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  "_title" => "Devel Load (with references)"
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          Dieses wikifolio soll ein Multi‑Asset‑Ansatz mit langfristigem Anlagehorizont abbilden. Im Kern soll ein Buy‑and‑Hold‑Ansatz als Core gefahren werden, die mit ruhiger Hand, Geduld und Disziplin verfolgt werden soll. Mindestens zwei Drittel des Gesamtbestandes sollen als Core vorgesehen sein — „Nicht alle Eier in einen Korb legen.“ „Hin und Her macht die Taschen leer.“  Positionierungen können in allen Assetklassen erfolgen (Aktien, Anleihe-Produkte, Fonds, ETFs, Produkte auf Edelmetalle bzw. Rohstoffe, Immobilien über Aktien/ETFs, Anlagezertifikate) und sollen weltweit gestreut werden.\r\n
          \r\n
          Ein Cashbestand (Cash + Geldmarkt‑ETFs, z.\u{202F}B. Overnight) soll zur Flexibilität bei Opportunitäten bereitstehen und, falls erforderlich, für Hedging‑Maßnahmen (auch Hebelprodukte) genutzt werden können — „Im Einkauf liegt der Gewinn.“ Special Situations und gezieltes Hedging können als Satelliten mit kurz‑ bis mittelfristiger Haltedauer gefahren werden; Hebelprodukte sollen dabei maximal ca. 5–10\u{202F}% des wikifolios ausmachen — „Wenn es Suppe regnet, muss man den Löffel raushalten.“\r\n
          \r\n
          Positionierung und Gewichtung sollen auf einer umfassenden Analyse beruhen: fundamentale Kennzahlen (KGV, Cashflow, Buchwert, Dividende, Verschuldungsgrad, Umsatzwachstum, Margen, Ankeraktionäre, Bonität, Burggraben), chart‑ und markttechnische Indikatoren (200‑Tage‑Linie, Divergenzen RSI/MACD, Elliott‑Wellen), Sentiment‑Signale (z.\u{202F}B. „overcrowded trades“), Bewertung (z.\u{202F}B. Shiller‑KGV) sowie das makroökonomische Umfeld (Zinsniveau, Zinsstrukturkurve, Realzinsen, Verschuldung, Margin Debt, Geopolitik, Wissenschaft, Demografie, Kreditzyklen) sollen in die Positionierung einfließen. „Kaufe nicht billig, sondern günstig.“\r\n
          \r\n
          Ziel soll eine langfristige Rendite deutlich über Inflation sein; dies setzt die Akzeptanz von Wertschwankungen — auch heftigen — voraus. Dividenden, Zinsen und Ausschüttungen sollen in der Regel reinvestiert oder im Cashbestand geparkt werden, damit sich langfristig der Zinseszinseffekt entfalten kann — „Die größten Gewinne werden mit dem Hintern gemacht.“\r\n
          \r\n
          Dividenden werden nur berücksichtigt, wenn diese auch im wikifolio anfallen.\r\n
          """
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