saves me the rebalancing

Depot without cash

This is my dashboard in the program, which can be customized by each user. The columns and widgets can be arranged as desired. Time periods can be set individually for each widget, etc.+

His administration should tell him he'd be better off buying or taking over Greece; it's warmer there, and it sounds similar in German too.

Grönland — Griechenland

This "premium" nonsense only refers to the mobile version. You need the desktop version for your operating system, which is completely free. If you then store your portfolio in the cloud, you can access it with the mobile version. That's nice, but not necessary. I only use the desktop vers...

Yes, it's freeware. A few clever IT specialists put their heads together and built this fantastic tool. It's completely open source. There's even a Portuguese menu if you need it. The initial setup takes a little effort, finding data sources for the securities, but there's a very knowledgeable Engli...

What about: https://www.portfolio-performance.info

Itˋs Not barbestan, that Sounds Like babarian

Barbestand is the correct German Word

After switching from savings plans to bandwidth, no further transactions were made apart from the monthly savings rate of €1,000. The bandwidth was not affected. Bildschirmfoto 2025-12-30 um 10.12.13.png internal rate of return 2025 = 10.84% overall = 11.19% True Time-Weighted Rate of Return (kumula...

I've registered that. But I spend my money in euros. I wouldn't buy long-term bonds or cash holdings in USD. I'm also adding currency risk to my portfolio in addition to interest rate risk. So, not an option for me. Global Stocks and gold offer sufficient risk.

In Euro or USD?

I'm European. The risk or opportunity associated with the US dollar is more than adequately contained in Global Stocks. Over 70% is in North America. I don't need more. The price of gold is also traded in dollars. Gold price increases are currently only muted for euro investors. So why take more risk?

It's simply a matter of costs. The broker charges me a 1.5% savings plan fee for gold. A manual order costs half that. I'm also not willing to continue buying at any price, given the exorbitantly rising gold price. I buy every month, only to adjust things again in a few months through rebalancing. I...

No, that is no Option

Ok, you got. me

It´s 15/35

Okay, that's a misunderstanding.
I'm still depositing €1,000 into the account. So the volume is still growing. I'm just no longer buying all asset classes every month, but only when the 15/40 range is hit. Then there's a rebalancing to 4 x 25.

The portfolio has reached the €40,000 mark. The savings plans have been suspended since November. From now on, buying and selling will only occur when the ranges are met.
It feels like gold is currently forming a flagpole.

Maybe later. The portfolio is so small that the last sale was only 20 grams of gold. In the future, there will definitely be a Phliharmonic or a Maple. It won't be long until then. The next step is to reach ten thousand euros per share and end the savings plan. From then on, only place orders when t...

My Answers in red Quick question though — could you share more details on the cost structure of your new funds? Specifically: 💸 What are the annual fees and transaction costs? I Pay 0.2% each year for the Account Value 1. Vanguard Global Stock Index Fund – EUR Acc (VANGEIS) https://www.de.vanguard/...

I've made some changes to the securities. The goal is to reduce fees. I completely sold the MSCI World ETF (ELFW) and the Deutsche Boerse EUROGOV Germany 10+ (EL4V). The new funds are index funds from Vanguard (not listed on the stock exchange). - Global Stock Index Fund - EUR Acc (VANGEIS) - 20+ Ye...