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...

My choice for long-term bonds is an ETF on the EUROGOV® Germany 10+. The average remaining term is currently 18.9 years. The ISIN is DE000ETFL219. This year, too, despite all the uncertainty caused by politics and the decline of the US dollar for European investors in the eurozone, the portfolio is ...

dualstow wrote: ↑Sun Jun 15, 2025 6:54 pm Has anyone seen Department Q on Netflix?

So great.

Yes, it was a 2 Evening Journey. Waiting for the next Season

Smith1776 wrote: ↑Sat May 24, 2025 3:44 pm - 30% bonds

What Kind of Bonds do you aim?

I've been investing €1,000 a month in the PP since January 1, 2023. So far, none of the four components has reached the 15/35 range. Gold was close to it once in April, but never reached it. If the range is reached, I could sell gold tax-free, as the holding period of more than one year was met. How...

Not yet, Gold is 30,4%
LT Bonds 20,5%

frugal wrote: ↑Thu Feb 27, 2025 5:06 pm Do you think it is possible to achieve to zero profit int the long term?

I hope you mean zero tax. I don't think that always works. There will not always be shares in the portfolio that are in the red.

Call it Tax Harvesting, if you Need another claim for it.

This could work if you find out beforehand what amount you need for the offsetting. Then you sell the position that is in the red in the amount required to generate losses of a sufficient amount. Then you sell the position with the profit and the tax result is zero. Assuming you have a position that...

When CEU is the Bloomberg Ticker, then it is this ETF: AMUNDI INDEX MSCI EUROPE ESG BROAD CTB UCITS ETF DR - EUR (C) Compare this Fund with a normal Europa ETF https://www.fondsweb.com/de/vergleichen/ansicht/isins/LU1681042609,LU0389811885 Someone from Amundi chose the Index "MSCI Europe ESG Br...

frugal wrote: ↑Sat Feb 22, 2025 9:11 am Hi G ,

What do you mean with not clear the CÉU?

Money means what ? At home ?

Regards

I translated the CEU, is this the correct ETF? If yes, it‘s a mess.

Money means, Euro in a Bank Account

Hi GRINCH, where are you from? :-) Germany a) I have EU-PP with CEU for stocks Amundi MSCI Europe ESG Broad CTB UCITS ETF DR EUR C esg is horror for me. no clear definition of the criteria I am not sure I should have ETFs of short term bonds. I think I should have deposits in bank with more profit f...

frugal wrote: ↑Sat Feb 08, 2025 12:34 am I am 100% on
European permanent portfolio
And wondering if I should add USA HB-PP
There is a Spanish guy with multiple PP from Europe and UK and US and more …
Let me know your thoughts
Hug

What is your part for Stocks?

The easiest way to buy for me