Click a cell to view returns · 1Y avg P/E editable · sparkline = 1Y daily close
Borrowing Rates REAL ESTATE · CONSUMER CREDIT
United States manual / FRED
30Y Mortgage RateFRED: MORTGAGE30US · weekly
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Credit-card APR avg.Manual · all-account assessed
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60-mo new auto loanManual · % APR avg.
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Eurozone manual / ECB
House loan rateManual · ECB MFI new business
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Consumer-credit rateManual · ECB MFI new business
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Vehicle-loan rate (DE)Manual · % APR retail avg.
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US Stress Indicators FRED · LIVE
Labor & Credit feed
Sahm RuleFRED: SAHMREALTIME
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Initial ClaimsFRED: ICSA · weekly
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HY Credit SpreadFRED: BAMLH0A0HYM2
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NFCIFRED: NFCI · Chicago Fed
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Inflation & Valuation feed
CPI Y/YFRED: CPIAUCSL · computed
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5Y Breakeven InflationFRED: T5YIE
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S&P 500 P/EManual · trailing 12M
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Mkt Cap / M2Manual · Buffett indicator %
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Composition by market value, EUR book.loading…
Book P/L
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unrealised
Professional Dilettante
Things I am currently working on completing.
Building Bandwidth
Bettering yourself step by step
Exam prep, piano, languages, finance and real estate. Visit Bandwidth →
Presenting a personal hub
Supplying economic data and personal professional information
Live data from Yahoo, FRED, Hyperliquid, Stooq.
Preparing for motorbike License A
European Class A · unrestricted
Any displacement.
Studying for the DGfM exam
DGfM-certified mushroom expert
Certified to identify foraged mushrooms for safe consumption under German food law.
Looking into German hunters' license
German hunting license
Required to pursue recreational or professional hunting in Germany.
Caring for my vegetable garden
Unwinding and experimenting
Tending different vegetables and planting calendars to wind down and experiment.
Languages
Portuguese
Native
Mother tongue.
German
Native
Mother tongue.
view certificate
English
Cambridge CPE · C2
Certificate of Proficiency in English from Cambridge University — the highest level in the Common European Framework of Reference.
Japanese · 日本語
Kyushu Daigaku · B2
Upper-intermediate certification from Kyushu University (九州大学) following a year of on-campus study in Fukuoka.
French
Elementary · university coursework
Conversational basics; studied at university level.
Spanish
Elementary
Conversational basics.
Vita
Alongside a full teaching workload, I have been an active participant in global equity and cryptocurrency markets since 2017 — running a concentrated, self-directed book and spending much of my off-time on structured research across monetary policy, market microstructure and on-chain data. Away from the screen I read widely in fiction and non-fiction, listen to music across every decade, train several times a week, tend a small vegetable garden, and am enjoying a reinvigorated love for the outdoors.
Markets & independent research
2017 – present
Self-directed investor · equities & digital assets
Personal book
Concentrated, long-biased portfolio across US/EU equities, ETFs, precious metals and digital assets. Daily research across monetary policy, earnings, on-chain data and derivatives flow.
Professional experience
Sept 2023 – present
Teacher
Bavarian State Government · FOS/BOS
English, Economics and Political Science. Gymnasium first, now at a Berufliche Oberschule (FOS/BOS).
Feb 2021 – Aug 2023
Translator & subtitler
TV1 GmbH · self-employed
German subtitles for live and archival Deutscher Bundestag sessions; film and TV subtitling for clients including Netflix and Sony.
Educational background
Oct 2016 – Sept 2022
English & Economics
Ludwig-Maximilians-Universität München
Teacher-training programme, Referendariat at a Gymnasium; full year abroad at Kyushu University (九州大学), Fukuoka.
