Let's see when—and if—it'll happen in euros, too. But a million dollars still sounds impressive. That used to be the ransom demanded in gangster movies, and it was used to lure Bud Spencer and Terence Hill into *Four Fists Against Rio*.

Springfield – Homer Simpson has made history. In the tenth year of his spectacular stock market career, the self-proclaimed star investor has, with his “Ultimate Homer Hardcore Holding” has surpassed the magical return threshold of 250,000 euros .

Simpson commented on the historic moment with his usual modesty.

“I always knew my strategy worked. You just have to buy when prices are high and sell when you really need donuts.”

Ten Years Between Genius and Madness

Since January 2017, Simpson’s investment style has been raising eyebrows among financial experts and causing his family’s blood pressure to spike.

His strategy is considered unique: 70 percent gut feeling, 20 percent chance, and 10 percent stock market knowledge

Despite numerous spectacular misjudgments, panic sales, and purchases made purely out of sympathy, the “Ultimate Homer Hardcore Holding” has now broken through the incredible threshold of 250,000 euros.

Financial analysts are baffled.

“We tried to explain the performance mathematically,” said one analyst. “After three hours, we gave up and took a lunch break.”

Simpson himself now firmly considers himself a stock market legend.

“I used to buy stocks because I liked the logo. Today, I do it much more professionally,” he explained proudly. “I look at the stock beforehand. Sometimes even for longer than five seconds.”

Experts Warn of the “Homer Effect”

Meanwhile, financial experts are already warning of a possible so-called “Homer Effect”.

If Simpson continues to be this successful, millions of retail investors could follow his example and start making their investment decisions based on dice rolls, donut consumption, and the color of stock prices.

Wall Street is trembling. Springfield is cheering. Homer keeps investing.

Financial experts strongly advise against imitating Simpson’s investment strategy. Homer Simpson, of course, accepts no responsibility for this.

What I’d like to share with younger or new investors:

It’s really amazing how much more humble you become the larger your portfolio gets.

I’d wagerthat many secretly see themselves in the sky just because they have a portfolio and invest. Sometimes we think we’re superior because we investors .

You know exactly what I mean 😁

But that thought fades over time. Of course, there are situationswhere you realize you’re on a chessboard
of
life . Nevertheless, life can at any time and from all sides . Over the years, you come to understand this better and better and automatically become more down-to-earth.

Even compliments stop meaning as much to you at some point. You often find yourself thinking: “Actually, I can do so much more.” You’re not completely satisfied with yourself yet. Probably because we have big plans.

Especially during times when life is going particularly well, I sometimes suddenly get a queasy feeling in my stomach. Almost as if my future self were warning me about something. That’s why I’m more cautious , where and with whom I talk about stocks, investments and my future . Sometimes that fearthat envy, karma or some other higher power could strike you back with an even harsher setback.

Such thoughts don’t arise without reason. They arise from experiences , and these experiences make one more cautious.

Many of you are still at the beginning of your journey. You’ve only just realized what a huge role companies play in this world. Suddenly, you start to see your colleagues euphorically tell your new and would love to preach about it.

That’s exactly what I did as an apprentice, with great conviction. I don’t regret it, because that enthusiasm was part of my development. Still, one should never forgetthat there’s always someone lurking somewhere who might wants to do you no good and is just waiting to screw you over. That’s just the way it is. Not always, but unfortunately more oftenthan you’d think.

For a while, I was the black sheepat work because many of my coworkers knew I was investing. That’s why I’m giving you a tip: If you want to lead a peaceful life, keep your stock portfolio separate from work and certain circles of friends.

Being too open about it often just leads to envy and resentment.

Your portfolio is you and your family. It’s nobody else’s business anyone concerned. You should be able to tell exactly with whom you talk to about it and with whom it’s better not to.

We all have goals. Some even want to go beyond their original goals and expectations. And that’s a good thing.

But if you want to jeopardize a dream, all you have to do is tell it to the wrong people.

Others don’t see what you see. They can’t not imagine what you want to build and achieve. The moment you share your plans with the wrong people , their doubts, envy and negative
voices start to work against you. Most people, however, only realize this after they’ve had similar experiences themselves.

So I can only give you one piece of advice:

Keep your success to yourselves more often. Not everyone is happy to see you win, and the voices of the losers can get damn loud.

Those who’ve been at this longer know damn well what I’m talking about... @Simpson He once said he never talks about stocks with anyone in his personal circle.

This text refers to the workplace or similar situations. Exchanging ideas with other investors is important for making progress. That’s why I don’t mean that you shouldn’t share your successes with friends who also invest or on investor platforms.

Dear community, followers, and everyone else!

Due to a very sad event (a death in my immediate family), my time will be very limited over the next few weeks. As a result, I may not always be able to respond immediately to questions or comments. This has nothing to do with a lack of interest in you or with ignoring you. As my time allows, I will continue to read, respond to, and post here—though certainly to a more limited extent. I’ve also significantly reduced my portfolio over the last two days to about 30 stocks and will be putting short-term trading on hold for the time being, as I can’t spare the necessary time for it. As most of you here know, I love actively trading on the stock market and also interacting with you all. But there are things in life where—at least for me—family comes first. This is one of those times.

But by all means, keep writing, you great analysts like @Tenbagger2024 , @Raketentoni .@Aktienhauptmeister and all the many others who often present truly great companies here or ask questions.

I wish you all a wonderful weekend and hope for your understanding!

Your Multibagger Chris!

Starting in 2027, something is set to be introduced in Germany that could be of interest to any long-term investor:

The government-subsidized retirement savings account.

And no—I don’t just mean the next Riester plan.

For the first time, this new model will make it possible to invest in a return-oriented account with government subsidies, without a traditional contribution guarantee.

Put simply:

You invest for the long term.

The government matches your contributions.

And your money can grow in the capital markets.

What’s currently planned?

The new subsidy was actually improved even further during the legislative process.

For the first €360 of your own contribution , there is a subsidy of 50%.

For additional contributions up to a total of 1,800 € per year there is 25%.

This results in up to:

€540 in basic government allowance per year

is possible.

And child allowances may also be of interest to parents.

This means, if fully utilized:

€1,800 of your own money +

€540 in government support

€2,340 per year

that can go toward your retirement savings.

And now it gets interesting.

How does this differ from the old Riester plan?

The new retirement savings account is intended to be significantly more capital-market-oriented.

Among other things, it should be possible to invest in the stock market over the long term via funds and ETFs.

There’s also a subsidy-eligible account without a guarantee.

Of course, this means:

Higher potential returns = higher risk.

But that’s exactly what I find interesting.

Because if you still have decades until retirement, a broadly diversified stock portfolio can be much more attractive in the long term than a product that sacrifices a large portion of its potential returns for guarantees.

And now for my actual question for you:

Would you open a portfolio like this?

Personally, I find the idea exciting:

My regular investment account remains my regular investment account.

And in addition, I could build up a government-subsidized retirement savings component.

Not either stocks or retirement savings.

But rather:

Stocks + ETFs + government subsidies.

If the government is already co-financing part of my savings plan, why not at least explore this option?

Of course, you have to take a close look beforehand at the costs, investment terms, eligible securities, and—later on—the taxation of the payout.

Because “government-subsidized” doesn’t automatically mean “good product.”

The product has to be the right fit in the end.

But one thing is certain for me:

Anyone investing for the long term should take a very close look at this option in 2027.

And perhaps we investors should start looking into it now—before the first banks and brokers launch their products on the market.

What do you think:

Would you contribute €1,800 a year to such an account if it came with up to €540 in subsidies?

Or would you rather stick entirely with your regular investment account?

#Altersvorsorge
#Aktien
#ETF
#Investieren
#Rente
#Finanzen
#Vermögensaufbau

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