I also used the first day of trading to slim down my portfolio and move away from $XDN0 (+0,49%) and $JYL6J5 (+1,95%) . These were initial investments that I am no longer convinced by, as they are too expensive and overlap with other ETFs. The proceeds from the sale were invested directly in the $TDIV (-0,05%) and the shares there were increased by 80.

Dear Getquiner

2026 is already starting with some news and headlines going around the world - both positive and negative.

My year starts with lumbago... man, that shit hurts...

Well, that's not the issue.

I would just like to ask about your outlook for 2026 - how do you see it (crystal ball)?

I'm very curious to see whether the precious metal rally will continue and whether we'll see more pumps.

In addition, this year, after buying property, I will be focusing very strongly on the $TDIV (-0,05%) as this ETF is simply top in my opinion.

The main aim is also to increase my savings rate to 25% so that my portfolio can grow again.

So I can say: I'm trying to rebuild my portfolio calmly and with a "boring" ETF, with equally steady small acquisitions of $GOLD (+6,48%) & $SSLN (+6,37%) .

Nobody knows how 2026 will develop - but it doesn't matter to me, as the big picture (40-50 years, God willing) is my time horizon.

What will you buy in 2026?

What are you looking forward to in 2026?

~ The collector

2025 I shared our freedom roadmap with stocks, ETFs, savings plans & real estate here. 📈🏡

Over the Christmas period, I deliberately took time to think and reflect on what is really possible at the moment - and what is not. 🤔

With two small children 👶👶 and an upcoming parental leave 🍼, it became very clear to me:

👉 My previous strategy cannot be continued in a sustainable way.

🔙 Looking back: Focus on dividends since 2022 💸

Since 2022, I have consistently focused my investment strategy on dividends. 🌱💰

The aim was to achieve a steadily growing cash flow through many high-quality individual shares - in a long-term, structured and disciplined manner. 📊

This strategy taught me a lot and worked well. ✅

But: strategies have to fit the phase of life - and this is exactly where something has changed for me. 🔄

⏳ Time is currently my scarcest commodity

The large number of individual stocks was exciting 🤓📊, but:

- they require regular analysis 🔍

- continuous maintenance 🛠️

- and permanently tie up mental capacity 🧠

I currently want to consciously dedicate this time to my family.❤️👨‍👩‍👧‍👦

In addition, I don't think it makes sense to save a large number of individual shares "blindly" via a savings plan without being able to give each position the attention it actually deserves.⚠️

🔄 Consequence: radical simplification ✂️

At the beginning of the year, I therefore sold more or less all individual shares,

except for five remaining positions 📉➡️📊

I am shifting the amounts that have been freed up into the

Vanguard FTSE All-World ($VWCE (+1,04%)) 🌍📈 in tranches.

➡️ Yes, perhaps boring 😴

➡️ But:

- maximum diversification 🌍

- Strong risk/return profile 💪

- Minimum time required ⏱️

And that's exactly what suits my current phase of life 👌

📊💰 New savings plan structure

My current monthly savings installments are now as follows:

- 1,000 € in $VWCE (+1,04%) 🌍

- 200 € still in $BTC (-2,15%) ₿🚀

I deliberately use the €600 from the former individual share savings plans to build up liquidity so that I can take targeted action in temporarily weak market phases 📉. 🛒💥

📅📈 First tranche already invested

The changeover is not just theory, it has already started 💪

On 02.01.26, I invested the first tranche in the $VWCE (+1,04%) 🌍 invested the first tranche:

👉 516 shares at €145.50 each

Further tranches will follow 📆➡️📊 - calm, structured and stress-free 😌

💸 Staying in dividends - but efficiently 🌱

I'm not giving up my dividend strategy completely ❌,

but will continue to pursue it for the time being via the $TDIV (-0,05%).💰

The change in the composition in December 2025 in particular led to the inclusion of some very interesting dividend companies, which makes the ETF still attractive for me at the moment. 👍

🏡💎 Other strategies remain unchanged

Important: Everything else remains unchanged:

- Wife & children 👩‍👩‍👧‍👦: Savings plans and ETFs continue

- Real estate 🏠: We are in the process of adding another property to the portfolio

- Crypto ₿: $BTC (-2,15%) -Savings plan continues as before

So only my personal individual share strategy is changing, everything else remains stable.✅

🔮 What happens next?

I'm deliberately leaving it open as to whether I will focus more on individual stocks again at some point 🤷‍♂️

If I do, then only

- with sufficient time ⏳

- with significantly fewer positions 🎯

- and with clear conviction 💡

For me, the current situation is very clear:

Simple ✅ | Robust 🛡️ | Family-compatible 👨‍👩‍👧‍👦

beats complex ❌ and time-consuming ⏱️

👉Have you already had to adapt your strategy to new phases of life? And if so, how exactly?

I have a question, we are expecting a son and I would like to save one or two ETFs for him.

I have 2 questions.

Should I open an extra custody account for him?

as my wife saves the ftse all world whether there is a similar ETF but not the same one. Or do you say do nothing save it 2 times.

And if I open an extra custody account for him, I would like to save an ETF that pays out dividends.

$TDIV (-0,05%) I'm saving this one and it's doing well, do you know any others that are performing well? And can you recommend?

Since a lot has happened here in the last year, be it from @Tenbagger2024 or @Multibagger etc., I would like to give my ideas a little more fullness and become more active again.

2 years ago I introduced the company $NVLH (+10,05%) where I am still actively buying. The plans for the first reduction are to take place at the beginning of 2028, i.e. it will still take some time before the first positive sales. During this time, however, I will keep buying more. My average purchase price is currently €0.16 and is currently the only share in my trading portfolio. As soon as $UAA (+2,51%) becomes technically more interesting again, it may also be a company for my trade portfolio.

My portfolio is currently divided into 4 parts.

Growth portfolio with $SOFI (-7,62%) and $ZETA (+0,25%) ,

Trade-Depot: $NVLH (+10,05%)

Precious metals: $965515 (+1,37%) and $965310 (+6,46%)

Small change deposit: $TDIV (-0,05%) (everything that is spent in cash and comes back in small change is put into the ETF from €250+ without exception).

You can find more information about Nevada Lithium in my profile.

You can find an introduction to the company here. https://app.getquin.com/de/post/PsKSiDnzoA

And now to the actual article...

$NVLH (+10,05%) is pleased to announce the commencement of several individual projects at its 100% owned Bonnie Claire Lithium Project (" Project " or " Bonnie Claire ") in Nye County, Nevada. This winter work program is designed to investigate specific issues that have arisen from the Project's 2025 Preliminary Economic Assessment (" PEA ") and to further evaluate the potential for the extraction of additional critical minerals at Bonnie Claire.

Nevada Lithium's CEO, Stephen Rentschler, commented as follows:

We are pleased to report that a multi-faceted work program is underway. We anticipate that the individual projects will quickly provide valuable technical information with potential positive economic impact. In particular, the potential to extract additional critical minerals offers a promising opportunity to enhance the value of Bonnie Claire through additional revenue streams beyond lithium and boron.

The Company considers third-party due diligence to be an important milestone in minimizing risk associated with the hydraulic well mining method selected for Bonnie Claire. This project has the potential to significantly and positively impact the completion of the preliminary study.

A better understanding of the extremely high-grade lithium and boron deposits at Bonnie Claire was also a priority for our technical team. The identification of the lithium residence is expected to provide further information that will allow for even more precise targeted exploration of the highest grade lithium and boron mineralization layers at Bonnie Claire. This knowledge has the potential to positively impact economics through increasingly selective mining and increase future deposit size through improved exploration strategies.

Highlights

• Investigation of cesium and rubidium recovery from the current flowsheet
• Technical due diligence of the hydraulic borehole hoisting method ("HBHM")
• Petrological analysis of claystone samples to determine lithium retention

The Company has commenced implementation of a number of recommendations from its Preliminary Economic Assessment (PEA) to lay the foundation for a larger work program in 2026. The 2026 work program is designed to advance the project towards a Pre-Feasibility Study.

Caesium and rubidium recovery

In its press release dated September 17, 2025, the Company announced that significant cesium (Cs) and rubidium (Rb) mineralization has been identified at Bonnie Claire. Initial test work indicated that these elements had passed through the lithium/boron leach stages of the project's PEA flowsheet and were present in the enriched leach solution (" PLS ").

The Company is pleased to announce that it has engaged Kemetco Research Inc. (" Kemetco ") of Richmond, British Columbia to conduct a feasibility study to evaluate the recovery potential of cesium (Cs) and rubidium (Rb) from the Project. Previous work confirmed the presence of significant Cs and Rb mineralization and demonstrated that both elements penetrate the PLS layer according to the current flowsheet.

The metallurgical program includes characterization of a composite sample, confirmatory leach tests to quantify cesium and rubidium extraction, and preliminary ion exchange and adsorbent screening to evaluate recovery potential. The goal of this work is to determine if cesium and rubidium can be effectively recovered along with lithium and to generate initial data that can support future process optimization and economic evaluations.

Technical due diligence of HBHM

The Company's Preliminary Economic Assessment (PEA) is based on a mine plan that identifies HBHM as the preferred method for recovering high-grade lithium and boron mineral material at Bonnie Claire. Although HBHM has been used in various projects for many years, it is a relatively new extraction method in this environment. Therefore, the company wishes to obtain independent validation of this mining method from experts in the field. This due diligence will provide feedback on the methods, assumptions and results of the PEA.

The Company has engaged a global engineering firm to conduct a technical due diligence review of the proposed HBHM mining method to confirm its suitability for the extraction of mineralized materials at Bonnie Claire. To this end, the firm will conduct a mine design review to determine if the equipment and infrastructure required to extract the mineralized layer using HBHM is adequately considered.

The global engineering firm will also review the characterization of the mechanical behavior of the rock, with a focus on the anticipated geotechnical conditions within the mineralized lens. This review will focus on evaluating the applicability of the HBHM method to the Bonnie Claire geology.

Lithium Residence

The Company's 2025 Preliminary Economic Assessment (PEA) identified several opportunities for lithium storage at Bonnie Claire, including:

• Li substitution in the octahedral layer of fine-grained K-mica (e.g. muscovite-illite series)
• Li in swelling clay layers from illite-smectite intercalations
• Possible Li uptake through ion exchange or structural substitution in analcime
• Lithium can occur as lithium salt (e.g. LiCl, Li2SO4).

The 2025 Preliminary Economic Assessment (PEA) is preliminary and includes Inferred Mineral Resources that are considered too speculative geologically to be categorized as Mineral Reserves. There is no certainty that the results of the PEA will materialize.

To investigate these possibilities, the Company has entered into a research agreement with the Department of Geosciences ("DiSTAR") of the University of Naples Federico II in Naples, Italy.

The proposed research project aims to better understand the distribution of lithium in clay minerals at the Bonnie Claire deposit. Initial analyses include X-ray diffraction analysis ( XRD ) of the whole rock to determine the mineralogy of the samples. Scanning electron microscopy with energy dispersive X-ray spectroscopy (SEM-EDS) will be used on thin sections and resin-embedded blocks to examine ore textures and perform microchemical analyses of the clays in situ.

The selected clay-rich samples will be subjected to separation of the fine-grained fraction and subjected to specialized XRD analysis and high-resolution whole rock geochemistry to determine the lithium clay mineralogy and concentrations of lithium and other key elements (Rb and Cs).

It is hoped that the results from the Lithium Resident Project will be available in time to be incorporated into a technical analysis to be prepared by the Prospectors and Developers Association of Canada (" PDAC ") for presentation. Dr. Jeff Wilson, PhD, FGC, P.Geo, Vice President Exploration at Nevada Lithium, will present the project "The Bonnie Claire Volcano-Sedimentary Lithium Boron Deposit" as part of the "Exploration Insights" session at the 2026 PDAC Conference in Toronto, Ontario.

About Nevada Lithium Resources Inc.

Nevada Lithium Resources Inc. is a mineral exploration and development company focused on creating value for shareholders through its core asset, the Bonnie Claire Lithium Project in Nye County, Nevada, in which it holds a 100% interest.

The Company recently completed a Preliminary Economic Assessment (" PEA ") for the Bonnie Claire project. The PEA has an effective date of March 31, 2025 and shows an after-tax net present value of $6.829 billion at an 8% discount rate. This value is based on a lithium carbonate price of USD 24,000 per tonne, a boric acid price of USD 950 per tonne and an after-tax internal rate of return of 32.3%. The results of the PEA were published in the Company's press release dated August 6, 2025.

Happy New Year first of all. 🎊

Having achieved most of my goals in 2025, I would now like to set myself ambitious goals for 2026.

I would like to use the same categories as in 2025.

My current portfolio value is €148,421.85, as shown below.

After a very eventful year in 2025, I can focus entirely on maximizing my savings rate this year, as there are no important changes in my personal or professional life.

The most important thing for me will be to reach the portfolio value of €200,000, which is quite ambitious given my starting value and my deposits, and assuming that the market plays along properly.

Despite my ambitions, it is again very important to me to achieve a balance between a patronizing life and a decent savings rate. To this end, I have set my savings rate so that I still have some fun money left over each month (approx. €1,000) and that I will receive a special payment of €7,000 in November, which I could theoretically invest in full in addition to my normal savings rate.

The dividends from my $VWRL (+0,83%) and $TDIV (-0,05%) will be half reinvested and half consumed.

As last year, another goal will be to add one or more risk/return drivers and I expect myself to have more courage to increase these in bad phases. To this end, the plan is to be a little more active in the return drivers and to take a little more risk alongside my main investments - the target for this would be around 10% of the portfolio.

Goals 2026:

Portfolio value: > €200,000 = main goal

Investments in the amount of: €35,000

Dividends: > € 3,000

Yield driver: add 1 or more - maximum 10% of the portfolio

Travel: travel to 3 new countries - Japan is already booked for May , tbd, tbd

I wish you a great and successful new year. Despite all your ambitions, don't forget about life and enjoy it as much as I enjoy this app and the process of building wealth.

Cheers 2026 🥂

I just want to use the first day of the year to set out my financial cornerstones for 2026. In a way, it's a little public self-talk so that I don't lose focus and have a guideline to follow throughout the year.

Initial situation: Due to my professional background, I have always been very real estate-oriented in my investments. This was no different in 2025, with over 90% of my assets being real estate and less than 10% "other" - including my regular securities portfolio. In principle, I feel quite comfortable with an overweighting in "stones", but I would like to shift the ratio slightly in order to have a larger proportion of assets that can be liquidated quickly. It is also desirable to have less exposure due to possible additional government regulations in the area of tenancy and real estate law (energy-related renovation obligations, rent regulations, etc.).

My portfolio is clearly geared towards distributions, as I am already over 50 years old and no longer fully employed. So I need something I can live from. My portfolio therefore mainly contains 'boring dividend stocks and ETFs'. It would be nice to generate an average of 2tsd euros net per month in dividends by the end of 2026.

Measure 1: A small apartment is for sale - the notary appointment is in the second week of January. Proceeds after deduction of brokerage and transaction costs approx. 200tsd, which will flow directly into the portfolio. I will sell my existing positions $TDIV (-0,05%) and $WINC (+0,82%) as well as my individual shares $BATS (-2,12%) , $RIO (+2,7%) and $PETR4 (+0,57%) increase them.

Measure 2: Sale of a small building plot - it is not yet possible to predict when this will be completed, as the plot is somewhat special. However, I think a sale in 2026 is realistic - proceeds approx. 160,000 euros. I would like to use the money to add a few more individual shares to the portfolio. Depending on how the prices have gone by then, I'm thinking of $PZU (+0,28%) , $PFE (+1,4%) and $CA (-0,53%). Maybe I will also $JEGP (+0,64%) further.

Measure 3: In February/March I will probably get my money back, which I spent on various building materials for a joint project. About 12tsd Euro. This will also go into the depot. There may also be the first returns from my first house subdivision project. But how much will come out of it is speculation, and the money will be returned at GmbH level, so that doesn't "count" for the time being.

Measure 4: This is the biggest board. I don't know yet whether it will work - at the moment I give it a realistic 25-50% chance of being implemented. I would like to take over a package of three houses with two business partners. We have a provisional commitment from the seller, but we have to manage to arrange financing. We need around EUR 3.5 million from the bank, so it won't be easy, especially as we only have until the end of February and the houses have a significant commercial component, which is generally viewed negatively by banks. If anything comes of it, I'll report back. It would be my last big deal in this area. We would split up and sell two houses and keep the third.

(Image generated with Lovart.ai, modified in Photoshop)

The target was 50 K for 2025.

Just missed it. Ok, I could have bought something again yesterday, but then I'd be pushing myself a bit.

Why was the target missed?

quite simple......

• The orange harvest in April was not very good.
• $BTC has weakened a little. Although not much has actually happened. We are almost at the same level as exactly one year ago.
• Sale of 50% of gold ($SGBS (+1,46%) ) to achieve an admixture of 5% in the portfolio. In hindsight, not very clever. The proceeds were reallocated to the $TDIV (-0,05%) were reallocated. The profit was tax-free. At least something.
• All in all, still OK for me. Especially as I had to completely reorganize myself at the end of 2023 after a divorce.

Outlook for 2026

- Savings rates remain the same.

- Sale of a property due to divorce in 2026. Proceeds less remaining debt will be divided equally.

That's it for now.

With this in mind, have a happy new year, celebrate properly but not too hard.

Carsten

See you next year. :-)

Today, on the last day of 2025, I started another updated rewind to really have the whole year with me. Thanks for the hint in a comment the other day, by the way, I had actually overlooked the button.

It's really not that much compared to other rewinds here, but I'm still happy, because even with this increase you can afford a lot in real life. And there are still 45% that were even worse, but I've hardly seen any of them here.

As far as dividends are concerned, four more payments are due today. Problem: they're all with scalable and I don't think they'll make it in time, based on previous experience with scalable. But it doesn't matter, I still keep a separate Excel list in which I stubbornly enter the payments when they actually come and also in the amount in which they come, i.e. net.

I actually received €13,642.17 afterwards. That's a little more than get Quinn shows, even with the outstanding payments. But that is clear anyway, because get Quinn does not take the partial exemption into account for ETFs.

Strangely enough, the dividend section in get Quinn also shows something different than the dividend section in rewind. You don't have to understand that either.

Basically, I am not on a designated dividend strategy. I also have the popular $TDIV (-0,05%) and some Cc ETFs, but that doesn't make up 10% of the portfolio.

Apart from that, I only used liberation day to switch some previously accumulating ETFs to distributions without paying taxes on the capital gains, which were gone. 😵‍💫

The additional cash flow supplements my salary a little. So I don't reinvest the dividends, in fact I hardly pay anything into my portfolio anyway. Now that I'm over 50, I'm taking it a little easier and prefer to treat myself to something from time to time.

I believe that my portfolio should serve me and not the other way around.

Let's see if the portfolio manages to reach the million mark before I retire, largely without any help from me.

Now I wish everyone a happy new year and a successful and, above all, healthy 2026.🗯🎆🧨