2D·

Portfolio update: sales, purchases and my "strategy" for 2025

~ Michael 💎 🏅 · 2025-01-12T18:30:43.927988Z

Hallo Community, wie bereits angekündigt, möchte ich euch heute einen kurzen Überblick über die aktuellen Veränderungen in meinem Depot geben. Mein Depot führe ich bei der ING-DiBa. Dort fallen für Sparpläne auf Einzelaktien Gebühren in Höhe von 1,75 % des Sparbetrags an, während ETF-Sparpläne gebührenfrei sind. Zusätzlich nutze ich ein Tagesgeldkonto, das derzeit leider nur 1,25 % Zinsen bietet. Einzelne Orders im Direkthandel werden mit 4,90 Euro zuzüglich 0,25 Prozent des Anlagebetrags berechnet, wenn sie nicht Teil eines Sparplans sind. Verkäufe der letzten Wochen: •ADM $ADM •Medical Properties $MPW •Virgin Galactic $SPCE • Alphawave $AWE Käufe dieser Woche: •Rheinmetall (Erstkauf) $RHM •NU Holding (Nachkauf) $NU Meine Strategie für 2025: Kurz gesagt: Alles wie immer bei mir – Sparpläne und gezielte Einzelkäufe, wenn der Kurs und das verfügbare Cash stimmen. Diese Strategie hat sich über die Jahre bewährt und bleibt auch 2025 mein Ansatz. Ich habe noch einen Verkauf bei entsprechendem Kurs geplant und möchte demnächst die DHL Group $DHL aus dem Portfolio nehmen und das Cash in die Rheinmetall Position fließen lassen. Aktuelle Sparpläne (monatlich): •225 € ~ FTSE All World $VWCE •100 € ~ Tesla $TSLA •50 € ~ Microsoft $MSFT •50 € ~ Alphabet $GOOGL •50 € ~ Palantir $PLTR •25 € ~ Merck & Co. $MRK •25 € ~ Walmart $WMT •25 € ~ Allianz $ALV •25 € ~ RTX $RTX •25 € ~ Home Depot $HD •25 € ~ Apple $AAPL •25 € ~ Intel $INTC •25 € ~ Coca Cola $KO •25 € ~ McDonald’s $MCD •25 € ~ Rheinmetall $RHM Aktuelle Aufteilung nach Anlageklassen im Depot: •94,33 % Aktien •3,62 % Krypto •2,05 % Gold 🔖 Meine Vorgehensweise bei Sparplänen: Wenn ich eine Aktie in meinen Sparplan aufnehme, starte ich immer mit einer Grundinvestition (zwischen 2.000 € und 2.500 €), bevor ich mit regelmäßigen Sparbeträgen beginne. Dabei achte ich darauf, dass der Kurs zum Zeitpunkt des Einstiegs entsprechend attraktiv ist – idealerweise nutze ich einen kurzfristigen Dip. Erhaltene Dividenden werden stets sofort reinvestiert, entweder durch Sparpläne oder gezielte Käufe. Hinweis zu REITs (Realty Income und STAG): Leider bietet die ING-DiBa keine monatliche Besparung für REITs an. Daher investiere ich die Dividenden stattdessen direkt in meinen Allworld-Sparplan. Meine Position bei Realty Income $O und STAG $STAG möchte ich noch in diesem Jahr durch Einzelkäufe ausbauen. Watchlist mit geplanten Käufen: •Euwax Gold 2 (Nachkauf) $EWG2 •Palantir (Nachkauf) $PLTR •Nvidia (Nachkauf) $NVDA •Reliance Industries (Erstkauf) $RIGD •Aerovironment (Erstkauf) $AVAV Ich hoffe, der kleine Einblick in mein Portfolio hat euch gefallen. Tatsächlich passiert bei mir nicht so viel, da ich meine Positionen einfach nur monatlich bespare und gezielte Einzelkäufe tätige. P.S. Auf Getquin entdecke ich täglich beeindruckende Depots und stöße immer wieder auf Aktien, die mir noch unbekannt sind. Auch die Beiträge zu verschiedenen Themen sind einfach großartig. Vielen Dank an die fantastische Community und die tägliche „Weiterbildung“! 🫶 Viele Grüße, Michael

Hello Community,

As previously announced, I would like to give you a brief overview of the current changes in my portfolio today.

I keep my securities account with ING-DiBa.

There are fees for savings plans on individual shares in the amount of 1,75 % of the savings amount, while ETF savings plans are free of charge.

I also use an overnight deposit account, which unfortunately currently only pays 1,25 % interest.

Individual orders in direct trading are charged at 4.90 euros plus 0.25 percent of the investment amount if they are not part of a savings plan.

Sales in the last few weeks:

-ADM $ADM (+0.1%)

-Medical Properties $MPW (+3.76%)

-Virgin Galactic $SPCE (+0.4%)

- Alphawave $AWE (+1.3%)

Purchases this week:

-Rheinmetall (first purchase) $RHM (+0.35%)

-NU Holding (subsequent purchase) $NU (+3.31%)

My strategy for 2025:

In a nutshell:

Everything as always with me - savings plans and targeted individual purchases when the price and available cash are right.

This strategy has proven itself over the years and will remain my approach in 2025.

I have planned another sale when the share price is right and would like to buy DHL Group
$DHL (+4.13%) from the portfolio and invest the cash in Rheinmetall position.

Current savings plans (monthly):

-225 € ~ FTSE All World $VWCE (+1.64%)

-100 € ~ Tesla $TSLA (+5.06%)

-50 € ~ Microsoft $MSFT (+2.15%)

-50 € ~ Alphabet $GOOGL (+2.2%)

-50 € ~ Palantir $PLTR (+3.43%)

-25 € ~ Merck & Co. $MRK (-0.05%)

-25 € ~ Walmart $WMT (+0.16%)

-25 € ~ Allianz $ALV (+1.74%)

-25 € ~ RTX $RTX (-0.59%)

-25 € ~ Home Depot $HD (+2.76%)

-25 € ~ Apple $AAPL (+1.75%)

-25 € ~ Intel $INTC (+1.03%)

-25 € ~ Coca Cola $KO (+0.12%)

-25 € ~ McDonald's $MCD (-0.28%)

-25 € ~ Rheinmetall $RHM (+0.35%)

Current allocation by asset class in the portfolio:

-94,33 % Equities

-3,62 % Crypto

-2,05 % Gold

🔖 My approach to savings plans:

When I add a share to my savings plan, I always start with a basic investment (between €2,000 and €2,500) before I start with regular savings amounts.

I make sure that the share price is attractive at the time of entry - ideally I use a short-term dip.

Dividends received are always reinvested immediately, either through savings plans or targeted purchases.

Note on REITs (Realty Income and STAG):

Unfortunately, ING-DiBa does not offer monthly savings for REITs.

I therefore invest the dividends directly in my Allworld savings plan instead.

My position in Realty Income
$O (+0.54%) and STAG
$STAG (+1.14%) this year through individual purchases.

Watchlist with planned purchases:

-Euwax Gold 2 (additional purchase) $EWG2 (+0.47%)

-Palantir (additional buy) $PLTR (+3.43%)

-Nvidia (additional purchase) $NVDA (+1.98%)

-Reliance Industries (initial purchase) $RIGD (+1.08%)

-Aerovironment (initial purchase) $AVAV (+2.88%)

I hope you enjoyed this little insight into my portfolio.

I don't actually do that much, as I simply save my positions on a monthly basis and make targeted individual purchases.

P.S. I discover impressive portfolios on Getquin every day and keep coming across stocks that I am not yet familiar with.

The articles on various topics are also simply great.

Many thanks to the fantastic community and the daily "education"! 🫶

Best regards,

Michael

23 Comments

ShrimpTheGimp🦐@ShrimpTheGimp

Thanks also for the insight and for your great contributions 😉 but I have to correct you on the points about ING. ETF savings plans are free of charge if the ETF is supported. Unfortunately, there are some where no savings plan is possible. Share savings plans now cost a little less. Are 1.5% instead of 1.75%. Which is good for you 😉 And the overnight money has unfortunately only been at 1.0% for a few days.

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~ Michael 💎 🏅@Michael-official

@ShrimpTheGimp
Thanks for the comment.
I actually just looked at my savings plan statement and saw the 1.5%.
Also the 1.0% for overnight money.

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Homer@Simpson

Thanks for the insight 😊👍

And why not open an account for the interest with Trade Republic and collect interest every month?

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~ Michael 💎 🏅@Michael-official

@Simpson
With pleasure!
I actually don't want to have so many accounts.
I currently have one with Sparkasse, ING and Revolut.
And I'm currently reading a lot of negative things about TR ...

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Homer@Simpson

@Michael-official Have 4 dkb Ing Scalable Tr😂 myself for 1 year with TR can't report anything negative and I have a lot of savings plans running there and dividends coming in almost daily 😂

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~ Michael 💎 🏅@Michael-official

@Simpson Thanks for the food for thought. I'll have to think about it again 😊

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Jupp D.@JuppDupp

@Michael-official Then Scalable. The custody accounts will now be "hosted" directly by Scalable instead of Baader Bank and there is also 3% interest (up to 50000€ with the Free Broker) on the settlement money. I have both Scalable and TR.

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Kate💎 🙌.@Iwanowitsch

Thanks for the praise, it's good for me and I was right. If you are interested in participating in space X, I would like to mention $DXYZ 🤫, but please don't tell anyone else. Thanks for the interesting insight.
And one more question,
Why a monthly savings plan on Tesla? Isn't that too much exposure for you?

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~ Michael 💎 🏅@Michael-official

@Iwanowitsch
I have to admit that I've never heard of $DXYZ, but I'll definitely take a look.
I see Tesla continuing to gain ground, especially when it comes to energy.
That's why my savings plan is still running 😊

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MrStonkss@MrStonkss

How much would you buy Palantir for?

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~ Michael 💎 🏅@Michael-official

@MrStonkss Savings plan, and I think around 50.00$.

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KBO@KBO

If you mean the call money account at ING-DiBa, you only get 1% interest on it since January 7th.

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~ Michael 💎 🏅@Michael-official

@KBO
Correct, had it wrong in my head. 😊

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Enrique@Der_Dividenden_Monteur

Why Alphawave out?

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~ Michael 💎 🏅@Michael-official

@Der_Dividenden_Monteur
I don't really see much potential at the moment and have written off the investment.
My "gamble" didn't really work out back then ...
And might even want to get in at $SNOW.
I read a lot about it today 😅
Has been on the buy list for 60 minutes.

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lem09n11@lem09n11

Your thoughts on Reliance $RIGD?

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~ Michael 💎 🏅@Michael-official

@lem09n11 I am looking to diversify my portfolio and am actually looking for opportunities in India.
I see further growth in Reliance in the long term and could imagine further increases due to the upswing in India.

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lem09n11@lem09n11

@Michael-official thanks for the answer :)

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patrick0NTour@patrick0NTour

Stable Sparrate 🚀

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Patschke6686@Patschke6686

Thank you for your insight and your contributions here. May I ask why you chose $MRK and not $JNJ, for example - thank you =)

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~ Michael 💎 🏅@Michael-official

@Patschke6686 I find the product pipeline at $MRK much more interesting and see much more growth in the company than at $JNJ.
However, this is just a personal opinion and nothing that I can currently determine on the basis of figures.

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Patschke6686@Patschke6686

@Michael-official ok thanks :)

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Fawad S.@1fawadshah

Thanks @Michael-official for sharing your investment strategy and going deep with individual stocks, I always look forward to the detailed analysis and insights you share, please keep it up 🙏

Quick 2 questions, if you may answer;
Why ING despite high transaction costs, considering there are other relatively cheaper brokers?
The reason I am asking because I also have ING and Scalable, I started with ING but due to high transactional costs I moved to SC, I did the securities transfer in 3-4 batches, yet I have about 35-40% of investment in ING which I am gonna keep there.
So, I am just curious to know if there is any particular reason to stay with ING for you?

Secondly, in this post, I gotta feel that you are inclining a little extra towards Rheinmetall compare to others, what is the reason?
Again, the reason I am asking because I also have it in my portfolio and the return on my investment from Rheinmetall is most of the time in top 5, currently on 2nd but some time ago I decided to not invest further in it due to its sudden and big ups and downs, what is your reasoning to invest more?

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