1Yr·

When you throw your money out the window right after receiving your salary - But in a getquin way 😂 Additionally: Novo Nordisk and the impact on the food industry

Perhaps one of the best and easiest savings tips. Directly after salary receipt invest the money, then you do not get used to your entire salary at all and get along extremely well with less.

I currently have a total of 33 stock savings plans running, these are executed quarterly, so every month 11 of them.

This month it was Novo Nordisk's turn again. $NOVO B (+2.21%) again. And also with Starbucks $SBUX (-0.98%) a stock that is supposedly not going to be around much longer, if you follow some opinions that claim we will soon all inject ourselves with Wegovy and then never touch sugar, fast food and the like again.

"Allegedly because of the boom in appetite suppressants, the share prices of PepsiCo or McDonald's had recently also come under pressure. An expert from the financial firm Mizuho told the business channel CNBC that the business of the U.S. restaurant industry could also shrink by $25 billion by 2025. Bank of America analysts also see providers of low-calorie frozen foods as another potential loser from the trend. They could be made obsolete by the new drugs."

https://www.spiegel.de/wirtschaft/unternehmen/ozempic-und-wegovy-walmart-meldet-sinkende-nachfrage-wegen-neuer-abnehmspritzen-a-e3505d1d-34c2-4b36-b917-9d128e762721

In my eyes, 3 reasons argue against this:

- People smoke and drink even though they know it is not healthy. It will be the same with eating. If I have less appetite, I can still go to McDonalds and save one of the other two meals. Instead of skipping the bag of chips, I can just skip the serving of vegetables. It's not the appetite for unhealthy foods that is inhibited, but for all of them.

- If the big companies really notice that they are losing a massive amount of sales, they will react to this and develop healthier products or otherwise try to increase margins in order to counteract the decline (see the current reaction of companies to sales declines due to inflation - price increases compensate for this disproportionately).

- The drug is extremely expensive and continues to be that: a drug with potential side effects. I cannot imagine that this drug will be widely consumed as a lifestyle product - I am aware that there can and will be abuse as with e.g. painkillers, but not on a society-changing scale.

How do you guys feel about these thoughts? Can you imagine this really impacting these stocks in the long run?

#aktien
#stocks
#invest
#growth
#savingstips
#news
#personalstrategy

23 Comments

DerDanner@Therapeut

1Yr

No moss no go🚀

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Daniel@OKH

1Yr

So according to what I know so far about the weight loss injection, this must be injected once a week. If you stop, the original condition returns after about 3 weeks. Thus one would have to take these injections a life long if one can afford it. The question is: How many really want and can afford it? The injection probably also has an effect on one's own sensation or craving. Users say that they no longer feel any appetite or are indifferent whether you eat a cheese that you actually do not like at all or a chocolate croissant which you have simply devoured before. Simply put, you are less hungry and less emotional about the choice of food. A tester said she writes recipes and then was no longer able to create new ones, because you no longer had any idea what harmonizes with each other or could taste good. I could imagine that this hype continues for a while but then decreases again and normalizes. If I am wrong Novo Nordisk will go even further through the ceiling. 🚀

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Mister_ultra@Mister_ultra

1Yr

@OKH very interesting information! And really blatant how massive the effect can be. I was not aware of this, but it confirms my assumption that it is a drug and not a lifestyle product. Who knows, maybe such side effects can be eradicated at some point and it really becomes a lifestyle product. In my eyes, however, it is a drug for the treatment of obesity and therefore an absolute goldmine. We in the industrialized countries have an extremely large number of obese people and in the emerging markets it will also continue due to the increase in prosperity, which means that an extremely large "clientele" is waiting for companies like Novo Nordisk and Eli Lilly. That is why I am still convinced of Novo Nordisk in the long term, even if I believe that all the hype will calm down again for the time being.

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Daniel Lugo@Daniel_Lugo

1Yr

Run the savings plan per quarter and thereby every month variety. ... the idea is mega good. Thank you! 🍻

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Mister_ultra@Mister_ultra

1Yr

@Daniel_Lugo Thanks a lot! And you save a little work every month, because I also track my portfolio in other programs (11 instead of 33 entries per month makes a difference). On quarterly view one has bought all 33 shares anyway.

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Dirty30@Dirty30

1Yr

I guess you get fresh on the 15th of the month too? 😎

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Mister_ultra@Mister_ultra

1Yr

@Dirty30 yes, always matching most brokers and the savings plan day 😂 directly away with the money.

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Moritz@leveragegrinding

1Yr

Form criticism: you do not check the 2nd part of the title :) Vllt old and wise? and respect for the difference of standard of living to salary that results in this savings rate📈

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Mister_ultra@Mister_ultra

1Yr

@leveragegrinding always welcome! Which part do you mean exactly, thank you! Where I must say that I am definitely far away from frugalism. Vacation, go out to eat, go to the movies or even a new TV, cell phone, ... is also part of life for me and should not be forgotten or neglected. In addition, I have the good fortune to live rent-free and not yet have to serve other burdens such as a house loan or the like.

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Kevin E.@KevinE

1Yr

@Mister_ultra How high is your savings rate? It's nice to see that I'm not the only one who seems to be able to reconcile a high savings rate with a good life. Personally, I don't see myself as a blatant frugalist either, but the definition of frugalist is broad. I don't take some freaks who eat the putty out of the walls seriously. Things that offer frugalists added value, they usually buy. But there are many who contradict each other... I also think that I can afford everything I want. My savings plans are only 1,000 € / month, so I had originally assumed a lower savings rate than you. But then I summarized all my one-time payments to get an overview. I guess your savings rate is still unattainable for me, since I pay for my apartment and my professional room in a shared apartment.

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Mister_ultra@Mister_ultra

1Yr

@KevinC My savings rate is around 60-70% per month. Since dividends, bonuses and tax refunds also accrue over the year, the savings rate for the entire year is probably around 60%. I should do a Sankey chart again sometime to get an accurate overview. Yes frugalism comes in many flavors and depending on how you look at it, I'm probably an absolute frugalist for people who blow their entire salary or a hedonist considering I go on vacation, go to festivals, buy new tech,.... :D I would just call myself frugal with the luck of not having any costs due to rent or the like (sooner or later when own property is bought or built of course a different situation). True, one-time payments should not be forgotten for the savings rate. That's why I prefer to look at the savings rate on a yearly basis rather than on a monthly basis :) That's true and of course I fully understand. But for that 1,000€ savings rate + additional one-time payments are also a real house number! Respect!

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Kevin E.@KevinE

1Yr

@Mister_ultra I think my savings rate fluctuates quite a bit. This year was financially quite lucrative due to a project position, which will probably be less next year. I'll probably come to a total of about 48,000€ salary including all bonuses, plus 4,700€ tax refund from 2022. Of that, probably about 28,000€ went into the deposit. Next year there will probably be less salary, but also less costs. With a bit of luck, I'll be able to maintain the savings rate.

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Billy O.@IBilly

1Yr

Crass savings rate. Off to the moon with you ☝️

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Markus@sinus_2pi

1Yr

The money must go out the window, so that it comes back in through the door :D That once said a famous fashion designer. There is some truth to it :)

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Michael D.@Angstundbange

1Yr

Sport savings rate

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Deleted User

1Yr

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Hannes@Hannes_SK

1Yr

@Scrooge_McDuck A certain DAX company makes it possible. 👀

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Mister_ultra@Mister_ultra

1Yr

@Hannes_SK The time investment through my working time in a DAX group returns significantly better than a stock investment in the DAX 😂

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Hannes@Hannes_SK

1Yr

@Mister_ultra I can understand that. I am also quite happy not to have to pay into the German SV system. 👍🏻

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Deleted User

1Yr

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Schweizer_Investor@Alumdria

1Yr

@Scrooge_McDuck Is all of this coming from the savings rate? Or isn't part of it also from the dividends that are reinvested? I don't want to sound envious, but my savings rate is only at 600 francs a month😀

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Mister_ultra@Mister_ultra

1Yr

@MeepMeep good thing I didn't call myself mister_Zero or similar 😂@Dagobert_Duck actually it's about 2,600€ per month (besides the 2,200 for stocks, another 300 in ETFs on China and Japan and 100€ in Bitcoin and Ethereum), of which about 200€ per month comes from dividends (I tend to have dividend growth companies with even lower dividends). BUT I also have to add that I have relatively low expenses and am really very lucky here. I am aware of that. And mainly because I can live rent-free, alone the saved rent makes of course quite a bit for the savings rate :)

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Schweizer_Investor@Alumdria

1Yr

@Mister_ultra really cool. Treat yourself🤑

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