Thanks to the inspiration from @Epi and a few months of reflection, I have built up my individual momentum all-world strategy and would like to refine it further for 2026 over the next few weeks.

Start allocation as of 11.07.2025:

50% ACWI $SPP1 (-0.04%)

15% Europe$SMEA (+0.8%)

10% SPYTIPS-Cool S&P500x2 $DBPG (-1.12%)

10% EM $EIMI (+2.78%)

10% Gold 2x $LBUL (-3.28%)

5% Bitcoin $BITC (+2.75%)

Cash Management

Cash investment: $XEON (+0.05%)

Basically, I check my positions at the end of the month (30/31/1) using the SMA or SPYTIPPSCooldown (Discord, thanks @SemiGrowth).

50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0.04%)

• Buy/Sell: SMA200

Currency hedging rule:

• Condition: USD/EUR above SMA200 of the currency pair

Action: Switch to $NTSG (+0.14%)

15% iShares Core MSCI Europe UCITS ETF $SMEA (+0.8%)

• Buy/Sell: SMA200

10% SPYTIPS-Cool = S&P 500 2x Leveraged $DBPG (-1.12%)

Buy conditions (all must be met):

• S&P 500 (SPX) via SMA150
• iShares TIPS Bond ETF (TIP) above SMA200
• At least 15 days since last sell

Sell conditions (one is enough):

• SPX below SMA150 OR
• TIP below SMA200

Waiting period: 15 days after sale before new buy test Review15 days after purchase, then daily

10% iShares Core MSCI EM IMI UCITS ETF $EIMI (+2.78%)

• Buy/Sell: SMA200

10% Gold 2x Leveraged $LBUL (-3.28%)

• Buy/Sell: SMA200

5% CoinShares Physical Bitcoin ETP $BITC (+2.75%)

• Buy/Sell: SMA150

Cash Management

Cash investment: $XEON (+0.05%)

Sounds like a bit of effort at first, in fact I currently need max. 10 minutes a month for the audit itself.

Bitcoin left here at the beginning of December. I am currently invested in the rest. Due to the fact that silver (as a momentum commodity) convinced me in conjunction with @Multibagger (thank you), I added two shares on 23.10.25 and a further two shares on 22.12.25

WisdomTree Silver 3x Daily Leveraged $3LSI (-19.44%) were added to my portfolio. The purchase was FOMO, yes of course, emotion, yes too. I'm being completely honest with you here. However, I am more interested in finding a solution for implementing certain assets in my strategy in a certain percentage (up to max. 5%) depending on momentum and risk. (A rotational modification of the 3xGTAA)

For silver $3LSI (-19.44%) I currently follow the following trading principle:

• Test every Friday: SMA200
• SMA200 rises visibly
• Stop/Limit set

@Epi
@Multibagger
@Tenbagger2024 and of course all others too!

(1.) For silver (3x) I would like your advice on which stop/limit or which trailing stop might be a good fit.

(2.) Gold (2x) currently stands at +62.66% for approx. 40% of my profits. Now the question arises for me: Is a simple monthly check still sufficient in my momentum strategy or should I use an additional stop/limit/trailing stop to limit the downside in addition to rebalancing?

(3.) I can invest the same amount of money in the portfolio again today, i.e. double the investment amount. How would you proceed here? Invest the full amount directly and carry out the rebalancing?

(4.) With the 50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0.04%) I am currently considering whether the Amundi MSCI World (2x) Leveraged UCITS ETF Acc $LVWC (-0.53%) might be a (better) fit for this strategy. I am aware of the increase in risk and a tightening of the rules for this position would be necessary. Due to the tendency for the USD to weaken next year as well, I am torn as to which makes more sense.

Adjustments for 2026 that are currently on my plan:

• [ ] Refine exit strategy for leveraged commodities/products
• [ ] First pool for rotation conversion for the 5% position (silver, bitcoin, etc...)
• [ ] S&P500 (2x) - increase SPYTIPPS-Cool in the allocation to 20% (+10%) and reduce the ACWI by 10%. I deliberately wanted to start with a lower level in the SPYTIPPS-Cool in the first year.
• [ ] ACWI position determination of which product(s) to continue investing in.

Finally: The portfolio itself stands at +17.38% from 11.07.25 to 31.12.2025.

Getquin gives me the following additional parameters:

Internal rate of return: 37.05

True time-weighted rate of return: 16.54 %

PS: THANK YOU ALL for your active participation! And a happy new year!

Hello everyone,

I am currently building up some cash as a liquidity reserve. I use TradeRepublic and am currently still enjoying 2% overnight interest. However, I wanted to ask if there are more lucrative alternatives or what you do with cash that can be accessed at any time?

One possibility is to invest in $XEON (+0.05%) Xtrackers Euro Overnight Rate Swap EUR (Acc). What ideas do you have?

After 6.5 years of experience, I changed my strategy and now only invest in the MSCI World. Over time, my portfolio was almost identical to the MSCI world or slightly better, hence the decision. I no longer feel like getting annoyed, buying too little, buying or selling too early, etc. I don't see myself in a position to outperform by stock picking in the future either, the market has changed significantly.

It is now easier and also cheaper for me to invest, especially as I will be parking some money in the $XEON (+0.05%) I will be parking some money for a property in the next 3 years.

$IWDA (-0.03%) and $XEON (+0.05%) thats it...

Hello,

short question, does it make sense from

$XEON (+0.05%)

to

$CSH2 (+0.06%)

switch?

It's about 5000€ and both are finanzen.net.zero

Thank you very much!

$XEON (+0.05%) A question for the group. I would like to invest my call money in this Etf. At Ing you currently get 1% on the call money.

However, the purchase cost me around €18 in commission and fees, which eats up the credit interest for an eternity. Any suggestions?

Thank you

to top up his savings rate.

I'm not sure, but lately there's always something left over in the account...and I have to admit I'm too lazy to transfer it to the call money, the interest rates aren't great either.

So a new savings plan, with slightly better interest rates, might also bring some stability to the portfolio and you can still access it if necessary.

What do you think, a mistake or ok

How do you handle it?

Hello everyone,

In December, 10k€ will be released from old fixed assets. My plan was to put this completely into the $XEON (+0.05%) as the plan was to use the money in 3 years to pay off a loan. But now I'm thinking about whether I should increase my $VWRL (+0.34%) and see what the current interest rates are in 3 years' time and decide whether I should repay the loan or continue to finance the remaining debt (it's my apartment).

As I said, these are the considerations - now I need your swarm intelligence or your opinion - $XEON (+0.05%) or $VWRL (+0.34%)

thanks in advance...

🌤 October review 2025

October was a month of upheaval, adjustment and small decisions with a big impact. With just two months to go until the IPQ's annual target, it currently stands at 97

📊 Performance & markets

An exact monthly performance cannot currently be calculated, but the robo-advisor is holding up well with an overall performance of +33,75 %.

Hot factor favorite
Allianz.

King Midas Factor
Xpeng.

1 Swiss franc quoted at 1.07 euros

₿ Crypto & alternative investments

There were minor adjustments and partial sales in the crypto sector. The share must be further reduced to 10%.

With Timeless was quiet, with only two Pokémon TTBs being sold.

Also with NFTs and music rights remained quiet - no new purchases, no sales, no drama.

🍷 Winery

The vineyard is also at a standstill. No new news, but sometimes calm is also a form of maturity.

📈 Individual shares, ETFs & savings plans

In the equities sector, on the other hand, things have been really busy.

$SLI (+0.06%) and $IBU (+0.75%) went through the roof - reason enough to take a few profits. In return $OTEX (-3.36%) was added to the portfolio. In addition $AAPL (-0.72%)
$MSFT (-2.61%) and $RWE (+3.53%) sold. Back in the depot: $AWK (+0.09%)
$SHL (-1.07%) and $CAKE (+5.48%) received an extra portion of capital.

The $XEON (+0.05%) was sold completely and shifted into the $bnp Paribas Easy Overnight - perhaps a mistake, perhaps a stroke of luck. Time will tell.

🚀 Crowdcube & Startups

It's been quiet here - no new projects.

🧠 Nao - a test run with hurdles

Curiosity is sometimes the best guide. After listening to a podcast about Nao I wanted to test the platform for myself. So I started eight savings plans on various assets on offer.

After just a few days, I had several exchanges with the support team Interest on the clearing account, confusing savings plan overviews and a strange booking logic: instead of being debited from the clearing account, the amounts were debited directly by direct debit.

When I wanted to withdraw the money, it turned out that it would remain blocked for a whole eight weeks. Not ideal.

Nevertheless, Nao remains exciting and the vision is convincing, even if the start was bumpy. Today a new product arrived, tradable via TR, so I sold my overnight rate swap with a yield of 6.2 % and reallocated. Was it the right decision? We'll see.

Do any of you also have experience with Nao?

🌴 Review October

I am currently on vacation for a week between October and November.

I've started my therapy, but I haven't felt any change yet. My biggest concern at the moment is the cost after the trial ends. A monthly dose costs around €250 and health insurance probably won't cover it. The trial will run until January, after which we will see what happens next.

On the positive side: the savings plan and the budget for 2026 are in place! In future, 10% of my gross salary plus reinvestments will go into individual shares. I have to plan a little more carefully because I have an unpaid vacation coming up in March 2026. I'm giving up my salary and 2.5 vacation days for this. I currently have my second readley test subscription in a row thanks to the Lidl app.

And yes, sorry to @christian

@TheRealRapha
@Leonard
@Gqnina I was at a wedding near Berlin and spontaneously spent two days at Tropical Island on the side. The headquarters had to wait, next time it will definitely work out! This week I'm treating myself to the fall fair and good food. And next week I'm off to Bavaria.

🎧 Interest rates, podcasts & real estate

With Vivid there was no news.

Podcast is in season 3 episode 1 is about financial goals

And also about real estate a small ray of hope: Service charges will fall by 5 euros in 2026.

🔮 Outlook for November

The coming month will probably be a little more expensive - a few purchases should finally be made. After all, you don't just live to make a profit. 😉

And you? How was your October?

If you want to find out more, feel free to follow me and if you don't like my investments: The block function works wonderfully. 😄

Thanks for reading - until the next review! 🙌

My review of October 2025. Many thoughts and yet no solution.

There's also a question at the end of the article.

📈 Performance:

S&P500: +4.73%

MSCI World: +4.25%

DAX: +0.32%

Dividend portfolio: +1.13%

My high and low performers in October were (top/flop 3):

🟢 ($LLY (-0.27%) ) Eli Lilly +20.29%

🟢 ($MC (+0.82%) ) LVMH +17.59%

🟢 ($STAG (+0.11%) ) STAG Industrial +11.02%

🔴 ($CTAS (-2.81%) ) Cintas -8.41%

🔴 ($TXN (+1.53%) ) Texas Insturments -11.09%

🔴 ($RACE (-0.92%) ) Ferrari -15.71%

Dividends:

October 2025: €126.83

October 2024: € 147.55

Change: -14.04%

Sales:

🟥 None

Purchases:

🟩 ($ULVR (-0.48%) ) Unilever (8 pcs.)

🟩 ($WM (-1.8%) ) Waste Management (2 pcs.)

Savings plans:

($CTAS (-2.81%) ) Cintas (50€)

($MC (+0.82%) ) LVMH (50€)

($MSFT (-2.61%) ) Microsoft (25€)

What else has happened?

October was very quiet. Apart from a week's vacation and my birthday, nothing much happened. I used the quiet (and free) time to continue thinking about my nest egg. When do I fill it up and how much? Does it really have to be €10,000? How quickly should this happen or can I just save up slowly? What would be my safe-sleeping amount? Questions upon questions. I have also found many answers. However, I haven't really got any further because I can't make up my mind.

The current situation is as follows: The savings rate on shares will be reduced, and the special payment will not be included in the $XEON (+0.05%) (i.e. for loan repayments), but will also go into the nest egg. I have set the amount I want to save to €5,000. That would then be done. I'll be rebuilding again from January. Until then, I'm still working out how I can present it well and what I feel comfortable with. I can still save the amount for the loan, as long as I plan a monthly savings amount at some point and don't just use the special payments.

🥅 Goals for 2025:

Deposit of €10,000 and thus a custody account volume in the share portfolio of ~€73,000

Target achievement at the end of October 2025: 77.94%

If everything remains/becomes as planned, I will not reach my personal target. But if I don't change my mind again (which would result in a lower nest egg) or get a windfall for Christmas, then I don't see any more options at the moment.

How would you solve my "problem" with the nest egg? How would you decide?

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.