Dear Community,

In the coming year, I would like to focus on targeted investments and share this journey with you.

The goal

For me, money is opportunity. You are rich if you have the opportunity to live according to your wishes. It's not about being able to buy everything that comes to mind. On the contrary: a minimalist and frugal lifestyle makes me happy. For me, it's more about not having to think about whether you can afford an expense and whether you can buy something just for pleasure and enjoyment. I earn around €40,000 net. According to the definition above, I already consider myself rich.

I am about to start a family in the near future. My goal is to be able to give this family the same feeling of wealth in the coming years by securely accumulating assets. Perhaps one day by buying a small house with a garden.

The path

Up to now, I have only invested in overnight and fixed-term deposits, building society savings contracts and life insurance policies and, to be honest, have neither understood the "topic of finance" nor given it much thought. In light of the upcoming life changes, I have started to change that.

My journey began in November 2024. I slowly grew into the topic via the "classic beginner's traps" (see first figures below).

I learned that the goal should be steady growth. Large multi-percent gains are not necessary, the risk is too great. Exponential growth is on our side. It just needs help in the form of risk minimization for it to fully unfold its miracle.

The approach

At the end of 2024, I initially invested a lot in (individual) shares, crypto and derivatives. So far, this has been quite profitable - but there are clear signs of clumping and the risk is simply too great for me, especially in view of the uncertainties of the coming year and after gaining a better understanding of the stock market. I would therefore like to review this approach in 2025 (preferably in January), reallocate positions and then pursue an approach (see below) over the rest of the year. #gtaa - approach (see below) for the rest of the year.

I will share here how I manage to do this and what thoughts and challenges I am dealing with.

At the same time, however, I don't want to leave the potential of the fast-moving market completely untapped. I will therefore invest a maximum total of €1000 in derivative positions. Once again, my aim will not be to win big. Rather, I want to make steady profits with small bets. Individual positions may therefore not exceed €200 to minimize risk.

Lessons

I would now like to share specific experiences from my journey so far with you. These are merely my subjective assessment and of course not investment advice or anything similar. You are responsible for yourselves.

My takeaway from November and December 2024:

• I'm deleting Reddit. The app is bot-infested, the community is borderline in my opinion. #getquin is the best alternative, the community has really impressed me so far.
• I don't invest in hyped "penny stocks", especially not from Canada.
• With regard to crypto, I only invest in $BTC (+0,08 %) . I also hold a position in $HBAR (-4,08 %) because I find the project exciting. In principle, however, I am toying with the idea of liquidating both positions and instead taking up corresponding crypto ETFs as part of my GTAA approach in the "commodities" area. From $ETH (+0,06 %) I still have residual holdings, for which the same applies. More to follow.
• I continue to hold overnight money, building society savings contracts and life insurance. Security is the top priority.
• The largest savings orders will go into the newly opened portfolios. I will invest almost 95% of this sum in the #gtaa - invest in the approach. Liquidated positions will be invested via call money (#scalablecapital and #traderepublic ) will earn interest. To minimize fees, I will set up my main portfolio in #scalable and use derivatives, call money and cashback in #traderepublic use. I trade crypto via #bitvavo .
• I use the remaining 5% to #highgrowthinvesting by buying promising individual stocks. In addition, as described above, I will invest in #derivate as described above.
• So far, I have found the offers from #getquin , #aktienguide and #traderradar have turned out to be profitable. I do not receive any commission, this is just my opinion so far.

That's all for now. I will present the concrete implementation of my strategy in detail in the following weeks.

If you have read this far - thank you very much! I look forward to sharing the next steps with you. I also look forward to your reactions, thoughts and feedback!

I wish everyone a good start to the new year 2025. Stay healthy, have fun and never forget that investing is a minor matter alongside the really important things in life, or at best can serve to open up more space for the really important things.

Matthias

• 
  #gtaa - Approach from #mebfaber : ABSTRACT
• My portfolio before the reallocation (as at 03.01.2025):

Part 5: Today (end of 2024) and conclusion

You can find the first part of my investment story (incl. background and TL;DR) here: https://getqu.in/JldknL/

The second part here: https://getqu.in/Ptei6g/

The third part here: https://getqu.in/sfTZ3P/

The fourth part here: https://getqu.in/d4GUta/

Welcome to the last part of my far too long investment story. But before that: Perhaps you've noticed that I've secretly switched the numbers? Originally, I was only able to beat the MSCI World by a paltry 21,000% and I was still imagining things. Due to the bull run since the publication of the first article in this series, I have now achieved an impressive and absolutely sustainable 25,000% 🚀

Restructuring the portfolio thanks to Kellogg's

The Kellogg's experience from part 4 got me thinking. I came to the conclusion that I would never trust individual companies enough to invest a significant amount of money. I also shied away from the effort involved in analyzing companies. But I trusted the global economy. I therefore decided to sell all my individual shares and move the proceeds into my ETF.

At the end of 2021, my ETF portfolio still contained a few niche ETFs, for example on AI or environmental protection. I also sold these at the beginning of 2022 and reallocated them to my global portfolio. Fun fact: You might think that I sold the AI ETF much too early as a result. However, the performance from the beginning of 2022 to the end of 2024 was so awful that it was pulverized by a simple world ETF - despite the AI hype. Another indicator that such ETFs are generally not recommendable.

In addition to my world portfolio, I made a conscious decision to keep two sector ETFs on IT and healthcare in my portfolio. I know that sector ETFs are evil. I really expect IT and health care to outperform in the long term. So far, 50% of them have worked out 😁. Only time will tell whether I will be right. At least the two ETFs are not so heavily weighted.

I continued with crypto. Here, too, I mucked out and sold just a few weeks ago with $HBAR (-4,08 %) and $IOTA (-3,07 %) my last two Shitcoins. My crypto portfolio now only consists of $BTC (+0,08 %) and a small share $ETH (+0,06 %). The rule still applies here: I keep hodling until it becomes life-changing or goes to 0.

I also dissolved nonsensical "forms of saving" such as pension insurance, endowment insurance, bonus savings from the branch bank, ... ... I originally wanted to use the money freed up as equity for my own property. But before that, I had to take another critical look at this potential investment.

A property for own use? No thanks!

If you remember the first part, you may remember that I actually wanted to buy a property for my own use and saved up a lot of equity for it. When interest rates rose in 2022, I started doing the math. You can find the results in my series of articles entitled "Own home or rent": https://app.getquin.com/activity/FoLdCxttXY .

For my region and the properties we are considering, buying is currently not worthwhile at all. We also don't necessarily want to live the homeowner lifestyle. We don't want to tie ourselves down to such a big lump, have to bear a greater risk and then have even more work. A home must therefore be financially worthwhile for us, otherwise it doesn't make sense for us.

As the home was written off for the time being, I started to shift the equity I had saved into my ETF. The theory is that it's better to invest everything at once. Looking back, it would definitely have been a much better option to put everything into Welt AG at once in 2022 - the $VWRL (-0,1 %) was between 90 and 100 euros at the time. But you're always smarter afterwards, so instead of a one-off reallocation, I decided to increase my monthly savings plan first to EUR 5,000 and later to EUR 7,500 and gradually reduce my home equity. I started in 2022 and will probably need another 1-2 years until the equity is completely in my ETF.

As soon as the equity in my own home is at 0, the money I currently have in managed funds and P2P will also be reallocated. However, I will keep my Riester pension. It's also going well.

Today and in the future, I will only save in my ETFs. Crypto + ETF is currently enough diversification for me. But I'm not ruling out the possibility of adding a property or gold to my portfolio at some point. But then in an appropriate ratio to the rest of my portfolio.

And how does this gigantic return come about?

Through an unexpected Bitcoin rain. 10 years after the Mt Gox hack and the first total loss of my crypto assets, I was able to close the chapter in a reasonably conciliatory way. Shortly after the hack in 2014, some of the stolen Bitcoin was recovered. After a 10-year process, airmail from Japan, many ups and downs, ... the time had finally come in 2024: I got a fraction of my deposits back. Despite the gigantic price performance since 2014, it wasn't a life-changing sum. So I kept on hodling.

And that, together with my crypto investments in 2017, is what made this gigantic return, which is nothing but luck. I was early, in the right place at the right time and idealistic/stupid enough. This also becomes clear if you just run my crypto portfolio in the getquin benchmark against common indices. And that despite all the shitcoins and the associated losses:

Finanzen aktuell

I was able to significantly increase my salary again by changing jobs. Over the years, I learned to sell myself well, to assess my value correctly and to negotiate hard. I also applied for jobs without need and was able to be selective. That was helpful. I was also always hard-working and had good references. And of course, I now live in a much more expensive city than I did a few years ago and have switched to an industry that pays much better (no, I'm not at $VOW (+0,3 %) 😂). My gross annual salary is now around 150k, with all the trimmings. When I signed the contract, this gigantic sum humbled me. Especially since I started a good 15 years earlier with just 26k after my apprenticeship (see first part). But I tell it like it is: you get used to such sums very quickly.

But I still can't afford a higher savings rate. Now that I'm a dad, there are expenses for the child, financial compensation for mom, who is cutting back on her career, and soon costs for a larger apartment.

Conclusion

What advice can I give you? Get to grips with finances early on. Try something out. Treat yourself to something without throwing money out the window with both hands. Be crazy sometimes. Not everything always has to be rational. And most importantly: work on yourself, on your salary. Make yourself valuable. Perfect your craft and pay attention to what the job market is looking for. This is a much bigger lever than cashback, cheap food or a part-time job. And it increases your quality of life. I was able to increase my salary by around 12% per year on average. The $IWDA (+0 %) can pack their bags.

Oh yes, of course you shouldn't blindly trust donkeys on the Internet or other dubious figures.

Kiss on the depot

Your donkey 💋

My "What if?" portfolio

Would have, would have, bicycle chain

Do you know this? You're sitting around like this, you're unemployed, you're 6 months behind with the rent, your landlord has given notice and your girlfriend is now with @Testo-Investor because he's a real doer. And while you get up because the bailiff is taking away the last armchair you were sitting on 5 minutes ago, you think to yourself "At least I don't have to organize a move anymore. But if I had invested in $BTC (+0,08 %) then none of this would have happened".

We mourn missed opportunities. Opportunities that we didn't know about ("Bit... what?"), opportunities that we didn't believe in ("Somehow the old job is more comfortable, I don't need that bit more money and promotion opportunities") and opportunities that we screwed up ourselves ("lol, they're actually offering 100 euros for my $NVDA (+0,86 %) shares. Take my stock, you fools"). But is it really that bad?

In 2022, I wrote my post "Why it makes sense to sell bad buys at a loss" https://app.getquin.com/activity/JMQwETSOoS . Back then, there wasn't even formatting for posts on getquin. We had to use shoddy tricks, which is why the umlauts in headlines looked so funny. But I digress. Anyway, I was busy selling positions and was in the middle of finding my strategy, which was still changing or at least concretizing over the last few years. As I continuously pushed ahead with my change in strategy, I sold some positions. Not primarily because I no longer believed in the positions, but because they no longer fitted into my strategy of a leaner and less expensive portfolio.

For example, a few weeks ago I sold $HBAR (-4,08 %) with a loss of over 60%. Since then, the coin has risen by around 180%. I also sold Nvidia in January 2022 for EUR 26.315 (split-adjusted) - at least at a profit. The list goes on and on.

Do I regret the sales? Of course it hurts to see how much return has fallen by the wayside. But I stand behind my overriding goal of adjusting my strategy, so I have absolutely no regrets.

But sometimes I still ask myself: what if? And that's why I created my "What if?" portfolio on getquin. All my sales are listed there as purchases with the selling price at the time and the corresponding quantity. In other words, it tracks the price development since the sale. And with this portfolio feedback I give you an exclusive insight - including absolute values.

What do I learn from it?

• It's amazing that you've made it this far. I really tend to beat around the bush. And you almost seem to be in love with me, the way you're glued to my lips.
• In retrospect, some sales were really annoying, e.g. Nvidia
• Despite high returns recently, I'm not at all annoyed about the sales of $ADA (+0,06 %), $HBAR (-4,08 %) and $IOTA (-3,07 %). Overall, the difference is only a few hundred euros and therefore peanuts in the portfolio. Moreover, the positions would still have been very far from the entry price
• Other positions performed rather mediocre to poorly, for example . $YOU (-0,15 %), $MPW (-1,06 %) or $BAYN (+0,64 %). Here the sale definitely made sense
• Overall, I have sold relatively little of my portfolio. The sales currently only make up a fraction of my overall portfolio
• Of course, it should not be forgotten that I have reallocated the proceeds from my sales to my existing portfolio (crypto to crypto, shares and ETF to ETF) and a return was also generated here
• My "what if" portfolio achieved a TTWROR of under 20%, while my aggregated portfolio generated a TTWROR of over 30% in the same period
• It's damn difficult to time the market. I can't do it. So I don't even try

Looking back, I did everything right. But even if I hadn't, I wouldn't have any regrets. So don't fret about missed opportunities, stay true to yourself and focus on the future.

Does anyone know Hedera? You have to be lucky sometimes😜🚀

Shifting the mortal remains of the Shitcoins $IOTA (-3,07 %) (Idiota) and $HBAR (-4,08 %) (weed) into the slightly smaller Shitcoin $ETH (+0,06 %) . As always against the recommendation of the getquin community, which would have considered an investment in $BTC (+0,08 %) would have made more sense 👍

https://getqu.in/HOakoX/

Pictured here: Only half of my new $ETH (+0,06 %) in the depot

Bye Bye Shitcoin

As announced (https://getqu.in/HOakoX/) I am parting with the rotten eggs in my portfolio. Accordingly, I will soon decide what to shift into: $BTC (+0,08 %) or $ETH (+0,06 %) . @stefan_21 are you already nervous 😁?

Get rid of the rotten eggs!

I have watched the tragedy of $IOTA (-3,07 %) and $HBAR (-4,08 %) long enough now. I reactivated my Binance account yesterday and will sell the two cryptos. Even if they were to increase tenfold (which I don't believe they will), I would just about recoup my investment. Then I'd rather invest in $ETH (+0,06 %) and $BTC (+0,08 %) then.

But where exactly should I reallocate? Normally I would put everything into $BTC (+0,08 %) to shift. But I already have 6 figures in there. In $ETH (+0,06 %) only 4 digits. The effects of $ETH (+0,06 %) would therefore be greater. However, this is only a mini position anyway.

Vote!

😭 Of course in $BTC (+0,08 %)

😂 Naturally in $ETH (+0,06 %)

♥️ Just do 50:50 (and pay the withdrawal fee twice)

🚀 Oh donkey. Don't be so conservative! You're back on Binance? I've written a coin in the comments that will help you recoup your loss in no time. Trust me.

Does the misinformation have legal consequences? - No.

Will the $HBAR (-4,08 %) "project managers" have cashed in: Absolutely! 🚀

Is the crypto market overreacting to unverified news? - Yes.

https://de.beincrypto.com/keine-partnerschaft-zwischen-hedera-und-blackrock/

The cat is out of the bag - Blackrock tokenizes with Hedera Hashgraph $HBAR (-4,08 %) !

I feel, therefore, renewed purchase.