cash flow). At the same time, the TTWROR shows quite clearly that the portfolio structure was too volatile and too strongly growth/trend-oriented in the meantime. Too often, I have taken the "falling knife".

Before the turn of the year, I invested in $NVDA (-0.39%) , $TSLA (-0.14%) , $GBF (+0.38%) and $DHL (-0.22%) - each with positive returns - for the following reasons:

• Utilize saver's allowance
• Reduce tech-heaviness
• Cash generation (you can read why below)

Starting point Jan 2026:

Brief overview of the 2026 start setup

Asset mix

• Individual shares: 71.4 %
• ETFs: 16.0 %
• Gold: 9.2 %
• Crypto: 3.4 %

Regional breakdown

• North America: approx. 45.7 %
• Europe developed: approx. 26.0
• Rest of the world (including EM/Asia/Australasia): approx. 22.5 %

Sector structure

• Financial services: 20.5 %
• Consumer goods (cyclical): 19,2 %
• Consumer staples: 15.7
• Information technology: 14.8
• Materials: 7.9
• Healthcare: 4.7

Start to the new year

Parallel to the sales at the end of 2025, I reallocated or increased my holdings in January, including in $O (+1.55%), $VNA (-0.45%) and $ZAL (+1.15%)- with the logic:

• Strengthen cash flow/dividend components
• Turnaround opportunities as a limited admixture
• Reduce volatility in the portfolio

Why I am thinking more defensively in 2026

Next week, the purchase of an apartment on beautiful Lake Tegernsee 🏝️ will be notarized. This is a step into a completely new asset class for me, as it's my first property of my own. - In addition to construction financing, it will of course also be a liquidity issue over the next few weeks.

I may make a separate post about this, perhaps some of you are also currently facing this step?

I can mentally cope well with drawdowns. But: being able to bear risk does not automatically mean having to bear risk.

My portfolio should fit in with this new phase of my life.

What I will do differently in 2026

Because a new asset class will be added to my portfolio in 2026 with the purchase of an apartment, I want to position my portfolio more defensively in future - without completely foregoing opportunities for returns : risk. Otherwise we would be completely wrong on the stock market :)

1) ETF core should dominate

I want my portfolio to be dominated by my ETFs in future. My target scenario is therefore

• 60% of the deposits via a savings plan in my 4 core ETFs ($VWRL (+0.13%) , $COMM (-0.2%) , $WSML (+0.31%) , $IEMS (-0.18%) ).
• 30 % stocks
• 10 % commodities
• Play money: crypto, certificates, pennies (weighting < 5%)

Important! This is a start-in-2026 setup

Of course, as always in life, a plan is there to be thrown overboard - so you have to wait and see how assets perform in the year ahead and reassess regularly.

2) Stocks yes - but with more discipline

Turnaround/opportunity stocks and trends remain part of my approach, but clearly limited. I want these positions to be what they should be again: An addition, not a foundation.

I will reduce (basic) consumption and strengthen healthcare. And tech?

3) Tech: more controlled

Tech will remain a driver of returns in 2025 - but I want to build it up again in a controlled manner after my sales. I will monitor the trend from a distance for the first few weeks and possibly months and bet on corrections. You can't do without it - as you can see from the Mag-7 performance in 2025:

• $GOOGL (-0.71%) : +65,3 %
• $NVDA (-0.39%) : +38,9 %
• $MSFT (+0.77%) : +14,7 %
• $META (-0.07%) : +12,7 %
• $TSLA (-0.14%) : +11,4 %
• $AAPL (-0.88%) : +8,6 %
• $AMZN (+0.66%) : +5,2 %

On that note, happy new year!

$VWRL (+0.13%)
$EWG2 (-0.33%)
$O (+1.55%)
$PEP (-0.25%)
$MSFT (+0.77%)
$P911 (-0.82%)
$BLK (+0.94%)
$NKE (-0.44%)
$RIO (-0.92%)
$MC (-3.37%)
$NOVO B (+8.02%)
$NESN (-0.66%)
$ZAL (+1.15%)
$COMM (-0.2%)
$IEMS (-0.18%)
$BTC (-0.15%)
$ETH (+0.12%)
$XRP (-0.37%)
$PEPE (+0.17%)

-72% The Trade Desk $TTD (-2.08%)

-72% Fiserv $FI (-0.3%)

-65% Dogecoin $DOGE (-0.29%)

-65% Cardano

-61% Gerresheimer

-60% Enphase Energy $ENPH (-0.92%)

-59% CarMax $KMX (+0.1%)

-57% Strategy $MSTR (+0.88%)

-56% Deckers Outdoor

-56% Alexandria Real Estate

-50% Redcare Pharmacy

-50% PUMA $PUM (+0.82%)

-50% lululemon

-49% Dow

-49% Novo Nordisk $NOVO B (+8.02%)

-48% MARA $MARA (+6.47%)

-48% Molina Healthcare

-47% FactSet

-47% Charter Communications

-47% HelloFresh

-45% Wolters Kluwer

-43% Solana $SOL (-0.52%)

-43% Cocoa

-42% UnitedHealth $UNH (-2.19%)

-41% Atlassian

-41% Li Auto

-40% Copart

-40% Meituan

-38% PayPal

-38% Chipotle Mexican Grill

-36% TeamViewer

-35% GameStop $GME (-1.04%)

-35% Orsted $ORSTED (+3.07%)

-33% Pernod Ricard $RI (-0.21%)

-33% Evotec

-33% Symrise

-31% Marvell Technology $MRVL (-0.59%)

-30% Comcast

-30% Natural Gas

-30% Kraft Heinz $KHC (-2.69%)

-30% Adobe $ADBE (-2.46%)

-29% Salesforce $CRM (-2.52%)

-28% Nike $NKE (-0.44%)

-28% Adidas $ADS (-1.26%)

-27% Sugar

-27% XRP $XRP (-0.37%)

-26% Stellantis $STLAM (-4.04%)

-25% JD .com

-24% Procter & Gamble $PG (-0.08%)

-23% Arm $ARM (+0.66%)

-22% Ferrari $RACE (-2.89%)

-22% Porsche AG $P911 (-0.82%)

-21% Zalando $ZAL (+1.15%)

-21% NEL ASA $NEL (+1.3%)

-21% Ethereum $ETH (+0.12%)

-18% Bitcoin $BTC (-0.15%)

-16% Brent Oil

-16% Delivery Hero

-13% Vonovia $VNA (-0.45%)

-12% Coinbase $COIN (+0.25%)

-11% SAP $SAP (-1.39%)

-7% Amazon $ (+0.66%)AMZN (+0.66%)

Preface:

$ETH (+0.12%)

hello getquinners,

I researched everything myself in the whitepaper, on the Ethereum site and wrote it myself (no Ki Slop)

so there will be spelling and grammar mistakes in here (don't be mad at me)

I only did the "risks" section with AI because it would be exhausting to work through and think about.

if this is well received here I will gladly make more so leave an impression and now: Have fun with the Ethereum Deep Dive.

ETHEREUM

Ethereum is a decentralized open-source blockchain network and software development platform powered by the cryptocurrency Ether (ETH). Ethereum is the secure, global foundation for a new generation of unstoppable applications.

The Ethereum network is open to everyone: No permission is required. It has no owner and is built and maintained by thousands of people, organizations and users around the world.

Ethereum was founded in July 2015 by Vitalik Butarin, the idea behind Ethereum is simple, while Bitcoin is considered a store of value, Ethereum is intended to provide the infrastructure for the development of digital infrastructure (web3)

There is an open source program called: Smart Contracts.

What are smart contracts?

Smart contracts let you create decentralized assets and applications (dApps) that work 24/7 globally and without institutions, all you need is electricity and internet!

With the help of the Ethereum blockchain, several technical innovations have emerged since 2015, these are the most relevant:

Stablecoins:

Stablecoins are digital currencies whose value is tied to a stable asset, usually a fiat currency such as the US dollar or the euro. This is intended to reduce price fluctuations, as with other cryptocurrencies, in order to make them more usable as a means of payment or store of value.

• Fast, low-cost transfers worldwide: money can be transferred in seconds and often with low fees, even across borders.

• Access without a bank account: Anyone with internet and a wallet can use stablecoins, which is particularly helpful in countries with weak currencies or little bank access.

Non Fundable Tokens (NFTs):

Digital certificates on a blockchain that uniquely assign a unique digital asset to an owner and prove its authenticity.

• Forgery-proof proof of ownership for digital items such as art, music, tickets, in-game items. Less fraud, better tracking, additional features such as access to events or communities.

• NFTs can also store identity, certificates or documents digitally and verifiably, such as proof of education or medical data.

Decentralized finance and gaming apps (DeFi):

DApps are decentralized applications that run on a blockchain and function without a central authority.

Typical examples:

Decentralized financial services (DeFi), games, marketplaces, social apps, all based on open protocols.

Why is this useful?

Operates over a network of many computers instead of a single server. More transparency, autonomy and potentially lower risk of failure as there is no single point of failure

Tokenomics:

Ether:

Ether is the token that powers the Ethereum blockchain, it is responsible for paying transaction fees (also called gas fees) for the network and associated applications, providing stability by paying the staker nodes for the security of the network.

Nodes are the name given to the thousands of computer networks worldwide that have more than 32 Ether tokens and staking to ensure the security of the network (Proof of Stake)

Proof of Stake is a consensus mechanismin which it is not computing power but the use of coins that decides who is allowed to create new blocks and confirm transactions. Participants lock their own coins in the network (staking) and thus become validators.

Validators who are selected check transactions, build a block from them and receive rewards in the form of ether.

Max Supply:

No maximum number of coins, unlike BTC, but there is a burn mechanism that ensures a dynamic shortage

Burns:

every time Ether is sent/used in dApps etc., a small amount is burned (removed) from circulation forever. On active days, more ether is burned than created.

Meaning: the more ether is used, the more is burned, a deflationary system that creates scarcity

Locked tokens:
As of 01.01.2026

• Around 34-36 million ETH are locked in staking in 2025, which roughly corresponds to just under 30% of the circulating supply
• 40% of the supply is locked in smart contracts (DeFi, layer 2, restaking, etc.)

Partnerships:

Important industry alliances

The Enterprise Ethereum Alliance brings together companies such as Microsoft, Intel, Accenture, JPMorgan, Daimler, BP, Visa and others to develop Ethereum standards and use cases for enterprises

Roadmap:
What's next?

Fusaka:

since 03.12.2025 the Fusaka update is running, what exactly it contains is technically difficult to understand and goes beyond the scope, but here is a simplified summary:

The aim is more scalability, efficiency and better developer primitives, especially for layer 2 rollups, plus additional security and protocol improvements,

The main point was the introduction of PeerDAS (Peer Data Availability Sampling) so that Ethereum and L2s (blockchains built on Ethereum) can process more transactions more cheaply.

As an investment, Ethereum harbours several blocks of risk: high price volatility, regulatory uncertainty, technical/protocol-related risks, competition from other chains as well as centralization and governance risks.

Price and market risks

• ETH is highly volatile; sharp price declines due to macro events, changes in sentiment or crypto crashes are possible at any time.

Regulatory risks

• Unclear classification (security vs. commodity) and stricter crypto regulations could restrict or make trading, staking offers or DeFi use on Ethereum more expensive.
• National regulations (e.g. on staking, KYC, tax) may make certain business models unattractive and pull capital out of the ecosystem

Technical & protocol risks

• Smart contract bugs, bridge hacks or errors in upgrades (e.g. Fusaka & future hard forks) can lead to losses and damage to trust.
• Long-term issues such as the state size of the chain, possible attack vectors in the PoS system or future quantum computers could undermine security if countermeasures are not taken in good time.
• Strong centralization in PoS staking: If a few players control the majority of validators/staked ETH in the long term, attacks, censorship or political influence would be more realistic and the "decentralized" promise would be broken.

Centralization & staking risks

• A lot of staked ETH is held by a few large staking protocols/exchanges; this creates concentration and governance risks, including coordinated censorship or consensus manipulation.
• Problems or regulation at a dominant staking provider (e.g. Lido, CEX staking) can have systemic effects on the entire network.

Competition and network effect risks

• Faster and cheaper chains such as Solana, Avalanche or other L1/L2 could attract developers, users and liquidity.
• If DeFi, NFTs and new use cases increasingly migrate to other chains, this will weaken fee income, security (less value in the system) and the relevance of Ethereum.

I am convinced of the technical possibility that Ethereum offers as an infrastructure for various layer 2 blockchains such as Base (the blockchain that Coinbase/Circle uses for its stablecoins, for example)

in Germany, we are all living behind the moon and it will take some time before this catches on here... nevertheless, we should not ignore what is going on in the USA and especially Asia, where there is a lot of innovation and advancement of digital infrastructure with the help of ETH

for this reason I am using the dip and have bought a little bit of ETH after the end of this deep dive.

I thank everyone who has read this, if the response is good, I will make the effort and work out the same for another cryptocurrency for you, it was really fun!

Feel free to give feedback, also the other creators, what I could do better!

Happy New Year!

Hello everyone,

Here is my personal review of the year 2025.

First of all - my target for the year was achieved. I had aimed for 98k in the portfolio. This was clearly exceeded

Unfortunately, this was not due to my return. The bottom line is that only the dividends remained this year.

What happened? Amundi really annoyed me back in January. My Basisinvest was supposed to be merged and a tax event first of all made the German government's coffers full of money - so my exemption order was gone and my portfolio reduced accordingly. Thanks for that Amundi.

Well, what the heck - got a new World and continued to save diligently ;).

The aim this year was to restructure my portfolio somewhat and reduce my dependence on Bitcoin. A few new individual stocks were added to the portfolio for this purpose:

$PEP (-0.25%) one-time purchase

$MAIN (-0.29%) one-off purchase and savings plan

$V (+0.35%) one-off purchase and savings plan

$RR. (+0.13%) One-off purchase and savings plan

In the meantime I have then $ETH (+0.12%) my stake and moved it to $BTC (-0.15%) moved it to

Especially from October onwards, my portfolio suffered due to the high crypto share. But anyone who opts for crypto also has to deal with the volatility.

In Q4, I decided to sell one of my dividend ETFs $ISPA (+0.14%)

This was followed by

$MUV2 (+0.54%) and

$PLTR (-3.21%)

Into the depot. Last but not least, I have also been saving the $LVWC (-0.05%) weekly since it was launched.

All in all, I'm still very satisfied with the year. Including dividend reinvestment, I have a savings rate of €1672 per month. Significantly higher than planned. This also compensates for the lack of performance.

I'm aiming for 128k in my portfolio in 2026.

My goal of no longer having to work at the age of 55 - if I want to - remains in focus (16 years to go).

The core of my strategy remains unchanged:

- ETFs as a basis

- Bitcoin

- Solid individual stocks (preferably with dividends)

Yes - my portfolio could be much "simpler" - but I feel comfortable with it.

Nevertheless, I am very happy about your feedback