Hello everyone,

First of all, let me introduce myself: I'm Robin, 20 years old and I'm just about to finish my apprenticeship. I have already been involved in crypto and share trading for about 1-2 years on and off and have also made small investments, which I would now like to expand and deepen after completing my education.

As I am still pretty much at the beginning, I would like to ask you for tips and advice.

In order to learn more in general, I would also like to buy a book or two on the subject of investing. This brings me to my first question:

• Can you guys recommend any books or other resources? Of course you can find a lot on the internet, but unfortunately there is also a lot of misleading information or products that are supposed to make money but ultimately don't help. I'm also simply missing some technical terms and certainly some basic knowledge that I would like to learn and understand before I get fully involved with investing.

I also have other questions that some of you with more experience may be able to answer better and more easily:

• Why can it be advantageous to buy shares/stocks of a company (e.g. $NOVO B (-2,62 %) ) despite a constantly falling share price?

I have already read individual posts on this subject and have noticed that opinions on the company are sometimes very divided. However, I am increasingly seeing that many investors are using it to expand or further increase their portfolio.

• How do you analyze shares comprehensively before deciding to invest?

This is a very general question, so the answer here is probably too broad. I would therefore like to refer back to my first question about books. Surely there are books, platforms, social media channels, etc. that go into this in depth and can explain it in the best possible way. I would be very grateful for any suggestions or experiences.

• Why are some shares (e.g. $VOW (-0,99 %) ) are not always in such high demand despite their high dividend yield?

I follow news and I am aware that VW is not the best choice at the moment (e-car demand, profit slump, ...). In my opinion, it is a stable company with a high dividend yield and yet is not as sought after as expected. Are there specific reasons for this or is it just due to the current situation?

• Conversely, there are shares (e.g. $BLK , $GOOGL (+1,27 %) ) that are in greater demand despite a comparatively low dividend yield. Are we simply expecting an increase in the share price or why are such shares also in high demand when you can simply buy shares with a high dividend yield?

• Finally, I have a question about the share portfolio. It is of course advantageous to diversify your investments (ETFs, shares, crypto). There are a lot of large companies in various sectors in which you can buy shares. Do you have any recommendations for a good allocation so that it is not too one-sided in one area?

Of course, I could find all this out myself through my own research & and I would like to do that - but a little help with tips & advice would help me a lot to get started.

I look forward to hearing from you and thank you for your answers :)

Hello Community,

My bonus will hopefully arrive at the end of April and of course I want to invest it. I'm currently toying with the idea of dividing it up roughly as follows:

• 25% in $IWDA (+0,44 %) / MSCI World
• 15% in $MEUD (+0,55 %) / EuroStoxx Europe 600
• 10% in $BTC (-0,61 %)

For the rest, I would like to lower my entry prices depending on the market situation:

• $MSFT (+0,27 %)
• 
  $NVDA (+0,4 %)
• 
  $GOOGL (+1,27 %)
• 
  $NOVO B (-2,62 %)
• 
  $AMZN (+0,1 %)
• 
  $AMD (+1,56 %)
• 
  $NKE (+1,6 %)
• $HIMS (+8,65 %)

Possible first entries would be the following:

• $AAPL (-0,21 %)
• 
  $CMG (+0,09 %)
• 
  $RACE (+1,12 %)
• 
  $V (+0,74 %)
• 
  $BSX (+0,42 %)
• 
  $BLK

In the end, one or the other will certainly be thrown out, as I don't get a million-dollar bonus here 😥. The investment period is > 15 years, so I'm not even trying to time it here, unless the prices have gone up 40% by the end of April, which I'm not assuming. I am well aware that the MSCI World already tracks a lot of the individual stocks.

Do you still have any exciting quality stocks that are worth a look?

Thanks!

✅ Just confirmed: BlackRock uses Bitcoin in model portfolios for the first time

BlackRock is integrating Bitcoin into its model portfolios for the first time. This means that Bitcoin is now officially part of BlackRock's $150 billion investment strategy.

"BlackRock's Model Portfolio is a preconfigured, diversified investment strategy based on specific investment objectives, risk profiles and market analysis. It is managed by BlackRock experts and is designed to help investors take advantage of an optimized asset allocation without having to actively manage it themselves."

💡 The most important points:

📌 1-2% bitcoin in the $48 billion iShares Bitcoin Trust ETF (IBIT) for alternative allocations

📌 Model portfolios are booming - adjustments can trigger billions in capital movements

📌 Despite crypto correction, BlackRock believes in Bitcoin as a long-term investment

📌 IBIT was one of the most successful ETF launches, attracting over $37 billion in 2024

📌 Focus on alternatives is increasing - investors are looking for new diversification opportunities

🔥 Why is this a game changer?

The signal from BlackRock is unmistakable: Bitcoin is no longer a niche asset. It belongs in institutional portfolios, and that opens the door for even more capital flows.

$BTC (-0,61 %)
$BLK
$BLK (-0,34 %)
#crypto
#etfs
#bitcoin

For my Blackrock shareholders 🫶🏾$BLK

Introduction:

BlackRock and T. Rowe Price are two prominent asset managers that offer both active funds and ETFs. When deciding whether to invest in these companies' stocks, their active funds or their ETFs, it is important to understand the differences and characteristics of these investment vehicles.

Shares of asset managers:

• BlackRock ( $BLK
  ): Current share price: USD 973.92. BlackRock is the world's largest asset manager with $11.6 trillion in assets under management as of the fourth quarter of 2024. The company offers a wide range of investment products, including ETFs and active funds.
• T. Rowe Price ( $TROW (+0,48 %)
  ): Current share price: USD 107.17. T. Rowe Price had USD 1.61 trillion in assets under management as of December 2024 and is known for its active investment strategies. Unlike BlackRock, T. Rowe Price does not currently offer any crypto-related products.

Active funds vs. ETFs:

• Active funds: These are actively managed by fund managers who try to outperform the market by making targeted investment decisions. Active funds usually have higher fees due to the intensive management. T. Rowe Price is known for its active funds and has recently begun to transition some of these strategies into active ETFs. Example $TTEQ
• 
  ETFs (Exchange Traded Funds): ETFs are mutual funds that trade on exchanges and typically track an index. They offer diversification and often have lower fees. BlackRock is a leading provider of ETFs, including active ETFs that have the potential to outperform the market. Example $IVV (+1,06 %) or the crypto ETFs $IBIT

Cost comparison:

• Passive ETFs: Typically below 0.20% total expense ratio (TER) for standard products.
• Active ETFs: Between 0.20% and 0.85% TER for equity ETFs.
• Active funds: Well above 1% ongoing charges.

Performance comparison:

Some studies show that actively managed funds can outperform passive ETFs in certain market phases. For example, actively managed growth funds from T. Rowe Price and Fidelity outperformed the Vanguard Growth ETF over a short period.

Bottom line:

Choosing to invest directly in BlackRock or T. Rowe Price stocks offers the benefit of participating in the success of these asset managers, including their exposure to the crypto space, particularly BlackRock. However, this comes with specific business risks. Buying ETFs from these providers allows for broader diversification but reduces direct exposure to cryptocurrencies. The choice should be made based on the investment period and risk appetite.

I would be interested to know how you see this and why you chose the exact asset you have in your portfolio?

Ps: If there are any spelling mistakes or anything else, please let me know. Should be an attempt to have a discussion at a higher level.

The geopolitical tensions between the USA and the EU and the growing discussions about an EU armyand more independence in terms of security policy make the topic of defense spending extremely exciting. I believe it is very likely that Europe will invest massively in this area over the next few years - a clear catalyst for the defense industry.

I find the S&P $SPGI (+0,81 %) Developed BMI Select Aerospace & Defense Indexwhich BlackRock $BLK launched as an ETF a year ago. Alternatives such as VanEck and HANetf also exist, although the latter Palantir
$PLTR (+0,57 %) in the portfolio - still too early for me.

Anyone looking for an opportunity to profit from Europe's rearmament and the changes within NATO should definitely keep an eye on this sector.

$DFND (+0,46 %)

Larry FinkCEO of $BLKcalled at a panel discussion at the #wef2025 the EU to open up the capital market & banking union to make Europe a single market.

"Europe is currently a myth. A beautiful myth, but it doesn't work. It doesn't work compared to the strength, innovation and entrepreneurship of the US and its ability to adapt quickly. If you look at China, you also see a spirit of innovation and development. Europe needs to catch up here"

Christine LagardePresident of the ECBreplied:

"Europe is not a myth or a lost cause. Europe is a great example of transformation. Nevertheless, I agree that it is not currently functioning as a single market."

Fink went on to explain that Europe is currently suffering from an overly pessimistic perception:

"I think it's time to invest in Europe again. There are risks in every economy, but Europe is underestimated."

On the US economy, he said:

"The US economy is bigger than any single political party or president. If we were to activate private capital faster and with less regulation, it could reduce U.S. dependence on fiscal problems."

On the subject of interest rates Finkthat the FED may still have room to cut interest rates. He predicted that the yield on 10-year US government bonds theoretically to 5,5% could rise, although it currently stands at around 4,64% currently stands at around 4.64%.

Christine Lagarde:

"I would like to emphasize what Europe is strong in. If we look at the current figures: The debt ratio is around 80% of GDP, the deficit of the eurozone as a whole is around 3%. Inflation is currently 2.4%, with strong confidence that it will continue to fall. Interest rates are at 3%. Europe has enormous talent, huge savings and a wake-up call that is driving Europeans to act. If European leaders take this wake-up call seriously, recognize the existential threats and act accordingly, then Europe has enormous potential."

She agreed with Fink with regard to the banking union:

"We need a banking union and a capital markets union. We need to keep talent and savings in Europe and perhaps also attract talent from other parts of the world."

Moderator Sara Eisen posed the question of whether President Trump's statement that the EU is treating the USA unfairly in trade is true.

Lagarde:

"One thing Europeans have learned since the Second World War is that you cannot act alone. Cooperation, mutual respect and understanding are essential. To achieve this, you sit down at a table and work together. Trade relations must be organized within a framework that creates trust between the partners. It cannot be about abolishing all rules or ignoring institutions."

Kristalina GeorgievaManaging Director of the International Monetary Fund:

"We see that countries are increasingly trading with politically like-minded states. But the most successful countries are those that work with everyone."

Tharman Shanmugaratnam, President of Singapore:

"Whether it is tariffs, subsidies or the current forms of industrial policy, these developments are driven more by political calculations than economic considerations.

driven by political calculation rather than economic considerations."

https://m.youtube.com/watch?v=k7rBsMrx094&pp=ygUNTGFnYXJkZSBGaW5rIA%3D%3D

January 20-24, 2025, Davos, Switzerland

The World Economic Forum (WEF) is an international organization founded by Klaus Schwab in Switzerland in 1971. It promotes cooperation between business, politics, science & civil society. The Annual Meeting takes place in Davos. The motto for this year:

"Cooperation in the age of intelligence"

The World Economic Forum 2025 is dedicated to a wide range of topics, including geopolitical tensions, economic growth and the transition to clean energy. At the same time, tech, AI, quantum computing & biotech also play an important role.

As always, there will be posts on all relevant topics from @HennRes & @Michael-official will be published. Under the #wef2025 you will be able to view all posts in chronological order.

Main topics:

• Rethinking growth: How can we tap into new sources of economic growth?

• How can companies respond to tech and geopolitical upheaval?

• What measures promote education, health & human capital?

• How can innovative partnerships & techs drive climate protection?

• How can cooperation be strengthened to overcome social divisions?

Participants from politics & business.

Over 350 government representatives, including 60 heads of state & government, 1600 people from the private sector, including 900 CEOs and over 170 people from NGOs, trade unions, academia and indigenous peoples are also present.

The key figures from politics are:

• 🇺🇸 Donald J. Trump(soon to be) President of the USA (via video link)
• 🇪🇺 Ursula von der Leyen, President of the European Commission
• 🇨🇳 Ding XuexiangVice Prime Minister of the People's Republic of China
• 🇦🇷 Javier MileiPresident of Argentina
• 🇩🇪 Olaf Scholz, Chancellor of Germany
• 🇿🇦 Cyril Ramaphosa, President of South Africa
• 🇪🇸 Pedro Sánchez, Prime Minister of Spain
• 🇨🇭 Karin Keller-Sutter, President of the Swiss Confederation 2025
• 🇺🇦 Volodymyr Zelenskyy, President of Ukraine

Executives from the private sector (who are expected/ not offical)

Technology sector

• 🇺🇸 $MSFT (+0,27 %) (Microsoft) - Satya Nadella, CEO
• 🇺🇸 $AMZN (+0,1 %) (Amazon) - Andy Jassy, CEO
• 🇺🇸 $IBM (-0,28 %) (IBM) - Arvind Krishna, CEO
• 🇺🇸 $MSFT (+0,27 %) (Microsoft) - Bill Gates, co-founder and head of the Bill and Melinda Gates Foundation
• 🌎 Cohere - Aidan Gomez, CEO
• 🌎 $META (-0,65 %) (Meta) - Yann LeCun, AI scientist
• 🌎 OpenAI - Sam Altman, CEO
• 🇺🇸 $TSLA (+2,05 %) (Tesla) - Elon Musk, CEO

Financial sector

• 🇪🇺 ECB - Christine Lagarde, President of the European Central Bank
• 🇫🇷 ECB - Francois Villeroy de Galhau, President of the French Central Bank
• 🇩🇪 German Bundesbank- Joachim Nagel, President
• 🇺🇸 $BLK (BlackRock) - Martin Lück, Chief Investment Strategist
• 🇳🇱 $ING (+0,8 %) (ING) - Carsten Brzeski, Chief Economist at ING Germany

Banking sector

• 🇺🇸 $JPM (-0,08 %) (JPMorgan Chase) - Jamie Dimon, CEO
• 🇨🇭 $UBSG (-0,55 %) (UBS) - Sergio Ermotti, Group CEO
• 🇨🇭 $UBSG (-0,55 %) (UBS) - Colm Kelleher, President
• 🇩🇪 $DBK (-1,13 %) (Deutsche Bank) - Christian Sewing, CEO
• 🇺🇸 $GS (+0,05 %) (Goldman Sachs) - David Solomon, Chairman and CEO
• 🇺🇸 $BAC (+0,45 %) (Bank of America) - Brian Moynihan, CEO
• 🇺🇸 $C (-0,3 %) (Citigroup) - Jane Fraser, CEO
• 🇬🇧 $HSBA (+0,61 %) (HSBC) - Mark Tucker, Group Chairman
• 🇬🇧 $HSBA (+0,61 %) (HSBC) - Michael Roberts, CEO of HSBC Bank
• 🇺🇸 $MS (-0,35 %) (Morgan Stanley) - Ted Pick, CEO
• 🇬🇧 $BARC (+0,54 %) (Barclays) - C.S. Venkatakrishnan, CEO
• 🇫🇷 $GLE (+0,42 %) (Société Générale) - Slawomir Krupa, CEO
• 🇮🇹 $UCG (+0,39 %) (UniCredit) - Andrea Orcel, CEO
• 🇦🇹 $BG (+0,96 %) (BAWAG Group) - Anja E. M. W. Schreiber, CEO
• 🇦🇹 $EBS (+1,74 %) (Erste Group) - Andreas Treichl, CEO

Industry sector

• 🇩🇪 $BAYN (+0,05 %) (Bayer) - Bill Anderson, CEO
• 🇨🇭 $NESNE (Nestlé) - Mark Schneider, CEO
• 🇬🇧 $ULVR (+1,3 %) (Unilever) - Hein Schumacher, CEO
• 🇨🇳 SHEIN - Donald Tang, Vice Chairman
• 🇮🇳 ADANIENT (Adani Enterprises) - Gautam Adani, Chairman

... and many more from the Tech, Banking, AI, Biotech, Pharma, Industrial, etc. sectors.