$CSPX (-0,5%)
$IWDA (-0,38%)
$EIMI (+0,54%)
$ISAC (-0,21%)
$CSNDX (-0,36%)
$WSML (-0,2%)

$IWDA (-0,38%)
$CSPX (-0,5%)
$EIMI (+0,54%)
$CSNDX (-0,36%)
$ISAC (-0,21%)
$US09258C4188
$VWRL (-0,12%)
$VWCE (-0,29%)
$VUSA (-0,5%)
$VA

U.S. COURT OF INTERNATIONAL TRADE INVALIDATES PRESIDENT TRUMP'S TARIFFS UNDER THE IEEPA - THE PRESIDENT IS NOT AUTHORIZED TO IMPOSE TARIFFS UNILATERALLY.

The President is not authorized to impose comprehensive tariffs under the IEEPA. The Trump administration has already filed an appeal

US court blocks most Trump tariffs, says president exceeded his authority

In a sweeping new ruling, the U.S. Court of International Trade has just blocked President Trump's Liberation Day tariffs, saying that authority is with Congress.

FACT CHECK: While the Constitution grants Congress the power to impose tariffs, Congress delegated much of that power to the Executive Branch in the Trade Expansion Act of 1962, which allows for adjustments to tariff rates without needing Congressional action. Courts have given the executive branch broad authority to negotiate trade, that is until now.

https://www.reuters.com/world/us/us-court-blocks-trumps-liberation-day-tariffs-2025-05-28/

https://www.theguardian.com/us-news/2025/may/28/us-court-blocks-trump-tariffs

https://www.cnbc.com/amp/2025/05/29/court-strikes-down-trump-reciprocal-tariffs.html

https://www.nytimes.com/2025/05/28/business/trump-tariffs-blocked-federal-court.html

2020 started with tr to gain first experience on the financial markets with manageable funds. 600€

many shares with very small amounts...

naaaja...

With $9626 (+1,27%) and $9866 (+5,5%) had large short-term gains in the portfolio during Corona. But just as quickly accumulated losses again due to overpriced speculative assets.

2024 strategy Switch to etf savings plan and diversification of countries and sectors as well as $BTC (-0,51%) admixture.

long-term investment idea:

Energy sector should be a safe bet, as global consumption is increasing annually, not decreasing.

then generally modern technologies

ETF

$ISAC (-0,21%) - Main position 50%

$EXXT (-0,35%) - usa technology boost distributing 30%

$EXSH (-0,19%) - Europe hedge (finance and insurance) distributing 20%

I will continue to buy or sell shares from time to time, depending on whether it is worthwhile or not.

Now you...

Any suggestions?

I am currently using the $ISAC (-0,21%) I am broadly diversified and generally well positioned, but I would like to be able to weight certain regions independently. I am thinking of the following ETF model:

• An MSCI WORLD EX USA, e.g. $EXUS (+0,01%)
• 
  The classic S&P 500 $CSPX (-0,5%)
• 
  An emerging markets ETF, e.g. $VFEM (+0,5%)

My idea would be (savings plan):

• $EXUS (+0,01%) 40%
• $CSPX (-0,5%) 45%
• $VFEM (+0,5%) 15%

What do you think of the selected ETFs? How would you weight the ETFs in a savings plan with a view to the future?

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (-0,58%) and $TSM (+1,95%) were proved wrong.

To my delight $RSG (-1,29%) , $V (-0,05%) and $DE (-1,1%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD 2025: -3.65 %

📉 TTWROR 2025: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (-1,29%) +15,81%

🥈 $V (-0,05%) +6,69%

🥉 $DE (-1,1%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (+1,95%) -19,13%

🥈 $ASML (-0,47%) -10,71%

🥉 $IS3R (-0,15%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-0,21%) x5,55

🔄 03/2025: $IS3R (-0,15%) x2,80

🔄 03/2025: $5MVL (+0,8%) x1,83

➡️ 03/2025: $TSM (+1,95%) x1,726

➡️ 03/2025: $ZTS (-1,04%) x2,093

➡️ 03/2025: $UNH (-0,58%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (-0,05%) +1,05€

💸 03/2025: $ZTS (-1,04%) +2,28€

💸 03/2025: $UNH (-0,58%) +1,97€

🔄 02/2025: $ISAC (-0,21%) x6,8

🔄 02/2025: $MEUD (+0,1%) x0,50

⬅️ 02/2025: $BRK.B (-1,33%) +51,29€

⬅️ 02/2025: $PG (-0,21%) +543,98€

💶 02/2025: Interest +€25.20

💸 02/2025: $DE (-1,1%) +4,06€

💸 02/2025: $ASML (-0,47%) +2,68€

💸 02/2025: $COST (-0,38%) +0,03€

💸 02/2025: $PG (-0,21%) +2,83€

🔄 01/2025: $ISAC (-0,21%) x5,75

🔄 01/2025: $MEUD (+0,1%) x0,53

➡️ 01/2025: $UNH (-0,58%) x1

➡️ 01/2025: $TSM (+1,95%) x2

➡️ 01/2025: $BTC (-0,51%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (-1,29%) +1,16€

💸 01/2025: $SYK (-0,19%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

Hey everyone,

Unfortunately, not every sale is a profit - I'm currently down around 30% with BMW, Mercedes, VW and Porsche Holding.

$VOW (-1,04%)
$MBG (-0,46%)
$BMW (-0,43%)
$PAH3 (-0,38%)

The dividends are nice, but what would you do? Hold or sell?

Alternatively, I would shift them into an ACWI ($ISAC) (-0,21%) to shift them.

Thank you for your assessment!

Greetings Dagobert

In an article published yesterday, Handelsblatt calculated the long-term performance of investing in a broadly diversified portfolio.

4 variants were selected.

Variant 1: Equities plus government bonds

Variant 2: Equities plus government bonds and commodities

Variant 3: Increase the proportion of emerging markets in the portfolio

Variant 4: Equities plus gold

The basis for the equity side was the MSCI All Country World Total Return Index in EUR, in this case the ETF $ISAC (-0,21%)

Period under review: 2001 to date

Variant 1: 60% equities / 40% government bonds

For the government bonds, the "iBoxx EUR Sovereigns Eurozone 1-3 Total Return Index" was selected for the calculation.

In order to depict the 60/40 portfolio mentioned above, it was assumed for the calculation that investors have invested 60 euros in the ACWI and 40 euros in euro government bonds every month since the beginning of 2001. The portfolio was rebalanced after each year to restore the ratio of 60 percent equities to 40 percent bonds.

The result: Overall, investors with a 60/40 investment would have saved just under 66,000 euros over the past 24 years with a good 29,000 euros invested. But with a 100% ACWI savings plan, they would have saved just under 92,000 euros today. The result would therefore have been 45 percent better.

Variant 2: Equities plus government bonds and commodities

For a further calculation, commodities were added to the portfolio consisting of the ACWI and euro government bonds. The "Bloomberg ex-Agriculture and Livetock Index", calculated in euros, was chosen for this. The calculation assumes a savings planner who invests EUR 60 per month in the ACWI, EUR 30 in government bonds and EUR 10 in commodities.

Here too, the portfolio was rebalanced at the turn of the year to restore the 60/30/10 ratio.

The result: The outperformance amounts to five percent. Today, savings planners using this strategy would have saved a good 66,000 euros. However, an ACWI savings plan alone would have produced a 38 percent better result.

Variant 3: Increase the proportion of emerging markets in the portfolio

In this calculation, investments were no longer made in the ACWI, but separately in shares from industrialized nations and emerging markets. The "MSCI World Total Return Index" in euros and the "MSCI Emerging Markets Total Return Index" in euros were selected for this purpose.

With a savings plan variant that invests EUR 70 per month in the MSCI World and EUR 30 in the MSCI Emerging Markets, emerging markets would therefore be more strongly represented.

The result: Until well into the 2000s, savings planners using this strategy would also have beaten the ACWI. However, this changed from the mid-2010s. This was mainly due to the strong performance of US and, in particular, tech stocks. Due to the lower weighting of emerging markets in the ACWI, American tech stocks have a higher weighting there.

Option 4: Equities plus gold

In another calculation, a savings plan on the ACWI was combined with a savings plan on gold. Every month, 90 euros would have been invested in the world share index and 10 euros in a gold ETC. The gold price in euros was chosen to replicate its price performance.

The result: Gold is in demand this year in particular due to the major geopolitical risks. The price has already risen by a good 30 percent in dollar terms. Therefore, the ten percent addition this year would have cushioned the losses from the stock market somewhat. Instead of around twelve percent for the ACWI, investors would only have lost a good nine percent.

Investing in gold would also have paid off in the long term. Anyone who has invested 90 euros in the ACWI and ten euros in gold every month since 2001 and regularly rebalanced their portfolio would now have almost 94,000 euros - that is, over two percent more than with the ACWI savings plan alone.

Conclusion:

Diversification reduces price fluctuations. If you invest in a combination of bonds and commodities, your portfolio will lose less value in times of crisis.

However, this security comes at a cost in terms of returns: in the long term, equities rise so sharply during rallies that they more than make up for losses from price falls.

The outperformance of equities is not only evident in the analyzed period from 2001 to the present, but also over the long term. In its Global Wealth Report, UBS analyzes the performance of various asset classes over more than 100 years every year. It shows that equities outperform all other assets over the long term - despite world wars, pandemics, economic crises and other disasters.

In the UBS analysis, equities also outperform gold over the long term. In the above calculation, the situation is different - although this is mainly due to developments this year. At the turn of the year, the variant of the ACWI savings plan alone was still on a par with the combination of ACWI and gold.

You can read the full article in the Handelsblatt here (€): https://hbapp.handelsblatt.com/cmsid/100119887.html

Good morning!

My wife wants to invest a partial amount (around 50k) for the long term after selling an apartment. She wants to keep it as simple as possible and doesn't want to deal with it for the next 30 years.

So I was thinking of a 1etf portfolio that is as broadly diversified as possible.

What do you think? $VWCE (-0,29%) and chill? $ISAC (-0,21%) ? $SPYY (-0,23%) ?

Should I add gold or something similar?

Thanks and lg