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Latest Analyses(7)

Buying a Commercial Espresso Machine: New Products from Host Milano
Kaffeemacher|18. Juli

Buying a Commercial Espresso Machine: New Products from Host Milano

Overview

At Host Milano, Andrea from Kaffeemacherinnen explores new commercial espresso machines and automatic milk frothing systems. The video provides compact insights from various manufacturers.

Automatic Milk Frothers
  • Beyond (formerly Übermilch): The One Series for milk and plant-based options; Fastshot heats pre-brewed espresso in 3 seconds; fully automatic portafilter machine with integrated grinder and milk frother.
  • Dalla Corte Icon Steam Maistro: Three programmable buttons for foam level and temperature; result: fine-pored, creamy milk foam.
  • Latte Art Factory: Fully automatic system for up to two different milk types (also cold); can even prepare Espresso Martini; two chambers for different liquids.
  • Chimber Group M200: Turbo Steam HQM Technology – no steam contact with milk, only heating; temperature sensor stops automatically; combined dosing and frothing.
  • Nuova Simonelli Aurelia: New milk frother with autopurge (self-cleaning); temperature setting and various textures.
Smart Connectivity & Automation
  • Nuova Simonelli Aurelia: Bluetooth connection to grinder; ID code in portafilter recognizes recipe; machine automatically adjusts grind setting if extraction time deviates.
  • Weng G (Chinese manufacturer): Models with integrated scale (brew-by-weight); grind-by-weight grinder with digital micron adjustment and automatic purge; gear pump for flow profiling.
  • Akel (balanced commercial machine): Four boilers (one coffee and one steam boiler per group); manual flow profiling via lever.
  • Victoria Arduino Maveric Core: Gravimetric technology (scales in drip tray); Pure Brew for filter-coffee-like drinks.
  • Tempesta by Victoria Arduino: Manual flow rate control – live adjustments during extraction; 0.2°C temperature stability; ideal for roasteries and competitions.
Other Innovations
  • Fracino: Gas-powered espresso machines – perfect for events without electricity.
  • PES (prototypes): Brush – group head cleaning brush with blind filter; Navigator – distributor/declumper with delay for hands-free operation; Presse Gen 6 Pro – stronger motor, two pressure profiles at the touch of a button.
  • Shopmaster (Eversys): Fully automatic machine that grinds, tamps, extracts and froths milk; barista becomes a coffee sommelier; also available as a counter version with front access to bean hoppers.
Critical Note

Andrea criticizes that many exhibitors at the trade fair do not use cleaning cloths – portafilters processed wet and dirty. There is room for improvement here.

Conclusion

The trends at Host Milano clearly point to automatic milk frothing systems, smart connectivity between machine and grinder (self-adjusting grind settings), and manual flow profiles for more experimentation in gastronomy.

What happens in the worst case with your MSCI World ETF?
Finanzfluss|23. Aug.

What happens in the worst case with your MSCI World ETF?

Introduction
  • This video examines the worst-case scenarios for your MSCI World ETF, showing that in most historical cases, investors' money was not permanently lost.
1. Insolvency of the ETF Provider (Issuer)
  • Segregated assets (Sondervermögen): The fund's assets are kept separate from the issuer's. In case of bankruptcy, your money remains protected.
  • Example Lehman Brothers: The fund management company was sold; investors lost nothing. Losses occurred only with certificates (debt securities).
  • Important: In Europe, ETFs are legally segregated assets, but ETNs are not.
2. Broker Bankruptcy
  • Ownership: Your securities belong to you; the broker only manages them. In a bankruptcy, you can transfer them to another broker.
  • Examples:
    • Bowfor Securities (UK): Chaotic insolvency, but almost all positions were recovered.
    • Phoenix Kapitaldienst (DE): Fraud (Ponzi scheme). Investors received 90% of their claim (max. €20,000) from the compensation fund plus 36% from the bankruptcy estate – but only after 10 years.
  • Misconception: The €100,000 deposit protection applies only to current accounts. For securities, reduced protection (90% up to €20,000) applies only in cases of fraud.
3. Closure or Merger of ETFs
  • No capital loss, but a taxable event: Gains are taxed prematurely, reducing overall returns.
  • Example: Amundi closed several ETFs after acquiring Lyxor.
  • You cannot prevent this, but such events are rare.
4. Market Risk (Price Fluctuations)
  • Historical Worst Cases:
    • Lisa (fictional): Invested €50,000 in 2000 → after the dot-com crash and financial crisis, she faced -58 % over 10 years. Mistake: investing money needed for a short-term goal (real estate).
    • Germany 1913–1948: Drawdown of -70 % (wars, hyperinflation, currency reform). Additionally, many investors lost their assets because paper stock certificates were destroyed or ownership was unprovable.
    • Japan 1989–present: Three lost decades with a maximum loss of -60 %. Recovery took over 30 years.
  • Lesson: Only invest money you can afford to leave untouched for 10–15 years. Global diversification helps (e.g., US stocks performed better during Germany's crisis).
5. Protection Through Savings Plans (Dollar-Cost Averaging)
  • In prolonged crises (Japan, dot-com crash), a savings plan can yield positive returns by buying at low prices.
  • Calculations:
    • Lump sum of €50,000 in Japan after 30 years: 0 % return.
    • Same amount via a savings plan over time: 4 % annual return.
    • Lisa would have achieved a 6 % annual return with a savings plan instead of a loss.
  • Caution: Long-term, a lump sum investment is usually better because markets tend to rise. The examples above are exceptions.
Conclusion
  • Worst-case scenarios are possible but rare.
  • Protective measures: Ensure segregated assets, keep deposit documents safe, invest for the long term, use a savings plan.
  • Additional resource: Video analyzing lump sum vs. savings plan.
Espresso Grinder with Scale Tested: Mazzer Mini G In-Depth Review
Kaffeemacher|22. Aug.

Espresso Grinder with Scale Tested: Mazzer Mini G In-Depth Review

Mazzer Mini G Review: Espresso Grinder with Scale

The Mazzer Mini G is an espresso grinder with an integrated scale that eliminates the need for separate weighing. Its rugged, durable build (likely lasting 30+ years) and high-quality materials are outstanding. However, it has some drawbacks.

Strengths

  • Durability & Robustness: Nearly unmatched in its price range.
  • Grind Quality: Particle distribution around 220 µm – great for medium to dark roasts. The coffee falls fluffy and evenly into the portafilter.
  • Speed: About 10 seconds for 18 g – decent but not the fastest.

Weaknesses

  • Dead space of 11 g: Too much for home use, wasting beans. Better for offices or small cafés where dosing is frequent.
  • Cumbersome grind adjustment: Stiff and imprecise – each click changes extraction by 4–5 seconds. Not suitable for single dosing.
  • Confusing menu navigation: The software is not intuitive, the app connection is buggy. Many unnecessary features (clock, counter).
  • Scale accuracy: Deviations of 0.2–0.3 g possible; the grinder then re-grinds, slightly affecting extraction consistency.

Use Cases

  • Offices, small gastronomy, food festivals: Ideal for multiple shots per day.
  • Decaf grinder: Good for low-volume decaf use.
  • Not for home: The large dead space and stiff adjustment make it frustrating for daily single dosing.

Verdict

The Mazzer Mini G is a workhorse with excellent build quality, but its electronics (scale, software, grind adjustment) lag behind. At around €1000, alternatives like the Eureka Mignon Libra or Mahlkönig X54 offer better user-friendliness. Recommendation: Perfect for semi-professionals who value durability – but not for the ambitious home barista.