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 (+0,95 %) and $VEUR (+0,25 %) (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 (-0,02 %) or also $CSH (+0,03 %) 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 (+0,25 %) ) +15,32%

Eon ($EOAN (+0,08 %) ) +10,42%

Tesla ($TSLA (+6,58 %) ) +8,87%

Pepsi ($PEP (-0,35 %) ) -14,93%

UnitedHealth ($UNH (+0,29 %) ) -20,62%

Petroleo Brasileiro ($PETR4 (+0,53 %) ) -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 ($CTAS (+1,11 %) )
• LVMH ($MC (-0,01 %) )
• Microsoft ($MSFT (+0,43 %) )

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 (+0,68 %) , $EIMI (+0,15 %) and the $CSNDX (+0,91 %) .

Further additions are $WGLD (+0,47 %) and $BTC (+2,5 %) 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 (+2,63 %) is planned.

expected new additions this year:

$PANW (+0,49 %)

$ISRG (+0,69 %)

$RKLB (+4,25 %)

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

ING call money only at 0.75% from May...

Where do you have your nest egg?

I have already invested a part in $XEON (+0 %) . Would you like to add the rest or do you have other ideas?

If I have 5-10k that I want to put aside flexibly for the time being, the cash account from TR or the $XEON (+0 %) makes more sense.

Are there any advantages or disadvantages with one except that the money may not be available immediately when withdrawing from the Xeon?

Hello everyone,

I'm currently rummaging around a bit for alternatives to call money interest. In the process $XEON (+0 %) and $PR1H (+0 %) caught my eye. Both seem pretty similar to me, except that $PR1H (+0 %) is currently cheaper. What do you think? Are there any other opinions or perhaps even better or cheaper alternatives?

Thank you!

March is already over, daylight saving time is on and by the time you read this, it will be "liberation day". Let's see what Mr. Trump does today at noon. But that will probably be the subject of April.

For now, let's take a look back at my March 2025.

I posted a loss of 3.09% in March. With my portfolio size, this corresponds to a value of almost €4,000. The Dax (-1.72%) beat me again, but compared to the HSBC MSCI World (-7.88%) I am still doing very well.

Over the year (YTD), I lost ground to the DAX, which remained fairly stable, but at the same time I was able to extend my lead over the MSCI World. After all...

Overall, however, I am also satisfied in March. As in February, my portfolio is quite stable compared to the MSCI World. Yes, in good phases I forego profits, but I don't have so many losses now. Volatility is supposed to be a real mental challenge for some people. I'm just glad that things are a bit more subdued for me.

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

$EOAN (+0,08 %) EON +13.45%

$UNH (+0,29 %) UnitedHealth +7.15%

$ALV (-0,11 %) Allianz +6.60%

$RACE (+0,7 %) Ferrari -12.35%

$LLY (+0,8 %) Lilly -13.04%

$MC (-0,01 %) LVMH -17.71%

Funny that UnitedHealth was the second worst performing stock in February and now the second best.

Dividends:

In March, I received a net €165.60 from a total of 22 distributions.

Compared to March 2024 (€128.38), that was an increase of 28.99%

Investments:

As I mentioned in February, I am still building up my nest egg again. This is also not yet complete.

A special payment is due in April, but this will go into the $XEON (+0 %) as I am saving all the special payments for the loan repayment in 5 years' time.

I have actually stopped some savings plans in order to have more money for individual purchases or to build up cash. More on this later.

Buying and selling:

There were no sales this month.

I bought Ferrari, and there is still room here until the position is full.

As I mentioned above, I stopped some savings plans. Realty, STAG, Gladstone Investment and Hercules Capital have been stopped. I would like to add to Realty again to fill the position (I'm still €300 short). The price of the others is moving sideways, so I imagine that I will be able to buy them at a later date at the same price.

Savings plans (total €175):

• Cintas ($CTAS (+1,11 %) )
• LVMH ($MC (-0,01 %) )
• Monster Beverage ($MNST (-0,4 %) )
• Microsoft ($MSFT (+0,43 %) )

Goals 2025:

My goal is 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 the sale of useless items 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 March 2025: 21.05%

So I'm on the right track (so far), although I would have needed a bit more in March to maintain the average. Well, everything is still open at the moment.

Now I'll wait and see what tariffs come in today (or not), look forward to the dividends and just wait and see. "Because doing nothing often leads to the very best of something."

How was your March? I have the latent hope that, for once, I did better in March than my usual 50% or so of the getquin community.

#washbaerreview

(see @Epi )

The TIPS indicator is extremely positive, but the S&P 500 is clearly below its SMA.

This makes the first month with this strategy the worst since 2000, nice.

Previously the maximum drawdown was -18.9%, now it is just over -20%.

I have already warned that the strategy may not be as robust as expected, but I will continue to stick with it. I have also experimented a bit to limit the drawdown (e.g. selling at -15% within a month directly in the month and not at the end). However, this led to a significantly worse performance, as it was surprisingly often the case that the index was higher at the end of the month.

I probably have a few more months now (on average SPYTIPS is 3.88 months out of the market), maybe I can think of something else.

Here are the general stats again:

CAGR: between 16-18%pa (with money market funds)

max drawdown: -20%

Beta vs SP500: 0.91

Alpha vs SP500: approx. 8%pa

Avg time in market: 5.96 months

Avg time out market: 3.88 months

Profit probability of an in market period: 79%

Avg profit in an in market period: 15%

the money now goes into $XEON (+0 %)

My son is just graduating from high school and wants to go to university. The difficult question now is how he can invest his reserves (gifts of money, prize money, jobs) sensibly for the next few years.

He knows a little about the stock markets and has already gained some experience with precious metals and crypto. So he knows that the markets can fluctuate considerably.

Saving for retirement interests him just as little as the stock market or money in general. He looks at his portfolio from time to time, but doesn't want to worry about it. First of all, he wants to concentrate on his education and his studies. That's what he needs his savings for in the next few years (apartment, travel, equipment). I currently have his custody account with Zero in my name, but when he turns 18 he'll get it transferred.

His risk profile is somewhat special:

1. he doesn't want equity ETFs because of the medium-term volatility. He wants to be able to use the reserves at any time. If he needs the money in 2-3 years' time, he doesn't want such an ETF to be 50% under water.

2. he is also not interested in bond ETFs, as he does not want to grant loans in the current geopolitical situation. Moreover, the distributions would be peanuts given the size of his portfolio.

3. money market ETFs are more interesting because of the low risk, but only yield minimal interest. It should be a little more.

4. gold and Bitcoin are attractive because they tend to stand for security in uncertain times. BTC is also cool. However, both are also volatile.

5. he wants a maximum of 10% risk, but also the chance of >5% returns over the next few years.

So the profile is: low risk. Short-term availability, but still a return above the overnight interest rate.

My proposed solution, which he has accepted for the time being:

80% $XEON (+0 %)

10% $IGLN (+0,23 %)

10% $WBIT (+3,49 %)

So that's 80% safe liquidity. 10% risk/return with BTC and 10% security with gold (annual rebalancing). The volas of gold and BTC should balance each other out so that the influence on the overall vola of the portfolio is as low as possible. A short backtest since 2018 has shown an annual return of approx. 10% with a max drawdown of approx. 10%. Whether this will work out in the future is of course unknown, but the portfolio has obviously survived the sharp drawdowns of BTC well.

What do you think of this - admittedly unconventional - concept? Does it make sense under the given circumstances? Have I missed something? I would be interested to hear your views.

Your Epi