🌤 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 (+2,66 %) and $IBU (-4,27 %) went through the roof - reason enough to take a few profits. In return $OTEX (+1,74 %) was added to the portfolio. In addition $AAPL (-0,45 %)
$MSFT (-0,73 %) and $RWE (+0,64 %) sold. Back in the depot: $AWK (+2,69 %)
$SHL (-7,79 %) and $CAKE (+0,61 %) received an extra portion of capital.

The $XEON (+0 %) 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 (+4,57 %) ) Eli Lilly +20.29%

🟢 ($MC (+1,06 %) ) LVMH +17.59%

🟢 ($STAG (+0,24 %) ) STAG Industrial +11.02%

🔴 ($CTAS (-0,03 %) ) Cintas -8.41%

🔴 ($TXN (+0,69 %) ) Texas Insturments -11.09%

🔴 ($RACE (+2,43 %) ) Ferrari -15.71%

Dividends:

October 2025: €126.83

October 2024: € 147.55

Change: -14.04%

Sales:

🟥 None

Purchases:

🟩 ($ULVR (+0,32 %) ) Unilever (8 pcs.)

🟩 ($WM (-0,11 %) ) Waste Management (2 pcs.)

Savings plans:

($CTAS (-0,03 %) ) Cintas (50€)

($MC (+1,06 %) ) LVMH (50€)

($MSFT (-0,73 %) ) 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 %) (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.

Hello everyone,

After a long time as a silent reader, I would like to share my first post today - with a question that is currently on my mind.

My children benefited early on from an inheritance. I invested the capital I received in a long-term, broadly diversified portfolio:

• 65 % in $WEBN (+0,21 %) - as a low-cost basic investment
• 20 % in $WTCH (+0,92 %) - as a growth-oriented addition.
• 15 % in the $XEON (+0 %) - originally intended as a liquidity reserve. It seemed sensible to me, although I would never have been able to say what this liquidity was being held for...

As my children won't need the money in the money market ETF for the next few years, I'm now thinking about reallocating this proportion. At the moment I'm flirting with a gold ETC - e.g. $4GLD (+1,36 %) or $EWG2 (+1,43 %) .

My reasoning: Gold has become much more expensive recently, which makes me wonder: Is now even a good time to get in? Or would a staggered purchase over several months (keyword: DCA) make more sense in order to reduce the risk of a short-term price decline?

My questions to you:

How sensible is gold as a long-term addition (investment horizon: initially 10-15 years) in a child's portfolio?

Would you completely reallocate the money market portion now - or would you rather invest in a staggered manner (DCA)?

I look forward to your opinions! Thank you already for your input - and it's great to be actively involved now!

Best regards

Joo

I'm starting my DIY pet health fund strategy to cleverly manage vet costs myself, I thought it would be much more fun to be my own insurer.

After reviewing and calculating the costs, I came to the conclusion that I would pay €30-40/month for my cat, assuming she has a life expectancy of 13-15 years, into a defensive portfolio instead of a monthly insurance premium.

From the age of 8 - 10, I expect the risk of more frequent treatments and high vet costs to increase enormously as my cat gets older.

Of course, I am aware that high costs can also arise much earlier, but you don't always have that when you build up reserves for a possible event in the future.

📊 I would start with this breakdown:

🛡️60% defensive (money market & short bond ETFs) = capital preservation & liquidity

• 30%$XEON (+0 %)
• 
  30% $CSBGE3 (-0,02 %)

⚔️40% offensive (equity & gold ETFs) = growth & inflation protection

• 20% $IS3Q (+0,47 %)
• 
  10% $IWDA (+0,3 %)
• 
  10% $EWG2 (+1,43 %)

🏦 Payout rules:

• Deductible: €250 - €300, anything above that I will take out of the portfolio so as not to put too much strain on the capital stock.
• Liquidity buffer: at least €1,500 p.a. should be available in the defensive part of the portfolio.

🚨 The whole thing should give me more control and better returns in the long term - without the profit margin of an insurance company.

💬 Your opinion is not only wanted but also important. What do you think of such a DIY model? Risk or opportunity?

#DIYinsurance

Hello GetQuin Community,

since it has also become a bit quiet for me, there is a small update today.

My core still includes $IWDA (+0,3 %)
$CSNDX (+0,51 %) and $EIMI (+0,34 %)

Total: (approx. 46.4%)

across all assets: $WGLD (+1,36 %)
$BTC (+2,25 %) and $XEON (+0 %)

Total: (approx. 17.08%)

Here the $IWDA (+0,3 %) with 120€/month and $BTC (+2,25 %) with 70€/month

Individual purchases will of course be made on occasion.

----------

Two new shares were added over the course of the year. The following were added $ISRG (+0,16 %) and $RKLB (+0,41 %) these are still in the expansion phase ($ISRG (+0,16 %) = 100€/month and $RKLB (+0,41 %) with targeted individual purchases). Total, all shares: (approx. 36.52%)

There should also be a candidate from the cyber 'sector, which I have been watching for some time $ZS (-1,8 %) and $CRWD (-0,58 %) and from the network technology sector $ANET (+5,05 %)

This leaves a balanced mix of growth and quality stocks.

----------

In addition, the cash position is also being built up a little more each month (approx. €350/month), which currently stands at around €1,500

Nest egg also remains stable at around €10,000

---------

My goal was to bring the portfolio up to €30,000 by the end of the year. This was already achieved in September, at least in terms of "momentum". I have therefore revised my forecast upwards and now expect to reach around €34,000 by the end of the year (including the savings ratio).

That was my word for Sunday.

LG

Paul

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (+0,3 %) be

10% $XMME (+0,65 %)

10% $WSML (+0,3 %)

8,5% $GGRP (+0,46 %)

8,5% $TDIV (+0,76 %)

7% $CSPX (+0,32 %)

5% $BTC (+2,25 %)

5% $EWG2 (+1,43 %)

5% $XEON (+0 %)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

Actually, I'm just a silent reader here, but I'd like to introduce myself and my overall portfolio.

First of all, about me and my family situation:

I am now 40 years old, married and have 2 children (3 and 8 years old).

My first "real" salary only came in 2013 for me and 2015 for my wife after her traineeship.

I/we only started investing and/or saving shortly before coronavirus.

Before that, my wife and I dutifully paid back our student loans from the KFW bank. We both paid €500 in tuition fees for each semester in NRW and as we didn't receive any financial support from our parents (it wasn't a case of not wanting to, but not being able to), we also received Bafög on top of our student job salary.

My wife works part-time 60% as a teacher and I earn my money as a store manager.

We have around €6,000 as a joint household net income, which is enough to live on in Cologne, but is a far cry from an annual 14-day all-in vacation in a family hotel.

Our savings behavior:

Pot I

This is where we save up equity for a single-family home for our own use, with varying degrees of success.

Somehow it's like tilting at windmills.

We save €300 a month here.

As of now approx. 30000€

• 250€ $XEON (+0 %)
• 
  50€$SPYI (+0,32 %)
• 
  irregularly in fixed-term deposits with a short term

Pot II

This is our pension pot. We save €275 per month in this pot (annual adjustment of 5%).

As of now approx. 7500€

• 27,50€ $EQQQ (+0,56 %)
• 
  27,50€ $EWG2 (+1,43 %)
• 
  27,50€ $BTC (+2,25 %)
• 
  27,50€ $TDIV (+0,76 %)
• 
  165€ $SPYI (+0,32 %)

One core and four satellites with different directions.

Pot III

Our nest egg is invested here in call money. The nest egg is actually full, but more is always possible;

another €50 a month goes in here

Pot IIII

This actually consists of several pots and is more of a consumption pot.

• Reserves/wear and tear/new purchases 150€
• Vacation 100€
• Family fun (larger trips, eating out, etc.) €50

However, this is only the fixed part.

At the end of the month, this pot and pot I receive equal amounts (25% of the money) that is "left over" at the end of the month.

This is usually €250-600 depending on how quickly children's feet grow or pants wear out 😁

Owning a home is not a must and we have no need. We live in a nice modern 4-room apartment in a quiet area of Cologne for rent with moderate to low rent.

We have a car that belongs to us, which is driven to the end and one that I pay tax on every month.

I hope I haven't forgotten anything. Sometimes the principle of pots seems too complicated and kind of quirky, but it works for us.

You are welcome to leave me feedback.

$XEON (+0 %) If you look at the last few months, the increase in the annual return has steadily leveled off. We are now at 2.7%. Things have gone downhill in the past.

What do you think, are there more stable alternatives?

2 % pa call money account TR vs. $XEON (+0 %) or similar