Hello everybody!

I have been thinking about putting my portfolio on a broader footing in the future and for this reason adding a certain percentage of #gold to the mix.

I currently live in #österreich and wanted to find a sensible approach in this way.

A brief search here in the forum has at least revealed that ECTs are fully taxed (in contrast to physical gold). Apart from that, I have not been able to find out much here.

How do my fellow austrian people handle their gold?

$EWG2 (-2,91%) and live with the fact that it is taxed (here is the question of whether input tax is incurred or only the capital gains tax on the sale?)

OR

physical gold and if so where is the best place to buy it/what are good/reputable dealers?

Thank you very much for your answers and have a nice day! :)

Hi, I would like to diversify my portfolio and invest a little in gold. What do you think of

$EWG2 (-2,91%) ? Where do you invest in gold?

Hi dear getquin-Gemeinde👋🏼,

from today I am sharing with you my journey in the stock market. I am 27 years young and have been investing since February 2024. Since then, I have gained my first experiences with different brokers as well as with different financial products. Over time, I knew more and more exactly what I wanted: Dividends! The currently still small but regular payouts motivate me to put more and more money into my portfolio. I saw the current setback as the perfect time to end my "test phase".

And now I'm here: I want to build up a solid dividend portfolio for the long term. My goal? A steadily growing passive income stream through dividend payouts and sustainable wealth accumulation.

🎯 My goals:

📆 Dividend payouts (total per year):

👉🏼 2025: 50€

👉🏼 2026: 250€

👉🏼 2027: 500€

👉🏼 2028: 850€

👉🏼 2029: 1.200€

👉🏼 2030: 2.000€

📈 Portfolio value:

👉🏼 2025: 4.000€

👉🏼 2026: 10.000€

👉🏼 2027: 20.000€

👉🏼 2028: 32.000€

👉🏼 2029: 45.000€

👉🏼 2030: 60.000€

💡 My strategy:

✅ Focus on high-dividend companies with a solid balance sheet

✅ Reinvestment of dividends for the compound interest effect

✅ Long-term buy-and-hold with regular purchases

✅ Broad diversification to minimize risks

In addition to individual stocks, I will invest a somewhat larger proportion of my retirement provision in the $XDWL (-2,39%) and the $XSX7 (-2,31%) and a small but steadily growing gold position with the $EWG2 (-2,91%) build up.

I look forward to exchanging ideas with you and am eager to hear your tips and experiences! Which dividend stocks are your favorites? 🚀📊

#Dividendenstrategie
#FinanzielleFreiheit
#Investieren
#Börse
#Dividenden
#PassivesEinkommen
#Aktien

Since gold broke above its previous high from 2020 at the beginning of 2024, it has been soaring.

Major banks have made massive purchases - a clear indication of growing institutional confidence, but also growing skepticism on the market.

📌Historical perspective: inflation and precious metals

Historically, gold and silver have performed particularly well in times of high inflation. While paper money loses value, precious metals traditionally offer security and value retention.

👉 The historical price ratio between gold and silver is also interesting.

Historically, this ratio has usually fluctuated between 15:1 and 80:1, currently it is in the higher range (approx. 89)which suggests that silver has the potential to catch up in the long term.

🆘Gold & silver in stagflation

In stagflation scenarios - economic stagnation combined with high inflation - precious metals have performed above average in the past.

👉 During the stagflation in the USA in the 1970s, the price of gold exploded from around 35 to around USD 850 per ounce.

Currently, many experts see a possible stagflation emerging again, triggered by high national debt, geopolitical tensions and a fragile economic situation.

This could be a catalyst for further price increases in precious metals.

📈Bull market 2025 and beyond?

Fundamentally, there are many reasons for a continuation of the bull market in gold and silver:

• 🪖 Persistent geopolitical uncertainties
• 🆘 Possible stagflation in the USA and Europe
• 📉 High government debt and expansionary monetary policy
• ☀️ Particularly for silver: strong growth in industrial demand from electronics, solar energy and electromobility

The main arguments against this are possible interest rate cuts or a surprisingly strong economic recovery, which could lure investors back into risk assets.

👇 In the following sections, we will now take a look at the charts.

If you are not familiar with chart technology, it is best to skip straight to the conclusion at the bottom

📌 Gold chart

☕Cup-and-handle formation

A cup-and-handle formation is a bullish (positive) chart pattern that often develops over several years. It resembles a cup with a handle and often signals a long-term trend reversal to the upside.

The formation consists of:

Cup: A long, u-shaped recovery that occurs after a sharp price rise and subsequent correction.

Handle: A shorter correction phase after the recovery before the price finally breaks out and ideally starts a long-term bull market.

👉 From 2011 to 2024, gold formed a clear cup-and-handle formation. (Cup: 2011 to 2020 - Handle: 2020 to 2024)

The most recent breakout from this formation in March 2024 could mark the start of a new long-term bull market.

📌 Silver chart

🧐 It is worth taking a long-term look at silver since 1960:

• Silver reached a spectacular high in 1980
• A new high was only just reached in 2011

📈 Silver is currently approaching this all-time high again.

A long-term cup-and-handle formation can also be seen here:

• Cup: 1980 to 2011
• Handle: 2011 to today (possibly completed soon)

👉 Technically, silver may be on the verge of a possible long-term breakout, which is extremely exciting.

📌 Conclusion

I currently see strong arguments for investing in gold and silver in the fundamental data and the technical charts.

Yesterday (18.03.2025) I increased my silver position in $PHAG (-6,55%) in order to benefit from a potential rally.

I have to say that my investment horizon for gold and silver is very long (20+ years), as I consider precious metals to be the cornerstone of my portfolio.

This is the current composition of my precious metal portfolio:

• GOLD:
  $EWG2 (-2,91%) , $IGLN (-3,02%) (3.75% of my portfolio)
• SILVER:
  $PHAG (-6,55%) (2.40% of my portfolio)
• Gold mining ETFs:
  $SPGP (-3,82%) , $GDXJ (-5,01%) (1.92% of my portfolio)
• Individual shares (very speculative):
  $BTO (-6,04%) , $FF (-1,79%) , $FR (-10,58%) (< 1% of my portfolio)

Do you have gold and silver in your portfolio?

If so, what is your weighting?

You might also be interested:

🆘 Crash-Warnsignale & die beste Strategie: Was sagt uns die Vergangenheit?

📈 When in Doubt, Zoom Out – Chart-Tipps für Langfrist-Investoren

#gold
#silber
#edelmetalle

Hello everyone, now I have to interfere again,

Does anyone know how the $WGLD (-2,98%) works?

I have heard that it is tax-free and they store the gold. Now my question:

How do they know how much gold I have bought?

Well, the important thing is that it is tax-free.

Do you think it is still worth $EWG2 (-2,91%) at 85 euros per gram?

Foreword:

An investment reserve can be a great thing, it smoothes out volatility and in extreme phases you have the opportunity to implement something meaningful in your portfolio, which has a very calming effect psychologically.

Unfortunately, the expected additional return from buy the dip often fails to materialize, as the opportunity costs eat everything up again.

Very nicely described here by Gerd Kommer:

https://gerd-kommer.de/buy-the-dip/

But what if we turn a few screws, don't hold our investment reserves in cash and buy leveraged?

I have thought too much about this topic and built a model for a war chest, which I am also implementing myself.

Building up the reserve:

Investment Reserve

-------------------------------------------

EURO

10.0% Money Market / 0-1y Bonds EUR $CSH2 (+0%)

10.0% Inflation linked Gov. Bonds $IBCI (+0,39%)

10.0% German Gov. Bonds 7+Y $X03G (+0,55%)

-------------------------------------30%

US Dollar

10.0% Money Market / 0-1y Bonds USD $XFFE (-1,75%)

10.0% Inflation linked Gov. Bonds $XTIP (-0,85%)

10.0% US Gov. Bonds 7-10Y $US7 (-0,91%)

-------------------------------------30%

Swiss Franc

20.0% Swiss Gov.Bonds 7-10Y $CH0440081393 (+0,47%)

-------------------------------------20%

Swiss Gold

20.0% Gold $EWG2 (-2,91%)

-------------------------------------20%

==========100%==========

The reserve must be structured in such a way that it is not torn apart in a crisis. In the best-case scenario, parts of the reserve should even rise during crises.

This is why part of it consists of government bonds; in economic crises, interest rates are generally lowered, which is why long-term bonds should rise. Currency crises are also conceivable, which is why we diversify across currencies. (EUR / USD and CHF)

As inflationary phases can certainly occur, I have decided to include inflation-indexed government bonds and gold.

The total of 4% in money market funds exists in order to have a volatility-free position.

This reserve is not a standalone, it should be seen as part of a global portfolio and can make up between 10% and 30% of the total portfolio.

It is not intended to generate returns, but merely to compensate for inflation and to remain stable in value during crises.

The strategy:

As an anchor point we use the all-time high of the $ACWI (USD) from -10% we invest step by step. We try to buy the ACWI with increasing leverage. As there is no 2x ACWI, FTSE All-World, MSCI World or similar, we have to build our own as best we can. I don't want to use certificates because they have a counterparty risk. That's why I only use ETFs and ETCs.

Mode 1 ACWI -10% - Lev. 1.25x - Correction

5.00% MSCI USA 2X Lev. $CL2 (-4,67%)

11.0% World ex USA $EXUS (-1,82%)

4.0% Emerging Markets $EIMI (-0,53%)

-------------------------------------20%

Mode 2 ACWI -20% - 1.82x Lev - Crisis

12.0% MSCI USA 2X Lev. $CL2 (-4,67%)

6.8% Euro Stoxx 50 2X Lev. $LVE (-5,23%)

1.7% FTSE 100 2X Lev. $LUK2

4.5% Japan $PRAJ (-3,63%)

-------------------------------------25%

Mode 3 ACWI -30% - 2.35x Lev - Escalation I

12.0% MSCI USA 2X Lev. $CL2 (-4,67%)

4.8% Euro Stoxx 50 2X Lev. $LVE (-5,23%)

1.2% FTSE 100 2X Lev. $LUK2

9.5% Total World 3X Lev.$3VTE

-------------------------------------27,5%

Mode 4 ACWI- 40% - 3x Lev. - Escalation II

27.5% Total World 3X Lev. $3VTE

-------------------------------------27,5%

==========100%==========

Rebalancing

After the crash is before the crash, the investment reserve must be replenished.

After the price has recovered a distance of approx. 60% from the low to the top (ACWI), I would recommend selling all Total World 3X Lev. positions and thus filling the reserve.

The rest of the reserve can then be filled with your savings rates and partial sales of the 2x positions.

Since we do not put the return from this "trade" completely back into the bond, but keep a part of the "Do-It-Yourself-Leveraged-Getto-ACWI", we build up a small leverage over time, at favorable conditions.

Problems and risks:

Especially if it goes down further than 50%, things can get ugly.

In the 2019 financial crisis, for example, we would have made -58%. As a result, the recovery would have taken 1 year longer than if we had bought a normal ACWI. However, in all other corrections (including Corona), we would have come out of the crisis better with this strategy and would have generated an annual outperformance of 1-2% p.a. after tax (varies depending on the period).

In long bull markets, without significant corrections, this strategy underperforms. In sideways markets, we should outperform a 100% equity portfolio due to the interest income.

It is not entirely clear which part of the investment reserve will be sold first and which last. Depending on the nature of the crisis, some shares may rise and others may fall.

If it is a debt crisis, for example, it may not be wise to sell your gold right at the beginning. If it is an economic crisis, long-dated bonds are king, although inflation-linked bonds will probably suffer somewhat.

If you don't want to be caught on the wrong foot here, you can always sell 50% of the best-performing asset and 50% of the worst-performing asset at the same time.

Which wouldn't be a good thing if we had two cycles in quick succession before we had the opportunity to rebalance.

Colorful pictures:

I have recreated the period from 01.01.2018 to 01.01.2025 in ExtraETF.

Unfortunately, you can't currently share the portfolio there, which is why I've used a few screenshots here.

I chose this period because I am familiar with it and it had both negative and positive interest rates. In addition, there were a total of 3 drops of more than 10% and a bond crash.

Note during the negative interest rate phase, the portfolio held no bonds (except the inflation-indexed ones) and instead held negative interest cash.

Here you can see a

100% FTSE-All World $VWCE (-2,15%) vs

80% FTSE-All World + 20% investment reserve.

Maximum Drawdown VS FTSE-All World

Although we buy leveraged products, the maximum drawdown is lower, at least as long as it does not go lower than approx. 35%.

The meme for Sunday (even if it's not Sunday):

I have created an 80% FTSE All-World + 20% Reserve portfolio starting 01.01.2025 and will continue to maintain this, so everyone can see the real performance of this module. And of course I will update you when we are down 10%.

What do you think of the pyramized investment reserve and the Do-It-Yourself-Leveraged-Getto-ACWI?

Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.

Biggest shifts in the last few weeks:

MSCI World -> FTSE All World

AI & Big Data -> Nasdaq100

Random Ass Gold ETC -> Euwax Gold 2

Altcoins/Shitcoins -> Bitcoin

Larger multiplier for TR Saveback

I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.

Here are the updated savings plans, feel free to add your comments. I like mustard

Monthly savings plans:

1.Nasdaq 100 $XNAS (-1,78%)
(Acc): 305 €

2.FTSE All World $VWCE (-2,15%)
(Acc): 100 €

3.Future of Defense ETF $ASWC (-2,35%)
(Acc): 75 €

4.Gold: 50 € $EWG2 (-2,91%)

5.Crypto:

-$BTC (-3,84%) : 100 €

Reasons for Nasdaq100 as the largest savings plan:

1: I'm 20 and still have plenty of time to take a calculated risk and generate an excess return over the All World in the long term.

2: Falls harder (especially at the moment) than the FTSE,

Savings plans currently mean cheap, relaxed buying. Conversely, of course, the reverse is also true, but my long-term confidence in the (US) tech sector is so high that I don't see any problems in the distant future.

Hello everyone,

I am 25 years old and am saving for my retirement - so my investment horizon is still very long. Because of my age, I'm prepared to take a higher risk.

My portfolio currently consists of:

$VWCE (-2,15%)

$BTC (-3,84%)

$EWG2 (-2,91%)

I am now considering whether it would make sense to $DX2D (-5,12%) be included. I am particularly interested:

What opportunities and risks do you see with $DX2D (-5,12%)

Assuming a risk-averse strategy, how would you structure the percentage allocation of my portfolio?

Other suggestions or food for thought are also welcome.

I am currently saving all €50 per month. I'm not sure about the allocation and would be grateful for any food for thought. I am definitely willing to take risks; I have experience with volatility as I have been involved with Bitcoin for some time. Unfortunately, I always sold everything back then because I didn't have a plan or strategy. I am aware of the swap risk and the dependency. I'm currently watching a lot of videos from Finanztipp and Finanzfluss.

I am grateful for any comments, food for thought and your opinion.

Thank you very much in advance and have a nice evening 🫶

I am considering whether it makes sense to hold several physically deposited gold ETCs under certain conditions. I would like to reduce the issuer risk through diversification.

I am very practical and lazy by nature, so I prefer ETCs and don't want to hold gold bars or coins. This also makes selling and rebalancing much easier. If there really is a global collapse, then gold coins will be the least of our problems.

In my opinion, a balanced portfolio should also include gold. Rather as a stabilizer and protection against inflation.

I currently hold 5% gold in my portfolio. I would like to increase this proportion to at least 10% in the future. I invest in $EWG2 (-2,91%) . Because 10% in just one gold ETC would be too much for me in the future, I am considering transferring my savings plan to $SGBS (-2,98%) transfer my savings plan to . It is also important to me that the gold is held in Europe (Germany or Switzerland for the ETCs mentioned above). If there is a total loss, then at least the money should stay in Europe :)

Do you think this step makes sense? Do you only rely on one gold ETC or do you also diversify? I look forward to your answers.

Buying gold as a bitcoiner feels like buying a DVD at the Mediamarkt today for the next movie night

I did it anyway 🤷‍♂️