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Hier finden Sie eine detaillierte Beschreibung meiner Anlagestrategie. Warum ich welche Aktien kaufe und Infos zum Risikomanagement. Trade idea This quantitative strategy is based purely on the evaluation of data and is therefore 100% rule-based. Emotions, news or opinions play no role. The investment decision is based on fundamental key figures such as the price-earnings ratio (P/E) or price-cash flow ratio (KCV), as well as on technical indicators such as trends and momentum. The portfolio is actively managed. For investors, this means no further activities after the purchase. A buy-and-hold strategy is recommended. It is a portfolio with a short to medium term holding period of several months. At least 20 different stocks are included in the portfolio for good diversification. The investment strategy has a very good return with a usual risk level for a stock portfolio. The strategy has also performed well in stress tests (crashes) thanks to several implemented crash hedges. This could lead to all equities being sold in uncertain times and the cash position increasing to up to 100%. The exit from the market is intended to protect the capital until the markets start to rise again. Short trades may also occur during crashes. ETFs can be used for hedging. The investment universe is global a nd generally includes all products except leveraged products, with a focus on equities. The investment focus will probably be the USA, but this may vary dep ending on the market situation. 10% of the profits shall be invested in renewable energies in order to create a sustainable capital investment. Risk management The portfolio is diversified by holding at least 20 shares. Individual positions start with a maximum weighting of 5% and may reach a maximum weighting of 15%. Drawdowns are actively limited from -30 %. This means that I either exit the market or start to hedge.

Alpha Asset ist ein Aktienfonds, welcher 31% Rendite pro Jahr erzielt hat. 10% der Gewinne sollen in regenerative Energien investiert werden, wodurch eine nachhaltige Kapitalanlage geschaffen werden soll. Mehr dazu auf www.alphaassetcapital.com Investing in equities with the AlphaStars wikifolio The most important facts: Invested capital €5.5 million previous return 288% ⌀ Annual return 68% wikifolio is the reputable social trading platform for private clients. You can invest from around €400. First things first: You do not transfer any money to wikifolio or me. Neither wikifolio nor I have access to your money. Your investment is safely stored in your broker account at all times. You are welcome to create a free wikifolio account. It only takes 1 minute. Then you can add my wikifolio to your watchlist. You will then receive regular updates in your feed. Here is a 2 minute video about wikifolio, for those who don't know it yet. Top wikifolio 2024 My wikifolio AlphaStars made it to 3rd place among the top wikifolios in 2024. Performance was assessed taking volatility and popularity among investors into account. go to article Backtests 1980 - 2020 31% Return p.a. >3000 Trades -35% Maximum Draw Down The strategy at a glance about me My name ist Michael Bichlmeier and I am a portfolio manager Certified Financial Engineer (CFE) Certified Financial Modeler (CFM) Master in Finance 2025 (MBA) Certificates Comparison AlphaStars vs. ETFs wikifolio AlphaStars at a glance: - high return - solid risk management - full transparency How does a wikifolio work? As a portfolio manager, I buy and sell shares in the portfolio. You buy this portfolio and thus have the same return as I do. I am invested in this portfolio myself. You do not transfer any money to wikifolio or me. Neither wikifolio nor I have access to your money. Your investment is safely stored in your broker account at all times. FAQ wikiflio https://help.wikifolio.com/ Broker broker comparison To buy a wikifolio, you need one of the following brokers: 1822direkt comdirect Consorsbank flatex Fidelity GBE brokers HMP Brokers justTRADE Postbank Smartbroker Targobank Traders Place XTB Here is a short article about my wikifolio Zum Artikel Interview Hier geht es zu meinem ausführlichem Interview mit Gian Hessami Interview

Invest First things first: You buy a certificate via your broker on the stock exchange. You do not transfer any money to wikifolio or me. Neither wikifolio nor I have access to your money. Your investment is safely stored in your broker account at all times. To see all the details, you need a free account with wikifolio. This only takes 1 minute. All you need is an e-mail address and a password. You do not need a wikifolio account to buy the certificate. These two links are affiliate links. If you want to do me a favor, use one of the two links and create a free account within 1 hour. I'll get 7€ for it and invest it in advertising. Thank you very much for your support! Click here for my wikifolio Feel free to add my wikifolio to your watchlist. Click here to register for free of wikifolio You can buy the wikifolio certificate via the following brokers: 1822direkt comdirect Consorsbank flatex Fidelity GBE brokers HMP Brokers justTRADE Postbank Smartbroker Targobank Traders Place XTB

A N B O C P D Q E R F S G T H U I V J W K X L Y M Z A A Alpha Anchoring Bias B B Beta Benchmark Behavioral Finance C C CAGR Confirmation Bias D D Diversifikation E E ETF F F Fundamentalanalyse G G Growth Investing H H Hedging Home Bias I I Inflation J J Junk Bond K K KGV L L Liquidität Loss Aversion M M Momentum N N Nasdaq O O Order Overconfidence Bias P P Portfolio Q Q Quantitative Analyse R R Rendite S S Sharpe Ratio T T Trading U U Underperformance V V Volatilität W W Wertpapier X X Xetra Y Y Yield Z Z Zins

Dear investors, my name is Michael Bichlmeier, I was born in Munich in 1986. I have programmed a quantitative strategy that has generated a 31% return per year in backtests from 1980 to 2021. I have successfully completed a number of finance courses at different universities and can call myself a CERTIFIED FINANCIAL ENGINEER (CFE) and CERTIFIED FINANCIAL MODELER (CFM). I have a Master in Business Administration (MBA) degree in Applied Quantitative Finance. I have been privately involved with the stock markets since 2012, as I wanted to invest my money wisely myself. So I started reading books, including "Intelligent Investing" by Benjamin Graham. He was a professor at Columbia University and is considered the father of fundamental securities analysis. Warren Buffett was one of his students. But I can also recommend "One step ahead of the stock market" by Peter Lynch. He was the very successful fund manager of the Fidelity Magellan Fund for 13 years. Why should you invest in my wikifolio? 1. i have done extensive backtests from 1980 to 2020. I can therefore say with certainty that the investment strategy has worked extremely well during this period. 2. academic education. I therefore know the risks and do not take too many risks. 3. high return. 4. high risk/return ratio. 5. high Sharpe & Sortino ratio. 6. low performance fee. 7. I am currently invested with approx. 30,000 € myself. Portfoliomanager Michael Bichlmeier info@alphaassetcapital.com

31% Rendite pro Jahr ist das Ergebnis der Backtests back testing 31% annual return since 1980 The investment strategy has been extensively backtested from 1980 to 2020. During this period, the starting capital has increased from €1 million to €20 billion. For a private investor, an investment of €10,000 would have increased to €20 million. The strategy is based purely on the evaluation of data and is therefore 100% rule-based. Emotions, news or opinions don't matter. It is a pure stock portfolio with a medium-term holding period of several months. The investment strategy has a very good performance with a normal risk for a stock portfolio. The strategy also performed well in stress tests (crashes) thanks to several implemented crash safeguards. This can lead to the shares being sold in uncertain times (crashes) and a cash position of up to 100% being achieved. Exiting the market is intended to protect capital until prices start to rise again on the markets. The same amount is invested in each share to minimize risk. The investment universe generally includes all stocks except penny stocks. The investment focus is worldwide and varies depending on the market situation.

Regelbasiertes Investieren Investiere mit System, nicht mit Bauchgefühl AlphaStars kombiniert Fundamentale Analyse mit Technischer Analyse - transparent, nachvollziehbar, performant. Zum wikifolio Strategie ansehen 2. PERFORMANCE AUF EINEN BLICK Rendite p.a. +44% seit Auflage Max. Drawdown -34% historisch Laufzeit 4 Jahre Trackrecord 3. DIE STRATEGIE (KURZ & KLAR) Regelbasiert - keine Emotionen, keine Bauchentscheidungen Behavioral Finance als Kern der Analyse Backtests bestätigen die Strategie seit 1980 Vollständige Transparenz über alle Trades 4. ÜBER MICH Michael Bichlmeier Portfoliomanager MBA in Finance Certified Financial Modeler (CFM) Certified Financial Engineer (CFE) 5. RATGEBER - AKTUELLE ARTIKEL Home Bias Warum wir heimische Aktien bevorzugen – und was uns das kostet Anchoring Bias Warum der erste Preis alles entscheidet Loss Aversion Warum Verluste mehr weh tun als Gewinne Freude bereiten 6. Bereit zu investieren? Überzeug dich selbst - alle Trades sind öffentlich einsehbar Zum wikifolio AlphaStars

Portfolio Update Daily Update 11.03.2026 (Stand 20:03 Uhr) Das Portfolio AlphaStars ist heute um +2,0% gestiegen. Die 3 Top Gewinner waren: Ciena +7,1% Lumentum Holdings +6,5% Micron Technology +5,0% Daily Update 10.03.2026 (Stand 20:03 Uhr) Das Portfolio AlphaStars ist heute um +2,0% gestiegen. Die 3 Top Gewinner waren: Ciena +7,1% Lumentum Holdings +6,5% Micron Technology +5,0%

Investor guide On this page, I would like to explain to you how you can best build up assets privately and give you tips on how to put this into practice. The short version Here you can see a compact overview of how I would invest the capital depending on your risk appetite. A more detailed description follows below. Low risk 25% of the capital in a private MSCI World ETF savings plan 25% of the capital in a pension policy that also invests in the MSCI World ETF 50% of the capital in AlphaStars Medium risk 25% of the capital in a private MSCI World ETF savings plan 25% of the capital in a pension policy that also invests in the MSCI World ETF 25% of the capital in AlphaStars 25% of the capital in AlphaCryptos Higher risk 50% of the capital in AlphaStars 50% of the capital in AlphaCryptos Hint Risk here refers to the extent to which your portfolio will fluctuate. This does not mean the risk of default, i.e. total loss. As a portfolio manager, I actively prevent this, so don't worry. If you invest €10,000, for example, it can go down by -30% in a crash. Of course, I try to minimise drawdowns as much as possible, but they cannot be avoided. So you have to ‘endure’ psychologically losing €3,000 in between until prices rise again afterwards. Many people overestimate their pain threshold and then get out at -20%, for example, in order to keep the remaining 80% of their capital safe. This is one of the biggest investment mistakes that private investors make! They are guaranteed to destroy capital. So don't make this mistake. Incidentally, the spread on wikifolios is quite high at around 2%. They are therefore not at all suitable for short-term trading. In addition, every sale incurs approx. 26% tax + solidarity surcharge. I therefore strongly recommend holding your wikifolio for the long term (buy and hold). Amount of the investment How much capital do I need to invest to close my pension gap? The rule of thumb is a maximum of 20% of net salary. This rule of thumb refers to the average return of the MSCI World ETF of 9%. As my returns in AlphaStars and AlphaCryptos are significantly higher, you could apply a flat rate of 10% of net salary. You should only ever invest capital that you: 1) you already have (current account, call money) 2) that you will not need for the next few years to pay bills Rebalancing Should I regularly rebalance my portfolio every 12 months, e.g. to restore the original 50%/50% distribution of capital? I strongly advise against it! After all, you have to pay approx. 26% withholding tax + solidarity surcharge on your profits every time you sell. This would mean that you can only reinvest a smaller amount. There are also costs of approx. 2% spread. Therefore, my tip is: Just leave the capital in the respective assets (ETFs or wikifolios) as it is. MSCI World ETF - Bond Policy (insurance) Should I still take out an annuity policy with an insurance company when I am over 50? No. The products have a term of > 30 years and incur costs that you will not recoup due to the tax benefits. Should I take out an annuity policy for my child under the age of 30? That would be a pretty smart move! The younger the child, the more time the capital has to earn interest. Time is your best friend here and the compound interest effect comes into its own. Advantages 1. downstream taxation 2. tax advantages 3. tax grandfathering 4. disciplining effect 5. tax payment can be structured Disadvantages 1. higher costs 2. earliest possible retirement at 62 3. can only be taken out via an adviser 4. no special assets (ensure the highest possible solvency ratio) Please do not take out an annuity policy prematurely. If you decide to do so and then cancel after 5 years, you will definitely make a loss! The insurance company recoups the costs of the product in the first few years through fees. The term of these products should be >30 years. MSCI World ETF - private savings plan Should I still invest in the MSCI World ETF when I'm over 50? You can do that, but you shouldn't expect too much. You simply don't have enough time to build up your assets. I therefore recommend AlphaStars (equities) and, if you can take more risk, AlphaCryptos (cryptocurrencies). Should I invest privately in the MSCI World ETF for my child, who is younger than 30? That would also be a smart idea! The younger the child, the more time the capital has to earn interest - time is your best friend here and the compound interest effect comes into its own. What should I look out for when selecting the MSCI World ETF? 1. physically replicating (full or sampling) 2. accumulating (profits are reinvested) 3. currency hedged in EUR 4. lowest possible total expense ratio (TER), e.g. 0.2% Example: IE000QMIHY81 Returns What returns per year can I expect? MSCI World ETF 9% (historical return over the last 40 years) AlphaStars 31% (backtests 1980 to 2020) AlphaCryptos >100% (backtests 2017 to 2023) Broker comparison Which broker should I use? There is an overview of this from wikifolio: https://www.wikifolio.com/de/de/l/mh/brokervergleich Should I choose a neo-broker because they are particularly favourable? I advise against it, even if they seem cheaper at first glance. These are often fintech start-ups that don't survive 10 years on the market. So it's better to pay around €4 for buying and selling, as is the case with Comdirect, for example. In return, you also get more stock exchange trading centres to choose from, such as Xetra. It is always best to buy your assets (ETFs or wikifolios) during trading hours between 9.00 a.m. and 5.30 p.m., when the spreads are lower. Riester- & Rürup-Pension The short version: Just ignore the fact that these junk products exist on the market. You should not conclude such a contract!

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