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 (+0,07 %)
$BTC (-0,29 %)
$XRP (-0,52 %)
$ETH (-0,7 %)
$SOL (-0,26 %)
$MSTR (-1,65 %)
$BMNR (+0 %)
$MARA (+0,37 %)
$IBIT
$IB1T (-0,8 %)
$ETHA

According to the Financial Times, the EU is considering the digital euro for its CBDC, $SOL (-0,26 %) or $ETH (-0,7 %) to use😂

Wild. Then the EU plays by the rules of the Solana or Ethereum Foundation😁

https://www.ft.com/content/8ad60169-d1e5-4d2c-b928-d53d668f0ec6

https://www.coindesk.com/de/policy/2025/08/22/u-s-stablecoin-law-jolts-eu-into-rethinking-digital-euro-strategy-ft

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

$ETH (-0,7 %) 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 (-0,29 %) significantly outperforming the proportional comparison.

$SOL (-0,26 %) and $XRP (-0,52 %) 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

Hello everyone, I already have $BTC (-0,29 %) and $SOL (-0,26 %) on my TradeRepublik, but I don't feel so comfortable with it. I would like to get into the following projects during the next fear phase :

$SUI (-0,64 %)

$KAS (-0,12 %)

Not quite convinced yet, as I simply missed the boat here and was always hoping for a "better start". $ETH (-0,7 %)

This is where the greed got me, tick it off and do better next time. I also find Tao and Ondo interesting. But these are all projects that are not tradable on TradeRepublik apart from $ETH (-0,7 %) and those already mentioned.

Now to the question :

-Which platform / broker is the best for you and why?

-Which projects are you looking at for the next setback ?

-What have you learned in terms of "greed", whether crypto or equities?

Today I have changed my position in Solana (SOL) sold.

📉 Reason: High volatility and lower priority in my future crypto strategy. I want to focus on projects with a clearer long-term perspective.

💰 Use of funds: Reinvestment in Ethereum (ETH) to strengthen my core position in the crypto segment.

Hello Testo crew,

are we all going to be millionaires now? YES! :) $BTC (-0,29 %)
$ETH (-0,7 %)
$SOL (-0,26 %)

Little fun, the little pump is fun, but I'm still skeptical about it because the euphoria is at the top again....

That's why I think we'll come down again in September and it might be the last chance to get in and profit from the massive price rises....

I will buy again $KAS (-0,12 %) for €10,000 with 2 leverage at 5 cents, if possible. Whether we will see another 50% drop in the price remains questionable, of course.

What do you think?

Do we go straight to the moon or rather down again?

Greetings

Testo

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 (-0,26 %) (+21.8 million US dollars)

• $XRP (-0,52 %) (+18.4 million US dollars)

• $NEAR (+0,6 %) (+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 (+0,31 %)
• 
  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 %)
$CVX (-0,2 %)
$XOM (+0,25 %)
$RIO (+0,33 %)

Insurers & reinsurers:

Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (-0,33 %)
$SREN (-0,56 %)
$SLHN (+0,27 %)
$HNR1 (-0,16 %)
$MUV2 (-0,35 %)

Finance & payment transactions:

Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+0,84 %)
$BRO (-0,31 %)
$MMC (-0,51 %)
$V (-0,56 %)
$MA (-0,6 %)

Technology & data:

Alphabet 👀, NVIDIA ❌ , Palantir ❌,

Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+0,76 %)
$AAPL (+0,15 %)
$GOOGL (+1,76 %)
$PLTR (+1,4 %)
$NVDA (+1,7 %)

Health & consumption:

Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (-0,73 %)
$NOVO B (-0,82 %)
$ZTS (-1,44 %)
$KO (-0,98 %)
$WMT (-0,18 %)

Automotive & Mobility:

BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (-0,85 %)
$BMW (+0,84 %)
$MBG (+0,89 %)

Cryptos

• XRP ✅ $XRP (-0,52 %)
• 
  RENDER ✅ $RENDER (-0,24 %)
• 
  Bitcoin (BTC) ❌ $BTC (-0,29 %)
• 
  Solana (SOL) 👀 $SOL (-0,26 %)
• 
  Ethereum (ETH) ❌ $ETH (-0,7 %)

For the weekend

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

📈🌾

Hello everyone,

I am 28 and would like to invest for the long term. My savings rate is around 600€-800€ per month.

Briefly about the current positions:

The $VWRL (+0,31 %) position is in the savings plan.

$ALV (-0,33 %) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (-0,26 %) was also once in a savings plan. The aim here was to generate cash flow, but I would now rather reallocate in order to get a higher return in the long term.

$MEUD (-0,01 %) runs in the savings plan to increase the European share.

$IUIT (+1,05 %) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-0,29 %)
$ETH (-0,7 %)
$SOL (-0,26 %) are partly older. I am considering expanding them.

I would be pleased to hear your ideas and opinions on what you would do - also with regard to regrouping and structuring the savings plans.

Thank you very much for your encouragement!