• $FUSD (-0.78%) In principle, an S&P 500 consisting of around 110 stocks that "should" fulfill a few quality and dividend filters 🧐 TER 0.25%. An index ETF would most likely be the better choice here.

• $JRUD (-0.91%) This is an actively managed ETF on the S&P 500 with currently around 250 positions and a TER of 0.2%. This fund has actually outperformed the benchmark index over longer periods of time. However, I see the risk here in the management (currently Raffaele Zingone and Piera Elisa Grassi) in the event of a change or a wrong decision. It is not for nothing that the specialist literature advises against actively managed funds🫣.

Both have the same reference index and therefore overlap. So what to do? Sell the Fidelity (possibly wait a few more weeks/months, as the tide is lifting all ships again) and keep JP Morgan or replace it with an S&P 500 Index ETF? In principle, the excess return is not phenomenal and the risk is relatively high.

For the sake of completeness, I would like to briefly mention the two other ETFs in my portfolio:

$TDIV (-0.39%) The ETF "The European Dividend" focuses on high-quality dividend payers from industrialized countries with a focus on Europe. In my opinion, this has proved its worth in recent times as it has had less correlation with the overall market due to its defensive approach.

$GGRP (-0.62%) This ETF is based on high-quality dividend-paying companies from industrialized countries around the world and also takes the momentum factor into account.

Fun fact: the combination of TDIV, GGRP and FUSD ensures monthly distributions😎 - but that shouldn't be a criterion 😆🫣

AHEAD: Starting next month, my Instagram monthly recaps will only show the most important facts and figures on the slides of the Instagram post. The detailed text version will appear here on getquin. This makes it easier to absorb the information and makes the Instagram posts clearer.

I will divide the monthly review into a portfolio update and a review for private finances. I could also create a separate review for dividends and reinvestments. My aim is to motivate people to take responsibility for their own finances and to build up their wealth. The whole thing is based on my experience reports from my personal everyday financial life, tailored to the respective target group for each sub-post. Let's see how well I succeed.

Here is the last All-In-One post.

While many have continued to panic about Trump, I think I have understood that the whole tariff issue is only intended to depress the markets so that the USA can refinance itself at much lower interest rates when a good USD 7 trillion of the USD 36 trillion of national debt matures this year. That's why I preferred to keep on hiking, while the portfolio rewarded me with plenty of dividends for the month.

I present the following points for the past month of April 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ AFTER-PURCHASES

➡️ CASHBACK

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

So the second of April was the aforementioned day of liberation. And it was indeed one, the day of liberation from the excessive overvaluations in US equities. Unfortunately, there was also other collateral damage, but in the end there will be none, as it is all just book losses.

The trap in the US government budget that I would like to briefly point out is the national debt to GDP ratio of 123%, as of March 2025. In Germany, it is around 63%. This is stiflingly high and means that economic output is not enough to keep the national debt in check! Therefore new new "money" has to be printed for refinancing. And this money reaches us through asset price inflation. The illustration is, of course, highly simplified, but that is why we invest.

A look at my portfolio shows me that my individual shares $NFLX (-1.02%) my previous class leader $AVGO (-1.1%) has at least just caught up in terms of performance. Nevertheless, Broadcom remains the largest position in terms of volume. Who knows for how much longer?

Netflix's performance has recovered to +184%, Broadcom's is +182%. I'm watching the spectacle, but I'm letting the savings plans continue. Nothing more will be done here, as Beate Sander once said: the horses stay in the stable. Behind the two draught horses $WMT (-1.26%) 3rd place in terms of volume and $SAP (-0.98%) in 3rd place in terms of performance with +110%. In the last review, I reported that the waste disposal service provider $RSG (-0.6%) had risen steadily. It is now losing a few places again, but rising $V (-0.98%) and $MA (-0.97%) are rising together and both are already knocking on the door of the top 5 from the outside. The performance of both is similar and decent with +44%/+42%.

As always, the last places in the main stock portfolio are occupied by the same suspects. $NKE (-1.24%) , $TGT (-0.72%) and $HTGC (-1.22%) are the smallest positions. In terms of performance, Nike and Target are the worst performers at -40%.$DHR (-0.45%) as well. But that leaves me cold. In the current macro situation, this is hardly to be expected otherwise. The "neighbor indicator" fits, because most of the shoes on their doorstep (larger family) are Nike shoes. I'm thinking about adjusting my savings plans so that these values receive a higher proportion of my net salary.

➡️ ETFs

The impact of Trump's tariff policy was also clearly felt in the prices of my ETFs in April, leading to significant losses. It is important to remain calm in such volatile times and continue to invest strategically. Such phases are part and parcel of long-term asset accumulation.

➡️ Distributions

In April, I was pleased to receive 19 distributions on 8 payout days. This additional income stream is a valuable addition to my normal earned income, for which I am very grateful. I recommend everyone to build up this kind of additional income in order to become more financially independent from their traditional main job.

Traditionally, April is not a low-distribution month for me. This time, however, the distributions from my three large ETFs were not paid out at the end of March but in April, which distorted the distributions for both months. This effect made April the second-highest distribution month since I started investing. Otherwise, April is always slightly below the distributions of March.

➡️ Additional purchases

From the refunds below, I bought two one-off savings plans on the $GGRP (-0.62%) and $JEGP (-0.25%) executed. I would have liked to buy more, but I still don't want to touch the nest egg or reserves.

➡️ Cashback

In April, I received a cashback on my electricity bill and a travel allowance from my employer. Part of this was used to pre-finance future expenses and to top up sinking funds, while the other part was invested in an old portfolio via the aforementioned one-off savings plans.

➡️ P2P loans

With Mintos, there were no interest or redemption payments. I always withdraw incoming funds with availability. How are you doing with P2P? Are you also withdrawing from the investment?

➡️ Crypto

April was also a very volatile month for crypto investors. The unrest caused by Trump's tariff policy depressed crypto prices, similar to March. However, prices gradually recovered, indicating that the money supply is already increasing again. This is happening through new debt being purchased in the form of government bonds by the FED, which is essentially the equivalent of 'printing' money. Historically, the $BTC (-1.88%) usually follows this development with a delay of just over 10 weeks, as it is strongly correlated to the money supply at 90%.

I am following the whole thing with interest. My preferred theory of cryptocycles still fits in with the current trend. We are moving back towards 100K and I expect a bullish crossover in Bitcoin. The limit orders are still in the market, even if it will be a long time before they trigger. Of course, I hope that the "normal" bear market will then resume. In a few months' time, we will know whether we will have seen another clear double top in the current bull market.

Here are two key figures from my crypto wallets: monthly performance: +5.5%, performance since the beginning: +56%.

➡️ And what else?

I'm continuing to delve deeper into the use of LLMs and am currently working on my prompting technique. The posts on my Instagram channel that I have published since March have been created with the help of AI, I have used AI to give me ideas for image generation, to have them created naturally and many of the quotes are also AI-generated. I use several LLMs and see significant differences in the outputs. This makes it more diverse and even allows me to merge multiple results. The models are also learning my writing style better and better, with longer generated texts you can still clearly read the generic, but I myself understand better and better how I can use the new technology to improve my productivity instead of letting it replace me. This also applies to my job.

As in the previous month, I am also focusing much more intensively on the topic of nutrition. I avoid added sugar as much as possible. So there was no chocolate bunny for me at Easter and I'm not hungry for chocolate or other sweets. That's a real miracle.

I've also increased my weekly exercise routine once again and am paying close attention to how my body is coping. Instead of two weight training sessions at home, I now do three, instead of three running sessions a week I do a lot and every morning I do some general fitness/cardio and core exercises for my stomach to warm up. The clear aim is to continue building muscle and strengthening my heart health. And I enjoy it, even though the temperature in my apartment has already risen towards 25° Celsius on some days.

I've been hiking twice in Saxon Switzerland, once just under and once over 30 km. On hiking days, I like to leave at 4 a.m. on the first Saxonia Express train. In the fall and early spring, this is even the perfect time to enjoy the sunrise on the sandstone cliffs. For me personally, this is pure healing for the soul and a real quality of life. I can enjoy it without depressing thoughts in my head because I know that my finances are in order and running on autopilot.

➡️ Outlook

May will be a no-spend month for me, simply because I feel like taking on the next challenge. Later in the year, I want to start a Hartz IV/citizen's allowance experiment. I should be able to do this most of the time, as my expenses in March and April were both under €1,000. I'm already looking forward to the evaluation at the end of the challenge.

Links:

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

Hi, my portfolio has reached a certain size and I would like to add some dividends. The goal is a monthly payout without neglecting the total return and growth - I am still missing an ETF to cover the months of Jan, Apr, Jul and Oct.

In my research are

WisdomTree Global Quality Div Growth ETF $GGRP (-0.62%) and

HSBC MSCI World ETF $HMWO (-0.72%)

and I can't decide because each has its "strengths"/"weaknesses" (e.g. TER, size, yield and growth at HMWO - diversification (less USA and tech), dividend at GGRP) - so I would be happy to hear your assessment and suggestions.

Thanks in advance for your input and

LG from Vienna

PS. The other ETFs in this "strategy" are Fidelity Global Quality Income ETF $FGEQ (-0.6%) VanEck VanEck Developed Markets Div Lead ETF $TDIV (-0.39%) and as a monthly push the JPM Global Equity Premium ETF $JEGP. (-0.25%)

$GGRP (-0.62%)

Hello, does anyone know how often the $GGRP (-0.62%) pays out dividends. According to getquin only 3 times a year, but according to the facsheet quarterly. Unfortunately I can't find any data for the future on the homepage!

Do you know more?

Hello

The first quarter of 2025 is over. In March, real assets recorded declines, both in equities and ETFs and especially in cryptocurrencies. The markets have become increasingly volatile. While many are panicking, I have been enjoying the first signs of spring, hiking and continuing to winter bathe diligently.

For the past month of March 2025, I present the following points:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

There was a considerable setback in March, and not just in equities. The reason for this is the customs issue, on which I have already formulated my thesis, which many believe to be correct. To summarize briefly: Markets are being depressed to get investors into bonds, which lowers bond yields and allows US debt to be refinanced at a lower interest rate. After the refinancing of short-term US government bonds, the tariffs are put into perspective and the next upswing follows, which Trump can boast about. Whether this assumption is correct remains to be seen. However, it would make sense in the long term to slash US spending. Even if the D.O.G.E. does a good job, you can't cut everything without incurring the displeasure of the population.

A look at the depot shows the front-runner $AVGO (-1.1%) and its companion $NFLX (-1.02%) both currently only 150% up, despite a significant setback. I am unimpressed by this development, as the capital market is always facing worse times, which will be followed by better ones. According to André Kostolany, it is now the "shaky hands" that are significantly triggering the sell-off. Yes, change your perspective: the red sign in your portfolio is irrelevant, now is the time to buy more. Enormous overvaluations in tech stocks have been reduced and they may now be available at a fairer price. There are also attractive defensive value stocks on offer, ideal for a dividend portfolio.

Second and fourth place in my individual share portfolio are still occupied by $WMT (-1.26%) and $SAP (-0.98%) . Walmart can now prove that it acts as a stable anchor in the portfolio even in bad times. In sixth place is a stock that I did not expect to be in the top 10. Like me, many of you have shares in $WM (-0.22%) but the stock I am looking for is its competitor: $RSG (+1.7%) . I have been watching the rise of this stock even before the pressure from Trump and I am happy about it. This is an example of a defensive stock. Garbage collection is necessary and Republic Services, like Waste Management, will literally turn garbage into gold for shareholders 50 years from now. Anyone complaining about their portfolio being down 50% probably has too much tech and too little defensive. My overall portfolio currently stands at around -12%. That's OK in the current macro environment.

Which brings us to the subject of performance: $NKE0 and $DHR (-0.45%) returned around -39% at the end of March.

➡️ ETFs

They are also recording significant losses. It is important to remain calm and continue investing. Such phases are part of the game. I will not repeat further details.

➡️ Distributions

In March, I received 31 distributions on 15 payout days. I am grateful for this additional income stream. Everyone should build up such additional income.

This time, the distributions from my three large ETFs were not made on March 31, but in the first few days of April. This means that there should theoretically be 34 distributions. Numerous corrections and cancellations of dividends from REITs were not taken into account. With $O (-1.09%) , $OHI (-1%) , $LTC (-1.08%) and $STAG (+0.11%) there were therefore some cancellations and new dividend distributions. Although this was a major bureaucratic effort, it was usually a cause for celebration. This is because the REITs initially distribute dividends from current net income. If there are then corrections in the following year, it is determined that a distribution is also made from the already taxed retained earnings. This subsequently reduces the company's tax burden and I have noticed that I pay less capital gains tax and solidarity surcharge. So more cash in my pocket for reinvestment.

➡️ Cashback

In March, I received a small amount of income from an expense report, which I invested directly in my custody account. More on this under subsequent purchases.

➡️ Subsequent purchases

The additional purchases were financed from the expense report and, above all, from the bonus paid out by my employer. I am grateful for this, as my employer is not doing well at the moment.

I made numerous additional purchases in several ETFs that are in my small old portfolios. I invested smaller sums $GGRP (-0.62%) , $JEGP (-0.25%) , $SPYW (-0.62%) , $FGEQ (-0.6%) and $SPYD (-0.89%) and bought a larger sum in shares of the $IWDP. On the last Friday in March, I checked my portfolio and realized that, despite careful use of the surplus, there was more cash left than I had expected. I therefore made a small additional purchase in the $VNA (-0.59%) . For me, Vonovia (like the REITs) is a kind of hedge against my own rising rent.

➡️ P2P loans

With my last P2P platform, Mintos, there were no interest or redemption payments. I still intend to withdraw all funds where released. I would even accept a full write-off to get out of the platform. The remaining amount is no longer relevant to me.

➡️ Crypto

Crypto investors continued to experience significant volatility in March. The double top predicted by some does not seem to be materializing and the indicators do not currently point to a steep rise. I am studying the charting and the macro environment for crypto, although I still have a lot to learn here. Patience and calm are still required. I am sticking to my cycle strategy, the macro situation confirms me, so there is no need for me to take any action.

➡️ And what else?

I'm currently deepening my knowledge of AI. The posts on my Instagram channel that I published in March (and others that will follow in April) were created with the help of AI. I explained my approaches, beliefs about finance and the frugal lifestyle, and my goals to AI. The AI then created suggestions for Instagram posts, including prompts and allowing for a week break at the end of the month.

There is still a lot for me to learn. I am using AI more and more intensively and deeply in my professional and private life. While colleagues are happy that an AI can write emails for them, I use it much more extensively, for example to have technical content and its effects on departments and companies explained to me at work or to have economic relationships explained to me in my private life. In addition to ChatGPT, I particularly like Grok by X, as this AI always asks questions and thus enables a fluid conversation. The AI doesn't just reproduce facts, but also evaluates my ideas and classifies them, for example whether I should already use part of my nest egg to buy more quality stocks at favorable prices. Her suggestion was perhaps to wait until after the refinancing of short-term US government debt, when there might be less downward volatility in the market. This recommendation is based on my thesis mentioned above.

March was also a month of fasting for me, not for religious reasons, but because I want to and always intend to. I like to use the time after fasting to change my habits, adjust my diet and vary my sports units and routines. For me, this is particularly easy after fasting - the time afterwards generally feels like a new beginning.

➡️ Outlook

In April we will continue to see negative signs in the portfolio. I have now placed a limit order, which I hope will be triggered. The annual electricity bill is also due. I'm curious to see how much will be returned, the refund will certainly go into the custody account. It will also become clear whether I will increase my discount due to higher electricity costs. Until then!

Links:

Social media links can be found in my profile, you can also take a look at the Instagram version of my review.

Dear Community,

I am 25 years old and have been in the world of investing since 2022. I restructured my portfolio 1.5 years ago and opted for the $VWCE (-0.82%) with a 70% savings rate, the $GGRP (-0.62%) and the $FGEQ (-0.6%) each with a 15% savings rate. My goal is to save for retirement. At the moment I'm still studying and therefore can't invest large sums yet, but I still want to have a fixed strategy and keep feeding it as soon as I earn money and let it run until I retire. Lately I've been doing some more thinking and research and I'm generally satisfied. I know the ETFs have overlaps, but they complement each other to some extent, e.g. through a higher weighting of consumer staples stocks, which are weighted lower in the $VWCE (-0.82%) This is also reflected in a slightly better performance in the current market phase.

As I like dividend distributions but still don't want to lose out on share price performance, these ETFs have proven to be the right choice. As I would like to build up a monthly cash flow in addition to solid share price growth, especially for the future, which will pay for my Netflix subscription now and perhaps even my rent in the future, I am considering adding the $TDIV (-0.39%) to include in my portfolio. This would allow me to significantly reduce the US share again and diversify the sectors a little more. In addition, with the 3 distributing ETFs I would have a monthly payout, which I personally like - especially psychologically.

What do you think of this portfolio with the 4 ETFs $VWCE (-0.82%)
$GGRP (-0.62%)
$FGEQ (-0.6%)
$TDIV (-0.39%) with a 70-10-10-10 weighting for a holding period of 30+ years?

I look forward to your advice.

Many thanks and best regards from Mexico City.

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 (-0.62%)

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 (-0.68%) with finvesto.

In addition, €100 goes into two crypto savings plans every month. 65 flows into Bitcoin
$BTC (-1.88%) and €35 in Ethereum
$ETH (-2.68%)
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

Dear Community,

Yesterday you were able to help me quickly and effectively. I sold the tiny positions $MATIC (-1.68%) with a considerable loss and $ETH (-2.68%) with a small profit and set up a weekly savings plan on $BTC (-1.88%) set up a weekly savings plan.

In order to simplify and streamline the portfolio even further, I now have the following question for you...

To help you understand my portfolio better, here is a brief explanation:

The main portfolio (currently approx. 150k) is a core-satellite portfolio with 56% $IWDA (-0.62%) , 20% $GGRP (-0.62%) , 12% $WSML (-0.4%) and 12% $XMME (+0.06%) .

With just under 20k is still the $CSPX (-0.94%) in the portfolio.

I have also been holding a separate div growth portfolio (currently approx. 34k) with these stocks for some time:

$MMM (-1.13%) approx. 1500€

$MSFT (-1%) approx. 1400€

$ABT (-0.1%) approx. 3300€

$JNJ (-1.07%) approx. 2800€

$PEP (-0.49%) approx. 2700€

$PG (-0.62%) approx. 3300€

$TDIV (-0.39%) approx. 3900€

$WQDS (-0.7%) approx. 3850€

$FGEQ (-0.6%) approx. 3800€

$VWRL (-0.54%) approx. 3750€

$FUSD (-0.78%) approx. 3750€

I save the ETF fraction constantly, nothing should or will change.

I'm just wondering how I should structure the ratio of individual stocks from now on. Should I increase all individual stocks to 5000€ per position or all stocks except Microsoft to 6k? Any other suggestions or ideas? If I simply leave the individual stocks untouched, the money would go into the div ETFs in tranches.

Total TER at 0.22 (which is quite acceptable for me) - and the overlaps are known and also okay for me 😄

Once again, thank you from the bottom of my heart and have a nice rest of Sunday 😎

Best regards

EvD