Mister_ultra (@Mister_ultra) on getquin

After two extremely good stock market years, the year 2025 is under particular scrutiny.

After two years with price increases of over 20%, can it go any higher?
How will Trump affect the stock market? Liberal policies vs. tariffs?
Inflation and interest rate trends - will the central banks continue to lower rates or will inflation return?

What will not change is my basic investment strategy. I will continue to invest in dividend growth stocks and buy them every month via a savings plan - regardless of other influences and developments.

Investment amount:

In my private life, building a house is a big issue. My monthly savings will therefore be significantly lower in 2025 than in previous years.

In the last few years, my savings sum was usually between €1,500 and €2,500.

I will now reduce this significantly to approx. 700€ per month.

The rest will go into a call money account to save money for additional costs, kitchen, furniture and so on.

However, I am absolutely aware that €500-700 is still a very high investment amount per month.

Around half (€250) already comes from dividend income, which I will reinvest.

Investment breakdown:

This year, the majority of my investments will again be in individual stocks with the following allocation:

I will continue to overweight the USA and underweight Europe (especially Germany).

My main focus will also remain on the technology and pharmaceutical sectors with almost 50%. This is where I continue to see the greatest growth in the long term - both for sales, profits and dividends.

There will be no changes to the savings plans for the time being. I will not be adding any new shares to my savings plan for the time being.

In addition, I will continue to invest the net savings from private health insurance compared to statutory health insurance in the WisdomTree Global Quality Dividend Growth
$GGRP (+0.3%)

In total, that's around €90 per month + the one-off premium refund of over €2,000 for 2024.

The capital-forming benefits from my employer flow into an MSCI World
$XDWD (+0.7%) with finvesto.

In addition, €100 goes into two crypto savings plans every month. 65 flows into Bitcoin
$BTC (+0.39%) and €35 in Ethereum
$ETH (-0.95%)
Dividend expectation:

For this year, I also expect around 15-20% more dividends than in 2024.

This would mean total dividends of €3,300-3,500 for 2025.

What is your investment strategy for 2025?

#aktien
#etfs
#dividend
#tech
#personalstrategy

Chris@1Chrischi1

beautiful portfolio.

i like your strategy very much as i have a similar strategy. about 70/30 dividend stocks, only one-off purchases, no savings plans and purely equities without ETFs. main focus also on the USA and mostly blue-chip companies.
just started investing much later. most of the money was invested at the end of 23/beginning of 24 so performance is still limited.
as a beginner I also sold too early/buy too late...
but after 1.5 years I received almost 20% and 3000€ dividends.
in year 25 i will collect over 5k in dividends.
with a portfolio value of just under 300k and an age of 35, i consider this strategy to be a good one for me, even with a view to prices that are no longer as profitable as the last two years, i have more or less decided on this mix in order to have a positive cash flow even in bad times.

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Floriano@FlorianoPerlini

beachtlich

Kalle@Brazzo_Muc

Similar to you, I will continue to run my ETF savings plans and buy individual shares as the situation demands. Due to my wife's children and parental leave (and my own), I have to reduce the monthly sum from €2,500 to €1,500. In addition, most of the dividends will be reinvested.