InvestOS

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Total portfolio value

€0

Add holdings to begin

Monthly income

€0

dividends + yield

Next deploy

Jan 2027

€100k ready

Goal: €6,000,000

0%

€0 of €6M

Gap: €6,000,000
L3 + L4 must deliver

L1 Foundation (target 30%)0%

L2 Income (target 20%)0%

L3 Growth/Quantum (target 25%)0%

L4A Bold plays (target 15%)0%

L4B Extreme (€500/mo cap)0%

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Pipeline

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Worst 4%

Base 8%

Best 12%

Monthly now

€0

from current yield

Annual now

€0

before tax

Income milestones

Now

€0/mo

After Phase 1 (€26k)

—

After Phase 2 (€100k)

—

Age 55 — year 10

—

real (inflation adj.)

Age 65 — year 20

—

real · after tax

Capital intact at 65 — portfolio value

Nominal

—

Inflation adjusted (2.5% p.a.)

—

After German tax (26.375%)

—

Target L2 income assets

SCHD — dividend ETF3.5% yield

JEPI — covered call ETF7-9% monthly

Realty Income (O)5.5% monthly

JEPQ — Nasdaq calls9-11% higher risk

Auto-trigger rules

Any holding drops 20%+red flag

Layer drifts 10%+ from targetrebalance

L4B position hits +200%mandatory exit

Crypto within 3mo of tax-freehold alert

Deployment date approachingdeploy reminder

€1,000 tax allowance statusannual check

Goal engine

Target at age 65€6,000,000

Current value€0

Gap remaining€6,000,000

Required blended return~14%

Monthly contribution€1,500

Capital deployment

Phase 1 — Now

L1 ETFs + L2 income + L3 quantum

€26,000

Phase 2 — Jan 2027

Scale all layers, expand income

€100,000

Phase 3 — 2029

Rebalance + growth acceleration

€50,000

Monthly ongoing

DCA across all layers

€1,500

3 scenarios at age 65

Worst case (4%)

€680k nominal

€415k real · €325k after tax · €1,900/mo

Base case (8%)

€1.5M nominal

€920k real · €680k after tax · €4,200/mo

Best case (12%+)

€3.1M+

€6M needs L3+L4 to fire · €11k/mo real

Tax optimizer — Germany

Capital gains rate26.375%

Annual free allowance€1,000

PYTH loss harvest-€418

XRP loss harvest-€208

Methodology in use

L1 — Index DCA + MOAT valueactive

L2 — Dividend yield compoundingactive

L3 — Momentum + trend followingbuilding

L4A — Breakout + RSI + VWAPready

L4B — Social + on-chain signalsmax €500/mo

13F institutional trackingpipeline

You bring the idea. I run the full check — institutions, volume, RSI, news, on-chain. You get a clear yes, no, or wait.

All

L3 holds

L4A bold

L4B extreme

Sources checked on every deal

Goldman · JPMorgan · MS 13F hedge fund filings SEC insider buying Volume + VWAP RSI divergence On-chain whale data Google Trends Reddit / X sentiment Bloomberg · Reuters Earnings calendar