I'm sure you've all heard about the hantavirus, right?

Which shares would you invest in now? This is what I have in mind $NOVO B (-0,17%)
$MRNA (-0,6%)
$PFE (+0,28%) in mind. Do you have any other ideas?

Hello Getquin Community,

as I have been wanting to thin out my portfolio and make it more compact for some time now, I have been thinking about the best way to do this over the last few days.

I started today, $KO (+0,11%) sold and exchanged for $MAIN (+0,91%) exchanged. 🏦 🔄 🥤

The background to this is that I am currently very focused on basic consumer goods and am not yet very well positioned in the area of finance (apart from Visa).

My savings plans for individual shares $SHEL (+0,27%) , $WM (+0,27%) , $8001 (-2,16%) , $MCD (+0,34%) , $LIN (+0,14%) and $ALV (+0,78%) have been stopped and the positions will be liquidated as soon as they are positive.

Individual stocks that are still being invested in on a monthly basis are $NOVO B (-0,17%) , $PG (+0,14%) , $PEP (+0,02%) , $V (-0,09%) and $DTE (+0,25%) due to the currently attractive valuations.

The sum of the removed savings plans is added to the $IWDA (+0,17%) and $FLXI (+0,87%) will benefit. I am also adding the $LDGL (+0,08%) ETF into my custody account as a "cash cow". 💸

What do you think of my restructuring?

The dip dribbled out perfectly! With bonus and tax refund, it's now cash flow season. 📈⚽

April showed that consistency is not a fair-weather project. While I was standing in thick fog in Saxon Switzerland and couldn't see the valley from the top of the rocks because of the fog, the depots reflected the turnaround in performance for the better. As soon as the sun broke through, the gray gave way to a lush green.

After a turbulent March, I seized the opportunity when my employer paid out my half-year bonus. I hit the low point very well and dribbled out. Broadcom did exactly what it usually does with my shares: be the engine of growth. The road to freedom is a hike through all kinds of weather. Sometimes the wind whips up, sometimes you enjoy the sunset at Leipziger Völki.

The key is to stubbornly continue investing. Intel is the best example. Anyone who wrote off the share too early missed the turnaround. Unfortunately, I was never invested in Intel. In any case, I don't know the future in five years' time, but I am securing my cash flow today. Time for a look back.

DISCLAIMER/RISK WARNING

Please remember that this article is for entertainment purposes only. At no point is it a buy or sell recommendation or professional legal, tax or investment advice. Don't just copy anything I do. I am merely describing what is happening in my portfolios, but in no way guarantee that it is up-to-date, correct or complete.

Investing in the capital market is always associated with risks such as loss of invested capital, price fluctuations, liquidation risks or market risks. In accordance with the current guidelines of ESMA and BaFin, I expressly point out that this review serves exclusively to document my personal investment strategy and does not constitute investment advice within the meaning of the WpIG. The securities presented by me are expressly not to be understood as investment advicebut are merely components of my personal portfolio at the time of reporting. Please also bear in mind that there is a conflict of interest, as I naturally hold the securities myself.

If necessary, seek professional advice and do your own research.

Overall performance

Intel shows it again. Just keep a broad base and stay tuned. Then your portfolios will turn out to be a rock in the surf.

My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): + 5.29 % (previous month: -4.60 %)
• TTWROR (since inception): +88,98 %
• IZF (month under review): +87.17 % (previous month: -42.46 %)
• IZF (since inception): +11,49 %
• Delta: + € 4,935.78
• Absolute change: € +6,139.12

Data shown as "since inception" is valid since 31.05.2020

Performance & volume

After the fog lifted in April, the true strength of my allocation became apparent. My top of the class $AVGO (-0,18%) not only leads the green portfolio, but is actually marching ahead. In my top 5 $WMT (-0,17%) and $GOOGL (+0,12%) The $BAC, a stable financial anchor, moved back into the top group. Also $FAST (+0,28%) underpins my strategy of solid industrial stocks with consistency.

The highlight is the run at $TGT (+0%) My staying power is paying off massively, the minus has shrunk to just 8%. This is clear proof that discipline pays off in phases of weakness. Target seems to be regaining confidence through improved inventory management.

There are downsides to the current "problem children" $NKE (-0,08%) , $GIS (-0,09%) and $$CPB (+0,47%) which are feeling the headwind. But as long as the dividends flow reliably, I remain relaxed. I invest for the stable cash flow that finances my freedom.

Largest individual share positions by volume in the overall portfolio:

Share (%) of total portfolio (and associated securities account):

$AVGO (-0,18%) 3.26 % (main share portfolio)

$WMT (-0,17%) 1.87 % (main share portfolio)

$GOOGL (+0,12%) 1.67 % (main share portfolio)

$FAST (+0,28%) 1.37 % (main share portfolio)

$BAC (+0,49%) 1.35 % (main share portfolio)

$FDX (+0,25%) 1.29 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio (and associated securities account):

$GIS (-0,09%) : 0.40 % (main share portfolio)

$NOVO B (-0,17%) 0.41 % (main share portfolio)

$NKE (-0,08%) 0.44 % (main share portfolio)

$CPB (+0,47%) 0.44 % (main share portfolio)

$DHR (+0,11%) 0.55 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$AVGO (-0,18%) : +380 % (main share portfolio)

$GOOGL (+0,12%) +149 % (main share portfolio)

$WMT (-0,17%) +118 % (main share portfolio)

$NFLX (-0,12%) +93 % (main share portfolio)

$OHI (-0,95%) : +82 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$NKE (-0,08%) : -50 % (main share portfolio)

$GIS (-0,09%) -47 % (main share portfolio)

$CPB (+0,47%) : -43 % (main share portfolio)

$NOVO B (-0,17%) -32 % (main share portfolio)

$DHR (+0,11%) -27 % (main share portfolio)

Sector allocation of my individual stocks

My top 6 sectors are:

Consumer goods: 16.47% (previous month: 17.62%)

Miscellaneous: 16.40 % (previous month: 16.60 %)

Technology: 14.18 % [excluding information technology] (previous month: 12.07 %)

Financial sector: 11.55% (previous month: 11.39%)

Transportation: 9.57% (previous month: 9.13%)

Trade: 7.59% (previous month: 7.50%)

Asset allocation

Equities and ETFs currently determine my asset allocation, with ETFs growing steadily in recent months, which may be due to additional purchases.

ETFs: 42.8 % (previous month: 42.3 %)

Equities: 57.2 % (previous month: 57.7 %)

Investments and additional purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: € 1,070

Savings ratio of savings plans to fixed net salary: 50.20

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,190

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Repurchases/one-off savings plans as cashback annuities from refunds: € 85.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 774.97

Subsequent purchases from other surpluses: € 75.00

Automatically reinvested dividends by the broker: € 3.99 (Function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Number of unscheduled additional purchases: 7

Passive income from dividends and ETF distributions

Passive income in the month under review

I received € 192.02 in distributions in the month under review (€ 152.82 in the same month of the previous year). This corresponds to a change of +25.65 % compared to the same month last year. The growth can be explained to a small extent by the new positions in the crypto successor portfolio, the majority comes from continuous investing through savings plans, reinvestment of dividends and other surplus funds.

Number of dividend payments and ETF distributions: 33

Number of payment days: 13 days

Average dividend per payment: € 5.82

average dividend per payday: € 14.77

Passive income YTD

YTD I have received dividends in the amount of € 450.34. If you put this in relation to my annual dividend target of € 2,100, the target achievement of the distribution is 21.44% (target 25.00%). This puts me just below the target, but this will be reversed in the coming months with high dividend payments.

The three calculation methods result in the following distribution yields:

YTD distribution yields: 0.70%

Distribution yields since inception: 4.87 %

Distribution yields YoY: 2.25 %

The slightly falling distribution yield since inception and YoY shows the underpinning price increase. At 0.7% YTD, it shows that my asset accumulation is still comparatively a young project.

The distribution yield fell by 0.87% YoY, while the relative fluctuation was 21.88%. This shows that the distributions are constant, but still fluctuate quite strongly.

My top payers

The top 6 payers in the month under review were:

$VWRL (-0,02%)

$VHYL (-0,08%)

$ISPA (+0,17%)

$HSBA (+0,12%)

$VUSA (+0,16%)

$GSK (+0,35%)

FIRE Number & Runway

Even though I don't want to sell shares later, I also calculate my FIRE number for comparability with investors who run an exclusively accumulating strategy.

My FIRE figure based on my 12-month spending (TTM) of €12,156.86 was €303,921.50 (previous month: €305,512.00).

This is the minimum volume my portfolio would need to reach in order to theoretically cover the expenses via a 4% withdrawal. And this figure has fallen slightly.

Of course, this figure fluctuates every month. But it's not the only metric to determine how long my assets could support me in an emergency (without taking taxes into account).

The rolling spending range (runway) expresses how long I could live off my assets.

On an annual basis, this is currently 7.92 years (previous month 7.41 years) or the equivalent of around 94.98 months (previous month: 88.86 months). Compared to the previous month, it is 0.51 years increased.

So I am effectively about half a year more "free", due to the recovery from the current global political events.

Compared to the same month last year, this is an increase of 2.80 years is available. I am still 17.08 years away from my runway target (25 years), which corresponds to the FIRE multiplier. 17.08 years away. So there is still a long way to go to financial freedom, assuming that everything continues as before.

The runway stability of 97.46% indicates that my system is in a solid position despite the market turbulence. Although the price fluctuations have advanced my theoretical range by a minimal 0.51 years, the high stability ratio proves that the core of my strategy remains unaffected.

Performance comparison: portfolio vs. benchmarks

To see where I really stand, I regularly compare my portfolio with the major market ETFs. This allows me to see immediately how well my performance (TTWROR) has done in the current month and since the start compared to the overall market.

My portfolio: -4.60 % (since I started: +88.49 %)

$VWRL (-0,02%) -5.55 % (since my start: 62.19 %)

$VUSA (+0,16%) -4.05 % (since my start: 53.23 %)

$IMEU (+0,14%) -6.87 % (since I started: 74.05 %)

Data shown as "since I started" is considered to be since 31.05.2020

Key risk figures

Here are my key risk figures for the month under review:

Maximum drawdown:

Since inception: 17.17 %

Month under review: 0.67

Maximum drawdown duration:

since inception: 702 days

Reporting month: 7+ days

Volatility:

since inception: 28.66

Month under review: 2.64 %

Sharpe Ratio:

since inception: 0.41

in the month under review: 41.68

Semi-volatility:

since inception: 21.26

Month under review: 1.59

The maximum drawdown in April of just 0.67 % clearly shows that the dust has settled. While March was still characterized by a correction, the impact in April was minimal. The Sharpe ratio of an impressive 41.68 in the month under review underlines the excellent risk-adjusted performance in this recovery phase.

With a monthly volatility of 2.64% and a semi-volatility of 1.59%, the fluctuations remain far below the historical average of over 28%. This confirms once again that my system is stable. While the long-term key figures are barely moving, I am using the calm to further consolidate my foundations. The focus remains on cash flow, while the risks remain absolutely controlled.

Outlook

After the implementation month of April, I look back with deep satisfaction. The employer bonus and the tax refund have been a real turbo boost for the market. I am extremely grateful for the opportunity to be able to fully invest such sums in order to massively broaden my passive income base.

Privately, April was the calm after the storm. A balanced month, characterized by stability and little hustle and bustle. Like hiking in Saxon Switzerland, the fog has lifted and allowed me to focus on the essentials. This calm is also reflected in my sport. My workouts and running sessions are now so ingrained, it's as if they've been automated. Without much motivational debate, I stubbornly and steadily follow my program, allowing my strength and endurance to grow almost automatically. And the words "stubborn" and "steady" are an important basic rule for us investors that we have internalized for investing. So you can see that these words dominate many areas of life.

I conclude this review with a feeling of serenity. When the foundation is right and the habits are in place, the noise on the markets loses its terror. Those who know their course will not be swayed by the wind.

Thank you for reading. Here's to May continuing to be a constant merry month! ☀️

👉 My related Instagram Carousel posts for the review will be published as follows:

08.05.2026: Portfolio review (Key performance indicators, share performance, allocation, sectors, additional purchases and performance comparisons)

09.05.2026: Budget review (Income, expenditure, cash flow, ratios, budget compliance and citizen's income check)

10.05.2026: Cash flow review (general, YTD and actual vs. target comparison of passive income, my top spenders, FIRE figure and capital reach)

📲 There you can find @frugalfreisein on Instagram and YouTube with regular videos, shorts, reels and carousel posts.

Please pay close attention to the spelling of my alias. Unfortunately, there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How do you personally feel the stock market year has started? (No investment advice!)

What a wild year so far, one record after another, so it's time for an update and a rough overview of the portfolio.

First of all, some rough facts:

- just under a year ago I was able to report a portfolio balance of 600k euros, now it's already just under 700k ... that's crazy

- I currently have total gains of over 300k (current performance, dividends, sales)

- my total historical gross dividend will crack the 100k mark this year

The portfolio balance is of course only a snapshot and I am therefore particularly pleased about the dividend development. At the end of this year it will be well over 20k. So far, so good ... what do the details say?

Changes in the portfolio:

Ok, what has happened in the portfolio since the beginning of the year?

I have sorted out some low performers, including $MMM (-0,08%)
$COK (+1,01%)
$LAND (+0%)

My $INTC (-3,52%) I also sold my position completely in 3 steps, after the last purchases around 20$ this is currently too much euphoria and above all a crazy valuation. $ROP (+0,65%) I have reduced my position a little, which is only possible after a holding period of 4 years, simply to spread it a little more widely. I will also do that from time to time.

The money freed up by the sales has not yet been completely reinvested, but the majority of it has. With $EIX (+0,5%) and $BKW (+0,03%) I have built up a separate energy share and that $DTE (+0,25%) is now also in the portfolio - I'm in. My $XDJP (-1,16%) ETF is doing splendidly and my $XD5E (+0,18%)
$VFEM (-0,98%) and $VAPX (+1%) ETFs are doing well and will be expanded further. Otherwise, a lot has flowed into existing candidates (e.g. $ABBV (+0,6%) or $PG) (+0,14%)many US stocks have been increased and $BRK.B (+0,1%) bought a little more. The CHF portfolio was increased by $ZURN (-0,1%) , $SLHN (-0,34%) , $VZN (-1,5%) and the $PGHN (+0,27%) and $BCHN (+0,18%) I have increased my purchases.

Oh and yes, the chip shop $NOVO B (-0,17%) still seems to be alive :-)

My savings plans are continuing as usual, regardless of the current mood. The aim remains to build up a decent passive income with dividends in the long term.

I would say it's going well 🤓

In a nutshell: Why I am increasing my positions in these stocks this month.

SoFi Technologies (SOFI $SOFI (+0,25%) ) 🏦

Finally profitable! Despite strong quarterly figures, the share is still cheaply valued. A fintech giant in the making that is just getting started. The number of members has risen considerably. My forecast €45 in 1-2 years.

Novo Nordisk (NVO $NOVO B (-0,17%) ) 💉

Still the market leader in weight loss drugs (GLP-1). Demand massively exceeds supply - a defensive growth guarantor with a huge pipeline. Bottom has been formed and the quarterly figures are bombastic.

My forecast € 180 in 3 years

Datadog (DDOG $DDOG (+0,17%) ) 🐕

Nothing works in the cloud and AI world without monitoring. Datadog is the gold standard and is benefiting directly from the current AI infrastructure boom.

My forecast: we will soon see a new ATH (€200), after which anything is possible €300/400/500.

FlatexDegiro (FTK $FTK (+0,5%) ) 📊

European market leader with impressive margins. The share is massively undervalued compared to its US competitors and delivers massive cash flow.

In addition, 50% of the population in America invest in shares, in Europe only 20%, so there is still a lot of potential in the long term. My forecast: €100 in 3 years.

Hello everyone.

Today I'm not going to analyze my $ALV (+0,78%) or $BATS (+1,94%) . By the way, I'm currently looking for a really cool dividend stock, but the final analysis is not yet complete, a few exciting companies are still on the longlist (e.g. $ABT (-0,01%) , $NOVO B (-0,17%) , $SAN (+0,06%) ) - no matter. That's not what we're talking about today, but P2P loans. Do you know this class? I've been using this class for almost 6 years and just wanted to report on it and then go into more detail about my "third oldest" platform - Income Marketplace. If you want to see nice graphics and my portfolio charts, you should go to my free blog post, if the text is enough, stay here ;) - Otherwise here: https://steady.page/de/finanzen-anders/posts/7f29f472-572d-49aa-98da-bd0978640036

Why I invest a lot of money without deposit protection - and still sleep soundly

"Imagine someone offering you a permanent 12% return per year."

"The first question is not where can I sign upbut:

Who actually bears the risk here?"

I myself have been investing since 2022 part of my assets in P2P loans (€ 88,064 as at the end of April 2026)specifically via Income Marketplace - Income is my third oldest platform. I've been invested in Bondora for almost 6 years.

This is not a self-experiment out of boredom, but a deliberate addition - and yes, so far with returns well over 10 % p.a.

This means that the investment beats both my call money and most of my broadly diversified ETFs in difficult market phases.

But:

If double-digit returns beckon anywhere on a sustained basis, then the same applies in accounting as in real life:

"If it looks too good to be true, someone is obviously taking risk."

So the question is not whether risk exists - but who bears it, how it is structured and whether you are fairly rewarded for it.

P2P is not a savings product.

Rather, it is the asset class for people who know that returns do not fall from the sky, but from assumed risk.

If you are interested in the P2P asset class in video form, please watch my video:

I have also written about the P2P asset class in great detail on my financial blog (in 7 parts). Here is the link to part 1:

Why I like to invest in P2P loans? Take a look at this graphic - in my financial blog :)

The purple curve is my main stock portfolio at ScalableThe purple curve is my main stock portfolio at , strong highs and when Donald Trump declares tariffs, my portfolio plummets. Not for the faint-hearted.

The yellow curve is my investment in P2P loans as a whole, a really nice yield ladder. And Income? In light green, significantly higher returns than the yellow curve. In other words, I have a relatively predictable passive income here!

What is the business model - quite soberly?

With P2P loans, we give investors money to lendersmostly fintechs in Europe or emerging markets.

These lenders grant (among other things) consumer loans with high interest rates - and we get part of it.

👉 We are replacing the bank to a certain extent.

With the small difference that we:

• no deposit protection
• no state protection
• and no guarantee have.
• We take over but also parts of the credit risk,
• but in return get we also higher interest rates.

That is uncomfortable - but honest.

Income Marketplace is thereby not a lenderbut a marketplacethat connects investors with fintech lenders (loan originators) brings them together.

👉 Anyone who invests here is not in loans in Germanybut in loan portfolios from Europe, Central and South America, Asia. And I personally find that very exciting.

Income

So why Income of all things?

Income Income differs from many P2P platforms in a way that you can only appreciate if you have experienced early P2P crises:

A buyback guarantee is only as good as the lender who can pay it in an emergency.

That is why Income on a multi-level security concept:

• Lenders retain 20-35 % of the loans themselves,
• but subordinated - we are serviced first.
• If a lender defaults entirely, the portfolio can Income take over the portfolio
• and continue to process it via debt collection.

This is not a magic trick.

But it is structurally cleaner than the classic "Trust me, I'll buy it back later".

Now the honest part

Income is:

• not regulated
• not profitable
• and the security mechanisms have never been tested in a real major crisis

And yet I invest.

Why?

Because I:

• understand the risk understand
• it limit it
• and don't confuse it with "safe money"

In other words:

This money doesn't have to be there in three years - but it is very welcome to work.

The most important distinction

The officially reported defaults are less than 2 %.

Depending on the country, the real borrower defaults are 20-25 %.

This is not a contradiction -

but shows that there is constant regrouping, buying back and reinvesting.

👉 The return is not generated because nobody defaults -

but because the system expects defaults.

The mistake many beginners make

Many people hear:

"Buy-back guarantee, auto-invest, 12% - sounds relaxed."

And that's exactly that is the dangerous moment.

P2P only works well if you:

• diversified
• critically scrutinize lenders
• and come to terms internally with defaults

If you are looking for absolute security lost nothing here.

But if you are looking for returns and consciously manage riskwill find an interesting niche here.

Conclusion

My conclusion in one sentence

P2P loans are not a substitute for overnight money -

but a deliberately risky addition to returns for people who know why they are getting 12 or 13 %.

And when we think about it, it's not with the question

"Is that safe?"

but with the much more important one:

"What risk am I consciously taking - and am I getting a fair price for it?"

If you would like to open an account with Income, please use my affiliate link: https://link.finanzenanders.de/income

Not enough?

If you Income Marketplace or P2P investments interest you, then let's get down to business.

Income Marketplace In figures (so we're not just talking about feelings)

• Foundation: 2020
• Registered office: Tallinn, Estonia
• Regulation: ❌ None
• Investor assets under management: ~EUR 26-27 million
• Financed loan volume: >EUR 220 million
• Average yield: approx. 11-14 % p. a. (13,78 % lt. Income)
• Deposit protection: ❌ None
• My current investment: € 3,579
• My current return: 12.95 %

In short: Not a savings account. Not even close, but a very high return.

At times I've invested over €10,000 on Income I withdrew a lot from all my P2P loans when we bought our house. That was the plan. And now the great thing is that with Income the transfer to my reference account is free of charge and super fast!

I like the UI / structure of Income:

Everything at a glance.

I also really like the cash flow forecast.

Why Income not simply "Mintos with a different logo" is

Income is trying to solve a problem that P2P investors have known well since corona:

The buyback guarantee is only worth as much as the lender who promises it.

Therefore Income on two additional security mechanisms:

Security concept 1: Junior Share

("Skin in the Game - but the right way, please")

With almost all loans, the lender holds a subordinated subordinated equity share - usually 20-35 %.

This means that

• Investors are are given priority
• the lender receives money only when we are fully repaid
• if the portfolio turns out worse → the lender loses first

👉 This is structurally better than classic "skin in the game", but:

• It protects not from poor collection rates
• It does not protect not from systemic crises
• It has never been proven in a major stress test

Security concept 2: Cash flow buffer

(Or: "Plan B in case the lender disappears")

If a lender defaults:

• Income takes over the loan portfolios via SPVs
• Repayments continue
• Collections are made via local partners
• Losses are to be cushioned by surpluses & junior shares

Sounds good - and is conceptually clean.

But to be fair, it has to be said:

The real thing hasn't really been played out yet.

The well-known problem case ClickCash (Brazil) was simply too small to seriously test the system.

Failure rates: Apparently low - potentially brutally different

This is where it gets exciting:

• Official platform statistics (March 2026):
• → only 1,7 % of the portfolio in debt collection
• Lender-specific:
• → partial 20-25 % defaults with high-risk originators
• (e.g. Indonesia, Brazil with ClickCash)

This is not a contradiction:

• Short-dated + buyback + regrouping conceal short-term defaults
• In the long term, everything depends on Lender quality & collection efficiency

👉 Diversification is not a "nice to have" here, but essential for survival.

Auto-Invest: Passive income - or passive looking away?

Income lives from Auto-Invest.

Once configured, the capital (usually) continues to work diligently.

Advantages:

• Compound interest
• hardly any cash drag
• Very granularly controllable

But:

• You must not not blindly filter for yield
• if you take all lenders & countries, you also buy problems

💡 My personal lesson:

Better fewer lenders - but understood risks.

This is how my auto-invest is set up

However, I also have the option of investing manually, such as in this short-term business loan:

Sorted by shortest term

I have chosen the top loan and will invest €25.41.

Done.

The inconvenient truth: Income is not (yet) profitable

Income earned:

• approx. 2-4 % p. a. fees on loan portfolios
• no fees from investors

Problem:

• Losses in the annual reports
• No audited financial statements
• Dependent on investor and financing rounds

Plain language:

You also invest to a certain extent in the hope that Income survives as a platform.

For whom is Income suitable - and for whom not?

Suitable for: ✅ Yield-oriented investors

✅ People with previous P2P experience

✅ Investors who can mentally & financially cope with total losses

✅ Addition of up to ~5-10% of total assets

Not suitable for: ❌ Security lovers

❌ "This is my nest egg" faction

❌ Investors without time to monitor risk

❌ People who believe that 12% is "virtually safe"

Conclusion: Exciting, lucrative - but not a free ride

Income Marketplace is not a miracle investmentbut:

• structurally more sophisticated than many P2P platforms
• transparent
• high-yielding
• so far without losses for investors

👉 Whether it stays that way is decided not the marketingbut:

• a real lender crash
• a recession in emerging markets
• or your own discipline when investing

In other words:

Income is not a savings account.

But perhaps that's precisely why it's interesting. Definitely for me :)

Disclaimer

Of course, investing in shares, ETFs, crypto, ... is always associated with risks. My thoughts are therefore not to be understood as concrete recommendations for action (neither buy nor sell recommendations), but are intended to stimulate your way of thinking. So that you can also develop your own opportunities. Past performance is no guarantee of future returns. Capital is at risk. Furthermore, the data and figures are not accurate. For links with * I receive a commission if you order through them. There are no additional costs for you. Thank you for your support!

Even I can make mistakes, so please always double-check.

This article reflects my opinion and my experience, although it is financially supported by Income is financially supported.

Dir gefallen meine Analysen/Artikel? Werde hier Mitglied in der Lounge und erhalte regelmäßige Einblicke zu spannenden Aktien. So unterstützt du mich und meine Arbeit. Herzlichen Dank!

Mon, 04.05. - 16:00: ISM Purchasing Managers' Index Services 🌶️

Tue, 05.05. - 15:45: S&P Global PMI Services

Tue, 05.05. - 16:00: JOLTs Job Vacancies 🌶️

Wed, 06.05. - 16:30: EIA Crude Oil Inventories

Thu, 07.05. - 14:30: Initial Jobless Claims

Thu, 07.05. - 21:00: US Consumer Credit

Fri, 08.05. - 16:00: Michigan Consumer Confidence

$AMD (-1,26%)
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$DIS (+0,1%)
$NOVO B (-0,17%)
$IREN (-0,63%)
$ARM (-2,69%)
$CVS (+0,01%)
$KHC (-0,12%)