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Twenty equities, an AI-led core and three speculative satellites. The opportunities for 2027–2028, the historical gains and the losses required to pursue them.
12 min readAnalyze your portfolio, compare contributions, replay crises and prepare a review with your own approval.
8 min readFrom goals and risk limits to asset allocation, costs and review rules. A practical guide with sources and a worked loss example.
5 min readInvesting with a written mandate
Start with the Investment Policy Statement. Six chapters connect the written plan with cooling-off, behavior, intervention costs and ETF look-through.
View allThe Investment Policy Statement, translated for the self-directed investor: a set of rules you write yourself, to bind today's calm mind to tomorrow's stressed one.
7 min readWhy a short, pre-set waiting period lets the hot impulse cool and gives calm reflection back the room that arousal takes from it.
7 min readThe most expensive line item in a portfolio is rarely the market, but the distance between the return of a strategy and what the investor actually keeps from it through their own timing.
7 min readFor most investors, trading less beats trading a lot, because activity feels productive but as a rule it costs return.
5 min readWhy frequent reshuffling costs return, and what a calm portfolio preserves.
2 min readMSCI World and S&P 500: why shared holdings, weighted overlap and portfolio exposure answer different questions.
4 min readBy topic
Analyze your portfolio, compare contributions, replay crises and prepare a review with your own approval.
8 min readFrom goals and risk limits to asset allocation, costs and review rules. A practical guide with sources and a worked loss example.
5 min readOne portfolio, four ways to rebalance and a clear reason for the choice. Start with what your next contribution can achieve.
5 min readBasiszins, calculation and practical tips on the Vorabpauschale for accumulating ETFs.
5 min readHow to make the most of your EUR 1,000 allowance across several custody accounts.
4 min readUsually the bank settles the tax. The Anlage KAP is for the years in which it could not know everything.
4 min readWork out your personal provision need realistically
9 min readThe foundation of every solid financial strategy
7 min readSaving systematically toward a home purchase
9 min readStep by step to a securities account for your child
10 min readMake your child's investment income tax-free up to the allowance
7 min readGive tax-free every 10 years: how to do it right
9 min readSee taxes, dividends and allocation for your whole portfolio in one place.