Saturday, April 11, 2026 RATIOVESTMENT · Independent Financial Analysis ratiovestment.com
S&P 5005,243.16▲ +0.82%
|
NASDAQ18,387▲ +1.14%
|
DAX18,720▼ -0.23%
|
EUR/USD1.0821▼ -0.15%
|
Gold$3,190▲ +0.55%
|
Bitcoin$84,210▲ +2.30%
|
10Y UST4.47%▼ -4bps
|
Oil WTI$61.20▼ -1.10%
|
S&P 5005,243.16▲ +0.82%
|
NASDAQ18,387▲ +1.14%
|
DAX18,720▼ -0.23%
|
EUR/USD1.0821▼ -0.15%
|
Gold$3,190▲ +0.55%
|
Bitcoin$84,210▲ +2.30%
|
10Y UST4.47%▼ -4bps
|
Oil WTI$61.20▼ -1.10%
Lead Analysis

Navigating Financial Chaos: A Framework for the Rational Investor

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.

Track Record — Annual Returns
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.

Live Market Regime
Current State of the Market
Cautious Risk-On
Momentum remains positive, but valuations are stretched and macro headwinds are building. Selective positioning is warranted. Not the time for blind aggression.
Last updated: April 11, 2026
Trend
Bullish
Price above 200MA
Momentum
Fading
RSI divergence
Volatility
Elevated
VIX 18–22 range
Credit
Stable
Spreads contained
Macro
Headwinds
Rates + inflation

Latest Analysis

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With core PCE still above target and unemployment ticking higher, the Federal Reserve faces a genuine dilemma — and markets are pricing in conflicting outcomes.

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Stock Analysis

Why European Equities Are Finally Worth a Serious Look

Valuation discounts, improving earnings momentum, and a weakening dollar make the case for rotating into European stocks stronger than it has been in years.

April 8, 2026 Read →
Personal Finance

Building Wealth on a Regular Salary: A German Investor's Practical Guide

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April 5, 2026 Read →

Current Market Views

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.

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👤
Bernd Eilers
Independent Investor · Germany

CAGR Since 2022
44%
Best Year
+90% (2023)
Focus
Global Equities & Macro
About Ratiovestment

Independent Thinking on Markets & Money

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.

Value Investing Macro Analysis ETF Investing German Market Regime-Based Investing Fundamental Analysis FRED & Finviz Data