SPDR S&P 500 ETF Trust

ETF

ISIN: US78462F1030

Ticker: SPY

US78462F1030

SPY

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Discussão sobre SPY

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Giampiero B.

@GiampieroB

1D·

🛑 If You’re Not Investing, You’re Losing Money! Here’s Why!💡

I know this might sound extreme, but it’s the truth: if you’re not investing, you’re losing money every single day. And I’m not talking about missing out on the latest “hot stock” or some get-rich-quick scheme—I mean something much bigger and more fundamental: inflation.

💸 Cash Loses Value Over Time

Think about this: How much did a coffee cost 10 years ago? What about rent, groceries, or fuel? Prices go up every single year due to inflation, meaning your money’s purchasing power is shrinking if you’re just keeping it in a bank account.

Let’s look at the numbers:

If you had €10,000 in a bank account in 2015, it could buy you much more than what the same €10,000 can buy today.

With average inflation at 2-3% per year, in a decade your money loses 20-30% of its real value.

Right now, inflation in Europe is hovering around 3%, and in previous years, it was even higher.

This means that keeping your money in cash is actually a guaranteed loss.

📈 Investing = The Best Way to Beat Inflation

So, how do you protect yourself? By investing in assets that grow over time.

Here’s why investing is essential:

✅ Stocks and ETFs have historically returned 7-10% per year, easily beating inflation.

✅ Real estate generates passive income and appreciates in value.

✅ Dividend stocks and ETFs provide cash flow, making your money work for you.

✅ Compounding means that even small investments today can turn into serious wealth in the future.

The best part? You don’t need to be an expert or have a fortune to start investing. Even €100 per month invested consistently can make a massive difference over time.

ETF Examples That Beat Inflation

If you’re new to investing, ETFs (Exchange-Traded Funds) are one of the best ways to get started. They provide diversification, lower fees, and solid long-term returns.

Here are some great ETFs that have historically outperformed inflation:

🚀 S&P 500 ETF ($SPY (-1,26%) / $VOO (-1,28%) / $CSPX (-1,14%) ) – This ETF tracks the 500 biggest U.S. companies (Apple, Microsoft, Tesla, etc.) and has returned an average of 10% per year over the last few decades.

🌍 Vanguard FTSE All-World ($VWCE (-0,92%) / $VWRL (-0,91%) ) – A global ETF that covers large and mid-sized companies worldwide. Perfect for broad diversification.

💰 iShares MSCI World ETF ($IWDA (-1,03%) ) – A strong alternative to VWCE, investing in developed markets globally.

📈 Dividend ETFs like $VYM (-0,5%) or $SPYD (+0,62%) $ – Great if you want passive income, as they pay quarterly dividends.

Real Numbers: Why Waiting Costs You Thousands

Let’s compare investing now vs. waiting 10 years:

If you invest €10,000 today, and it grows at 8% per year, in 20 years it becomes €46,600.

If you wait 10 years before investing, you’ll end up with only €21,500—less than HALF!

The difference? Not how much you invest, but how early you start.

⏳ The Biggest Mistake: Waiting Too Long

Many people say:

"I’ll start investing when I have more money."

"The stock market is too risky right now."

"I’ll wait for the perfect moment."

But the truth is: there’s never a perfect time. The most important thing is to get started and stay consistent.

Even if you only invest €50-100 per month, you’re already ahead of 90% of people who never invest at all.

🚀 Take Action Now!

If you haven’t started yet, now is the time. Inflation isn’t slowing down, and every year you wait, your cash loses value.

📌 What’s stopping you from investing?

(Follow me for more investing insights, ETF picks, and portfolio updates! 📊)

#degiro
#fire
#etfs
#businesswins
#investing
#takeactionnow

4 Comentários

Know your audience.
Everyone here is already investing, why else would we be on getquin?

•

BamBamInvest

@BamBamInvest

1Semana·

🇺🇸 Inflation: Today vs. 1970s

$CSPX (-1,14%)
$SPY (-1,26%)
$CSNDX (-1,63%)
$IWDA (-1,03%)
$ISAC (-1,03%)
$WSML (-1,32%)

found an interesting comparison, I wonder if that's the case ? 🧐🤔

I don't think so, what do you think?

Otherwise it could get pretty uncomfortable 😬

14 Comentários

Olli@EisenEnte

1Semana

If you only process the curves long enough, in this case using different "% yoy" scales, then everything correlates with each other. So I generally don't think much of such comparisons 🤷

•

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@BigMo

1Semana·

Interactive Brokers Taxes

Does anyone here have experience with the taxation of interest payments and dividends at Interactive Brokers?

I opened an account with IBKR last year to park part of my cash reserve in USD.

The idea was:

Diversification
Take high interest rates with you
To invest the money in a stronger market decline in $SPY (-1,26%) to invest

I am aware that IBKR is not tax-simple for Germans and that you have to be active yourself.

Is it now possible to export complete annual reports there, which I can put on my tax advisor's desk?

Thank you!

$IBKR (-2,25%)

4 Comentários

Markus@_xempex_

1Semana

If you use IB via Cap Trader, there is probably now a tax report adapted to German requirements.

I myself use IB via estably, formerly Banx. It comes down to getting the transaction report and my own Excel tables into the tax return. It usually takes 2-3 hours. I always write a note with explanations and hand in the transaction report and my Excel spreadsheets on request. The time before last, I had to go to the tax office and explained the report to the lady in a personal meeting. Last time, I submitted everything and it went straight through.

•

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BamBamInvest

@BamBamInvest

1Semana·

JAN. U.S. 🇺🇸 INFLATION DATA

$SPY (-1,26%)
$CSPX (-1,14%)

CPI 3% YoY, (Est. 2.9%)

CPI 0.5% MoM, (Est. 0.3%)

Core CPI 3.3% YoY, (Est. 3.1%)

Core CPI 0.4% MoM, (Est. 0.3%)

The monthly CPI reading in January was 0.5%, the highest since August 2023. And the monthly core increase of 0.4% is the largest since March last year.

BamBamInvest

@BamBamInvest

1Semana·

JANUARY 🇺🇸 CPI YOY ESTIMATES

$SPY (-1,26%)
$CSPX (-1,14%)

Bank of America 2.8%
Barclays 2.9%
BNP Paribas 2.9%
Citigroup 3.0%
Deutsche Bank 3.1%
Employ America 2.9%
First Trust 2.9%
Goldman Sachs 3.0%
Jefferies 2.9%
JP Morgan 2.9%
Moody's 2.8%
Morgan Stanley 2.9%
Nomura 2.9%
Piper Sandler 2.9%
TD Securities 2.9%
UBS 3.0%
Wells Fargo 2.9%

Median CPI YoY ---> 2.9% (Prior: 2.9%)

14 Comentários

C_Montgomery_Burns@C_Montgomery_Burns

1Semana

Didn't know the figures yet, but looking at the prices it was already clear 😭

•

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BamBamInvest

@BamBamInvest

1Semana·

JANUARY 🇺🇸 CPI YOY ESTIMATES

$SPY (-1,26%)
$CSPX (-1,14%)

Bank of America 2.8%
Barclays 2.9%
BNP Paribas 2.9%
Citigroup 3.0%
Deutsche Bank 3.1%
Employ America 2.9%
First Trust 2.9%
Goldman Sachs 3.0%
Jefferies 2.9%
JP Morgan 2.9%
Moody's 2.8%
Morgan Stanley 2.9%
Nomura 2.9%
Piper Sandler 2.9%
TD Securities 2.9%
UBS 3.0%
Wells Fargo 2.9%

Median CPI YoY ---> 2.9% (Prior: 2.9%)

Giampiero B.

@GiampieroB

3Semana·

🔥 FIRE Portfolio: How Much Do You REALLY Need to Retire? 🔥

Have you ever asked yourself: How much money do I need to walk away from the 9-5 grind forever? 🤔

Most people believe that retirement is a number on a bank statement… but let me tell you something: Retirement isn’t about money. It’s about FREEDOM. 🚀

The 4% Rule: Truth or Myth?

The FIRE (Financial Independence, Retire Early) movement often revolves around the 4% Rule—the idea that if you withdraw 4% of your portfolio each year, you’ll never run out of money. Sounds simple, right? But is it ENOUGH?

Let’s break it down:

✅ Want to live on $40,000 per year? You need $1M invested.

✅ Need $80,000 per year? You’re looking at $2M.

✅ Dreaming BIGGER? If you want $200,000 per year, your target is $5M.

Sounds like a lot? Here’s the TRUTH: You don’t need to retire, you need to build ASSETS that pay for your lifestyle! 💡

The Real FIRE Formula 🔥

1️⃣ Grow Your Income – Stop thinking small! The fastest way to FIRE isn’t just cutting lattes, it’s increasing your EARNING power. 💪

2️⃣ Invest in Cash-Flow Assets – Stocks, ETFs, real estate, businesses… Don’t just save money, make it WORK for you! 📈 $WEBG (-0,9%)
$SPY (-1,26%)
$VWCE (-0,92%)

3️⃣ Sell PUT Options Like the New Heroes of FIRE – $QQQY
$SPYY Selling cash-secured puts on strong stocks and ETFs is becoming a game-changer for FIRE seekers. It’s a low-risk way to generate extra income, build positions at a discount, and keep your capital working for you! 💰🔄

4️⃣ Think Beyond "Retirement" – The happiest FIRE achievers don’t just quit working, they design a life of passion and purpose. ❤️

The Ultimate FIRE Question

How much do YOU really need to feel free? Not just financially, but mentally, emotionally, spiritually.

The goal isn’t just a number—it’s the LIFE you want to live. 🌎

Comment below: What’s YOUR FIRE number? Are you using options to speed up your journey? Let’s build that future together! 🚀🔥 #fire
#passiveincome
#options
#etf
#realestate
#reit
#stock

Aktien Stammtisch

@Aktien_Stammtisch

4Semana·

Sector performance & weekly review S&P500

$SPY (-1,26%)

S&P 500 posts weekly gain thanks to strong quarterly figures and the start of the Trump presidency

The Standard & Poor's 500 index rose 1.7% this week, helped by better-than-expected quarterly results and optimism that the Trump administration will cut taxes and regulations.

The market index ended Friday's session at 6,101.24 points. It reached a new record high of 6,128.18 points during the day on Friday, but closed just below Thursday's record close of 6,118.71 points. The S&P 500 is now up 3.7% in January and is 25% higher than a year ago.

The week only had four trading days as the US stock market was closed on Monday for Martin Luther King Jr. Day.

Monday also saw the inauguration, which marked the start of President Donald Trump's second term. Investors are hoping that the newly sworn-in president will implement his plans to cut taxes and regulations.

Sentiment was also boosted by better-than-expected quarterly results from companies such as GE Aerospace (GE), Union Pacific (UNP) and Netflix (NFLX).

By sector:

- Communication services recorded the largest percentage increase of the week with a rise of 4%, followed by a rise of 2.9% in healthcare and an increase of 2.4 % in industry.

Netflix was the top performer in communication services, with a weekly increase of 14%. The company exceeded expectations with its Q4 results and revenues, adding 18.9 million new subscribers worldwide, almost twice as many as forecast. Netflix also issued above-consensus guidance for Q1.

In healthcare, shares of Moderna (MRNA) surged 22% after the vaccine maker was awarded $590 million from the U.S. Department of Health and Human Services to develop mRNA-based flu vaccines. Moderna also announced that it had received an order to supply its COVID-19 vaccine to the European Union, Norway and North Macedonia.

Shares of GE Aerospace led the gainers in the industrials sector, rising 7.6% after the company reported adjusted earnings per share and revenue for the fourth quarter that beat analysts' average estimates. The upper range of the earnings forecast for 2025 also exceeded the analysts' consensus estimate.

Energy was the only loser of the week and fell by 2.9% as a result of a decline in crude oil prices. Shares of Halliburton (HAL) fell 7% as the company's adjusted earnings per share beat analysts' consensus estimates by just one cent, while revenue slightly missed expectations.

Outlook for next week:

The corporate earnings calendar includes AT&T (T), Boeing (BA), Starbucks (SBUX), Microsoft (MSFT), Meta Platforms (META), Tesla (TSLA), International Business Machines (IBM), Apple (AAPL), Visa (V), Mastercard (MA), Caterpillar (CAT), United Parcel Service (UPS), Exxon Mobil (XOM), AbbVie (ABBV) and Chevron (CVX).

Economic data includes December new and pending home sales, Q1 GDP and the December personal consumption expenditures (PCE) price index. In addition, the Federal Open Market Committee of the US Federal Reserve will hold its first meeting in 2025.

Aktien Stammtisch

@Aktien_Stammtisch

1Mês·

Sector performance and weekly review S&P500

$SPY (-1,26%)

S&P 500 posts a weekly gain of 2.9% thanks to easing inflationary pressure and strong bank profits

The Standard & Poor's 500 rose for the first time in three weeks on signs of easing inflationary pressures and strong quarterly results from leading banks.

The benchmark index closed Friday's session up 2.9% at 5,996.66 points, after ending the previous week at 5,827.04 points. All sectors recorded gains, led by the financial and energy sectors, which each rose by 6.1%. The materials sector closed 6% higher.

Official consumer price inflation data released this week showed that core inflation, which excludes volatile food and energy costs, unexpectedly eased in December.

"A relatively benign reading of core consumer inflation on Wednesday coupled with a more moderate producer price index on Tuesday provides welcome relief to a (U.S. Federal Reserve) increasingly concerned about rising cost pressures," Stifel wrote in a note to clients.

Retail sales rose at a slower-than-expected pace last month, while builder confidence unexpectedly rose in January. Housing starts also exceeded market expectations.

Markets expect the Federal Open Market Committee to leave interest rates unchanged later this month, according to the CME FedWatch tool.

The International Monetary Fund raised its growth forecasts for the global and US economies this year, but pointed out that the risks to the medium-term outlook remain mostly negative.

US President-elect Donald Trump is due to take office on Monday.

JPMorgan Chase (JPM), Goldman Sachs (GS), Citigroup (C), Bank of America (BAC) and Morgan Stanley (MS) published quarterly results that exceeded Wall Street's expectations. These results boosted bank stocks and contributed to the financial sector's weekly gain.

The rise in the materials sector was supported by a 12% jump in Celanese (CE) after the stock was upgraded by BofA Securities.

The industrial sector gained 4.8%, thanks in part to a 15% rise in United Rentals (URI). The equipment rental company announced it was acquiring H&E Equipment Services (HEES) in an all-cash deal worth around USD 4.8 billion.

The real estate sector also posted a weekly gain of 4.8%, with lumber REIT Weyerhaeuser (WY) rising 11% after CIBC upgraded the stock.

Utilities gained 4.3% despite a 3.5% drop in Edison International (EIX). The Southern California utility is accused in a lawsuit of starting a fire in Los Angeles with its equipment, according to a Bloomberg report.

The consumer discretionary sector posted a 1.3% weekly gain despite a 5.7% decline in Target (TGT), which maintained its fourth-quarter earnings forecast despite raising its comparable sales forecast.

The health care sector rose 0.3% for the week, thanks in part to an 8.5% gain in DexCom (DXCM), which was upgraded by Baird. Drugmakers Moderna (MRNA) and Eli Lilly (LLY) lowered their full-year revenue forecasts, sending their shares down 19% and 9.3%, respectively.

Major companies reporting results next week include Netflix (NFLX), Johnson & Johnson (JNJ), Charles Schwab (SCHW), Intuitive Surgical (ISRG), American Express (AXP) and Procter & Gamble (PG).

Next week's economic calendar includes Friday's December existing home sales report and the University of Michigan's preliminary consumer confidence index for January. The markets will be closed on Monday in observance of Martin Luther King Jr. Day.

Hugo

@hugosilva77

1Mês·

S&P500 ICT vs NASDAQ100

Hello community, first time writing a comment here so will be short. :)

I started investing June 2024 and I have allocated 50% on stocks and 50% on ETFs.

Apart my foundation$SPY (-1,26%) S&P500 ETF, I am also investing in $IUIT (-2,19%) for an extra growth - and I am getting it. However, for the future, considering the lower amount of companies in $IUIT (-2,19%) - specially with 3 holdings ($AAPL (+0,26%) , $NVDA (-3,63%) and $MSFT (-1,57%) ) with 50% of the ETF - and with expected future anemic growth in $AAPL (+0,26%) , $NVDA (-3,63%) with some expected reduction in the valuation over time and $MSFT (-1,57%) last year below S&P500, should one consider allocate money into a broader Nasdaq100 ETF instead? I am seeing 1Y, 3Y and 5Y past valuations but past valuations aren't future ones :) Thanks for the opinions.