4G·

Talking less leads to greater success📈

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.

attachment
86
53 Commenti

immagine del profilo
Surely it's okay to talk about stocks and assets in a private setting.

How does the saying go? It's not what you say, but how you say it.
13
immagine del profilo
@Alpalaka •Who• is the important part☝🏽
1
@Alpalaka If the other person views stocks and the stock market as tools of capitalist oppression or is simply not interested in them (and that could even be the case with your significant other), then it’s about as interesting to them as if Bert Erni were raving about his bottle cap collection.
3
immagine del profilo
@DEW_7240 If there's no interest, then the topic doesn't even come up in the conversation.
2
immagine del profilo
@DEW_7240 There have definitely been times when I've felt just like Bert Erni😂
@PoorDad But you still have that home savings plan, right? 😆
immagine del profilo
I think a lot of people just want to see you fail, so when talking about the stock market, only talk about the losses you’ve taken 😂

You should keep your successes to yourself; the chances that it’ll negatively affect your relationship with coworkers are much higher. In general, you should view them for what they are: coworkers, not friends.
Even with friends, I wouldn’t talk about exact figures—people only see the big numbers but don’t realize that I’ve lived frugally for years and gone without a lot of things.

All in all, I sleep much more soundly when no one knows anything about my finances.
12
immagine del profilo
@Simpson When I was an apprentice, I read a lot of books on the stock market… It’s like a jab at those cynics 😂 They didn’t get it at all…
I remember people saying, “Do you really think these books are going to make you rich?” 🥴 That really motivated me, haha
1
My brother thinks I'm way in the red, so we both feel better that way 😁
9
immagine del profilo
@Frei Maybe that will make him believe in you even more! 😂☝🏽
1
immagine del profilo
At work, I also prefer not to talk about finances and investing. Many of my coworkers, whom I get along with well, regularly go into the red because they don’t have enough money. But that’s not because they don’t earn enough—most of them make as much or even a little more than I do. They just spend it like there’s no tomorrow.
7
immagine del profilo
@Psychedelic_Sunflower It's especially dangerous at work... Some people tend to notice even minor mistakes and start talking trash. Jealousy... or whatever it is🤷🏽‍♂️
4
immagine del profilo
I agree with you 100%. At the beginning of my investment journey, I didn’t tell anyone at first because I was afraid that everyone would think they knew better than I did, or that it would lead to jealousy, etc. Now, I enjoy talking about it with my family. Especially with my siblings and parents, since they got started with it because of me.

I can also talk about it easily with one or two friends, because it’s absolutely not about who has how much (even though we know each other’s situations)—it’s more about sharing what we know and exchanging ideas with each other.
6
immagine del profilo
@InvestingJourney I was very open at first... now I keep my circle pretty small. Except here on Getquin... but here, after all, we're all in this together to win.
5
immagine del profilo
I think we should talk to young people and teenagers in a constructive way about investing. We should spark their curiosity, but not overdo it. Young people, in particular, have their futures in their own hands. Unfortunately, however, they don’t always learn this from their parents or at school. That’s why I see it as my responsibility. We shouldn’t stir up envy; instead, we should take everyone by the hand and use examples to show what’s achievable. I’ve even managed to do this to some extent with my own relatives. As a result, our bond and relationship have actually grown stronger—because we talk and share ideas.
5
immagine del profilo
@Tenbagger2024 Yeah, you're right, but again, I have to say you have to be careful who you tell things like that to. I'm just speaking from my own experience, because then you end up hearing things behind your back...

But people who don't want anything to do with it anyway will quickly shut you out. It’s all too easy to judge someone without even knowing them. “Investor” equals “bad.” That’s their mindset.

And yes, I agree with you—conversations like that are absolutely essential. But let’s be honest: most people just find it a pain in the neck.

I have friends at work who also invest. But as soon as people hear us talking about financial figures, business models, and prices, they start judging us. They know exactly what it’s all about. But in the end, visible progress often leads to envy because they themselves aren’t going to get started.
That’s why I say you have to know who you’re talking to about this.

But of course, everyone’s situation is different...
immagine del profilo
@PoorDad But it’s the same with other topics, too. It really gets on a lot of people’s nerves when people talk about soccer on Mondays. Or I just can’t understand why teenagers identify with some weird TikTok videos. I think cars are also becoming less and less of a status symbol; Buffet is probably still driving around in his 10-year-old car. And as far as investing goes, I think the first step is to overcome the fear of it. It’s in our genes—fear tends to prevail. And the bad examples get burned into our brains—stock market crashes and so on. That’s why it’s important to first overcome that fear and start with conservative assets.
immagine del profilo
@Tenbagger2024 Yeah, sure, I used to do that... but now I just want to get things done and not spend all my time playing teacher and explaining everything. Anyone who's really interested will look it up themselves anyway, using AI and videos...
1
immagine del profilo
@PoorDad Unfortunately, it's often the wrong videos—the ones that promise quick money—that are the problem.
immagine del profilo
@PoorDad Investing without some basic knowledge can go wrong very quickly.
immagine del profilo
@Tenbagger2024 All in all, I still say the less you know, the better
1
immagine del profilo
I’ll talk openly about it, show my portfolio, my margin loan. To everyone. To anyone. (Who’s interested)

To help. To explain. To show the way there.

What good are time and freedom (=money) to me if I spend them alone? I want a supportive environment.
3
immagine del profilo
@GeldGenie I also have people in my circle who I like to talk to about it. But with a lot of others, I've stopped doing that... and it was for the best.
immagine del profilo
@PoorDad I've NEVER had a bad experience.

But that depends on the situation (though I've also talked openly about it with people I've just met…)
immagine del profilo
@GeldGenie I hope it stays this way💯
@GeldGenie Can you tell us more about your Lomabrd loan? I'm thinking about taking one out too to cover the remaining balance on my property.
immagine del profilo
@stocker_1924 I can do that. BUT:
1. Swiss requirement
2. Not recommended from a personal standpoint and, in some cases, impossible for real estate financing

If you share your context, though, I might be able to help or share my opinion
I only started because a coworker told me about it.
3
immagine del profilo
@dubestdub My friends and I (many of whom I met during my apprenticeship) started out that way, too. We’d always talk about stocks among ourselves in front of others, and gradually the other cynics started giving us weird looks—they realized we were dealing with larger sums of money… we noticed that and only ever talked about it when we were alone. At some point, you just sense that bad vibe.
1
immagine del profilo
I like talking about stocks. I’d do it regularly—even with friends and family—but only if they’re interested. They should reach out to me; the relevant people in my circle know that I’m interested in the topic and that I’ve delved into it fairly deeply.
Most of them just aren’t interested, don’t have the money, or don’t want to get bogged down by my relatively extensive knowledge. Which is fine.

The bigger your portfolio gets, the more you realize anyway that having a portfolio in Germany isn’t absolutely necessary to be happy. Especially not at 30–35. A large portfolio doesn’t make you happy—it’s the decision of how to use it that does.
2
immagine del profilo
@SchlaubiSchlumpf Most of us probably have friends and acquaintances we talk to about this. That’s why I’ve mentioned several times that you should be careful about who you tell these things to. A lot of people just want to boost their ego, and that’s exactly why they start talking about it.

As for the size of my portfolio… I do think that the size makes me happier and happier… but only because I’m getting closer and closer to my financial goals.
1
immagine del profilo
@PoorDad Same here. I’ve told a few people about my strategy. The more money I have in my portfolio, the less willing I am to share information about its size 😅

Friends often don’t have fully developed strategies. I usually offer to share information if they need it, but I try not to “lecture” them too much. If my girlfriend’s brother-in-law sells his MSCI World fund because AI is too big for him and he wants to buy a house soon, then he has his reasons.
In that case, it doesn’t help to tell him that, statistically speaking, it’s also paid off to go all-in right before crashes instead of using DCA.
The same goes for the buddy who’s following the strategy of not investing because he might get hit by a bus at 60 anyway—who am I to judge? 🤷🏼‍♂️
3
immagine del profilo
@SchlaubiSchlumpf You can talk about anything without any problems... but as soon as the size of a portfolio comes up in conversation... things start to get awkward. From that point on, envy can start to creep in.
1
immagine del profilo
@PoorDad Yep. Unless you’re in a similar situation. A buddy of mine is about as well-off as I am and makes good money.
At some point, your perspective on money shifts a bit. I was talking to my sister about washing machines. She makes less money, doesn’t save, and spends a lot.
I save a lot, spend very little, and have savings to show for it.
She looked at me pretty dumbfounded when I said, “Oh, that washing machine wasn’t expensive—€600.” I meant that because there are some that are absurdly expensive. But it wasn’t until after that it dawned on me that our worlds are worlds apart.
3
immagine del profilo
I've had a few bad experiences like that, too—people trying to get money out of me, etc.—after they found out I had some "extra" money to invest.
Once, someone I knew asked me for money because they’d really gone overboard on vacation and spent way too much.
So I was… well, very reluctant to give them any money.
Especially since that person already had an account with Trade Republic before I did and still views the stock market as a gamble, instead of approaching it the way we do here—with common sense, reason, and strategy—and then actually achieving success. 😅
Oh well.
That’s when I really cut back on contact with them, because I don’t need that kind of thing around me.

And I don’t need to talk about it with my coworkers either. They’re too old, too narrow-minded, and have that “the stock market is evil” mentality.
2
immagine del profilo
@Metis That sucks. In my opinion, a friend shouldn't be a burden... in the sense that a friend shouldn't drag you down, no matter what. You could try explaining to someone like that how to manage their money better, but if they’re stubborn, they’ll take it as an attack on their very existence 😂 I heard this once: When a fish is sick, you don’t try to treat it—you change the dirty water first ☝🏽
1
immagine del profilo
@PoorDad I’d tried that, even mentioning YouTube channels like Finanzfluss or Finanzbär, where the main focus is really on investing in ETFs and stuff like that… well. It’s all just luck and stuff, that person thought. And then they’re surprised that they’re not getting anywhere with gambling. 🤷🏻‍♀️
Meanwhile, I’m making strategic progress.
immagine del profilo
@Metis If you don't want to, you can't
1
immagine del profilo
The more someone talks about money, the less they have...
2
Mostra la risposta
My father always said, “Money ruins friendships,” and I’d reply, “If a friendship ends over money, it wasn’t worth anything.” The truth lies somewhere in between. If someone reaches out to me, I’m happy to help, but I would never take the initiative myself. That comes with its own set of risks. Twenty-five years ago, I tried to talk my best friend out of taking out a life insurance policy. No chance. Twenty years later, at least his kids have a brokerage account.
1
Mostra la risposta
immagine del profilo
Very well written. But I mean, you can always talk things over with friends who own stocks themselves 👍🏻
1
Mostra la risposta
immagine del profilo
So true 😃
1
Mostra la risposta
immagine del profilo
Filtering who you talk to is pretty important when it comes to this topic. That said, I can tell you that the overwhelming majority of people react quite positively to conversations about it. You just have to keep your feet on the ground and be open about any mishaps, too.
1
Mostra la risposta
But people always say we should talk more about money, that people should take more interest in finances…
Visualizza tutti 2 ulteriori risposte
There’s something to that. My portfolio has been going for a year now. It keeps growing day by day. The joy of realizing you’re not so stupid after all—and that you can actually grow your capital this way—is so great that you want to share it. You talk to others who are just as invested and exchange ideas. At some point, though, you reach a point where you realize that others just find the topic annoying. Since I’ve realized that and have fewer people to talk to about it, I’ve calmed down. But it doesn’t change my ambition or the joy I feel in watching my portfolio grow.
Mostra la risposta
Partecipa alla conversazione