Markets are noisy, media is sensational, and most investors react rather than reason. Ratiovestment exists to provide structure — cutting through the noise with data-driven regime analysis and honest, independent views.
| 2022 | -24% | |
| 2023 | +90% | |
| 2024 | +70% | |
| 2025 | +50% | |
| CAGR | 44% |
⚠️ Past performance is not indicative of future results. Returns are personal investment results and do not constitute financial advice.
With core PCE still above target and unemployment ticking higher, the Federal Reserve faces a genuine dilemma — and markets are pricing in conflicting outcomes.
Valuation discounts, improving earnings momentum, and a weakening dollar make the case for rotating into European stocks stronger than it has been in years.
From ETF Sparpläne to tax-efficient accounts — a no-nonsense guide to growing wealth within the German financial system, whatever your income level.
| Asset | Price | 1M Change | View | Thesis |
|---|---|---|---|---|
S&P 500 SPX · USA |
5,243 | -4.2% | Neutral | Elevated valuations offset by strong earnings. Waiting for better entry. |
DAX GER40 · Germany |
18,720 | +1.8% | Bullish | Cheaper valuations, ECB cuts, and fiscal stimulus support upside. |
Gold XAU/USD |
$3,190 | +6.4% | Bullish | Central bank buying + geopolitical uncertainty = structural tailwind. |
EUR/USD FX · Euro |
1.0821 | +1.1% | Neutral | ECB/Fed divergence caps upside. Range-bound near-term. |
Bitcoin BTC/USD |
$84,210 | -9.3% | Cautious | Risk-off macro environment and liquidity concerns weigh short-term. |
US 10Y Treasury UST · Bonds |
4.47% | +18bps | Bearish | Sticky inflation and deficit concerns keep yields elevated. |
⚠️ Personal views only. Not financial advice. Always do your own research.
I'm Bernd — a private investor based in Germany. I created Ratiovestment to share independent analysis on global markets, macroeconomic trends, and personal finance. The name says it all: rational thinking applied to investment decisions.
My approach is simple: use data, apply rational frameworks, and cut through the media noise. I believe most people can make significantly better financial decisions — they just need clear, structured information rather than sensationalist headlines or conflicted advice from financial institutions.
Everything here is written with one goal: to help you understand the current market regime and make more informed decisions about your money.