I'm 20, a dual student in the public sector and started investing at the beginning of December with 45k - perhaps a bit of bad timing, but the money is finally in the market. The largest positions are currently in the MSCI World ($IWDA (+0%) ), an AI & Big Data ETF ($XAIX (-0,01%) ) and my bling-bling gold position ($IGLN (+0,38%) ), because a little sparkle in the portfolio never hurts. Every month, €175 goes into the MSCI World and €75 into XAIX - a solid savings plan.

In addition, I have built up a ~€1,200 position in the Nasdaq100 ETF ($CSNDX (+0,07%) ) to capture the tech sector.

The savings plans from the screenshot are still running: Bitcoin $BTC (-2,1%) (€ 15 per week), MicroStrategy $MSTR (-1,12%) (€5 per week), Nasdaq 100 (€70 per month), D-Wave Quantum $QBTS (+4,87%) (€ 10 per month), MSCI China (€ 5 per month) and Video Gaming & Esports (€ 5 per month). Incidentally, the small €5-10 savings plans are my kind of gambling - a little gambling is a must.

On top of that, my mom runs another Nasdaq 100 savings plan with €80 per month. This means that a total of €500 flows into my savings plans every month.

Edit: I want to increase my $BTC (-2,1%) position significantly in the medium to long term, apart from the savings plan. I want my crypto share to be at least as large as my gold share.

Oh yes, and because it can't be wild enough: I still hold a Palantir long bill and - now it's getting exotic - a bill on orange juice concentrate ($DE000SB3T5A9 ). Well.

The portfolio is in place, the savings plans are running - now it's time to wait and see where the journey takes us. Gold is shining, tech is growing, orange juice... let's see whether the market will be freshly squeezed or sour.

I wish you all another bullish 2025!

Dow +339.86 at 42732.13, Nasdaq +340.88 at 19621.67, S&P +73.92 at 5942.47

The stock market was in rally mode, benefiting from buying interest after the recent declines. The S&P 500 closed 1.3% higher than Thursday, but was 0.5% lower since the start of the Santa Claus rally period (last five trading days of the year and first two of the new year). The index was just below its 50-day moving average (5,944).

Gains were widely spread. Market breadth favored losers with a ratio of about 3 to 1 on the NYSE and Nasdaq. 24 of the 30 Dow components posted gains and all 11 S&P 500 sectors closed higher. The consumer discretionary sector led by a wide margin, rising 2.4%, thanks to a surge in Amazon.com $AMZN (+0%) and a big move in Tesla. Shares of $TSLA (+0,16%) recovered from their 20% drop from their December highs to yesterday's close.

Other mega cap names outperformed the broader stock market and boosted index performance. The Vanguard Mega Cap Growth ETF $MGK (+0,07%) closed 1.7% higher.

Apple $AAPL (+0,19%) was an exception, continuing declines related to iPhone discounting and declining demand in China.

Shares of US Steel $X (+0,55%) also went against the uptrend, slipping after the White House confirmed that President Biden will block the acquisition of Nippon Steel $NPSCY takeover. Nippon Steel Corporation and US Steel released a statement condemning the US government's decision to block the proposed acquisition of US Steel, calling it illegal.

The yield on 10-year bonds rose two basis points to 4.60% and the yield on 2-year bonds rose three basis points to 4.28%.

$CSNDX (+0,07%)
$LYPS (+0,08%)

Good morning dear Getquin members,

a healthy and successful 2025 from me too.

Today I am writing a post on the computer and hope that the grammar and sentence structure is better than on the mobile device.

My thanks go to the members here:

@Simpson
@TomTurboInvest
@InvestmentPapa
@Lorena
@Alumdria
@DividendenWaschbaer and many others who have changed their names or are no longer active here. Great contributions, interesting dialogs and stay as you are.

It was a coming and going (thank God) of some users here. But the population has remained except for a few who are no longer active here.

So now to my post background:

I received a lot of Sankey from you in 2023 and always asked myself how I was doing. After (unfortunately) not keeping a budget book for a long time, in 2024 I had the motivation to meticulously document my expenses every day. Even in the pub, on vacation or anywhere else, I had a small backup book with me and wrote down the beer mat. :-)

Now here is the overview for you.

My other monthly or one-off income and expenses. At the end of the year 2024 divided by 12, this gives you an overview of my average monthly income vs. expenses.

My expenses are surprisingly high:

• Purchases in supermarkets ~500 EUR per month (food and drinks)
• cars Mobility ~650 EUR (insurance and repairs) without refueling
• Vacation ~550 EUR (I go on vacation twice a year for 3 weeks - that costs, as well as a weekend in the Alps once a month)

Since I expect higher costs in 2025 (property tax (taxes are robbery), mobility and various increased insurance premiums that are already here for transfer, I will look at the potential for savings in detail...

The employer has also reduced the salary (special payment and Christmas bonus) by approx. 5% in 2025, the 2% pay rise won't help here either

I received the graphic here: #sankey
#sankeychallenge

https://sankeymatic.com/build/

Sankey Motivations received from: @Fabzy
@DonkeyInvestor

Result of my Sankey budget book:

Income minus expenses is savings amount (wrote a user here the other day) is invested in

2 parts: $VWRL (-0,06%)

2 parts: $VUAG (+0,06%) and

1 part: $CSNDX (+0,07%)

So if you have any suggestions, motivations or questions, please leave them in the comments.

So long Smudo

The year 2024 is over in stock market terms and I would also like to review the year.

I started with a portfolio value of just over €53,000.

I knew that a reallocation of around €20,000 was still to come and had therefore set my sights on the target of €100,000.

This was very ambitious, as I naturally didn't know what the year would bring. After all, there were already enough economic and political uncertainties at the start of 2024.

As I only really started investing in 2021 and 2022 was therefore my first full year on the stock market, I made a lot of mistakes at the beginning, had fluctuations in my strategy (once one was in place) and of course also made a few losses.

That's why it was important for me to stay true to my strategy in 2024 and not throw everything overboard again. Because, as I always say, going back and forth empties your pockets.

Some of you may also remember my early days, when I had a lot of savings plans in place, but they weren't particularly high and were constantly being changed. At the beginning of 2024, my portfolio contained a total of 47 individual share positions and 3 ETFs.

My goals for 2024 were therefore

• Stay true to the strategy
• No new stocks in the portfolio, rather clear out
• 100,000€ portfolio value
• 2000€ net dividend
• Investment of €17,000 (without reallocation)

2024 went as follows for me:

January: +4.0%

February: +1.3%

March: +3.0%

April: -0.4%

May: +0.5%

June: +1.7%

July: +1.7%

August: +0.9%

September: +1.0%

October: -0.4%

November: +3.4%

December: -1.7%

TTWROR 2024: +15.8%

Dividend (already in the performance): € 1956.56

Invested: €24,900

Reallocation: €21,700

Thanks to a special payment from my old employer, to which I was still entitled, I was surprisingly able to invest around €5,000 more than I had originally thought.

Did I achieve my goals?

Not all of them.

With the dividends, I'm ~€43 below my target. That's a shame, but it motivates me to step on the gas even more and crack the €2400 net dividend in 2025. That would be €200 net per month, which corresponds to an increase of 22.66%. Again, very ambitious, but you should set yourself ambitious goals.

However, I was already able to break the €100,000 barrier in September. This was of course due to the strong market. I ended the year with just over €111,500. I have remained true to my strategy, but a few new stocks have slipped into the portfolio (and a few out).

The cheering contribution to the €100,000 was here:

https://app.getquin.com/de/activity/XGtdQzCdYF

New in the depot:

$NESN (-0,07%) Nestle

$CTAS (+0,33%) Cintas (savings plan)

$RACE (-0,08%) Ferrari

$D05 (-0,67%) DBS

$UNH (+0,45%) United Health

$V (+0,09%) visas

$CSNDX (+0,07%) Nasdaq 100 (savings plan)

$XEON (-0%) As an overnight money substitute for fixed planned money for loan repayment in 6 years or special repayment if the interest rate on the balance falls below the loan interest rate of 0.75%. Is topped up with special payments from the employer during this period.

Left my securities account:

$AAL (+3,38%) Anglo American PLC (+37%)

$IBM (+0,31%) (+26%)

$BAC (+0,11%) Bank of America (+45%)

$UKW (-0,66%) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (-0,62%) Starbucks (+10%)

$BIGG (+3,1%) Bigg Digital Group (-95%)

Unfortunately, I sold IBM and Bank of America too early, but I am still satisfied.

What else has happened?

• I bought Bitcoin from TR to estimate the costs. Conclusion: savings plan is always around 3-4% higher. Not worth it, if at all then individual purchases
• Weingut Dürnberg: First dividend received and prospects look reasonable. Depending on how the grape harvest turns out next year, a dividend will be paid again and investments can still be made.
• The conservatory and paving the courtyard are done. The house construction is more or less finished, everything else will take time and are small things, but now I have to start saving again as I only have a small nest egg and my deposit. All other funds have been used up as the costs were twice as high as originally planned.
• Podcast with @Koenigmidas is running rather slowly this year due to personal time constraints. You can find the latest episode here: Link zur Folge (also available on Amazon)

Outlook for 2025

So what are my plans for 2025 in terms of finances?

• Investment of €15,000
• Net dividend of €2,400
• One slightly greater focus on high dividend stocks (e.g. to increase $HTGC (+0,26%) to increase the cash flow a little faster)

What are your targets for 2025? Did you reach your 2024 targets and to what extent did you change your targets after reaching (or not reaching) your 2024 targets?

Feel free to let me know in the comments, as I always find it very exciting to see how ambitiously others set/change their goals.

I wish you a good start to 2025 and every success with all your plans and goals.

As with everything, of course, if you're not interested, feel free to keep scrolling and/or use the block function. 😊

I would like to tell you about my little project that has kept me busy over the last month :)

I'm a fan of sentiment indicators and I'm sure everyone here is familiar with the CNN Fear and Greed Index(1)

This index uses various indicators to determine how fearful or greedy market participants currently are.

However, there is not really any data going back very far, which is why I have created my own Fear and Greed Index. Firstly, it goes back to 2000 and secondly, it consists of more indicators that can be weighted manually.

This is my favorite weighting:

Which indicators are used?

The CNN Index uses the following:

(All "companies" always refer to S&P 500 $SPY (-0,1%) companies)

• S&P500 Momentum (S&P500 $SPY (-0,1%) Index against its 125 EMA)
• Stock Price Strength (companies at 52-week high vs 52-week low)
• Stock Price Breadth (volume of companies with price gains vs price losses)
• Put-call ratio (number of put vs. call options)
• Market Volatility (VIX $VIX vs 50 day EMA)
• Safe Haven Demand (Price Gains vs Bond Yields (10Y))
• Junk Bond Demand (Spread between Junk Bonds vs Treasury Yields)

I also use these indicators, including the following additional ones:

• University of Michigan: Consumer Sentiment (consumer sentiment survey)
• AAII Investor Sentiment (investor sentiment survey)
• Margin Debt Ratio (measures investment purchases on credit (leveraged positions))
• Insider Transactions (insider buying vs insider selling)
• 10Y Treasury Yield (coupon of the 10-year US bond)
• YieldCurve (Coupon of the 10Y - Coupon of the 2Y US bond)

the following indicators signal greed (higher values => greed):

• S&P500 $SPY (-0,1%) well above 125 EMA
• Stock Price Strength (many companies at annual high vs. annual low)
• Stock Price Breadth (high volume on price gains)
• Safe Haven Demand (high price gains vs bond yields)
• Consumer Sentiment (good consumer sentiment)
• AAII Investor Sentiment (bullish investor sentiment)
• Margin Debt Ratio (high and highly leveraged positions)
• 10Y Treasury Yield (can also indicate a weak current situation in a recession, but I opted for the long-term positive outlook, which is indicated by a high yield)

the following indicators signal Fear (higher values => Fear):

• Put-call ratio (more bets on falling prices)
• Market Volatility (more volatility expresses nervousness)
• Junk bond demand (higher risk premium for junk bonds)
• Insider Transactions (higher BUYs as a signal of fear, as smart money is considered here. The highest buy/sell ratios were seen during recessions)
• YieldCurve (higher spread than a signal from Fear, often in recessions when short-term prospects are extremely poor, but in general I didn't find the indicator very good, which is why I no longer have it in the final version)

There is data that is available daily, while I only have access to others after 2 months, which is why my index generally lags behind CNN's Fear and Greed (CNN in BLUE, mine in GREEN):

(here I find CNN's index way too low in the 2021 tech boom period)

Currently, there is also a big divergence. While the CNN index has plummeted to 30 from 67, my index is still at 75 from 94.

I've been thinking about training an AI model that calculates a good investment strategy for me and optimizes the return or the Sharpe ratio (risk-adjusted return), for example. Here you could train on different ETFs. However, this will probably lead to overfitting (the model learns exact values from the past and not general strategies). Overfitting could perhaps be reduced somewhat by training on a random index, so the model has to find a strategy that can cope with a random ETF.

In general, it should be noted that the Fear and Greed Index only covers the US market. It probably works best on US indices $SPY (-0,1%)
$CSNDX (+0,07%) but global strategies should also work well, as the US share is usually over 60% $IWDA (+0%)
$ACWI . Europe or EM probably have a slightly lower correlation $EXSA (+0,07%)
$EIMI (+0,08%)

Nevertheless, the US dominates the world and therefore a US sentiment index should also be a global sentiment index.

Maybe I'll make the index publicly available, we'll see.

Now it's your turn:

What would interest you in connection with this index?

What could be done differently, added, etc.?

I wish you all a Merry Christmas🌟🎄🌟

1) https://edition.cnn.com/markets/fear-and-greed

Hello everyone,

I'm 27 and still quite new to investing and I'm happy to have landed in a friendly and helpful community here 🙏🏼

I am currently planning to invest €250 per month in fixed savings plans and would like to build up assets over the long term.

I am considering investing in the $IWDA (+0%) and the $CSNDX (+0,07%) and the However, I'm wondering: should I add an EM ETF or perhaps an ETF like $VWRL (-0,06%) that is a bit broader?

Also: distributing vs. accumulating - what do you think makes more sense in the long term?

Looking forward to your opinions and feedback! :)

Dear community, I'm in my early 20s and have been investing since the beginning of the year.

I initially started with a simple ETF savings plan and saved $IWDA (+0%)
$CSPX (+0,08%)
$CSNDX (+0,07%) saved.

It was too much for me and $CSNDX (+0,07%) and took it out just under 1-2 months ago and split it between the other 2 ETFs.

I am aware that my ETFs still overlap, but I would like to leave it that way for now.

I've been looking at individual shares recently and have added a few positions to my portfolio over the last few months.

I would like to keep a certain amount of security in my portfolio in the form of my ETF positions in the future. And to boost performance with individual shares, I have been working with $RKLB (+0,57%) and $PANR (+6,85%) somewhat "riskier" shares, but I see potential in them over the next few years.

$KAS (-2,2%) was a penny stock at the time in which I entered blindly (unsuspecting and fresh at the beginning of my investments)

I'm still in training and therefore don't have much budget and still have smaller positions, so we'll see what the future brings.

Criticism and general feedback are very welcome THANK YOU 🤝

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (-0,11%) ACWI IMI, and with the $CSNDX (+0,07%) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-2,1%) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0,08%) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0%) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (-0,06%) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (+1,1%) LVMH $OR (+0,92%) L'Oreal or $MCD (+0,06%) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

Portfolio feedback

Now that I've reached my goal for this year, I thought it was time to hear some different opinions from you.

Briefly about me: I am 19 years old and started investing in June this year. Thanks to my training salary, I have a monthly savings rate of €350, which is currently broken down as follows:

250€ in the $IWDA (+0%)

100€ in the $EIMI (+0,08%)

Now a few thoughts on my part:

I will probably stop the savings plan on the $EIMI (+0,08%) as, in my opinion, it no longer has that much potential.

Furthermore, I will expand my portfolio by $BTC (-2,1%) to my portfolio. The idea here was to change the savings plan on the $EIMI (+0,08%) to Bitcoin.

I am also still young and therefore think that I can add a little risk to my portfolio. What can you recommend? I was perhaps thinking of a $VUSA (+0,08%) or one $CSNDX (+0,07%) even if this would significantly overweight my USA share.

Thanks to everyone who takes the time to read through this post🙏