I started investing slowly in 2021 and am now 33 years old. After initial mistakes that everyone probably makes, I'm now probably on the right track, which lets me sleep extremely relaxed. Savings rate 750 euros and if it fits there are still individual purchases. No hype stocks, just relaxed, steady wealth accumulation with additional dividends. This year it should be just under 2000 euros net and that's just the beginning. In addition to my ETFs and a few individual shares, I have $BTC (-0,76 %) and $$DE000LS9U6W1 (-1,73 %) which are also fed with individual purchases. Next year I'm planning to buy a car, so I have money in my call money account to buy the car without a loan. Life can be so simple. I wish all investors continued rising prices 🚀

A year later, a lot has changed in the portfolio - not just a year older 🫣 😉

My strategy is now a core satellite strategy. Whereby the core ($VWCE (-1,4 %) , $TDIV (-0,1 %) and $EIMI (-2,98 %) is). The satellites are a mix of $BTC (-0,76 %) , $EWG2 (-1,63 %) , $SSLN (-7,77 %) and momentum models such as $DE000LS9U6W1 (-1,73 %) and $DE000LS9VVV3 (-4,17 %) . I have currently stopped my savings plans, as I have added to them over the last few months when prices were a little lower. And I am currently 85% invested with my assets. However, I would like to invest another €5k in the momentum models, which are already on the broker and limit orders have been set (so that I reach roughly 10% with the momentum models). In addition, my plan with $BRK.B (-0,04 %) has not worked out at the moment, as I still have a loss pot of just under 700€. So I'm still holding on, and as soon as that is reached, the amount will be invested in the other positions.

✌️

The tax refund arrived today. After I received some nice tips from Epi 3 days ago, it went straight into the @Epifolio ($DE000LS9U6W1 (-1,73 %) ). For the time being only 2 shares = ~2% of the total portfolio. The next shares will follow next year with the next refund! :)

That concludes what I started in October. BTC is empty. Since that was more or less play money for me. Will now be invested in the @Epi lepsis $DE000LS9U6W1 (-1,73 %) .

$EWG2 (-1,63 %) will follow in August and go into my main portfolio.

This means that I will soon be well undiversified again in terms of asset classes.

I asked myself when the extra 10k or so landed in my account this month. "Take a vacation first" was my answer. In no time at all, half of it was gone.

At the stop & go on the way to my vacation, I had the epiphany about what to do with the rest. I observed the cars, the behavior of the drivers and my own.

There were those who stayed in one lane for a long time and then changed lanes after everyone had overtaken on the left or right. They made the slowest progress, as things ran more smoothly in their old lane shortly after the lane change. Just like on the stock exchange. Back and forth empties your pockets. Or: You don't trust the performance of a share, but when everyone is invested, the FOMO kicks in, but by then it's already too late.

Then there were those who remained steadfastly on one track. I was one of them. You make constant progress. Sometimes it goes a little faster, sometimes a little slower, but you can make good progress with little effort. The world's ETF investors among drivers, so to speak.

But there were also the aggressive lane changers. Whenever there were the first signs that the momentum was shifting to the other lane, they exploited even the smallest gap to change lanes. That didn't always work. But most of the time it did. On average, these drivers made the fastest progress. But at what cost? Of course they annoyed all the other drivers. But it was also super stressful for the drivers themselves. Always looking "Where is it faster now?", "Where is the next gap?", "Oh, I can squeeze in there, the other one is already braking.". That would be nothing for me. That's why I no longer invest in individual stocks. But it would be great if you could take advantage of the right momentum and benefit from an excess return. But without all the effort.

Wait a minute. Exploit momentum? Momentum strategy? Isn't there something about @Epi ? Without any effort on my part? That's exactly where the other half of my bonus payment should go. So that I can get through the traffic jam as quickly as possible. Without stress.

This time a somewhat premature monthly report - yes, the Epi also has a life outside of vacation:

Asset-Performances 04/26 (30.3.-29.4.)

2xWTI: +19.9%

3xGLD: -0.5%

5xUSDEUR: -5,9%

3xGTAA Depot (29.4.)

30.03.26: 143.730€

29.04.26: 146,940€

Wikifolio certificate (29.4., mid-price)

30.03.26: 224,87€

29.04.26: 228,50€

Month: +1.6%

YTD: +40.0%

Review 04/26

After the wild previous months, 3xGTAA has returned to some calm. "Calm" - for 3xGTAA this means halving the monthly vola to 10%. Gold and the USD were pipe dreamers. But thanks to the WTI rally yesterday, the month actually ended in positive territory. In other words, exactly as the strategy envisages in theory.

Outlook 05/26

The stock markets staged an impressive comeback in April and are now trading above their signal lines again. WTI continues to show high momentum. The crisis assets gold and USD have lost significant momentum. Gold is currently trading right at the signal line. I will let the SMA5 on April 1 decide whether gold remains in the portfolio. However, I expect a bounce off the SMA150 to the upside. If necessary, it will be replaced by Eurostoxx50, which is currently waiting in 4th place above the signal line.

The allocation for 5/26 is:

2xWTI

3xQQQ

3xGLD (possibly 3xEU50)

The portfolio thus switches slightly back to risk-on mode in May.

Report from the 3xGTAA workshop

There is nothing significant to report this month.

For those who follow the 3xGTAA wikifolio, I can share an interesting observation. At the end of March, the wikifolio was in 14th place in the ranking of all wikifolios in the top 10, but a few days later it slipped to 150th place! It has been on vacation there ever since. Nothing has changed much in terms of performance and the difference in performance compared to the top 10 is also negligible. I can only guess why this is the case: The Wikifolio probably climbed so high before because of the purchases from the community. They have now (fortunately) calmed down a little. In any case, this teaches us not to put too much stock in such platform-internal rankings (a nod to the Getquin monthly rewinds).

You should never measure yourself by relative standards anyway, be it benchmarks, rankings or followers. Anyone who does that has already lost.

And now may the momentum continue to be with you!

Your Epi

https://www.wikifolio.com/de/de/w/wf03x0gtaa

$DE000LS9U6W1 (-1,73 %)

The decision has been made. 3x GTAA will be added to the portfolio as a small counterweight and will also serve as a separate benchmark for individual stock momentum.

And departure 🎢

Hey getquin,

In addition to my (All) World / EM ETF (which is not what today is about), I still have a little hodl to death $BTC (-0,76 %) in my portfolio. As satellites I have two sector ETFs $WITS (-1,22 %) (IT) and $WHCS (-0,53 %) (Health Care) as satellites.

The IT ETF is doing quite well. The Health Care is a failure across the board.

The idea behind the two ETFs was originally a portfolio booster without effort in a weighting where it is not a problem if nothing boosts 😅.

There is currently around 115k in both together. They are each saved with 1,000 euros per month (no, I'm not a millionaire, but I'm redeploying equity that was planned for a house purchase).

In the meantime @Epi s $DE000LS9U6W1 (-1,73 %) has also found its way into my portfolio. Significantly more volatile. Significantly more risk. But also significantly more boost than the two sector ETFs. And easy to buy and hold.

For a few days now, I've been thinking about selling the two sector ETFs, putting 50k into the wikifolio of @Epi to get a real booster in my portfolio, and to put the remaining 65k into my world / EM ETF to take out a little risk. I would gradually build up the 50k by the end of the year.

These are my thoughts. What are yours?

👍 Make

🆘 What is this weird product from @Epi be?

♥️ Sell the sector ETF and shift everything into the world / EM ETF

🚀 Sell the sector ETF and shift everything into Bitcoin

😭 Sell the sector ETF and send the money to me (justification in the comments)

🤣 Nah, better leave everything as it is

Thanks and a kiss

Your donkey 👄

If oil falls, the certificate is directly @Epi directly.