🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (+0,23%) and $TSM (+1,92%) were proved wrong.

To my delight $RSG (-0,45%) , $V (-0,2%) and $DE (-0,38%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD: -3.65 %

📉 TTWROR: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (-0,45%) +15,81%

🥈 $V (-0,2%) +6,69%

🥉 $DE (-0,38%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (+1,92%) -19,13%

🥈 $ASML (+0,3%) -10,71%

🥉 $IS3R (-0,31%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-0,16%) x5,55

🔄 03/2025: $IS3R (-0,31%) x2,80

🔄 03/2025: $5MVL (+1,09%) x1,83

➡️ 03/2025: $TSM (+1,92%) x1,726

➡️ 03/2025: $ZTS (-0,39%) x2,093

➡️ 03/2025: $UNH (+0,23%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (-0,2%) +1,05€

💸 03/2025: $ZTS (-0,39%) +2,28€

💸 03/2025: $UNH (+0,23%) +1,97€

🔄 02/2025: $ISAC (-0,16%) x6,8

🔄 02/2025: $MEUD (+0,26%) x0,50

⬅️ 02/2025: $BRK.B (+0,07%) +51,29€

⬅️ 02/2025: $PG (-0,18%) +543,98€

💶 02/2025: Interest +25.20€

💸 02/2025: $DE (-0,38%) +4,06€

💸 02/2025: $ASML (+0,3%) +2,68€

💸 02/2025: $COST (-0,27%) +0,03€

💸 02/2025: $PG (-0,18%) +2,83€

🔄 01/2025: $ISAC (-0,16%) x5,75

🔄 01/2025: $MEUD (+0,26%) x0,53

➡️ 01/2025: $UNH (+0,23%) x1

➡️ 01/2025: $TSM (+1,92%) x2

➡️ 01/2025: $BTC (-0,11%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (-0,45%) +1,16€

💸 01/2025: $SYK (+0,19%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView - https://de.tradingview.com/pricing/?share_your_love=blckfish&mobileapp=true

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

Bitcoin reaches over $102,000

On Thursday, Bitcoin $BTC (-0,11%) surpassed the impressive $102,000 mark on Thursday, reaching its highest level since the end of January. This remarkable rally is the result of positive market sentiment, which was further boosted by the announcement of a trade deal between President Trump and the UK. The prospect of a de-escalation of tariffs has sparked optimism among investors, catapulting the world's largest cryptocurrency higher. Coinbase also announced $COIN (+1,42%) reported the acquisition of options platform Deribit for a whopping $2.9 billion, adding to the positive sentiment in the crypto sector. At around 4:45 pm ET, Bitcoin reached a price of over $102,147, an increase of up to 5%. However, in the days following Trump's announcement about "proportionate" tariffs, Bitcoin fell to as low as $75,000. The general sentiment in the Bitcoin sector has improved noticeably with the recovery of the stock market. Analysts report that more and more companies are adding Bitcoin to their balance sheets, which further strengthens confidence in the cryptocurrency.

Coinbase acquires Deribit for $2.9 billion

The Coinbase share $COIN (+1,42%) is showing an impressive rise after announcing the acquisition of Deribit, the largest Bitcoin and Ether options platform, for $2.9 billion. This acquisition is seen as a strategic move to further drive Coinbase's global expansion. Deribit is known for its extensive trading capabilities in the cryptocurrency derivatives space and will help Coinbase solidify its market position in this fast-growing segment. Madison Mills, host of the Morning Brief, explained that this deal not only expands Coinbase's product range, but also significantly increases its competitiveness in the international market. This development has further fueled interest in Coinbase and the crypto market as a whole and could have a lasting impact on the dynamics of the industry.

Sources:

https://finance.yahoo.com/news/bitcoin-tops-102000-to-touch-highest-level-since-january-after-coinbase-tariff-deals-204357063.html

https://finance.yahoo.com/video/coinbase-enters-derivatives-market-deribit-143131926.html

Hello everyone,

I am currently in the process of reallocating my shares/ etfs.

The plan is a core-satellite portfolio

Core:

$VWCE (-0,04%) 60%

Satelite:

$WSML (-0,05%) 10%

$EIMI (+0,27%) 10%

$BLK (+0,39%) 5%

$BRK.B (+0,07%) 5%

$BTC (-0,11%) 5%

$EWG2 (+0,46%) 5%

I am currently 20 years old and my savings rate is 250€ per week, so I don't want to focus on dividends yet.

If you have any suggestions or objections to the individual positions/position sizes, please let me know.

I also wanted to set up a blunt Bitcoin savings plan,

However, I would be very interested to know where you do this. It's particularly important to me that the costs are low.

I only have Binance so far, but I can't really say much about it.

Do you have any recommendations? $BTC (-0,11%)

Thanks at Voraus✌️

🎉Good evening everyone. Today, with this fantastic market session, after a little more than three years since the 'beginning of my journey in the investment world I finally reached the small (but for me big) threshold of 10k.

🧮At this point I would like to make a recap and ask you, if my strategy, based on my goals, is suitable and feasible.

🧒🏻Innanzitutto I am 28 years old, my dream (financially speaking) is to become financially independent by the age of 40 and then be able to stop working and live off my income. I am an investor with an excellent appetite for risk.

📊📈 My monthly investment plan included only two assets until the end of 2024: $KCVBHW (+1,21%) e $BTC (-0,11%) . I started in 2022 an accumulation plan through my bank of €100 monthly with a duration of 10 years in the Morgan Stanley Global Opportunity Fund AH, to which I add additional deposits from time to time in the months when I have more funds to invest. In mid-2023 I began adding Bitcoin to my portfolio, with investments of only €20 per month, which became something more whenever I had additional funds to invest.

Since early 2025 my monthly investments have steadily, and at a minimum, reached €350, broken down as follows:

- €100 in Morgan Stanley Global Opportunity Fund AH

- €50 in Bitcoin

- €200 divided into two stocks $LDO (-1,94%) Leonardo, a share in $VHYL (-0,21%) and the remainder in $FGEQ (-0,2%) .

From this month I aim to restructure the €200 into 6 small accumulation plans:

- €100 in $LDO (-1,94%)

- €20 in $FGEQ (-0,2%)

- €20 in $VHYL (-0,21%)

- €20 in $MSFT (+0,08%)

- €20 in $1211 (-0,68%)

- €20 in $HIMS (+0,2%)

❔🤷🏻‍♂️ I know that the fundamental problem in achieving my goal is to considerably increase the monthly amount of invested capital, but based on these premises, is this a right strategy in your opinion?

$BTC (-0,11%) and $ETH (+10,65%) are leading the way! #trump with a message to the world, will stocks and co. follow suit tomorrow?

I got into Bitcoin relatively late 😀, but I'm happy to pay more fiat for a less volatile Bitcoin. 😅 $BTC (-0,11%)

https://www.youtube.com/watch?v=000al7ru3ms

Yesterday evening I actually wanted to $ETH (+10,65%) position (-30%) a little last night, but then I wasted it.

Then this morning came the post from @Webda whereupon my attention was drawn again to what I wanted to buy the evening before.

But better a little too late than never.

I still see a lot of potential here.

Besides $BTC (-0,11%) also my only other crypto position.