Investors today face a striking dilemma. The S&P500, once the epitome of broad diversification, is now dominated by a small number of AI tech giants. Their share prices have risen so much that the index has almost become a mirror image of a handful of expensive companies. The risk of that is clear: if one of those giants stumbles, the whole market feels the blow. In contrast is the largest cryptocurrency.

Despite fluctuations, it offers momentum that is less dependent on a single cluster of companies.

Whereas the S&P500 floats on overconcentrated and pricey expectations, crypto actually seems to promise more room for new capital flows and growth. For those looking ahead, that's a compelling argument.

$VOO (+0.04%)
$VUSA (-0.76%)
$BTC (-3.05%)
$XRP (-4.41%)
$ETH (-3.53%)
$SOL (-4.18%)
$MSTR (+0.02%)
$BMNR (-2.79%)
$MARA (-0.15%)
$IBIT
$IB1T (-2.91%)
$ETHA

As my positions in Ethereum have now become quite large, I have decided to sell some of them and shift the money into Bitcoin and XRP (possibly also TRON). 🚀

$BTC (-3.05%)
$ETH (-3.53%)
$TRX (-2.5%)
$XRP (-4.41%)

The fourth largest inflows in history, with assets under management (AuM) reaching an all-time high of USD 244 billion.

$ETH (-3.53%) led with inflows of USD 2.87bn (77% of total volume) and increased year-to-date (YTD) inflows to a record high of USD 11bn, significantly outperforming $BTC (-3.05%) significantly outperforming the proportional comparison.

$SOL (-4.18%) and $XRP (-4.41%) recorded inflows of USD 176.5 million and USD 125.9 million respectively. In contrast, Litecoin and Ton saw outflows of USD 0.4 million and USD 1 million respectively.

Find out more: https://bit.ly/45oqinz

📜 Ripple is allowed again sell securities to private investors again - a step that had been blocked for years.

🔥 Why this is bullish for $XRP (-4.41%) is:

🐂 New money inflow:

More investors = more demand for XRP for the Ripple ecosystem.

💼 Confidence signal:

Despite legal dispute, Ripple gets green light - this seems like a silent recognition by the SEC.

🌍 Market signal:

Other countries & investors see: Ripple stays in the game → higher trust → stronger adoption.

📈 Chart action:

For hours, the bull 💃🐂 - the news fires up momentum traders and FOMO buying.

💭 My conclusion:

This news is more than just symbolism - it opens Ripple a direct capital channelwhich should also push the XRP price in the medium term. 🚀

A shortsqueeze is probably imminent

Digital investment products recorded net inflows of USD 572 million last week, according to CoinShares' research department. This made up for part of the outflows of USD 1 billion in the previous week, which were triggered by weak US labor market data.

The turnaround followed the US government's decision to allow cryptocurrencies in 401(k)-type funded retirement plans. Ethereum dominated the market with inflows of USD 268 million, bringing year-to-date cumulative inflows to a record USD 8.2 billion. Assets under management (AUM) rose to USD 32.6 billion, an increase of 82% in 2025. Bitcoin also recovered with inflows of USD 260 million, while short Bitcoin products recorded outflows of USD 4 million.

Diversification into altcoins

Trading volumes in digital asset ETPs were down 23% month-on-month, reflecting the summer slowdown. By region, the US led with USD 608 million in inflows, followed by Canada with USD 16.5 million, while Europe saw combined outflows of USD 54.3 million in Germany, Sweden and Switzerland.

Altcoins also gained, indicating continued diversification beyond Ethereum and Bitcoin:

• $SOL (-4.18%) (+21.8 million US dollars)

• $XRP (-4.41%) (+18.4 million US dollars)

• $NEAR (-2.49%) (+10.1 million US dollars)

The decision on 401(k) plans represents an important step for mass adoption and should boost long-term demand. Together with the Ethereum record and the Bitcoin recovery, the market is entering August in a positive mood - despite the continued uncertain macroeconomic environment.

A portfolio that supports long-term, solid growth and remains balanced. The focus is on global diversification, strong dividend payers, stable industry leaders and a targeted admixture of future-oriented stocks, including in the crypto sector.

✅ = already available

👀 = on the watchlist, interesting in terms of price soon

❌ = not yet interesting in terms of price at present

ETF selection

• FTSE All World ✅ = Global basis, broadly diversified. $VWRL (-0.63%)
• 
  MSCI World Tech ✅ = Focus on innovative technology stocks.
• Defense USD 👀 = Stability through defense and security.
• FTSE High Dividend 👀 = Dividend-oriented addition.

Single stock focus

Energy & commodities:

Shell ✅, Chevron 👀, Exxon 👀, Rio Tinto ❌ $SHEL (-0.15%)
$CVX (+0.48%)
$XOM (+0.65%)
$RIO (+0.31%)

Insurers & reinsurers:

Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (-0.08%)
$SREN (+0.32%)
$SLHN (-1.71%)
$HNR1 (-0.2%)
$MUV2 (-0.05%)

Finance & payment transactions:

Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+0.17%)
$BRO (+0.95%)
$MMC (-0.01%)
$V (+0.53%)
$MA (+0.98%)

Technology & data:

Alphabet 👀, NVIDIA ❌ , Palantir ❌,

Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+4.04%)
$AAPL (+0.05%)
$GOOGL (+0.09%)
$PLTR (-0.7%)
$NVDA (-2.97%)

Health & consumption:

Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (+1.24%)
$NOVO B (+0.34%)
$ZTS (+1.51%)
$KO (+0.34%)
$WMT (+0.11%)

Automotive & Mobility:

BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (-3.02%)
$BMW (-0.4%)
$MBG (-0.61%)

Cryptos

• XRP ✅ $XRP (-4.41%)
• 
  RENDER ✅ $RENDER (-4.91%)
• 
  Bitcoin (BTC) ❌ $BTC (-3.05%)
• 
  Solana (SOL) 👀 $SOL (-4.18%)
• 
  Ethereum (ETH) ❌ $ETH (-3.53%)

For the weekend

Strategy remains: Patience, discipline and an eye for opportunities.

📈🌾

🚀 XRP: The Sleuth for a 10x Future?

$XRP (-4.41%) is on the eve of what may become the biggest transformation in payments since SWIFT. With its lightning-fast transactions and minimal costs, XRP could become the standard infrastructure for international payments.

📊 Scenarios for XRP in the 3-5 year term:

Scenario + Expected Return +Explanation.

Conservative +100% (2x) Adoption in niches, stable regulation

Average +500% (6x) Greater integration in banks / remittance

Bull case +1,000% (10x) Mass adoption as standard payment layer

For investors who dare, XRP can offer an asymmetric return offer: limited loss potential, but huge profit opportunities.

No financial advice...