Good morning dear Getquin members,

a healthy and successful 2025 from me too.

Today I am writing a post on the computer and hope that the grammar and sentence structure is better than on the mobile device.

My thanks go to the members here:

@Simpson
@TomTurboInvest
@InvestmentPapa
@Lorena
@Alumdria
@DividendenWaschbaer and many others who have changed their names or are no longer active here. Great contributions, interesting dialogs and stay as you are.

It was a coming and going (thank God) of some users here. But the population has remained except for a few who are no longer active here.

So now to my post background:

I received a lot of Sankey from you in 2023 and always asked myself how I was doing. After (unfortunately) not keeping a budget book for a long time, in 2024 I had the motivation to meticulously document my expenses every day. Even in the pub, on vacation or anywhere else, I had a small backup book with me and wrote down the beer mat. :-)

Now here is the overview for you.

My other monthly or one-off income and expenses. At the end of the year 2024 divided by 12, this gives you an overview of my average monthly income vs. expenses.

My expenses are surprisingly high:

• Purchases in supermarkets ~500 EUR per month (food and drinks)
• cars Mobility ~650 EUR (insurance and repairs) without refueling
• Vacation ~550 EUR (I go on vacation twice a year for 3 weeks - that costs, as well as a weekend in the Alps once a month)

Since I expect higher costs in 2025 (property tax (taxes are robbery), mobility and various increased insurance premiums that are already here for transfer, I will look at the potential for savings in detail...

The employer has also reduced the salary (special payment and Christmas bonus) by approx. 5% in 2025, the 2% pay rise won't help here either

I received the graphic here: #sankey
#sankeychallenge

https://sankeymatic.com/build/

Sankey Motivations received from: @Fabzy
@DonkeyInvestor

Result of my Sankey budget book:

Income minus expenses is savings amount (wrote a user here the other day) is invested in

2 parts: $VWRL (+0,76 %)

2 parts: $VUAG (+0,81 %) and

1 part: $CSNDX (+1,24 %)

So if you have any suggestions, motivations or questions, please leave them in the comments.

So long Smudo

TradeRepublic is offering a new way to give away shares and ETF units. It's easy to do by e-mail and gives you the chance to win shares worth up to €10,000.

You can now send shares and ETFs directly by e-mail. If you send a value of at least €25, you automatically qualify for the competition.

If you don't have any friends, you can also send the shares to yourself and take part in the competition yourself.

I personally find it really interesting and would have tried to motivate some people to start investing.

Well, unfortunately I didn't win anything, but I wish you every success. Who will you be sending a share to? 🎁

$VUAG (+0,81 %)
$IWDA (+0,64 %)
$MNST (-0,06 %)

It all started in 2022 with €3,000 seed capital. I didn't have a sophisticated strategy at the time, my first purchases were McDonalds, Berkshire, Nvidia and Microsoft.

Over time, my ambition grew, my savings rate increased and a suitable strategy developed for me.

It feels good to achieve the first big goal, but the journey will continue and I am already looking forward to achieving further goals.

My €500 savings plan on the S&P500 $VUAG (+0,81 %) is still running. From 2025, I will build up a slightly larger cash position in parallel for further options, job training, real estate, dividends, etc.

06.11.2024 ✔️

I'm approaching the first €100,000 and my savings plan is running at €500 a month. $VUAG (+0,81 %)

The US elections are a global event that affects not only the political but also the economic world. As I am looking to invest a larger amount in the S&P500 myself, I have been wondering how the stock markets will perform after a presidential election. Historical data shows some interesting patterns that give us insight into how markets react to election outcomes.

Short-term uncertainty and volatility

Before and immediately after elections, markets often experience a period of heightened volatility. Uncertainty about which political guidelines the new president will implement leads investors to act more cautiously. For example, the unclear election result in 2000 between George W. Bush and Al Gore led to a temporary decline in the S&P 500 until the Supreme Court made a final decision and the market regained stability.

Republican or Democrat - does it make a difference?

Interestingly, both parties have historically delivered positive stock market returns, but the immediate market reaction often differs depending on the party affiliation of the election winner. A Republican victory, as with Donald Trump in 2016, is often associated with pro-business policies, such as tax cuts and less regulation, which can lead to a short-term rise in stock prices. After Trump's election, the S&P 500 gained around 5% in the remaining weeks of 2016 as investors hoped for deregulation and economic stimulus.

Long-term market performance - focus on the economy and monetary policy

While elections undoubtedly have a short to medium-term impact, long-term market performance is more dependent on general economic conditions and monetary policy. Under presidents of both parties - from Obama to Biden, from Bush to Trump - the stock markets recorded positive returns on average. The Federal Reserve's expansionary monetary policy often played a decisive role in this, as low interest rates and bond purchases supported the markets and boosted growth.

Conclusion

The stock market often reacts positively in the short term to the clarification of political uncertainties after elections. In the long term, however, general economic conditions and monetary policy measures are of key importance. Regardless of the president's party affiliation, historical data shows that stock markets can achieve growth under either party.

$VUAG (+0,81 %)
$VUSA (+0,82 %)
#usa 🇺🇲

https://www.nber.org/

https://www.cfr.org/election2024/candidate-tracker

https://www.cfr.org/

https://www.spglobal.com/en

What do you think of this article in relation to the S&P500?

https://www.business-punk.com/2024/10/goldman-sachs-prophezeit-ende-der-party-so-geht-es-fuer-den-sp-500-weiter/

$VUAG (+0,81 %)