$VOO (+0,95%) increase. $CSPX (+0,72%)
$VUSA (+0,79%)
$SPYL (+0,77%)
$IUSA (+0,73%)

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22🛑 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 (+0,93%) / $VOO (+0,95%) / $CSPX (+0,72%) ) – This ETF tracks the 500 biggest U.S. companies (Apple, Microsoft, Tesla, etc.) and has returned an average of 10% per year over the last few decades.
🌍 Vanguard FTSE All-World ($VWCE (+0,57%) / $VWRL (+0,79%) ) – A global ETF that covers large and mid-sized companies worldwide. Perfect for broad diversification.
💰 iShares MSCI World ETF ($IWDA (+0,64%) ) – A strong alternative to VWCE, investing in developed markets globally.
📈 Dividend ETFs like $VYM (+0,1%) or $SPYD (-0,93%) $ – 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! 📊)
Everyone here is already investing, why else would we be on getquin?
Consorsbank, SaxoBank, Interactive Brokers
Hello Community,
Today I'd like to discuss my somewhat confusing use of various brokers. Maybe one or the other can give me some support here.
Consorsbank
I started investing a few years ago when I was still living in Germany. I used a well-known but rather expensive broker ( #consorsbank ). ETF savings plans are partly free here and I use the $XDWD (+0,63%) (TER 0.19%) as well as the $XMAW (+0,8%) (TER 0.25%). These 2 ETFs are deliberately separated, as the latter is backed by another cash inflow, the increase in value of which I would like to view separately (rent of a paid-off rental apartment).
However, historically, one-off purchases (order costs: 10 Euro + 0.25%) and savings plans (order costs: 1.5%) some individual positions such as $GOOGL (-1,98%) , $MC (+0,33%) , $META (+0,53%) , $SHEL (+1,27%) , $BATS (-0,52%) , $INTC (-0,92%) or $ASML (-0,08%) . So a colorful portfolio without focus (e.g. growth or dividends only, USA only or other).
Current account is required at Consorsbank and therefore not closed, custody account not absolutely necessary.
SaxoBank
I moved to Switzerland almost 4 years ago and initially invested here via DeGiro, but due to the cost reduction I switched to SaxoBank and actually closed DeGiro completely. Order fees of 1$ + 0.08% for American shares. European ones are usually 3 Euro + 0.08%. However, the stamp duty which applies to all brokers in Switzerland (0.075 Swiss stock exchange, 0.15% foreign stock exchange).
ETFs continued to be saved via Consorsbank. Individual shares (apart from a few small savings plans) from now on with SaxoBank. This applies to both new and existing positions ($GOOGL (-1,98%) , $INTC (-0,92%) , $MSFT (+1,32%) , $AMD (+2,72%) , $NESN (-1,74%) or $NOVO B (-0,7%) )
No trading with fractional shares possible! Complete transfer from Consorsbank to SaxoBank therefore not possible!
InteractiveBroker
Via Getquin, as well as via a mentioned Reddit group for Swiss finance, I came across the possibility to invest very cost-efficiently with #ibkr which specifically offers the possibility to invest in American ETFs (e.g. $VT (+0,68%) or $VOO (+0,95%) ), which are not only significantly cheaper (TER 0.07%, or 0.03%), but are also tax-exempt due to a tax treaty between #usa and the #schweiz bring tax advantages.
The order fees are incredibly low (0.0035 USD per share) and, as it is not a Swiss broker, there is no stamp duty! Accordingly, another 0.15% (0.075 for Swiss stock exchange) less compared to SaxoBank! Another strong argument is that I can transfer money free of charge from my German bank #euro as well as from my Swiss bank #chf free of charge. However, I would not like to put everything on one card/broker. I haven't invested in IBKR yet, but I'm wondering how I should best divide up my brokers.
Trading with fractional shares is possible and therefore also a portfolio transfer from Consorsbank.
Quick side info:
My wife has her own account with Consorsbank (before moving to Switzerland) and #degiro her own custody account, which doesn't make it any less complicated.
Summary:
Consorsbank:
ETFs plus shares available, high fees for shares, fractional shares possible, based in Germany
SaxoBank:
Shares available, low fees but stamp duty, no fractions of shares, domiciled in Switzerland
IBKR:
nothing available yet, very low fees, no stamp duty, deposit Euro & CHF possible, American ETFs like $VT (+0,68%) fractional shares possible, domicile in the USA (or UK for Swiss investors).
Questions:
a.) In future ETF, e.g. $VT (+0,68%) with IBKR?
a2.) If yes, liquidate existing ETFs and reinvest in American ETFs?
b.) Transfer portfolio, especially Consorsbank?
b2.) If yes, how to divide between SaxoBank and IBKR? Only IBKR?
c.) Are there major risks with IBKR (based in the USA/UK?)
Investing at the worst times
These are the annualized returns for an investor who bought the day before Covid-19, or just before the Great Financial Crisis in 2007, or at the peak of the Dot Com bubble - not ideal, but not disastrous in hindsight.
The miracle of equities is that, despite your rotten luck, you still end up okay if you allow enough time to pass.

No diversification vs. diversification
My portfolio of one or two stocks vs. the main indices since 2016, which one do you think is better?

Hi everyone!
Everything is going well, USA election meant positive %PL to me and to many of us.
I'll keep this short:
$SOL (+0,07%) went up. And it's even gone better than expected. I was planning to sell once it was higher than 185$. It's around 210$ atm. I'll wait a bit but sell if it gets lower than 185$ again.
As i said i keep diversifying.
$CDE (-2,15%) was one of my latest addition, and it's not performing as expected. Well, Gold seems to be going this direction atm, but i'm faithful.
$VGT (+1,73%) and $VOO (+0,95%) are my latest ETF addition, and are performing good.
I also have $XEON (-0%) and $VWCE (+0,57%) on another platform. Everything is going good.
Another recent addition was $TRX . It's an interesting project. I know i said i would not keep cryptos here, but that was just a very little investment while i keep studying it.
2024 so far on eToro
📈 May 2024: +7.9%
📈 June 2024: +0.5%
📉 July 2024: -0.4%
📈 August 2024: +0.4%
📈 September 2024: +2.4%
📈 October 2024: +0.5%
📈 2024: +6.71% at the moment
My overall 2024, considering all my portofolios and investments is at 📈 +5.2%.
Im building my 2025 plan, I will have some more liquidity to invest, it depends on BCE interest rates
$VOO (+0,95%) Monthly buy + $SCHD Monthly buy (3 shares)
Keeping it up 📈
Does the stock market really care whose in office?👇
Based on historical data, the answer is not really.
Over the long term, the stock market has done well under both Democratic and Republican administrations, per data from The Motley Fool.
From a mean perspective, the S&P 500 $SPX has grown annually at 9.8% under Democratic presidents, outpacing the 6% under Republicans since 1957.
However, looking at median growth rates, the market has seen 10.2% growth under Republicans and 8.9% under Democrats.
While either party could make the case that the stock market performs better during their party, the direct impact of policy remains hard to quantify.
Furthermore, presidential terms are susceptible to unforeseen events like the dot-com bubble, the 2008 financial crisis, and Covid-19, to name a few.
As always, the name of the game is time in the market, not the president’s political party.
The S&P 500’s compounded annual growth rate of 10.26% is a clear testament to that.

Dear fellow investors,
This month I will reach another milestone in my investment journey, breaking 800$ in monthly dividend payments for the very first time. I couldn't be more excited....
Wooohooo 💲💲💲
This is due to receiving payouts for the following assets:
641 x $SCHD
281 x $O (-0,52%)
311 x $JEPI
211 x $JEPQ
179 x $SPLG
89 x $MAIN (-0,6%) (two payouts this month!)
137 x $EFC (+1,33%)
67 x $EPR (+0,68%)
67 x $SPYI
13 x $QQQI
Looking ahead, it seems like September might be my first 1k$ dividend month 🤪🤪🤪.
Fingers crossed 🤞🤞🤞
For those among you who follow my story, know that I just started (again) in Dec 2023 and already had to upgrade my goals to 150k$ invested and average dividends of >500$/month. Both goals are within reach and very likely to be achieved before 2024 comes to an end.
I am very happy with sticking to the plan (DCA-ing into a selected few ETFs and stocks) in hopes for #fire (Financial Independence Retire Early).🔥🔥🔥
I am planning on making some adjustments to the portfolio over the next couple of weeks and months and hopefully later this summer I will share my whole portfolio with more information about my investment strategy as well as the (as of recent) popular Sankey diagram of monthly money flow here on getquin for scrutiny and further constructive feedback. So stay tunes for that.
The list of updated key take-aways are as follows:
1. Select your ETFs and stick with them
- Core:
$SPLG (alternatives are $SPY (+0,93%) and $VOO (+0,95%) ), chosen because of slightly lower expense ratio and lower prices (hope for more inflow), trading volume is not a concern as this was bought for the looooong "buy and hold"
- Dividend 💸:
$SCHD (alternatives are $VIG (+0,38%) and $VYM (+0,1%) ), chosen because seemed undervalued at the time of purchase, great dividend and decent dividend growth
- Growth 📈:
Still not chosen, open to suggestions
I maintain that it will probably be $QQQM (alternatives are $VGT (+1,73%) , $SCHG , $SPGP , $DGRW , $VUG (+1,72%) )
- REITs 🏠:
Not yet chosen, as here I am not even sure any longer if I actually want to invest in REIT ETFs or not just keep my exposure to the few REITS I already own ($O (-0,52%) , $VICI (-0,97%) , $MAIN (-0,6%) , $EPR (+0,68%) , $EPRT (+0,72%) ...)
If I decide to venture into this field, it will probably be $SCHH (alternatives are $XLRE and $VNQ (+0,05%) )
- Misc 🗠:
$O (-0,52%) The Monthly Dividend Stock
$JEPI / $JEPQ for monthly dividends in the covered call space
$SPYI / $QQQI to potentially replace $JEPI and $JEPQ
$VICI (-0,97%) / $MAIN (-0,6%) for additional monthly dividends in the REIT / finance space
I might also entertain the idea of investing in some individual stocks like $AMZN (+0,25%) . $NVDA (+4,72%) , $MSFT (+1,32%) , but that will depend on the constitution of the growth ETF I will buy.
2. Learn 🎓
Educate yourself and don't simply "trust" Youtubers. Read investment books (e.g. 'The Intelligent Investor' by Ben Graham, 'The Little Book Of Common Sense Investing' by John C. Bogle, 'Patient Capital' by Victoria Ivashina and Josh Lerner) and listen to many different voices in the investment arena. Be curious, but cautious... If it says: "100% win rate guaranteed!", it's probably best to stay away from it.
3. Don't try to time the market ⌚️
As one youtuber says: "Time in the market beats timing the market." I am sure we are all guilty of trying to buy at the best price on a particular day/week... If you are in for the long haul, it doesn't matter. DCA (Dollar Cost Averaging) for the win. 🏆
4. ETF over stock picking
Of course you can have huge winners if you pick individual stocks and if you have some insights that allow you to buy before the hype, great, I am very happy for you. Who wouldn't want to have invested in $KO (-0,72%) , $TSLA (+10,24%) , $AMZN (+0,25%) , $GOOG (-1,83%) or $NVDA (+4,72%) in their early days?! But that doesn't happen very often. If you invest in solid ETFs covering a wide array of markets, you will do just fine (especially with a long investment horizon). I have certainly tried to "pick' some stocks that looked promising for their upward potential, but only two have given me solid returns ($NEP and $CFLT (+3,29%) ), whereas so far there are many losers (e.g. $IONQ , $OTLK , $SACH , $EPR (+0,68%) ).
That being said, I am not against holding individual stocks and I am sure that the likes of $NVDA (+4,72%) , $MSFT (+1,32%) , and $AMZN (+0,25%) will continue to deliver amazing returns, but these are also top of the list in weighted S&P500 or Nasdaq ETFs... ($SPLG , $VOO (+0,95%) or $QQQM , $SPGP etc.). Just saying!😉
5. Tailored investing
We are all different and our your time horizon, risk appetite, age, income and other factors most likely vary massively. My life, 47yo, being single without kids, being in a somewhat safe and well-paid job, having paid off properties that generate a decent income stream, wanting to retire in 3-5 years and not needing much is very different to someone who just starts their investment career and/or have a family or are already retired or or or.
Make a plan of what you want the investment to do for you and work towards it. In my case, I want to achieve #fire (Financial Independence Retire Early) as soon as possible, being able to live off dividends entirely. I recon I will need about 50k/ year (lots of safety built in). So building a strong dividend portfolio is my main goal. Sprinkle in some growth opportunities and we have a party. 🥳
Let me know what your goals are and how you plan to achieve those. Also if you have some input on which other ETFs and/or stocks to pick, I am all ears 👂👂.
In the best case scenario I never need the extra money (apart from a home) and I have just more money when I get old.
After calculating what payout I could get, if I kept investing till retirement age and what payout rate I could achieve, I it’s a nobrainer.
Even though I know that I need to up my spending on some point (family etc) and have a lower monthly amount to invest, it’s even more motivation for me to have a kickoff start.
Adding another 20 shares of $SPLG to my portfolio. I just recently started adding this ETF to my portfolio and I see this as a cornerstone of my investment strategy and I am happy to DCA continuously. This latest purchase puts me at only 157 shares, but you gotta start somewhere, right?! Waiting for a dip to further load up on this puppy.
Alternatives to this ETF are mainly $SPY (+0,93%) and $VOO (+0,95%) , but I've chosen $SPLG because of a slightly lower expense ratio and lower prices, which I hope will lead to for more inflow into this ETF. The lower trading volume is not a concern of mine as this was bought for looooong haul.
Happy compounding everyone!