Hello dear community,

I am considering restructuring my portfolio and investing in various ETFs.

• 50 % $VWCE (-1,16%)
• 
  10 % $SEMI (-4,78%)
• 
  10 % $INRA (-2,4%)
• 
  10 % $CEBT (-0,78%)
• 
  10 % $ESIF (-0,93%)
• 
  10 % $IGLN (+0,95%)

To start with, I would like to invest €5,000 accordingly and increase it monthly according to the same distribution.

My thoughts on this:

• unagitated basis in the world ETF
• More risk and potentially more profit in sector ETFs. Sectors that I personally think will become relevant in the coming years and decades.
• Somewhat more speculative sectors such as semiconductors, green energy or precious metals. But supported by more solid sectors such as finance and gold.

What are your opinions on this? I would be delighted to receive feedback! :)

AI-driven flash crash

An AI flash crash occurs when modern trading algorithms trigger massive waves of selling in a matter of seconds.

These systems are usually programmed to react to price changes or data signals, such as stop loss limits or short-term price drops.

If a share reaches a critical price, programmed algorithms automatically trigger sales.

These orders drive the price down further, causing other algorithms with similar mechanisms to also sell ("sell side momentum").

This so-called cascade effect can cause the price to plummet within minutes.

(Example: Cascade effect of critical infrastructure during heavy rainfall)

(https://link.springer.com)

The trading speed of AI models today is so high that the smallest triggers (e.g. false signals) can result in a storm of trades in a flash.

Experts warn that many AI models are based on similar data, which can lead to "swarm thinking":

If several systems misinterpret the same signals at the same time, a small price slide can very quickly turn into a huge sell-off.

(Example: The flash crash of 6 May 2010 began with a large sell-off program being triggered for S&P 500 futures).

(https://www.advisorperspectives.com)

Although the markets recovered by the close of trading, this example shows how domino effects can be caused by automated orders.

AI can also have its own say:

Modern systems read news and social media in real time and react independently.

Bots can also incorporate completely new information (tweets or news) and generate buy or sell signals from this.

Incorrectly generated or misinterpreted messages can therefore immediately lead to sales.

1.

Possible triggers

Data error or manipulation:

Incorrect market data (prices, volumes) or cyber attacks on data can trigger false signals.

Algorithms that react blindly to data could falsely trigger sales or purchases.

The term:

"Simulation Deception"

(https://www.tencentcloud.com/techpedia/118834)

describes artificial patterns in the market that are created by manipulated data.

For example, an attacker could use fake buy/sell orders (spoofing) to artificially simulate liquidity, whereupon AI systems panic and trade in the opposite direction.

Fake news and deepfakes:

Artificial intelligence now allows deceptively real false reports (deepfake video, fake tweets, etc.).

(Example: on July 16, 2025, Congress member Anna Paulina Luna from Florida wrote on X (Twitter) that she had heard from President Trump that Fed chief Powell would be fired immediately).

(https://www.advisorperspectives.com)

(https://www.advisorperspectives.com)

AI searched all social media posts specifically for tradable news. It found what it was looking for and a violent reaction in the bond and stock markets followed, as shown above.

In previous cases, the impact might have been weaker, as the president could have reacted more quickly and dismissed the statements before many market participants were even aware of the rumor.

Even little-known posts can lead to strong market movements within minutes thanks to AI attention.

World Economic Forum analyses explicitly warn:

Machine-generated fake news can act like a flash crash trigger.

More and more bots are able to spread such false information in order to deceive trading algorithms.

AI misinterpretation:

Even if the data is correct, AI models can misinterpret it.

Trading algorithms that process complex data (news, technical indicators) run the risk of interpreting irrelevant noise as a signal.

Lawfare cites as an example that AI-supported systems already "misread" the market in 2010 and 2016. "misread" the market and launched unfounded waves of selling.

"A few algorithms in use simply misread
the market. The unwarranted sell-off initiated by those mistaken models then caused other programs to respond in kind. The $1 trillion lost in that half hour period was eventually made up thanks to human intervention. "

In the future, such misinterpretations will be even more critical as AI models analyze huge amounts of data from social media and news.

Panic signals/cascades:

In a battered market, automated risk offs (stop sales after a fixed loss limit) can trigger a race.

If, for example, a key figure ($VIXindex level) reaches a critical value, many systems switch to safety at the same time - which can cause a variety of similar assets to fall as an artificial panic impulse.

2.

Affected asset classes

An AI Flash Crash affects various asset classes:

Equities:

This is often the first impetus of a crash.

Globally listed stocks (indices such as S&P 500, DAX, Nikkei) see massive price losses in a matter of seconds.

A shutdown of a large position, for example, can cause other algorithms to panic sell.

Historically, the stock market has experienced such sell-off waves several times.

2010 Dow $DJIA

(https://en.wikipedia.org)

2014 US bonds

(https://www.ft.com)

An AI-supported flash crash would accelerate this mechanism even further. A sharp slump is usually followed by a partial recovery within a few days or weeks.

Bonds:

Bond markets can also "flash".

In the famous Treasury Flash Crash of 2014, the yield on the US 10-year Treasury Yield plummeted by 1.6% in twelve minutes, followed by a recovery - triggered by algorithmic sell orders at record levels.

(https://www.researchgate.net)

(Theoretically, AI can act against this:

In a stock panic, investors often flee into bonds (price rises, yield falls).

But AI-controlled bond funds could simultaneously and automatically reach certain thresholds and trigger the sale of bonds or bond futures.

This could lead to sharp interest rate swings in the short term, even if the fundamentals do not justify this).

Commodities:

When uncertainty is high, commodity prices often tip.

Typically, oil ($IOIL00 (-0,69%) ), gas ($NGS ) and industrial metal prices ($COPA (-2,33%) , $ALUM (-0,88%) , $ZINC (-1,8%) ) in a crash phase due to expected weaker demand.

AI programs on the commodities market (e.g. in oil or gold futures trading) could intensify this crash or even trigger a "mini flash crash" in individual commodities.

(Example: the slump in silver futures in July 2017:

Price plunge of over 11% during Asia close when thin trading was blamed on algorithm shifts).

(https://finance.yahoo.com)

AI in commodity markets can therefore both trigger selling spikes and initiate a rapid countermovement through post-buy programs.

Cryptocurrencies:

These are considered particularly volatile.

AI trading bots are everywhere, so cryptocurrencies are in free fall when many bots recognize "fear" signals at the same time.

(Example: In May 2021 $BTC (-0,01%)

plummeted by around 30% within hours, partly because many algorithms sold en masse after signals about China's Bitcoin ban).

(https://www.brokerdeal.de)

$ETH (-0,07%) experienced a flash crash on one platform in 2017 because a huge sell order triggered many automated trades.

(https://www.ubergizmo.com)

Crypto markets run 24/7, are unregulated and therefore more susceptible to algorithmic chain reactions.

3.

Risk matrix by region

The probability of occurrence and the extent of damage caused by a crash differ from region to region:

USA:

• Very high trading volume and dominant use of AI algorithms in New York and Chicago.
• Large index futures can act as initiators.
• Probability of a crash is considered moderate to high as there is a lot of automated trading here.
• Damage would be extremely highas the US markets are of global systemic importance.
• Trading halts mitigate the impact on the trading day, but the crash effect on global investor sentiment would be enormous.

Europe:

• Heavy reliance on passive funds and ETFs (e.g. from $BLK (-0,06%) iShares).
• Algorithms are widespread, but somewhat less so than in the USA.
• Probability rather mediumdamage high.
• ETF crashes show that sudden panic can also lead to chain reactions in equities.
• European banking crisis could arise if credit markets are burdened by US shocks.

Asia:

• Regulation and trading times differ.
• Flash crashes can have a rapid impact on Asia (Nikkei, SSE), especially if they start at night when trading is thin.
• 
  Medium probability and medium damage - because Asian markets close faster and usually react later.
• Crashes in Asia could affect yen or euro performance, for example.

Crypto:

• Market open around the clock, little regulation, high leverage.
• The probability of a major crash in crypto is very highas price falls are more frequent and driven by AI bots.
• Damage is often limited to crypto investors, but can also affect traditional markets via linked financial assets (Bitcoin ETFs, leveraged crypto products).

The matrix overview could therefore show

• Short term (minutes to days):

A sudden flash crash would last seconds to minutes.

Prices plummet, many stop loss orders are triggered.

Stock exchanges switch on automatic trading pauses to stop algorithm spirals.

Investors lose billions in a very short space of time, many markets are temporarily illiquid.

Confidence collapses, many investors panic and are uninformed.

• Medium-term (weeks to months):

Markets should stabilize again in the following days to weeks as counter-cyclical AI and manual orders intervene.

In the medium term, economic data could be affected if a crash impacts financing conditions.

Media and public will question confidence in digital markets for months.

Investors report consequences such as increased demand for safe assets (gold, government bonds).

• Long term (years):

Regulation and market mechanisms would adapt.

We could expect a regulatory boost:

• Stricter rules for AI in trading
• Transparency obligations for algorithm models
• Supervision of financial AI by regulators (SEC, BaFin, ESMA etc.).

Already in the past, the 2010 flash crash led to new trading interruptions and considerations regarding trading system requirements.

An AI crash would likely have a disciplining effect:

Providers need to develop more robust AI models, and contingency plans (kill switches) could become mandatory.

In the long term, confidence could be slow to recover:

Institutional investors would only have limited confidence in AI systems, and many private investors might temporarily hold back or prefer alternative strategies.

4.

Specific players and technologies

BlackRock Aladdin:

BlackRock's Aladdin AI system currently manages more than 30,000 portfolios and permanently rebalances enormous amounts of capital.

If Aladdin is routinely programmed to sell too much for ETFs or funds, this can trigger billions of orders.

Nvidia & AI chips:

$NVDA (-3,26%) Supplies the hardware for many AI models and is itself a market star.

High expectations for AI have fueled Nvidia's share price for years.

Algorithms are strongly fixated on such shares.

If, for example, Nvidia's share price falls abruptly, many strategies trigger sell programs.

Such a domino effect

$NVDA (-3,26%) -> $SEMI (-4,78%) -> $CSNDX (-2,38%)

could fuel a crash.

In practice, it has been shown that Nvidia reacts very volatile to macroeconomic and geopolitical news, so the next AI turbulence could drag down the entire tech sector.

AI bots on Binance (Crypto):

On crypto exchanges like Binance, many users trade with automated bots.

A large part of the crypto trading volume comes from AI-supported systems.

These bots can generate simultaneous sell or buy waves.

AI-driven ETF rebalancing:

Large index ETFs and passive funds (BlackRock iShares, Vanguard etc.) use automated systems to implement index changes.

If indices rise or fall quickly, many ETFs start rebalancing at the same time.

If the AI signal is negative, all AI-based funds could sell at the same time.

This creates massive sell orders in a short space of time.

Because the volumes involved are in the billions, rebalancing alone can drive a crash further.

Other players:

News agencies, index operators (eg. $MSCI (+1,92%) ), hedge funds with AI strategies and social trading platforms also contribute.

Any sudden outage (e.g. power failure at NYSE) or hacker attack on stock exchange systems could further irritate the AI systems on the stock market.

"When algorithms collide and markets tremble in fractions of a second, the new power of AI is revealed: speed without mercy, precision without emotion. One spark is enough - and the domino effect races through indices, derivatives and crypto-spheres. The AI-driven flash crash is no longer a distant shadow, but the echo of a future in which machines set the pace of the financial world."

Feel free to write your feedback on this post in the comments and tell me if you're interested in something like this.

My plan this morning was actually just to write a short post about this topic, but it turned out to be a bit longer. It's so easy to sit and write all day.

@Kundenservice Please increase the maximum number of pictures for a post, unfortunately I didn't get all the pictures in that I had picked out.

Sources:

• https://www.ig.com/en/trading-strategies/flash-crashes-explained-190503#:~:text=speeds%20based%20on%20pre,as%20the%20prices%20go%20down
• https://www.advisorperspectives.com/articles/2025/07/28/ai-transforming-markets#:~:text=I%20started%20this%20article%20by,a%20flash%20crash%20or%20surge
• https://www.lawfaremedia.org/article/selling-spirals--avoiding-an-ai-flash-crash#:~:text=an%20otherwise%20normal%20trading%20day,up%20thanks%20to%20human%20intervention
• https://www.ig.com/en/trading-strategies/flash-crashes-explained-190503#:~:text=2010%20flash%20crash%3A%20Dow%20Jones
• https://www.advisorperspectives.com/articles/2025/07/28/ai-transforming-markets#:~:text=For%20example%2C%20on%20July%2016%2C,last%20week%20was%20lightning%20fast
• https://www.binance.com/en/square/post/22230680857314
• https://www.tencentcloud.com/techpedia/118834
• https://www.weforum.org/stories/2023/04/technology-vulnerabilities-financial-system/#:~:text=However%2C%20IoT%20botnets%2C%20which%20tamper,grid%20and%20influence%20market%20prices
• https://www.lawfaremedia.org/article/selling-spirals--avoiding-an-ai-flash-crash#:~:text=But%20this%20was%20not%20a,speed%20selling%20spirals.”
• https://corporatefinanceinstitute.com/resources/career-map/sell-side/capital-markets/flash-crashes/#:~:text=Using%20algorithms%20to%20trade%20has,plunge%20in%20the%20market%20occurs
• https://www.ig.com/en/trading-strategies/flash-crashes-explained-190503#:~:text=The%20flash%20crash%20of%20the,impact%20these%20events%20can%20have
• https://www.tastyfx.com/news/flash-crashes-explained-190503/#:~:text=The%20DJIA%20suffered%20yet%20another,NYSE
• https://www.occ.gov/news-issuances/speeches/2024/pub-speech-2024-61.pdf#:~:text=flash%20crashes%2C%20which%20have%20been,4
• https://www.zerodaylaw.com/blog/ai-compliance-safeguarding-financial-markets#:~:text=The%20reliance%20on%20AI%20for,reaching%20consequences
• https://www.nasdaq.com
• https://medium.com
• https://corporatefinanceinstitute.com
• https://www.tastyfx.com
• https://www.binance.com/en
• https://www.lawfaremedia.org
• https://www.weforum.org
• https://www.ig.com/de
• https://www.tencentcloud.com
• https://www.occ.gov
• https://www.ssrn.com/index.cfm/en
• https://www.advisorperspectives.com
• https://www.zerodaylaw.com
• https://www.curiousmonky.com

$XDWD (-1,19%)
$IWDA (-1,04%)
$SEMI (-4,78%)

My portfolio is currently in free fall. When do I get out to reduce my loss? I'm only up 8%. My goal has always been to invest in ETFs for the long term.

Moin

Do you still see $SEMI (-4,78%) potential to rise much further or is the hype over?

Technology growth ETFs

Hello dear community!

I have been looking into some growth ETFs and am a bit undecided. The focus here is already on strong growth and also a little more in the technology/software sector, as I don't have enough in this area in my portfolio.

I'm also convinced that technology will always be omnipresent and indispensable....I'm only in my early 30s, so I want to go for strong and "sustainable" growth first.

I have looked at the following ETFs and compared them, e.g. via extraETF, with my favorite "-->" in terms of TER, performance and portfolio:

Information Technology:

--> $IUIT (-2,74%)

$WITS (-2,58%)

NASDAQ100:

--> $EQQQ (-2,36%)

$CSNDX (-2,38%)

SEMICONDUCTOR:

--> $IE00BMC38736

$SEMI (-4,78%)

DEFENCE:

--> $ASWC (-0,86%)

S&P500:

$IUSA (-1,23%)

$CSPX (-1,21%)

$VUSA (-1,22%)

$VUAG (-1,25%)

ALL-WORLD:

$VWRL (-0,98%)

$FWRG (-1,05%)

Can you tell me if I am currently looking too much at the performance of the last 5-10 years instead of sustainable growth in the 4 ETFs, i.e. my selection:

$IUIT (-2,74%)

$EQQQ (-2,36%)

$IE00BMC38736

$ASWC (-0,86%)

Looking forward to your feedback!

Hey guys,

Question: Which broker do you use for shares and ETFs?

Savings plan and occasional individual purchases. Profit taking from time to time.

I've been with Comdirect for years and yesterday I paid €15.30 for the sale of $SEMI (-4,78%) yesterday.

Thanks in advance...

Thorsten

$SEMI (-4,78%) 🚀 I can only say !

Hello

I wanted to present a more detailed text about my portfolio and my motives behind each of my stocks (wall of text incoming). My depot consists of 2 parts and 3 depots:

scalable capital depot ( my main depot) 47 k €trade republic: created at some point to farm the free share together with my sister 2,5 k€ $IWDA (-1,04%) + 0,25 $MBG (+0,33%) sharesemployee share portfolio 2k $EOAN (+1,4%)
before that, a short note about me :

25 years old, trained as an electronics technician, now a study support program (electrical engineering, who guessed it :D ) from my employer due to special achievements.

besides running 2 small companies (1x IT/hardware-things together with 2 friends runs okay not enough to live but for the time invested quite okay, as another hobby/business candle making-> doesn't really run well but I enjoy it) worked as a journeyman for 3/4 year between training and studies.

investment horizon >20 years but soon partial withdrawal to pay back the final amount of the housing loan (approx. 17k as apartment bought together with sister during training) [money for the apartment was earned by me or my sister herself except for 20k apartment 50/50 my sister and I she pays back more and she gets the rest back proportionally at the end of the loan after the end of my studies loan amount was 100k for 2 people].

now to the relevant part (descending by size in the aggregated getquindepot)

unfortunately no table possible therefore formatted as follows)

NAME of the share, share in the total portfolio, why did I choose it, savings plan available

$IWDA (-1,04%) 9.35 %, will be steadily expanded later as an ageing investment + constant growth, savings plan 80€

$ASML (-3,69%) 7.12%, probably the strongest moat there can be + the future of semiconductors is very secure, not saved for

$EOAN (+1,4%) 6.99% ->employee shares for 2 years with € 360 per year as a gift (209 employee shares)+ bought a little something myself, not saved except as part of the employee shares

$AVGO (-14,32%) 6.01 %, steady growth in almost every product with radio installed, not saved

$OHI (+0,64%) 5.55%, old people's home reit grow old and die we will always have a constant payout, not saved

$BAS (+0,71%) 4.52% chemicals is important but difficult in germany i may soon switch to $LYB (-1,69%) as the dutch take better care of their industry :D, not saved

$IUIT (-2,74%) 4.07%, no way around US IT companies,20€ savings plan

$FNTN (+0,32%) 3.74%,8% dividend distribution from reserves for the time being, no KAP, not saved

$XEON (+0,01%) 3.25%, money market etf as a substitute for call money-> no desire for call money account hopping, not saved

$EIMI (-1,06%) 3.09%, in combination with the $IWDA (-1,04%) to cover the whole world, 45€ savings plan

$SEMI (-4,78%) 2.84%, I am a strong believer in semiconductors, so I like to have a general overweight in addition to asml and broadcom, 20€ savings plan

$BLK 2.72%, leading investment manager of large etf providers, in my opinion good annual growth, 45€ savings plan as in my opinion currently relatively "cheap with a kgv of 19-20

$MBG (+0,33%) 2.44%, there is nothing that can keep up with the best or nothing in terms of quality even before the$DTG (-0,23%) therefore also got 9 truck shares as a "gift" in addition to a very nice div return, not saved

$LHA (+4,2%) 2.06% on recovery after a long dry spell will probably be sold soon because too volatile and difficult business segment, no savings plan

$ALV (-0,79%) 1.85% due to its size, almost no one in the world can avoid a german consistency in the portfolio, in particular it benefits greatly from the riester pension contracts etc., no savings plan

$CPXJ (-0,38%) 1.65% to compensate for the large amount of europe and the USA in my portfolio, €22 savings plan

$PEP (+0,29%) 1.60% big food group nice growth great diversification not just drinks like $KO (+1,67%) no savings plan

$MEUD (-0,59%) 1.57% general europe does not hurt to reduce the usa share in the etfs, 25€ savings plan

$BAYN (-0,27%) 1.48 %, pharma giant and fertilizer as well as seeds nobody on this planet can live without bayer in the long term, no savings plan

$MUV2 (+0,12%) 1.4% large reinsurance company nice even growth but maybe a bit too expensive maybe it will be sold soon and bought again later as it is currently up >50%, no savings plan

$TMV (-0,35%) 1.36% bought for speculation but will soon be taken out as no moat and too small and the product is completely easy to replace-> don't ask me what made me buy it but it is currently even up :D, no savings plan

$AMAT (-4,67%) 1.34% what would semiconductors be without waver?,no savings plan

$HOT (-0,51%) 1.3 %large construction company builds a lot for the public sector and they like to be ripped off sitting it out has paid off after -30% in the meantime, no savings plan

$FORTUM (-1,54%) 1.29% former $UN01 mother and since the uniper used to belong to my employer, you know most of them to the finnish state->can't go bankrupt but unfortunately very high withholding tax and only partially refundable-> out soon, no savings plan

$VNA (+0,23%) 1.28% actually already more getquin once again has synchronization problems) with the housing shortage in germany a defacto nobrainer comes in my eyes to 110% with falling interest rates to old nievau back, about 50 € per month or even bissl more depending on what remains (but only if shares are quoted below 20 €)

$AIR (+0,1%) 1.26% , boing shoots itself down only one relevant civil aircraft manufacturer remains, no savings plan

$PMT (-0,93%) , 1.25% actually solid ride am currently not sure whether selling or topping up makes sense -> bad advice from me what do you advise? no savings plan

$MSFT (-0,32%) 1.16 % still from the early days but stock solid mMn also better than $AAPL (-0,42%) because it is much more broadly positioned and lives not only from the brand but also from the products Azure office + hardware + OS will probably stay forever, no savings plan

$PBB (-1,9%) 1.14% actually good business model currently suffers from few construction loans + high dividend yield without capital tax-> top up, irregular savings plan see $VNA (+0,23%)

$DTE (-0,8%) 1.13% the only viable provider in germany in terms of wireless network + most of us mobile , no savings plan

$DBK (-3,37%) <1% wanted to have a bank in the depot could not decide therefore partly$DBK (-3,37%) and partly $CBK (-2,34%) bought commerzbank is good deutche bank rather less->deutsche bank flies out, no savings plan on either of them

$ULVR (-0,71%) <1% lebnesmittelgroßklonzern remains forever very diversified, no savings plan

$MO (-0,39%) <1% the dead live longer performance is ok may stay for now, no savings plan

$MTX (+0,73%) <1% every fleiger needs at least 2 of them and there are only a few relevant manufacturers, no savings plan

$SIE (-0,88%) <1%, 100gram Siemens 100€ immortal industrial giant remains in the depot forever, no savings plan

$TGT (+2,16%) <1%, convinced that target will come back in some areas in the USA, indispensable, sparplam 45€

$SHEL (-1%) <1% has understood that oil is finite has now a very large e-charging network and a lot of renewable dirt (but brings insane subsidies and profits due to the current political mania for renewables and sustainability protection, no savings plan)

$IBM (-0,58%) <1% no one in banking can get past an IBM mainframe+ very well back in quantum computing technology (possibly a rise to old glories soon), no savings plan

$DPW (+0,05%) <1%, logistik weltmarkführer in einem stark steigendem markt ->I should actually increase TM, no savings plan yet

$G (-1,64%) <1%, eigentlich gute versicherung lohnt sich nicht aber aufgrund der italienischen steuer -> will be out soon, no savings plan

$LIN (+2,76%) <1% gas giant similar to bayer and basf constant growth in its area you could add to it again if it falls a bit, no savings plan at the moment

$VOW3 (+0,93%) <1%, one of the few old utocorporations that i believe will turn around, too bad about mr. diess, no savings plan

$DTG (-0,23%) <1%, spinoff from $MBG (+0,33%) but is doing well may therefore stay, no savings plan

$UN01 <1%, will hopefully come back after the war will be held for the time being, no savings plan

$SAP (-0,93%) <1% absolutely crappy software that unfortunately almost every company (has to) use anyway, especially because of competition $CRM (-0,16%) many times worse, more unstable and far less powerful, no savings plan

$MMM (+1,48%) <1% actually a company I love very much investment but only after all the legal proceedings have been completed, no more savings plan

$FLXI (-0,65%) <1% democratic country with more than 1000000000 inhabitants on the upswing, hopefully soon to be the new china (only in economic terms), savings plan €12

$CCL (-0,72%) <1%, vacations very popular, especially with the rich, only debt ratio is causing him a lot of trouble undecided whether to sell, no savings plan

$UNP (-0,3%) <1%cross-border rail traffic in the USA at some point they will also (rediscover) the importance of the railroad, irregular savings plan

$AR4 <1% actually convinced but the management is a disaster actually out but I don't want to pay a minimum quantity surcharge :D, definitely no savings plan

$QCOM (-2,01%) <1%, there are no other performant processors for cell phones (if someone comes with mediatek please just be quiet they are snot) still builds a lot for the us military, savings plan since 2 months about 50€

$ORI (+1,85%) <1% top versicherung jedoch innerhalb eines sparplanzyklus zu stark gestiegen(10%) damit derzeit zu teur sparplan ausgesetzt

wer es bis hier geschafft hatglückwunsch und danke fürs lesen

ich bin für sämltliche anregungen offen

zu dem punkt weshalb ich die von mir angesprochen en aktien die ich gerne verkaufen würde noch nicht verkauft hab.: bin mir noch nicht sicher was es genau anstelle dessen werden soll und solange gilt immer time in the market >timing the market.

so i would be happy to receive suggestions on what to buy from the positions that will soon be sold.

LG Drööd O Fant