I am glad that I have taken crypto profits and shifted into equities. In line with my strategy, I'm shifting into distributors, which should finance my new accumulation via dividends in the coming bear market so that I don't have to use my net salary. The $HSBA (-3.37%) is one of the major British banks with a focus on Asian business and one of the successors in which my profits and investments from $XRP (-7.23%) , $LINK (-10.41%) , and a tranche $UNI (-11.39%) have flowed into. Of course, crypto in general is only a small part of my assets, hence the amounts invested in the "followers", but HSBC really stands out with a strong +24% performance since December. Wow! I didn't expect that at all. I love such defensive stocks and even more their cash flow. More information will probably be available at the end of next week in my February review.

Still have $LINK (-10.41%) and $LTC. Also $ETH (-8.44%) .

What do you do with them? Everything in $BTC (-5.05%) swap?

Thanks in advance

Last year, there was a distinct lack of snow in December. Instead, the portfolio did really well and I made progress with my crypto sell-off strategy. A small cold in the fall, despite taking good precautions, set me back in terms of ice bathing and hiking, but fortunately I was healthy again by Christmas. Unfortunately, that wasn't all... Time for a look back.

I present the following points for the past month of December 2024:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ WHAT IS REALLY IMPORTANT

➡️ OUTLOOK

➡️ Shares

$AVGO (-0.66%) is back on the tube. Wow, at +276%, the stock is now up for me. After the share cooled down a little, it went to the moon again in December.

$NFLX (-2.48%) and $SAP (-1.76%) are on a par with the previous month in terms of performance and are still in 3rd and 4th place in terms of volume. $WMT (-3.53%) . The retail chain will soon become a doubler for me.

The red lanterns will once again go to the usual suspects $NKE (+0.61%) , $DHR (-1.72%) and $CPB (+4.61%) . In terms of performance, all three stocks are down between -30% and -20%. They are the smallest positions in my main share portfolio with the $DHL (-0.8%) However, across all portfolios, the smallest positions are the new additions $SHEL (+0.67%) and $HSBA (-3.37%) .

➡️ ETFs

The ETFs are doing their thing as usual. This month, I immediately invested a refund from the previous year's utility bill in the $GGRP (+0.49%) and $JEGP (+2.25%) invested. I'm always expanding this asset class in particular with cash inflows. I don't care about timing. The money should go into the assets so that the stream of distributions keeps growing. I buy income and want cash flow.

➡️ Distributions

I received 34 distributions on 14 payout days in December. I am grateful for this additional income stream. My minimum target has been met anyway in this high-distribution month. The snowball rolling down the slope is getting bigger and bigger.

I already donated part of the dividend at the beginning of the month. This is based on the conviction that you can (and should) give something back, no matter how small, if you have the opportunity to do so.

➡️ Cashback

In November, I received €6 from redeemed Payback points, the equivalent of which I transferred from my grocery account to my settlement account. As already mentioned, there was also a credit from the utility bill. REWE and Penny have now separated from Payback, while Edeka, Netto Markendiscount and Marktkauf have joined. All three new stores are not in my immediate vicinity, which is why I will earn fewer Payback points in future. I will most likely collect the points mainly at DM. REWE and Penny now have their own bonus programs. REWE's will be exciting, as I can also save up credit with my purchases. I will deduct this discount from my grocery account and invest it in the same way as before. I'll see over the year whether it pays off more than Payback did back then.

➡️ Subsequent purchases

As already mentioned, there were additional purchases at $JEGP (+2.25%) , $GGRP (+0.49%) and $SPYD (+0.96%) . I always invest every little return or leftover money to further increase my portfolio. This buys me freedom.

➡️ P2P loans

I was finally able to get rid of Peerberry. Now only Mintos is hanging on my leg like a log. A mid-double-digit amount, which has long since defaulted, is still waiting to be refunded or written off.

This asset class will soon be history for me.

➡️ Crypto

All in all, December was another exciting month for crypto investors. Limit orders were triggered again for me. The last tranches $LINK (-10.41%) have left me, as has a first tranche $UNI (-11.39%) and a first tranche $BTC (-5.05%) . I have invested the proceeds in $HSBA (-3.37%) and $SHEL (+0.67%) invested in the separate portfolio. I have already explained my underlying strategy in detail, which you can read about in my articles. Recently, the crypto market has been in a sideways phase again. I'm hoping for another breakout in January to trigger further limit orders, as I still need to buy a security so that the separate portfolio pays me a return each month. So far, only two out of three quarterly months are covered. The two new stocks have even performed well in this short period of time, gaining around +3.6% within a month. The last purchase will perhaps be an ETF. You will see more about this in the coming reviews. I am already looking forward to collecting again in the coming bear market and will then certainly write an extra post with the levels at which I will gradually enter again.

➡️ What is really important

I remember December as a good month in financial terms, but unfortunately Christmas was overshadowed by tragic events this time.

After recovering from my cold at the beginning of the month a few days before Christmas Eve and getting back to my daily routine (consisting of work, running, ice swimming, hiking and my love of finance), I received the terrible news from Magdeburg. I am simply stunned and ask myself "why?". I am not affected, I am not one of the bereaved and I don't know any of the victims, the wounded or the bereaved personally, yet this event brought me down on the evenings around the Christmas holidays. Loyal readers know that I am working on a closer relationship with my ex's kids. Even though my blood doesn't run through their veins, questions ran through my mind about what if they were affected by the horrific act, or me? It could have happened anywhere. At least in the event of my untimely demise, I also made appropriate arrangements in the last few days of the year to ensure that what I leave behind ends up where I want it to be. I spent the turn of the year with the kids and the time I spent with them was the best end to the year imaginable. It's nice when connections continue to exist and you remain part of the life of the Kampfzwerge and can continue to accompany them through life.

➡️ Outlook

New year, new luck. I'll be surprised what the new year will bring. There will be a separate post for the evaluation of 2024 as a whole. I'm particularly happy because I exceeded an important goal despite a few expenses.

Links:

Social media links can be found in my profile, you can also check out the Instagram version of my review.

Tonight I also triggered a limit order at $BTC (-5.05%) triggered a limit order. A first smaller partial tranche has been sold. Everything is going according to plan. I have even revised the targets announced in my #krypto -I have even adjusted some of the BTC targets announced in my post upwards. This means that the limit order was triggered at around USD 106,500 / EUR 99,000. Over USD 10,000 more than planned. The order, which I also placed with a lot of gut feeling after my analysis, happens to be as good as the nightly top 🥰

The next tranche is at 104,000 EUR / 109,300 USD.

Even though my planning and analysis is based on USD prices for crypto, I have set the limit orders in EUR prices.

I am now also publishing what the profits and stakes will be reinvested in. The exact securities I am looking at have not yet been explicitly mentioned.

So far, investments have been made in $HSBA (-3.37%) from the proceeds of $XRP (-7.23%) , $LINK (-10.41%) and the first tranche of $UNI (-11.39%) -sales.

From today's first tranche of $BTC (-5.05%) -sales, I entered $SHEL (+0.67%) I have entered.

What else will come according to plan? $BP. (+0.29%) As a single share. I would then have 3 shares to cover the third month of each quarter with distributions in a separate portfolio. I want to cover the first two months with ETFs, including the first month with either the $EXSB (+0.11%) or (and) $EXX5 (+0.38%) and the second month with the $FUSD (+0.61%) . Will there be any overlaps with my main or one of the two old ETF portfolios in terms of the composition of the securities? For sure! But that doesn't matter to me, as I consider this portfolio, in which the crypto stakes and profits are invested, separately. As you can see from my articles, this is all about building up the basis, the dividends from which I will then use to build up new crypto holdings in the coming bear market so that I don't have to draw on my net salary. This is because the net salary is firmly earmarked for the regular savings plans and the distributions from the main and old portfolios.

Based on the current prices, I think that my second BTC tranche will be the next to fall. The altcoin season should start very soon. I can hardly wait $BCH (-7.04%) , $LTC (-7.24%) , $SOL (-7.43%) , $DOT (-7.11%) , , the rest $UNI (-11.39%) and $MATIC (-10.18%) to finally get rid of it. But I think it will be most exciting with the higher planned tranches at $BTC (-5.05%) and $ETH (-8.44%) .

Today the last limit order at $LINK (-10.41%) took effect. The coin is out of the portfolio.

I will announce my first successor share and possibly others in next month's review. Or sooner?

With today's 20% pump, first sell 25% of the stock 🚀

With the nice belated Black Friday sale, I just had to go to $LINK (-10.41%) , $ADA (-9.89%) and $DOT (-7.11%) and . Are you also stocking up a little?

And today the next two stop orders took effect:

The third of four tranches $LINK (-10.41%) left me today and also the first of two tranches at $UNI (-11.39%) .

In addition, the first tranches of $BCH (-7.04%) and $LTC (-7.24%) before liquidation. It should only take a few more days.

I have revised my exit targets for $BTC (-5.05%) have been adjusted slightly upwards, so I haven't sold anything yet, but the very first sale of the first sub-tranche will also take place here soon.

These are exciting times in this bull market. I only entered the crypto world towards the end of the last one, so this is basically my first bull market. I'm even looking forward to the first bear market, when the dividend shares from the current proceeds will automatically allow me to buy new cryptos without having to draw on my net salary.

My advice to all crypto newcomers as an experienced speculator:

It's always the same pattern. BTC leads the way, and slowly the voices of those who have understood it and have been with it for years begin to be heard. When the rise becomes unhealthy, those who have never dealt with it before come in - and they want to buy the top. This is followed by an important consolidation of the BTC price, where the general entry price increases, which is important for the market. When the price goes down in this consolidation, you see on-chain that many small wallets that bought the tops sell in panic, while the big wallets sell on the tops. When things get boring and there is little price movement in the BTC chart, the shitcoins pump.

At the Shitcoin top, people start asking again where the best place to buy these Shitcoins is, especially the Shitshit Coins. At the same time, you can see on-chain that the tops of these Shitcoins are sold again and again through exchange inflows from large wallets, while the retailer panics about not being at the party. So far, it has always been the same pattern, every single time. When it feels like no one is interested in BTC anymore, everyone has given up and massively exchanged "gold for shit", the BTC price breaks through to a new level again. I am sure that many people are now thinking about getting back into BTC.

Please, if you think you need to anticipate this seasonal retailer over-liquidity, rethink your speculative decisions. Also, be aware that shitcoins are not about utility, but only about the expectation of profit. If you look at the Shitcoins, ETH is the only one that can really be used - although the applications are also questionable, as this utility is virtually unused at the moment. ETH has massively underperformed compared to the other shitcoins. Why is that? Because we once again have a $APE (-11.42%) market in which coins are bought that live on a sectarian community, have a simple narrative and don't require any study to understand. I think most people's logic is: "Hey, I know this ticker, it already pumped in the last bull run, and the price is still very low, BTC is too expensive and can't go any higher." The problem is that retailers do not look at the market cap and have not plotted the chart logarithmically.

Everyone should do what they want, and I don't want to say that the party won't go on. There will certainly be more seasonal retail over-liquidity between now and the end of the year, as always, because Christmas bonuses or perhaps money from grandparents etc. are coming in. This "extra money" is then often seen as a lottery ticket. The easy money has already been earned and the party will only go on as long as retailers have excess liquidity.

I hope this helps some to avoid losses and understand how someone who has been around a long time sees things. I still have Shitcoin positions, but they are trading positions for me. You don't put Shitcoins in your portfolio for the long term - it's dead money 99% of the time, see the $XRP (-7.23%) chart. The only thing that really makes sense in the long term is BTC, because it has the greatest utility than digital gold and the best track record. Of course, you could also mention $ETH (-8.44%) as a lot has been built here. Probably also LINK $LINK (-10.41%) as it is more or less the industry standard for oracles, and Arbitrum $ARB (-12.58%) as an L2 solution. $SOL (-7.43%) Solana has also gained benefits, but compared to ETH it is still no comparison. The main benefits of SOL seem to be pump-and-dump, rugpull and memecoins.

Once again, the people who understand the market have already made a lot of money and are looking to cash out rather than put new money into XY new BTC now. I'm still slightly long, but I check the on-chain activity every day, sell the strength and buy the weakness.

By the way, after the new BTC ATH, we also had a local on-chain ATH in transactions from BTC wallets to exchanges. $BTC (-5.05%)

Today $LINK (-10.41%) broke through my limit order. My bet is out. :) Immediately placed two more, if it keeps pumping like this, I'll soon be rid of it :)