Money in the relationship

I've heard that German men are stingy (or they call it women's independence), when a couple goes out to eat, everyone in the relationship pays for themselves. Or when they go shopping in the supermarket, even a drink is not covered by the man and they split the payment. Is that also true? I find that a bit weird as a woman and not so romantic. But I also see generous Germans who spend a lot on their wives. What does generosity depend on? Is it individual upbringing or different incomes or something. If you are in a relationship, what is the ratio of shared expenses? Is it 50:50 or 40:60 or...? How is it with you?

Summary: I have read all your comments, there are great couples who work well together financially. I sincerely wish you continued long love and all the best. I think the model with a percentage contribution is good, i.e. whoever earns more pays more. I think the three-account model is good because you keep your freedom for yourself. And no, women don't just take food, you can also take turns paying for food so that it doesn't seem so stupid to separate every penny when paying. And thank you for paying for drinks as well

#hochzeit

#april24

April graduation + wedding special

current April performance see Rewind

Target for 2024 as every year TTWROR of 15%

🔥Hot factor: Amazon

🚀KingMidasFactor: Paypal

🤖Roboadvisor overall performance currently at +15.72

1 franc currently 1.02 euros

RoboadvisorThe savings rate was reduced by half and 80% of the portfolio was paid out. the remaining position has a (simple) return of 88.78%.

Crypto: After the announcement from Bitvavo, I transferred everything that was transferable and sold the remaining positions. Now I only use Nexo and Bison. Savings plans have also been adjusted.

Timeless: A successful exit. Otherwise a monthly savings plan.

NFT: no news

🎼Music rights via Globalrockstars: It will soon be possible to invest in musicals. more info https://www.eposmusical.com

Current individual shares/ETFs/savings plans: New in the portfolio $RACE

I have started new savings plans on dividend-paying ETFs from the money that has been freed up. I also find the covered call ETFs very interesting for hedging the portfolio. $QYLE very interesting. Gpt says they work as follows: Covered call ETFs, seek to generate income from option premiums while benefiting from limited price gains and cushioning the risk by owning the underlying stocks.

I still build up a buffer for further individual purchases.

April in review: I had 24 days of vacation. We got married in a church and went to Mexico for our honeymoon.

Podcast: The latest episode with Capitalcyclist is online. If you want to listen, you can find us here: https://podcasters.spotify.com/pod/show/waschbaerundkoenig

Real Estate: I'm still looking for a suitable balcony power plant.

My personal plan is to pay off the apartment as quickly as possible. Many people don't understand this, but I feel better being debt-free. 5% unscheduled repayments are possible every year and I currently have 3.5% for this again

How was your month?

Wedding specialWhat does a wedding cost these days? Here I show you our expenses, of course you have to consider them as individual. Since we have split the wedding, I will also divide it into the registry office and the church wedding.

Registry office July 2023:

Registry office 152€

Rings 934€

My outfit 1349€

Your outfit 789€

Invitations 89€

Photographer for 3 hours with editing+online access 780€

Your makeup and trial makeup 400€

Champagne reception with coffee + cake in the restaurant (4 hours) for 28 people 1000€

Cleaning suit 18€

Total costs: 5499,5€

Church April 2024:

Private dance lessons: 210€

Your outfit 717€ My outfit 0€

Your makeup 200€

Church 0€

Champagne reception at the church was sponsored by her employer 0€

Invitations and thank you cards: 198€

Refurbished rings: 30€

Cake: 56€

DJ for 5 hours: 1000€

two photographers for 7 hours with editing + access to the pictures 2000€

Photo box: 0€ was sponsored

Decoration and flowers/candy bar/gifts for location and church: 348,5€

Pianist/singer for the church: 175€

Cleaning suit: 18€

Desired location with parking service/reception/food+drinks/bar/final cleaning (82 adults/14 children) 14290€

Total costs: 19036€

Honeymoon: 10 days all-inclusive Mexico with flight and transfer: 3400€

Excursions and expenses on vacation: 698€

Total costs: 4098€

Of course, it could have been cheaper or even more expensive, but we had our dream wedding.

🔭Outlook May: see real estate. Otherwise, work is calling. And just take a break from stress.

What strategies or plans are you pursuing in May?

Feel free to use the block function and follow me if you like my investments or ideas.

Thank you very much for reading!!!

First major milestone of € 10,000 in the custody account achieved at the age of 18. 🍀

Good afternoon, I decided to invest my money a few months ago because I think it's the first step to build up my own wealth at that time with the help of oskar and the bank, but it didn't take me a whole month to say I'm now investing on my own

I have shared my portfolio with you. apart from the MSCI World and s&p 500, I have invested in equities with dividents and a little more in tech and cyber security, to my person and plans i am 19 years old and have "unfortunately" developed an addiction for investing after deducting insurance and some gas for work i invest the rest of my money as i am still an apprentice that's about 400€+ a month after completing my apprenticeship this should continue then i am already aiming for +1000€ a month i fortunately have the luxury to live with my parents in our own house and my plan is to become independent in about 15-20 years

I'm looking forward to the comments

Best regards Günter✌🏻

Experience report Traderepublic card 💳

I've been using the Traderepublic card for a little over two months now. As I have also been on vacation abroad for two weeks now, I would like to briefly share my experiences with the Traderepublic card with you.

I ordered the card in mid-February and received it in the post two days later. Since then, I've been using the card for my daily spending to take advantage of the saveback, the round-up function and the interest on the "parked" cash. Setting up the Saveback and Round Up was simple and intuitive. I did not experience any problems when investing the saveback or the change, as is sometimes shared here on Getquin.

The card in use abroad

For two weeks now, I have been traveling to several countries with the card in my luggage. I was all the more curious to see how the card would perform here before I started my trip. After two weeks, I can only report positive things: the card is accepted everywhere, which I assumed would be the case as it is ultimately a Visa debit card.

However, I found the question of how the fees for foreign currency transactions and the saveback work more interesting. To summarize, I can report:

• Traderepublic charges no extra fee for foreign currency payments
• Saveback also works perfectly for foreign currency payments
• Traderepublic converts payments in other currencies into euros at what appears to be a relatively up-to-date exchange rate

Here is a screenshot of a payment from the supermarket as an example:

The saveback on the trip is of course - how could it be otherwise - invested in $BKNG invested 😉

In principle, the card works the same way abroad as it does in Germany. My experience with cashless and change-free payments abroad was so positive that I quickly decided to increase my position in Visa $V in Visa.

What experiences have you had with your Traderepublic card so far?

Stay tuned,

Yours Michael Scott

Guys, it's done!

I'm in six figures at the age of 30. Today, for the first time, the 100.000€ was displayed in the Trade Republic custody account for the first time.

Without any further incoming payments, I'll reach the million mark by the time I'm 60 if I earn 8% p.a.. can be brought in. This means that from now on, my primary task is no longer to continue to save strictly or to earn some pittance through overtime, but rather not to mess it up and actually make the 8%.

Only 1% deviation from the target return corresponds to a sum of €250,000 over this investment horizon, for which I would either have to work 10 years longer or wait 5 years longer for compound interest. So from now on I am already in the diminishing marginal utility of my gainful employment. Or as John D. Rockefeller put it: "Better to spend an hour thinking about money than an hour working for money"

It will continue to be important never to lose money (cf. Buffet) and never make withdrawals from deposits, i.e. to be cash flow positive. However, I could also invest my future savings installments in a property or something similar.

Nevertheless, I will continue to transfer as much net income as possible to the custody account each month and gradually invest the cash in shares. I'm not counting on an inheritance.

My next interim goals are

170,000€ at the age of 35

250,000€ at the age of 40

500,000€ at the age of 50

🚀Will the 'Magnificent Seven' continue to be so successful in the future? 💼🚀

$AAPL
$TSLA
$NVDA
$MSFT
$META
$AMZN
and $GOOGL have been dominating the stock market for some time now thanks to their popularity and market capitalization. Despite setbacks, their returns stand out and they can be found in almost every portfolio. Here is an interesting article on the prospects of the 7 stocks neuen Artikel:

The 'Magnificent Seven' represent the age of artificial intelligence more than most other stocks. Despite setbacks, they have remained a dominant force and recorded impressive growth rates. (1)

But while some stocks like $NVDA currently on course for success, others could, above all $TSLA may face different challenges. (2)

So does their potential remain exciting for investors? They are playing a key role in shaping the future of technology, but is that enough to continue delivering such returns?

More interesting performance comparisons and potential risks in the 2nd half of the genannten Artikels:)

Section 1 "Riding the market"

Section: "Who is the leader of the glorious 7?"

#glorious7

#magnificent7

#finanzen

#marktausblick

#finance

This article is part of an advertising partnership with Société Générale

Hello everyone! I've only been a passive reader so far, but now I wanted to share my portfolio with you. To the ETF savers: how do you manage to stay consistent? I'm always fantasizing about buying shares, at least some of the time. It's really hard to keep it up...

About me: The original investment volume was 100,000, which I invested and left in 2020. I'm a qualified banker and have now completed my law degree and will soon be starting my ref, so I can at least partially save something in the portfolio.

The original allocation was as follows:

30% Fidelity

25% MSCI world

20% S&P 500

5% Europe (only to compensate for the relatively small European share in the World)

8% India

8% Big Data&AI.

4% Gold

Overlaps are known and deliberately accepted.

I would like to use savings plans to bring the portfolio back to the target allocation.

I am also considering replacing Big Data with a semiconductor ETF. Both seem very relevant for the future to me, but the AI manufacturer needs the semiconductor, not the other way around 🤔

When I sometimes see your invested amounts, I feel like a gnat with the 30-40€ I have to invest per month😀

Fortunately, I'll have €50 more to invest next month as I've stopped smoking😛 yay!

Hello everyone,

Something completely different that has little to do with investing:

I take the train to work.

On the journey, I often notice that older people (30+, no offense meant ^^)

playing games on their smartphones & tablets...

Of course everyone is allowed to do what they want, I just think it's a shame that you don't have anything better to do on the train at that age...

(I, for example, read books for further education, inform myself about investments, listen to "meaningful" podcasts, manage my finances etc...)

Of course there are also people who do similarly meaningful things, I don't want to say that.

I don't want to praise myself or anything...

I see people in suits who look like they are bankers, lawyers or the like...who then play Candy Crush on their cell phones ^^

Since there are a lot of people here in the community with a high net worth/income, I wanted to ask if you do the same? (Maybe it's a secret tactic and I should do it too!)

Has anyone else ever noticed this?

(Like I said, no stress, no criticism, live & let live..just interested)