I'm starting my DIY pet health fund strategy to cleverly manage vet costs myself, I thought it would be much more fun to be my own insurer.

After reviewing and calculating the costs, I came to the conclusion that I would pay €30-40/month for my cat, assuming she has a life expectancy of 13-15 years, into a defensive portfolio instead of a monthly insurance premium.

From the age of 8 - 10, I expect the risk of more frequent treatments and high vet costs to increase enormously as my cat gets older.

Of course, I am aware that high costs can also arise much earlier, but you don't always have that when you build up reserves for a possible event in the future.

📊 I would start with this breakdown:

🛡️60% defensive (money market & short bond ETFs) = capital preservation & liquidity

• 30%$XEON (+0,01%)
• 
  30% $CSBGE3 (-0,01%)

⚔️40% offensive (equity & gold ETFs) = growth & inflation protection

• 20% $IS3Q (+0,48%)
• 
  10% $IWDA (+0,44%)
• 
  10% $EWG2 (+0,5%)

🏦 Payout rules:

• Deductible: €250 - €300, anything above that I will take out of the portfolio so as not to put too much strain on the capital stock.
• Liquidity buffer: at least €1,500 p.a. should be available in the defensive part of the portfolio.

🚨 The whole thing should give me more control and better returns in the long term - without the profit margin of an insurance company.

💬 Your opinion is not only wanted but also important. What do you think of such a DIY model? Risk or opportunity?

#DIYinsurance

Hello GetQuin Community,

since it has also become a bit quiet for me, there is a small update today.

My core still includes $IWDA (+0,44%)
$CSNDX (+0,88%) and $EIMI (+0,71%)

Total: (approx. 46.4%)

across all assets: $WGLD (+0,59%)
$BTC (+0,38%) and $XEON (+0,01%)

Total: (approx. 17.08%)

Here the $IWDA (+0,44%) with 120€/month and $BTC (+0,38%) with 70€/month

Individual purchases will of course be made on occasion.

----------

Two new shares were added over the course of the year. The following were added $ISRG (+4,41%) and $RKLB (+5,26%) these are still in the expansion phase ($ISRG (+4,41%) = 100€/month and $RKLB (+5,26%) with targeted individual purchases). Total, all shares: (approx. 36.52%)

There should also be a candidate from the cyber 'sector, which I have been watching for some time $ZS (+3,15%) and $CRWD (+4,14%) and from the network technology sector $ANET (+5,04%)

This leaves a balanced mix of growth and quality stocks.

----------

In addition, the cash position is also being built up a little more each month (approx. €350/month), which currently stands at around €1,500

Nest egg also remains stable at around €10,000

---------

My goal was to bring the portfolio up to €30,000 by the end of the year. This was already achieved in September, at least in terms of "momentum". I have therefore revised my forecast upwards and now expect to reach around €34,000 by the end of the year (including the savings ratio).

That was my word for Sunday.

LG

Paul

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (+0,44%) be

10% $XMME (+0,69%)

10% $WSML (+1,19%)

8,5% $GGRP (+0,09%)

8,5% $TDIV (-0,08%)

7% $CSPX (+0,51%)

5% $BTC (+0,38%)

5% $EWG2 (+0,5%)

5% $XEON (+0,01%)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

Actually, I'm just a silent reader here, but I'd like to introduce myself and my overall portfolio.

First of all, about me and my family situation:

I am now 40 years old, married and have 2 children (3 and 8 years old).

My first "real" salary only came in 2013 for me and 2015 for my wife after her traineeship.

I/we only started investing and/or saving shortly before coronavirus.

Before that, my wife and I dutifully paid back our student loans from the KFW bank. We both paid €500 in tuition fees for each semester in NRW and as we didn't receive any financial support from our parents (it wasn't a case of not wanting to, but not being able to), we also received Bafög on top of our student job salary.

My wife works part-time 60% as a teacher and I earn my money as a store manager.

We have around €6,000 as a joint household net income, which is enough to live on in Cologne, but is a far cry from an annual 14-day all-in vacation in a family hotel.

Our savings behavior:

Pot I

This is where we save up equity for a single-family home for our own use, with varying degrees of success.

Somehow it's like tilting at windmills.

We save €300 a month here.

As of now approx. 30000€

• 250€ $XEON (+0,01%)
• 
  50€$SPYI (+0,55%)
• 
  irregularly in fixed-term deposits with a short term

Pot II

This is our pension pot. We save €275 per month in this pot (annual adjustment of 5%).

As of now approx. 7500€

• 27,50€ $EQQQ (+0,86%)
• 
  27,50€ $EWG2 (+0,5%)
• 
  27,50€ $BTC (+0,38%)
• 
  27,50€ $TDIV (-0,08%)
• 
  165€ $SPYI (+0,55%)

One core and four satellites with different directions.

Pot III

Our nest egg is invested here in call money. The nest egg is actually full, but more is always possible;

another €50 a month goes in here

Pot IIII

This actually consists of several pots and is more of a consumption pot.

• Reserves/wear and tear/new purchases 150€
• Vacation 100€
• Family fun (larger trips, eating out, etc.) €50

However, this is only the fixed part.

At the end of the month, this pot and pot I receive equal amounts (25% of the money) that is "left over" at the end of the month.

This is usually €250-600 depending on how quickly children's feet grow or pants wear out 😁

Owning a home is not a must and we have no need. We live in a nice modern 4-room apartment in a quiet area of Cologne for rent with moderate to low rent.

We have a car that belongs to us, which is driven to the end and one that I pay tax on every month.

I hope I haven't forgotten anything. Sometimes the principle of pots seems too complicated and kind of quirky, but it works for us.

You are welcome to leave me feedback.

$XEON (+0,01%) If you look at the last few months, the increase in the annual return has steadily leveled off. We are now at 2.7%. Things have gone downhill in the past.

What do you think, are there more stable alternatives?

2 % pa call money account TR vs. $XEON (+0,01%) or similar

As my call money with a current interest rate of 3.75% expires in September and will be adjusted to a ridiculous 0.75%, I am currently looking for an alternative.

Either shift everything into the $XEON (+0,01%) completely into the $IWDA (+0,44%) or go back to overnight money hopping. Investments in kind with Timeless are also nice to have but are out of the question for me with 40k and P2P loans via Mintos etc. also have too high a risk of collapse even with the "buyback guarantees".

What do you think, is Firefish an alternative?

Investments via Firefish function as a peer-to-peer (P2P) marketplace for Bitcoin-backed loans. Investors can lend money in the form of fiat currency (e.g. euros, US dollars) and receive fixed interest in return, which is fully secured by Bitcoin as collateral. The borrowers' bitcoins are deposited in non-custodial multisig smart contracts, which means that Firefish itself has no access to the crypto assets. The bitcoins are therefore stored securely and serve as over-collateralization for the loans.

The interest rates there are significantly higher (6-15%) and due to the LTV deposit of 50%, the multisig contract custody and the automatic liquidation in the event of a fall in the price of BTC, I think the risk is quite low.

I look forward to your opinion on this. 👋

https://firefish.io/

I have decided to sell Meta, Airbus and Adobe and switch into $XEON (+0,01%) and reallocate to Why? Because I wanted to park the money safely to save equity for a property in 3/4 years and Meta & Airbus were fat in the plus.

Did it hurt? Hell yes, the shares had been in the portfolio for 6 years. Ultimately, however, my other positions remain in the portfolio and will not be saved. Only the $XEON (+0,01%) is saved monthly as a safe investment alongside overnight money. At the time of purchase, I will have around 20% equity. Some of the shares may then be sold on top, depending on the situation, but the security is there.

How would you have acted?