2 % pa call money account TR vs. $XEON (+0%) or similar

As my call money with a current interest rate of 3.75% expires in September and will be adjusted to a ridiculous 0.75%, I am currently looking for an alternative.

Either shift everything into the $XEON (+0%) completely into the $IWDA (-0.15%) or go back to overnight money hopping. Investments in kind with Timeless are also nice to have but are out of the question for me with 40k and P2P loans via Mintos etc. also have too high a risk of collapse even with the "buyback guarantees".

What do you think, is Firefish an alternative?

Investments via Firefish function as a peer-to-peer (P2P) marketplace for Bitcoin-backed loans. Investors can lend money in the form of fiat currency (e.g. euros, US dollars) and receive fixed interest in return, which is fully secured by Bitcoin as collateral. The borrowers' bitcoins are deposited in non-custodial multisig smart contracts, which means that Firefish itself has no access to the crypto assets. The bitcoins are therefore stored securely and serve as over-collateralization for the loans.

The interest rates there are significantly higher (6-15%) and due to the LTV deposit of 50%, the multisig contract custody and the automatic liquidation in the event of a fall in the price of BTC, I think the risk is quite low.

I look forward to your opinion on this. 👋

https://firefish.io/

I have decided to sell Meta, Airbus and Adobe and switch into $XEON (+0%) and reallocate to Why? Because I wanted to park the money safely to save equity for a property in 3/4 years and Meta & Airbus were fat in the plus.

Did it hurt? Hell yes, the shares had been in the portfolio for 6 years. Ultimately, however, my other positions remain in the portfolio and will not be saved. Only the $XEON (+0%) is saved monthly as a safe investment alongside overnight money. At the time of purchase, I will have around 20% equity. Some of the shares may then be sold on top, depending on the situation, but the security is there.

How would you have acted?

Hello everyone,

I have the following question: I currently have 500k in my call money account! As I want to restructure my life at the moment and am not sure whether I will need the money in the next 2-3 years, it is out of the question for me to put it in my securities account at the moment!

Nevertheless, the interest on call money is already very low, so I'm considering putting at least 400k into the $XEON (+0%) into the Does anyone have experience with larger sums in money market funds, is it worth it for 2 years?

Have a nice Sunday everyone 🙂

Hi all - I had planned to expand my portfolio a few weeks ago because of an inheritance. Now a few things have happened: Money is there and at the same time the company is asking if I would like to quit in return for a severance payment. Yup, maybe I have. Do something other than IT, for example ... Volunteering at the food bank, riding my bike and Vespa, sports, traveling & chilling or something... But that's another story :-)

But does it work financially? Let's assume about 1.2 million in total (600k invested, 600k cash). House paid off, 2 kids out, wife self-employed, but only a small amount. I'm 58, I can retire at 62, with official deductions. That will therefore be a manageable pension in total. That's why I'll need monthly cash in 3 years. The severance payment would last until then. Now I'm thinking about reallocating a large part of my portfolio from tech, world ETF, S&P and some individual stocks to high-dividend stocks: 10% $ALV (-0.57%), 10% $MUV2 (+0.58%) , 10% $O (+0.05%) , 10% $VHYL (-0.47%) , 10% $WGLD (-1.11%) , 20% $IDVY (+0.14%) , 10% $XMME (+0.12%) , 10% $XEON (+0%) (in case the dividend falls in volatile phases and to bridge payout dates). dates), 10% play money GTAA, 2Spy, Momentum etc----hahaha, actually I just wanted to mention @Epi mention.

With the above you get about 4% dividend. At 800k = 32000-25%= 24000= just under 2k net on top. That should be enough. The assets won't grow that much, but cash per month is enough. What do you think? Completely wrong way of thinking? Forgotten something important?

Absolute midfield in the GetQuin community (but you're good too!🫡😬)

I still have a cash quota of about 20%, from which I make weekly $VWRL (-0.18%) and $VEUR (-0.18%) (to specifically increase my European weighting).

US markets are still historically expensive and a further depreciation of the USD could put additional pressure on the US portion of the portfolio.

I would use larger setbacks for one-off investments.

The 2.25% overnight interest rate at TR, or ~2.157% (thanks @Epi) at $XEON (+0%) I am currently still happy to take it.

That's it already.

Keep going! 👍🚀

After some wrangling, I've taken part of my nest egg away from call money and invested it directly in a bond ETF.

How do you handle this? $XEON (+0%) or $XEOD (+0.01%) or also $CSH (+0.01%) you often read here. Real bond ETFs, on the other hand, almost never.

April was here and it's already over again. Trump's liberation day was not as liberating as we now know. Nevertheless, a lot happened and the stock market remained very volatile in April. After initially falling sharply, it stabilized towards the middle of the month and ultimately rose again, leaving the S&P500 at -3.62% at the end of the month.

In April, I recorded a loss of 3.68%. Given the size of my portfolio, this corresponds to a value of almost €4,000.

Thanks to the dividends, which are gross here in the picture (net = €272.65), this amount is then reduced to just under €3,700.

The Dax (+0.80%) has beaten me again, but compared to the HSBC MSCI World (-4.24%) I am doing better again.

Over the year as a whole (YTD), I have lost ground again to the DAX, which has risen again. At the same time, however, I was able to further extend my lead over the MSCI World. However, as can be seen above, the MSCI World caught up considerably towards the end of the month.

April again showed that my portfolio is quite stable. That's the price you pay if you give up positive returns. Of course, everyone has to decide for themselves how well they can sleep.

My high and low performers in April were (top 3):

Nintendo ($7974 (-0.32%) ) +15,32%

Eon ($EOAN (-0.11%) ) +10,42%

Tesla ($TSLA (+3.07%) ) +8,87%

Pepsi ($PEP (+0.07%) ) -14,93%

UnitedHealth ($UNH (+1.07%) ) -20,62%

Petroleo Brasileiro ($PETR4 (-0.98%) ) -20,89%

Interesting that UnitedHealth was the second-worst stock in February, the second-best in March and now the second-worst again. A very volatile stock at the moment. Understandable, however, after the recent events.

Dividends:

In April, I received €272.65 net from a total of 15 distributions.

Compared to March 2024 (€182.13), this was an increase of 49.7%.

I now expect another increase in May before it falls sharply again afterwards.

Investments:

As in February and also in March, I am still building up my nest egg again. This was actually planned to be completed in April or May at the latest. But now the car is broken and the repairs will cost a lot. So the replenishment continues.

The special payment in April went into the $XEON (+0%). I also treated myself to a South African government bond, which will also mature in the year the first loan is due. I'm happy to take the 8% until then and if I don't see the money again, then it was a try and I can cope with it.

Buying and selling:

I sold Monster with a plus of 12.3%. Simply because I want to reduce the size of the portfolio, Monster does not pay a dividend and we were very close to the all-time high in April.

I bought or increased Gladstone Investment (I'm happy to take the special dividend in June), Texas Instruments, LVMH, Rio Tinto, United Health, Lockheed Martin and Waste Management.

Savings plans (125€ in total):

• Cintas ($CTAS (-1.06%) )
• LVMH ($MC (-1.02%) )
• Microsoft ($MSFT (+0.21%) )

Target 2025:

My goal is still to have € 130,000 in my portfolio at the end of the year. The goal is to be achieved by reinvesting the dividend, making payments and, of course, increasing the share price. The share price increase is of course impossible to predict in any way, so the motto is: if the share price falls or does not rise enough, more cash is needed.

This comes from selling useless stuff on eBay, additional income from e.g. "neighborhood help" etc.

The worse the share price, the more additional cash has to be raised.

Target achievement at the end of April 2025: 22.22%

I'm slowly lagging behind the average. It's definitely going to be very sporty this year.

Let's see what else is coming. Now that Trump has probably signed a commodities deal with Ukraine, the share price will rise again somewhat, at least in the next few days. After that it will be uncertain again.

How was your April? As the getquin monthly report for March was not published, I am now looking forward to the April report.

If you liked the report and would like to read more, feel free to follow me,

If you're not interested, you can keep scrolling or use the block function.

Hello Community,

I thought it was time to post my portfolio again and what adjustments and plans are still taking place for the year 2025.

My portfolio currently consists of the classic $IWDA (-0.15%) , $EIMI (+0.14%) and the $CSNDX (-0.14%) .

Further additions are $WGLD (-1.11%) and $BTC (+0.57%) only.

My remaining satellites are targeted additions in order to expand the focus to Europe and Japan on the one hand and to provide a yield boost in the portfolio on the other.

I currently continue to invest in all ETFs, gold and Bitcoin on a monthly basis.

Upcoming changes:

I will shift a portion from the call money account into the $XEON (+0%) into the

It may be planned to make another additional purchase at $NOVO B (-2.09%) is planned.

expected new additions this year:

$PANW (+1.06%)

$ISRG (+0.1%)

$RKLB (+1.57%)

These are also joining the ranks as targeted satellites and, for me, represent three further interesting, fast-growing and sustainable sectors.

Have a nice weekend :)

LG

Paul