Risk events

YOLO · oil_gas, banks, stocks

What's more impressive performance, big sudden gains, or a long track record of beating the market?

I noticed something recently. When I see people posting about making hundreds of percentage point gains on the normal YOLO-subs, it really doesn't impress me or raise feelings of envy at all, but it probably would have when I was young. If you get sudden gains, it was either based on luck or inside information. I remember Howard Marks roughly stating that over a long period of time, the top performing investors were basically never in the top 5% for any given year. (This may not be the exact mat

⚠ shipping-routes7/9/2026

Podcasts and other educational content- what are peoples top picks?

I wanna get a wide variety of options from authoritative voices. Ideally people with a solid track record of making accurate predictions. I currently listen to prof g markets and Ben Cowen for some crypto analysis. But that’s probably only giving me a fraction of the story. Ultimately I want analysis and predictions over strait up news. Basically what media are people swearing by? Open to any ideas! submitted by /u/mrlebusciut [link] [comments]

· shipping, stocks

· bonds, stocks · germany · europe · uk

The post from Venting earlier shouldn't be missing from this sub

https://www.reddit.com/r/luftablassen/comments/1urm8x6/die_finanzbildung_meiner_mutter_ist_under_9000/ If it's not ragebait. I really didn't know that there were people who voluntarily brought 6-figure sums to the insurance company so that they would pay them back the money they paid in without any return over the next 25 years. To be honest, I didn't even know that this pointless product even existed. Why do people think like that? Is it just a fixation on monthly payments?

VL, ETF · stocks · germany

Is the Fidelity X corporate benefits VL depot still available?

I'm currently looking for the best way to save my employer's capital-forming benefits (€40) in an ETF. As far as I've read in previous posts here, I've only seen 2 sensible options: Open a depot via finvesto Fidelity depot if you have corporate benefits My employer offers corporate benefits, but I don't see any option to open a depot on the employee offers page. I can't find anything on the Fidelity homepage either

· oil_gas, stocks · germany · europe

It's worth buying - that can't be right?

Hey Carbonara disciples, you have to steer me onto the right path again, I must have taken a wrong turn somewhere. I have been investing in the holy grail for several years and until yesterday I was firmly convinced that an apartment/house for personal use was not an investment, but a pure dream hobby. Now my partner and I are unexpectedly looking for a larger apartment earlier and are a bit surprised at the prices. My partner said: "Yes, you can buy it straight away

AG · bonds, stocks · germany · europe

Buy a car or lease another through a company?

I'm currently leasing a car through AG for 0.5% of the list price - all inclusive, just put the car back in the yard and get a new one. Refueling/charging costs a flat rate of €100 per month. All-in ~€500 from the net. Now I'm wondering whether buying would be cheaper. For example, there is a Caddy Maxi Style, 15k down, one year old, 41k. If I invest the money in the all world, the calculated return after taxes would be €200. Refueling would then be more like €100 more than the flat rate. Copilot says depreciation, insurance

⚠ coups-regime7/9/2026

ETF’s VS. individual stocks

Buy VOO and touch grass yes! Totally get it…… DCA is a great investment strategy, but does it really outperform choosing the right stocks year after year? How do I balance my long term and my short term stock picking? At this point, put majority of my money into index’s and choose a couple stocks on the side? Need advice on my portfolio…. Am I gambling still? submitted by /u/EquityEnigma [link] [comments]

ETF, VS, VOO, DCA · oil_gas, currencies, stocks

DRIP, ESPP, MNPI, HR · stocks

Accidentally enrolled in DRIP during company blackout period

I was looking around in my ESPP portal and stupidly clicked to reinvest dividends. I am not c-suite but I have access to MNPI as a designated associate and am subject to blackout periods. Does this need to be reported internally? I am seeing conflicting answers. I work for a large company and am scared of the repercussions because our legal & HR are brutal. It was an honest mistake and I would hate to lose my job or the respect of my team over this. I tried to see if the command can be cancelled

AMA · stocks · germany · europe

Pension Commission-AMA with Dr. Martin Werding! (reminder)

Hi! We're recording tomorrow - like the previous AMA with Stefan Fremdt, there's a reminder post here for all those who didn't notice the first post and would like to ask questions at short notice. Please ask and vote for new questions right here in the post! ---- We are bringing a new guest to our Marktschnatter podcast on a highly relevant topic: Prof. Dr. Martin Werding. Photo via Economic Advisory Council He is a professor of social policy and public finance

VWCE, ETF · bonds, currencies, stocks · europe

What would be the European edition of the three fund portfolio?

I'm aware of the VWCE but what do you recommend as a bond ETF and an international ETF, please? Thank you. submitted by /u/direFace [link] [comments]

ETF · stocks · germany · europe

Building wealth - Assuming you have to start from scratch

Hello, I had an interesting discussion in the office today. A lot was about building wealth and especially the slightly older colleagues talked a lot about what they would recommend to their children (=it feels like everyone is starting a dual course of study in the company or is studying to become a teacher...). Suppose you had to start from scratch straight after your studies. How would you start with what you know today? What would you do differently and why? I would probably invest more in education

MSCI, EM, ETF, FTSE, UCITS, ISIN, IE, BP, QZB · oil_gas, bonds, semiconductors, inflation_rates, stocks · germany · usa · europe

Value factor as a return booster?

Hello everyone, I'm currently reading up on factor investing and would like to get your opinion on a potential strategy expansion. The common mantra here in the forum or as with Finanzfluss/Finanztip is usually: “Keep it simple” via MSCI World + EM or directly as a one-ETF solution via the FTSE All-World. This is absolutely solid as a forecast-free basic investment, but I wonder whether performance is being left behind here. Specifically, I got the iShares Ed

· oil_gas, inflation_rates, stocks · usa · iran

What will happen to the stock market if the iran war drags on for years?

If the war in iran keeps on going on, the price of oil will never go down and prices of everything will skyrocket. Can this drag the stock market into a correction or possibly a crash? We already see how fragile the economy is with very low jobs numbers and the s&p 500 being carried by the ai hype so im concerned this can be the last tipping point that breaks everything. Im not saying we shouldn’t invest but im saying its a big concern not many are speaking of because everytime theres good news

· currencies, stocks · germany · europe

Does the company have a system like this now?

5G Internet on time due to constant outages over 2 months and poor support effective June 30th. quit. Still bill for July? a) I'm not your bank b) why is everyone trying to rip everyone off anymore... I don't have the time to complain about a few euros everywhere - the companies take advantage of that. edit: yes, of course I know that they are refunding it. and yes it's not about much... but why do I have to give them a forced loan? it G

PK · currencies, stocks · germany · europe

Klingbeil does not rule out a VAT increase - why experts see this as a clear signal

"The model is on the table: 22 percent standard tax rate, food tax-free, 30 billion euros in additional revenue. For companies this means: factor in consumer restraint from 2028, rethink pricing strategies, readjust margins." submitted by /u/089PK91 [link] [comments]

IS, XTB, IBRK, ETF · stocks · europe

IS XTB reliable for long term investing?

Is XTB brokerage reliable for long term investing? I mean 15-20 years. I opened for me IBRK but honestly I don't like its structure. It seems to me overcomplicated. I am investing just into one kind of ETF so I don't have high needs towards the offer. submitted by /u/Lilla8 [link] [comments]

FIRE · oil_gas, stocks · germany · europe

What is one year of my life actually worth?

Sorry, this will be a bit long: I, M44, am currently somewhere between Coast and Leanfire. As a result, I'm slowly having to seriously ask myself how much money I actually want to earn. If I just continued working full-time, conservatively I'd be in the Chubby FIRE range by the time I retired, but I don't actually need that much and the work is often quite annoying. [Here is the rough situation, if anyone is interested (otherwise please use this one

· stocks · germany · usa · europe

Bank speaks to me over the phone about my account balance and wants to “advise” me

Hello everyone, I bought a house and am waiting for the payment due notice. That's why I currently have significantly more in my checking account than usual - ready to pay. Now my bank just called me and the lady asked for an appointment to save taxes... Quote "When I look at the account balance... there's something you can do... save taxes..." Is that common? The account has existed for more than 20 years - who knows what I signed back then

SPD, DL, AU · oil_gas, stocks · germany · usa · europe

“We hope for an upturn, we get social cuts” – the left wing of the SPD (Forum DL21) sharply criticizes the government’s new economic and social decisions

Hello everyone, Forum DL21 (the left wing of the SPD) has published a statement on the results of the coalition committee on July 2nd. The criticism of the government's economic and social policy decisions is quite drastic. Accordingly, business associations and the Union used the economic problems as a pretext for a “class struggle from above”. Here is an overview of the most relevant points of criticism: Labor market & employee rights: Criticize sharply

GKV · stocks · germany · usa · europe

In the future, health insurance companies will no longer have to provide information about cost increases

A change in the GKV reform, which is to be decided on Friday, stipulates that the health insurance companies' obligation to inform their members should no longer apply if they increase additional contributions. Let me put it this way: This law was originally intended to stabilize contributions. And that's why you're now making provisional measures so that people don't notice if it doesn't work? They probably want to avoid the collective outcry on December 31, 2026. submitted by /u/alanathe

⚠ coups-regime7/8/2026

Pre-FOMC Minutes Market Snapshot: VIX Spikes, Precious Metals Hold Strong, DXY Pauses. What are you pricing in?

Hey guys, Just wanted to do a quick pre-FOMC minutes market check. Multi-asset setup is looking pretty interesting ahead of the release today. Here is where things stand right now: Gold (XAU): 4,119.29 (+0.45%) - strong defense here, showing some good relative strength. Silver (XAG): 60.55 (+1.14%) - outperforming gold today. Brent Crude: 76.48 (+1.53%) - catching a bid despite the broader deflation worries. DXY: 101.03 (-0.08%) - completely flat, waiting for direction. VIX: 16.14 (+3.73%)

FOMC, VIX, DXY, XAU, XAG · oil_gas, commodities, bonds, defense, inflation_rates, stocks · usa

Texas Stock Exchange live in Dallas. Y'all Street takes on Wall Street

https://finance.yahoo.com/markets/stocks/articles/texas-stock-exchange-live-dallas-163127390.html Five tickers to be traded. I guess it’s a start. Anyone know any histories of other exchanges that opened recently (not necessarily US) and how they started and if they only opened with 5 tickers? Is this normal? submitted by /u/warrends [link] [comments]

US · stocks · usa

AGB, PRIME, EIX · currencies, stocks · germany · usa · europe

Scalable: New terms and conditions

New terms and conditions Trade cheaply: Best execution in the broker on the European Investor Exchange – fees remain unchanged at €0 with PRIME+ from an order volume of €250, otherwise €0.99. More choice: Over 1.8 million derivatives from seven issuers. Xetra now for €1.99 and without any trading venue fees. These new conditions also apply to gettex from September 1st, 2026. I don't really know what to think about it. Trading at Gettex then costs €1.99. That's quite a downgrade, especially because of the spread

⚠ coups-regime7/7/2026

Huge dividend and huge losses

What's going on when a company pays ridiculous dividends yet the stock is plummeting. Case in point, gmex. Shows over 3000% dividend yet the stock is $2.32 from a high around $295,000 Another less crazy example is icahn. 27.5% dividend but its down 87% over 5 years. These stocks looks like the company is going belly up but the dividend looks like there's money to be made. Ive been watching icahn for a couple years and its always paid a great dividend. submitted by /u/MrT_LV [link] [comments]

LV · stocks · usa

HDI, DM · oil_gas, bonds, stocks · germany · usa · europe

Unit-linked life insurance HDI buyback?

Hello everyone, I hope I can get some help here and shed some light on my situation. When I was born, before the turn of the millennium, my parents took out unit-linked life insurance for me. This old contract is currently with HDI Leben. Since the beginning, €25 (initially in DM) has been paid into the insurance every month. After several months of correspondence, many hours on hold and countless emails

ETF · oil_gas, stocks · germany · europe

How can I give my mother €2000 per month with as few taxes as possible?

First of all: I have an appointment with a tax advisor in 2 weeks, but I wanted to do some research beforehand and ask you, dear financial experts. Context: I earn quite well (currently around €15K net per month) and it also looks like my job is pretty secure. I have fixed costs of around €4K per month and I invest the rest in ETFs or treat myself to something for my hobbies. Now I would like to give my mother (58) €2K every month so that she no longer has to work. She is currently

DBX, AN, ETF · stocks · germany · europe

Where should the coal go?

About a year ago I liquidated my portfolio because I was planning to buy a house and of course I've been pissed ever since. Buying a house is dragging on because we can't find anything suitable. So there are 700k in the DBX0AN and I regularly throw up what would have happened if I had left the ETF portion in the ETF (although I am happy about the not insignificant portion of Bitcoins that go with it). Since the house purchase is still planned (but will certainly take another 6-36 months) and I eh

VTV, MU, AI · stocks · usa

besides myself, is anyone else concerned that micron is now considered a value play?

VTV's largest holding is now micron, MU - all because one of it's heaviest factors is the Forward Price-to-Earnings (Forward P/E) ratio. Over the last year, Micron's stock price skyrocketed due to the massive demand for its AI-linked high-bandwidth memory chips. Normally, a massive price spike pushes a stock straight into the "Growth" category. However, Wall Street analysts (realized a cheat code) increased Micron's projected future earnings even faster than the stock price rose. Because its exp

Question about portfolio transfer

Meddl Loide, I initiated a portfolio transfer to Trade Republic at Scalable Capital a week ago. Since then I have seen the status in the picture. Do I have to do something or just wait? VG submitted by /u/praxidike74 [link] [comments]

VG · stocks · germany

What’s the best broker for daytrading?

im trying to figure out what works best for me, tried a few but none were really comfortable and didnt stick with me. looking forward to hearing your experiences and your suggestions thank you guys<3 (No financial advice needed, just curious about your platform software, UI and execution speed). submitted by /u/corjoca [link] [comments]

UI · stocks

SBER · stocks · germany · europe · australia

Bank won't charge off loan, what can I do?

Hello financial friends, I have a problem with an old loan of mine. Please no judgment. When I was 20 years old I thought I needed a consumer loan to furnish an apartment lol. It's stupid, it was a youthful sin and I have to pay for it now, that's just the way it is. However, the following problem is currently occurring. The loan was taken out through the “SBER” bank. This is a Russian bank and it has probably transferred its business in Germany to the “Cliq” bank. I now have vo

AI is useful, but who actually captures the profit?

A lot of AI discussions seem to mix two different questions together. One question is whether AI is useful. I think the answer is clearly yes in some areas: coding, document work, customer support, data analysis, medical imaging, internal workflows, etc. But the investment question feels harder: who actually captures the long-term profit from that usefulness? Is it the chip companies, cloud providers, software companies, power/infrastructure players, or the normal businesses that use AI to cut c

AI · stocks

What’s the next high risk-high reward investment?

A few years back, I remember reading that ~5% of your investment portfolio should be in something that’s high risk-high reward, so that if it doesn’t pay out, no big deal since it’s only 5%, but could be meaningful if it does pay off. It seemed like bitcoin was that for a long time. I know it’s down 40% for last 12 months.. but even if it recovers, it doesn’t seem like it’d have a run like previous ones. If not bitcoin, what’s that next investment? submitted by /u/Tiny-Tumbleweed-4432 [link] [co

· stocks · usa

· stocks · germany · usa · europe

Planning a wedding, trying to get the perfect mix of “castle wedding” and “small animal breeding club” without ruining myself financially

Hello everyone, I've been reading here for a while and thought I'd ask about my experiences because I'm currently in the middle of wedding planning and, to be honest, I'm a little overwhelmed. I also wanted to know what's normal and what's not. Briefly about me: I (34) have built up a solid cushion over the last few years through fairly consistent saving and investing (approx. 100k). Now the wedding is coming. And somehow I feel like I mentally vacillate between: Wi

ETF, MSCI · oil_gas, stocks · germany · usa · europe

Advance flat rate ETFs (MSCI World)

Hello everyone, I'm currently in the process of preparing my tax return and have a question about the advance flat rate. How is the advance flat rate calculated if an ETF is only purchased or saved during the year, i.e. there was no inventory at the beginning of the year? In this case, can an advance flat rate be charged for the year in question, and if so, how is the basic income determined? Thank you in advance for your help! submitted by /u/Lost_Editor1863 [link] [comments]

US · commodities, bonds, stocks · china

Retiring in 4 years: how would you diversify a highly concentrated US portfolio?

Hello folks, I’d like to hear general views on long-term portfolio construction for someone approaching retirement in about 4 years. Quick background: Current net worth: around €700k Current allocation: roughly 95% US large-cap equities, 5% crypto I keep investing monthly, around €7k per month I do not plan to sell my current holdings I am only using new contributions to gradually diversify What I’m trying to understand: How do people think about reducing concentration risk in a portfolio that i

How you are all preserving capital?

I feel like the stock market is overvalued right now, and the risk/reward isn't there for me personally. Most companies are experimenting with and overspending on AI without any clear ROI yet. The same logic applies to chip and memory stocks, prices are up only because of huge demand driven by data center buildouts and hyperscalers competing with each other, but the moment any one of them slows down capex, those order books get canceled fast, and the premiums they're charging will vanish. I feel

AI, ROI · stocks · usa

OP · stocks · germany · europe · uk

Buy the cheapest product from the luxury brand, experiences?

I know that this sub is rather economical, but I still wondered if there are people here who have treated themselves to the cheapest product from a high-end luxury brand. Porsche Boxter or Rolex OP immediately come to mind. My question is whether you were happy with the purchase. Was it a significant upgrade to the previous product, how was it received in the environment and would you have preferred to treat yourself to “the right one”, i.e. the 911, Daydate, etc. And why did it not?

⚠ coups-regime7/6/2026

The hurricane rebuild trade doesn't exist at season open. I tested whether it lives after actual landfalls instead. My most significant result died under robustness checks, which turned out to be the interesting part.

a couple weeks ago I tested the classic "buy Home Depot and Lowe's before hurricane season" trade: event study around June 1 season open, 16 years of data. result: the trade loses, roughly -2 to -3% vs the market, and the drift starts about 8 days before the season even opens. posted it to r/stocks post and the pushback was fair: June 1 is a calendar story, not an event. the real test is actual landfalls, with severity and geography separated. so I built it. setup: 23 US mainland hurricane landf

US, NOAA · currencies, stocks · usa

SPD, ARD · currencies, stocks · germany · usa · europe

Cabinet approves draft budget for 2027

'The budget for 2027 has been approved by the Federal Cabinet. Next year's budget calls for spending of 555.4 billion euros and new debt of 118.7 billion euros - both more than initially planned. Finance Minister Lars Klingbeil (SPD) defended the higher debt: "You can't defend yourself against Putin with a black zero," said the SPD leader on Sunday evening in the ARD "summer interview." SPIEGEL already reported on the budget on Friday

AG · stocks · germany · usa

Bagholder instead of “fairholder”? - Who should invest in the LemonAid share?

Hello everyone, I've been spammed with advertisements for the "LemonAid share" on Instagram for some time now. They advertise that people should please become “fairholders”. However, I personally think that one would be more of a bagholder after looking at the securities prospectus since the company made a loss of over 200k in 2024. So a net margin of −0.8%. I find the structure of the issue even more critical: it is not a capital increase. So the money doesn't flow

ING, JX · stocks · germany · usa · europe

Automatic reinvestment ING

Hello everyone, I have a depot at ING and save the A1JX52 there. On July 3rd The distribution for the 2nd quarter was credited to my clearing account. I left the amount there for now because I wasn't sure whether I wanted to add the amount to the next savings plan or use it for other purposes. My savings plan should always be executed on the first of the month. Now today the distribution was automatically reinvested in the A1JX52. I know that it is at

EUR, USDT, CSV · stocks · germany · usa · europe

How do you determine the purchase price in EUR for crypto purchases via USDT?

Hello everyone, how do you actually find out the correct purchase price for crypto if you only have CSV files from the exchange? I often exchanged EUR to USDT and then used USDT to buy various coins. In some cases there were several purchases, sales and reallocations. Now it's not entirely clear to me how I should calculate the real purchase price in EUR per coin. Do you do this manually, with a tax tool or through a tax advisor? Above all, I'm interested in how you get along

Update: A year later, the initial €10,000 has become almost €30,000

Hello! I first posted here about a year ago after reaching the €10,000 mark as an international master's student. At the time, I had absolutely no experience with investing and was pretty unsure if I was doing everything right. Previous Post A year later I just wanted to give a quick update. My total assets are now just under €40,000; Of this, around €10,000 is in the checking account as an emergency fund. I keep concentrating ha

· stocks · germany

DE, ETF · currencies, stocks · germany · europe

Broker with automatic selling and buying again?

I hope the title makes some sense. Is there a broker (in DE) that offers such a feature? The exemption amount is currently 1k euros. If there is anything left over at the end of the year, why will some of my ETFs/stock be automatically sold and repurchased? submitted by /u/acakaacaka [link] [comments]

· stocks · germany · usa · europe

For which items do you generally choose used goods so as not to burn money?

When it comes to major investments such as real estate and cars, it is very common to buy used goods. How do you feel about furniture, clothing and electronics? Does it always have to be a new laptop or does it also work with refurbished goods? Do you buy clothes new at full price, on sale or do you ever visit a second-hand shop? And are you more of an Ikea visitor or do you get your furniture from a social department store? submitted by /u/tehn6 [link] [comments]