I had been planning to expand my EM and especially Latin America exposure for several weeks and see the best opportunities in fintechs. $NU (+0,84%) As you'd expect, the EM was at the top of my list, but there was more than one point here that has put me off investing so far.

But thanks to the community, Shiya introduced DLocal yesterday. I very quickly realized that this was the perfect addition to my Mercadolibre position and that I wanted to have it.

Thank you for your stock presentation @Shiya 😇

Here is the original presentation:

⭐️ https://getqu.in/Xi1SFW/

And here are a few more fundamental graphs and short-term charts:

We see massive growth at DLO ☝️ and already have a very profitable company 👇

As if that wasn't enough, the company is sitting on a mountain of cash and is debt-free. 👇

The number of shares is fairly constant and is only increasing very slowly. ☝️ I assume this relates to employee or management remuneration. Also worth noting that shares were bought back in 2023 and 24 for around $200m in total.

Risks and side effects 🤪

As "always", the geographical and currency risk.

Specifically, I have only noticed that margins are declining somewhat. 👇

The chart ⚖️

(Sorry for the presentation in euros. I normally use the home currency, but the drawings disappear when I convert and I'm lazy. Nevertheless, this is the home exchange and is sufficient for a short-term view)

The chart shows an intact upward trend within a rising trend channel, with a very bullish trend. 👩🏻‍🚀

A strong upward movement was followed by a healthy consolidation back to the EMA 200, where the price found support.

The coming days are likely to be exciting: The price has failed several times at resistance at around € 12.20. The EMA 100 currently runs in the € 11.60-11.70 range.

I hope that the price will bounce off this and rise parabolically.

But a particularly important level is around € 11 (1️⃣). Several factors come together here: EMA 200, 38 Fibonacci, several trend lines, etc. . This area could be approached and should hold in my opinion.

In a worst-case scenario, a setback to the 2️⃣ zone would also be conceivable, but I consider the probability of this to be lower.

I plan to buy the first tranche immediately and would add to 1️⃣ and 2️⃣ accordingly.

$DLO

https://www.tradingview.com/x/ND8cuZU8/

Stock recommendations for the year 2026 from $JEF (+0,48%)

$AVGO (+2,12%)
$SNOW (+0,5%)
$NU (+0,84%)
$CAT (+1,18%)
$VNET (+4,17%)
$TCEHY (-0,73%)
$300750
$7013 (+8,25%)
$GMG (-0,57%)
$LR (+0,04%)

Hello everyone,

I wanted to share a project I started over the holidays. I have decided to invest capital of 20.000 € for the year 2026 into the MSCI World, but to set up a dynamic strategy with the help of Google AI Gemini - as my personal "investment advisor", so to speak.

The initial situation & task for the AI:

I set Gemini the task of developing a system that maximizes return opportunities while limiting losses in an extremely disciplined manner. The whole process was divided into two phases:

Phase 1: The Santa Claus Rally (until 05.01.26)

In order to start the year with momentum, a transitional portfolio (10k starting capital) is currently running, which is fully focused on the historic year-end rally. I had set Gemini this task in order to ideally capture some returns over the holidays. Gemini has developed this portfolio (the AI made several suggestions, which I then implemented with 10K Invest on 23.12.):

• 50% S&P 500 2x Leveraged (DBX0B5)
• 30% Russell 2000 (A1XEJT)
• 20% Nasdaq 100 (A0F5UF)

Phase 2: The "Vision 26" main portfolio (from 05.01.26)

Here Gemini now recommends a long-term 40-40-20 structure (Basis / Growth / Crypto). The special feature is the control via a score system developed by the AI (0-10 - 10 is "Strong buy"). I can also share this if you are interested - Gemini has developed this score indicator according to my specifications and uses it to scan the possible investments. The following applies:

• The 7.0 rule: Only invest in assets with a score of 7.0+X.
• 
  Cash parking lot: All capital whose asset does not currently have a score of 7 (e.g. $NVDA (+2,03%) or $SOL (+0,13%) current) is not simply held as cash, but in the DBX0AN (money market ETF) parked. A clever move by the AI in my opinion (yields approx. 2.25% safe "interest")
• 
  Why? Arbitrage. We take the approx. 2.25% p.a. in the money market instead of leaving only 2% in the clearing account (TradeRepublic) while we wait for the right entry score of the Vision 26 securities account. By the way: Gemini developed this name for the securities account without being asked and also a logo for it (simply funny...)

Current top picks of the AI - I should get into these soon (as score > 7):

Constellation Energy (CEG): AI Energy Play (Nuclear).

Nu Holdings : Fintech disruptor in LATAM.

Microsoft: As a defensive AI anchor.

What other tasks does Gemini perform for me?

The AI acts like an asset manager: I receive daily updates at the market open and close, as well as Sunday briefings in the style of a professional stock market letter. Gemini analyzes the score point values, checks technical support zones and then makes recommendations for action or consistently reallocates when the data says so - no emotions.

What is your opinion?

I am really surprised at what the AI has developed. Of course, it is an offensive portfolio that relies on momentum. But I also told Gemini that I want maximum expected return with high risk. Gemini now estimates this at 18-25% p.a.

What do you think of the approach and the proposed Vision 26 portfolio? I will now implement and test it - I will be happy to keep you up to date.

I'm looking forward to your input!

$MSFT (+0,54%)
$NU (+0,84%)
$AMZN (+0,79%)
$BTC (+2,11%)
$ETH (+0,72%)

• $NU (+0,84%)
  Banklizenz: An application for a so-called "National Bank Charter" has been submitted to the US supervisory authority OCC (Office of the Comptroller of the Currency).

$NU (+0,84%)
Nubank expands credit offering and reaches 4 million customers in Colombia

Nu Holdings Ltd. is experiencing strong growth in Colombia and has reached 4 million customers. The company is selectively expanding its local loan portfolio and introducing innovative products such as Moradita, NuControl and Morada Abre Caminos to improve access to financial services and promote financial inclusion. In addition, two new credit lines, Préstamo Ligero and Préstamo Personal Nu, were introduced in 2025.

Nu's digital account platform is already one of the five largest deposit bases in the country.

Source: reuters.com

After a stable October (+6.2%), there was a clear countermovement in November.

My portfolio fell to 39.328€ and was thus -3,9% compared to the previous month.

The main drivers were the strong sell-offs in AI software, uranium, mining and defense - precisely those areas that are overweighted in my allocation.

Despite the setback, the year as a whole remains strong:

👉 Year-to-date I am still at +20.4% - solidly in the green.

1st performance & comparison 🚀

November was clearly characterized by risk-off mode. While broader indices remained stable, highly volatile future themes corrected much more strongly.

My portfolio:
-3,9%

NASDAQ 100:
-2,56%

S&P 500:
-0,49%

DAX:
-0,55%

FTSE All-World:
-0,48%

The underperformance is fully explainable:

Uranium, AI software, bitcoin mining and defense were under pressure - all segments that my portfolio partly tracks. But we remain calm and use attractive setbacks to buy.

Positive:

The long-term trend structure remains intact, YTD +20,4% clearly show: The overall path is right.

2. my savings plans & allocation 💶

The focus remains unchanged on strategic liquidity and consistent allocation.

Important in November:

👉 I bought Bitcoin for the first time.

This expands my structure specifically in the direction of digital assets - a building block that has shown relative strength despite market volatility. We entered at €74665 and are trying to use the 30% drop since the ATH to build up a small anti-cyclical position.

My savings plans are continuing as usual and remain the tactical tool for exploiting market opportunities in a disciplined and unemotional manner.

3rd top mover in November 🟢

The month was led by Nubank ($NU (+0,84%)), which was up +8,06 % benefited from strong user numbers and continued high demand for credit in Latin America. Berkshire Hathaway ($BRK.B (+0,12%)) gained +7,40 % driven by solid insurance profits and defensive positioning in the current market environment.

American Lithium (+4.44 %) showed a technical recovery, while the Bitcoin purchase ($BTC (+2,11%)) in my portfolio with +3,39 % had a direct positive effect. Also small caps (MSCI World Small Cap ($WSML (+0,45%)) +1.31 %) also performed stably. Tomra Systems ($TOM (-4,09%)) rounded off the list of winners with a slight gain of +0,28 % driven by an incipient recovery in demand in the recycling segment.

4th flop mover in November 🔴

The month was much weaker for my highly volatile AI and energy segments.

IREN ($IREN (+5,66%)) fell by -21,27 % the strongest - burdened by pressure in the mining sector and falling BTC margins. Also Cloudflare ($NET (+0,58%)) also fell -21,19 % triggered by risk-off in the entire software/infrastructure tech sector.

The VanEck Uranium ETF ($NUKL (+2,05%)) slipped -17,48% after falling spot prices and geopolitical uncertainties led to widespread profit-taking.

Tempus AI ($TEM (+1,4%)) (-13,24%) and Rheinmetall ($RHM (+8,04%)) (-12,99%) suffered from a general revaluation of growth and defense stocks. Mercado Libre ($MELI (+2,19%)) closed the month with -10,00 % also significantly weaker, weighed down by consumer data from Latin America.

5. conclusion 💡

November was a classic rotation month: risk-off in speculative future themes, stability in value, fintech and more defensive positions.

❓Question for the community

Which position surprised you the most in November - positive or negative?

👇 Write it in the comments!

Congratulations to all those who took the plunge almost a year ago at $NU (+0,84%) the falling knife!

Now everyone is in the black!

Congratulations on the all-time high 💪🔥 20$ next? 📈

I realized that my portfolio is very tech-heavy and has been underperforming the market the last few days. I thought I would ask several AIs (for fun) how they would adjust my portfolio to remain growth-oriented but with more diversification and some stability.

Here is the list:

Tech:

6% $NV

5% $GOOGL (+0,76%)

5% $AMZN (+0,79%)

4% $MSFT (+0,54%)

5% $ASML (+4,13%)

5% $2330

4% $CSU (+2,4%)

5% $PANW (+1,55%) (new)

4% $CRWD (+0,7%)

6% $INTU (+0,24%) (new)

4% $CRM (+0,14%)

Industry:

3% $ETN (+0,08%) (new)

3% $APH (+2,04%)

3% $HEI (-0,34%)

Health:

4% $NOVO B (+3,34%)

4% $LLY (-0,23%) (new)

3% $ISRG (+0,25%) (new)

Finances:

4% $V (-0,36%)

3% $NU (+0,84%)

Energy/commodities:

6% $LIN (+0,19%) (new)

2% $NEE (-0,3%) (new)

Infrastructure:

3% $WM (+0,29%) (new)

Consumption:

9% $COST (+1%) (new)

The Ki:

BYD, Xiaomi, Iris Energy, Hims and Hers, Sofi, Applied Digital, Coreweave, Ondas, Rocket lab. Quasi China and all the hype stocks

However, AI has been arguing with itself. It thought Crowdstrike should be replaced by Palo Alto and, if Palo Alto was in, it should be replaced by Crowdstrike. The same with Novo and Eli lilly, visa and mastercard, salesforce and service now.

What do you think of the AI "optimized portfolio"?