My "Dividend every month" share savings plan. In February it was now 72 months ... 6 years 🤩😳
The portfolio stands at around €46,800. The total return (share price + dividend) is almost 39%. With the savings plan, the average annual return over the last 6 years is therefore currently around 11.1% - not bad at all for a savings plan 😅
$MSFT
$AAPL
#dividende
#aktien
#sparplan
#depotupdate
Depot review December 2023 - On the home stretch, 2023 was still able to make up for all the losses from 2022 and break the €250,000 mark 🚀
In keeping with the new year, there is also a new profile picture for the first time - an AI-generated elf who specializes in lembas and mithril trading.
But now to the portfolio update:
After November was already the second-best November of my investment career, December has now also gone into the books as the second-best. In total, a return of +3,2% for December.
This brings my performance for the year to +24,0% and was thus able to beat my benchmark, the MSCI World (+20.2%).
Tech stocks were the main winners in 2023. With almost +8.000€ is hardly surprising NVIDIA
$NVDA at the top. With +5,000€ and +4,000€ respectively then follow Palo Alto Networks $PANW and Meta
$META
Also Alphabet
$GOOG and Microsoft
$MSFT with each +3.000€ very strong this year
The main losers this year were healthcare, utilities, consumer staples and China. The biggest losers this year were:
In total I bought again in December for ~2.500€ in December.
In total, my portfolio now stands at ~252.000€. This corresponds to an absolute increase of ~€74,000 in the current year 2023. ~43.000€ of this comes from price gains, ~2.500€ from dividends / interest and ~28.000€ from additional investments.
Thanks to the strong November and December, all price losses from 2022 have been made up.
Nevertheless, it has to be said that the last two years were not profitable overall. The portfolio has actually only grown through additional investments.
Dividend:
Buys & sells:
With another extremely strong performance in December, my portfolio broke through the €250,000 barrier. This really exceeds my wildest expectations that I had a year ago or even in October.
At the beginning of the year, my year-end target was €220,000 and my best-case scenario was €240,000.
What investments did you make outside of the stock market?
In 2022 I bought a balcony power plant installed. This has given me around 600kwh this year, saving me electricity costs of ~€200. In relation to the purchase price, this corresponds to a return of almost 30%.
In 2024, the topic of renting is also on the agenda, so far only investments have been made here, but from 2024 rental income should also start to flow.
Outlook for 2024:
I am now assuming an above-average stock market year in 2024. If we really do see a soft landing and some additional interest rate cuts from both the Fed and the ECB, this should give the markets a further tailwind. Of course, you have to bear in mind that November and December have already priced in a lot, 10% should be possible in any case.
I therefore see my assets at ~€300,000 at the end of 2024. This is mainly due to the lower investments I plan to make in 2024.
Overall, my savings rate will probably fall from €2,500-3,000 per month to "only" ~€2,000. This is mainly due to some private expenses that will be incurred in 2024.
What are your plans & expectations for 2024?
#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy
Depot review November 2023 - When (stock market) Santa Claus got the month wrong and gave us the first green month since July 🚀🎅🎄
After the last 3 months closed with a negative sign, November ignited the turbo and gave me the third best month since 2021 (only July 22 and November 21 were even stronger).
In total, November was a strong +7,1%! If you think about it, that's an average MSCI World annual performance. In total, this corresponds to price gains of over €15,000.
In the current year, my performance is therefore +20,2% and was able to widen the gap to my benchmark, the MSCI World, again (+15.8%). As at October, my portfolio was still exactly on a par with the MSCI World at +12.2%.
Tech stocks were the main winners in November, no doubt fueled by inflation data and interest rate expectations. At the top of the list with gains of over €1,000 each were the shares of Palo Alto Networks $PANW NVIDIA $NVDA and Crowdstrike $CRWD In percentage terms, two of my absolute loser stocks, Block $SQ and Shopify $SHOP with +50% each.
On the losers' side, there was actually almost nothing in November, only Lockheed $LMT and Sea $SE recorded price losses of over €100.
In total, I bought in November for ~2.500€ in total.
In total, my portfolio now stands at ~241.000€. This corresponds to an absolute growth of ~€63,000 in the current year 2023. ~35.000€ of this comes from price increases, ~2.200€ from dividends / interest and ~25.000€ from additional investments.
Despite the extremely strong November, there is still a shortfall of almost €11,000 in price gains to make up for the ~€46,000 price losses from 2022.
Dividend:
-> My dividend income will therefore be around a quarter higher than in the previous year
Purchases & sales:
As hoped for in my October review post, we are currently seeing an extremely strong year-end rally. With further deposits in December, a December performance of just over 2% would be enough to reach the 250.000€ by the end of the year!
That would be a really strong performance, as my year-end target for 2023 was €220,000 and €240,000 in the best-case scenario.
In December, however, it's also time to look ahead to my plans for 2024. And for 2024, I've made a completely new commitment for the first time, namely to consciously reduce my monthly savings rate.
I would like to use a quote from Charlie Munger (RIP) in relation to the first 100,000 assets:
"It's a bit**, but you gotta do it. I don't care what you have to do - if it means walking everywhere and not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit."
In fact, by the time I was 30, I had already built up a fortune of well over €200,000. And fortunately without having to walk everywhere or use coupons, as mentioned in the quote.
Nevertheless, from 2024 I would like to treat myself to the luxury of setting aside part of my previous savings rate each month for the much-maligned lifestyle inflation inflation. Take a short trip more often, go to a concert, eat out...
I've never been a frugalist either, but instead of investing €2,500 per month in my portfolio, €2,200 per month might be enough. 300 are then transferred to a "fu** you money" account for whatever you want to use it for.
Otherwise, my securities account will be carefully reviewed in December: which shares will be sold in 2024? What will my savings plans look like from January?
Potential candidates on my watch list for 2024 include the following two:
The Munich Re as one of the few really very strong shares from Germany and Hermesas an even more luxurious alternative to LVMH.
Also a Pepsiwhich I have had in my portfolio for a long time, may be added as a savings plan.
What are your plans for 2024?
Depot review January 2024 - January continues to ignite the tea turbo 🚀
All good things come in threes. November was the second-best November since I started investing. December was also the second-best December. And what follows in January? The second-best January for me since August 2013, of course.
January saw a performance of +6,1%. Only January 2015 was even better with +6.7%.
Compared to my benchmark (MSCI World), this was an extremely good start to 2024. The MSCI World "only" gained 3% in January.
On the winning side were once again the usual suspects in January. The strongest position was once again NVIDIA $NVDA
with a gain of over €3,000.
The following positions were also occupied by the usual suspects with Palo Alto Networks $PANW ASML $ASML Microsoft $MSFT and Crowdstrike $CRWD
On the losers' side, there is also little new: In addition to Encavis $ECV and Block $SQ the main loser here is of course China with my China ETF $MCHS
However, the China ETF only accounts for ~2% of my portfolio in total. That's why I'm continuing to look at it for the time being. However, I have not made any additional purchases via a savings plan since January. For me, this is a classic hold position at the moment.
In January, I invested a total of ~1.300€ in total. As already mentioned in my 2023 portfolio statement, I will have to reduce my investments in 2024 for the time being, at least in the first half of the year. The reason for this is some private expenses.
As I also had to use some of my cash reserves for this, I only added ~€500 net to my assets.
Focusing purely on this key figure, January was one of the worst months in years - but monthly investments should pick up again in the second half of 2024 at the latest.
Purchases & sales:
In total, my portfolio now stands at ~268.000€. This corresponds to an absolute increase of ~€16,000 in January. ~15.000€ of this comes from price gains, ~140€ from dividends / interest and ~500€ from additional investments.
In absolute figures, January was the best month ever with the above-mentioned ~€15,000 price gains. I normally have to go to work for ~4 months to earn this money!
Dividend:
With the continued very positive outlook for Big Tech, I am optimistic that the target for this year (€300,000 by the end of 2024) should definitely be achievable. Even if I have to significantly reduce my investments compared to the last few years.
What are your favorites for this year?
After 2023 clearly belonged to NVIDIA, Meta, Novo Nordisk and Eli Lilly, I wonder who the big winners will be in 2024?
If you look at January, these stocks are once again at the top.
In my view, however, this cannot continue for the whole year and there will certainly be other winners.
Where do you see exciting long-term opportunities for the rest of the year?
#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy
#tech
How did your month of November go?
For me it was +5.6% Depot I & +6.08% Depot II.
Take a look at my portfolio update for the month of November. https://youtu.be/KC1w6sXZCOc
Financial greetings to the #beste
#community
#aktien
#depotupdate
#dividenden
Depot review September 2023 - September presents itself as always as a spoilsport and delivers the 4th negative September in a row for my portfolio
September is
is statistically the worst stock market month and also in the September 2023 this statistic proves to be true again.
In September my portfolio with -2.7%, my portfolio had a clearly negative performance. In contrast to September 2022 with -6.0% but a less bad development.
In the current year, my performance is thus only +14,5%but still above my benchmark (MSCI World +12.9%).
Nevertheless, this beats losses in the amount of ~6.500€ in September. in September. The biggest loser in September was NVIDIA $NVDA with over €1,100. Also Sartorius $SRT and ASML $ASML with a negative development.
On the plus side, there is not much positive in September, the best performance was still Amgen $AMGN with almost +8% and ~400€ price gains.
In total, I bought again in September for ~€2,500. In addition, there was a premium refund of over € 2,000 from my private health insurance for the year 2022 (this will be followed soon by a separate article including my investment strategy in relation to the private health insurance).
In total, my deposit thus stands slightly below the previous month at ~224.000€. This corresponds to an absolute increase of ~45.000€. in the current year 2023. ~24.000€ come from price increases, ~1.950€ from dividends / interest and ~19.000€ from additional investments.
Nevertheless, there is a shortfall of almost 15,000€ in price gains to make up for the ~38,000€ in price losses from 2022.
Dividend:
Purchases & Sales:
With October now follows a statistically positive stock market month, which, however, can also tend to very strong downward swings (1987, 2008)
On average, however, October is about +0.5%. In my portfolio, October was positive in 2022 and 2021, but negative in the 3 years before (2018-2020).
What do you guys expect for October and especially the 4th quarter? Year-end rally, sideways trend or yet again significantly lower prices?
Depot review August 2023 - The rainy summer 2023 is coming to an end, in the depot as well as in nature everything green. Will a red September follow?
The August 2023 was like the summer in general a rather mixed affair.
The portfolio stood in between at almost -5%, to then close at the end virtually unchanged
In August, my portfolio closed with -0,3% virtually unchanged. In contrast to August 2022 with -2.4% but a better development.
In the current year, my performance is currently +17,4% and thus still above my benchmark (MSCI World +14.8%).
In August, NVIDIA again $NVDA performed extremely strong with +7% / + 800€. In percentage terms, however, some stocks performed even stronger in August, right at the top with +18% each Novo Nordisk $NOVO B and Atlassian $TEAM
On the losing side, there were a few classics in August with, among others. $SE and Block $SQ - But both rather smaller positions. In addition, the uncertainties around China have also weighed on my China ETF $MCHS burdened with about 500€ price losses.
In total, there are almost 700€ price losses in August.
1,200€ were invested by me net, which results in a small absolute increase of just over 600€.
In total, my portfolio still stands at ~226.000€. This corresponds to an absolute increase of ~48.000€. in the current year 2023. ~31.000€ come from price increases, ~1.600€ from dividends / interest and ~15.000€ from additional investments.
Thus, there is still a shortfall of ~€6,000 in price gains to make up for the ~€38,000 in price losses from 2022.
Dividend:
Purchases & Sales:
September is now the worst of all stock market months and also the only one with a long-term average negative performance.
In the appendix you will find an analysis of the S&P 500 development from 1928 to 2022. While the months July, December, January and April belong to the best, the S&P 500 loses ~1% in September on a long term average..
Various studies have already looked into this, but have not found any real reasons for this underperformance.
So at least statistically nothing stands in the way of a slight correction in September - Also in my portfolio all 3 September since 2020 were negative, so let's see what this September will bring.
What do you expect for September?
#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy
Depot review April 2023 - The 200k cracked, at the end of the month again just under it
April is over and with it already a third of the year 2023 - madness, how fast time flies.
In the depot, April was the first negative month in 2023 with -0,7%. Compared to April 2022 with -4.8% the month was nevertheless significantly better.
(Fun Fact: April is generally considered to be the best month on the stock market).
Nevertheless, I was able to break the 200k mark for the first time in April after almost 10 years on the stock market. At the end of the month the portfolio closes nevertheless scarcely under it with 199,5k.
In the current year my current performance is +8,3% and thus above my benchmark (MSCI World +6%).
Dividend:
Purchases & Sales:
In the next month, Hershey will be added to the $HSY a new stock in the savings plan (consumer staples with growth prospects and a very capital market affinity - share buybacks & high dividend growth).
BASF $BAS is still very much on the brink of being sold.
How did your portfolio perform in April? And how long do you hold a stock in the savings plan before adding a new one?
#dividende
#dividends
#personalstrategy
#depotupdate
#performance
Depotrückblick February 2024 - Can the stock market only go up?
After November was the second-best November and December and January also joined the ranks, February 2024 is of course the second-best February for me since 2013.
In total, February was a strong +5,0%! Only February 2014 was even better at +8.1%. In total, this corresponded to price gains of ~13.000€ in February 2024.
In the current year, my performance is currently +11,4% and thus significantly above my benchmark, the MSCI World with "only" 6.8%.
Winners & losers:
The development of the winners and losers in February is particularly exciting, as not every tech stock is up and running.
On the winners' side the monthly groundhog called NVIDIA
$NVDA with share price gains of ~€3,600. But also Bitcoin $BTC
and Ethereum
$ETH were also at the forefront with price gains of almost €2,000 each. The top 5 close Meta
$META and TSMC
$TSM complete the top 5.
But also on the loser side there is a lot of tech. With Palo Alto Networks $PANW
Atlassian $TEAM and MercadoLibre $MELI however, mainly high growth tech stocks.
In addition Alphabet $GOOG and Amgen $AMGN
were weak.
The performance-neutral movements in February were only €200. Even though I bought in for ~€1,300, I sold 5 NVIDIA shares for ~€3,000 on the other side. You can find the reasons for this in the post from mid-February. I needed part of the €3,000 for private expenses and the rest is currently in the clearing account as cash.
In total, my custody account now stands at ~282.000€. This corresponds to an absolute increase of ~€30,000 in the current year 2023. ~27.000€ of this comes from price gains, ~330€ from dividends / interest and ~700€ from additional investments.
Dividend:
Buys & sells:
It's really exciting to see how the snowball has started to roll. I was only able to add €700 net to my portfolio in January and February, yet my assets have increased by almost €30,000 compared to the end of 2023.
Nevertheless, I hope that performance-neutral movements of at least €1,000 per month will be possible again from March onwards.
Target 2024:
My goal for this year is to break €300,000 in my portfolio. As my portfolio already stands at €282,000 as of February, I am well on my way.
I very much doubt that the stock markets will continue to rise so strongly and will soon enter a sideways trend. If my net inflows then increase again, I am optimistic that I will reach my target by the end of the year.
What are your expectations for March? Full speed ahead or will there be a sideways movement for the time being?
And which company have you been waiting a long time for a dividend? Berkshire, Amazon and Alphabet or someone completely different?
#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy
Depotrückblick October 2023 - Three red months in a row, October again with losses in the depot - But November with a strong start
After August and September had already spoiled my positive stock market year 2023, October is now the third consecutive month of losses. With -2,0% the month was less negative than September with -2.7%, but the month nevertheless ended with price losses of almost €5,000.
In the current year, my performance is therefore only +12,2%which is exactly in line with my benchmark (MSCI World +12.2%).
The biggest losers in October were again NVIDIA $NVDA and Sartorius $SRT with ~800 and ~900€ in price losses respectively.
On the winners' side in October, especially Bitcoin $BTC and Microsoft $MSFT and Lockheed Martin $LMT
In total, I bought in October for ~4.700€ in total. Of this, ~€2,100 came from the premium refund from my private health insurance, which I invested in the WisdomTree Global Dividend Growth $GGRP invested. I have also written a separate post about this.
In total, my portfolio is therefore again slightly below the previous month at ~222.000€. This corresponds to an absolute increase of ~€44,000 in the current year 2023. ~20.000€ of this comes from price gains, ~2.000€ from dividends / interest and ~22.000€ from additional investments.
This still leaves a shortfall of almost €27,000 in price gains to make up for the ~€46,000 price losses from 2022.
Dividend:
-> My dividend income will therefore be around a quarter higher than in the previous year
Buying & selling:
Even though October was another bad month, the first 3 trading days in November were all the better! In total, my portfolio has already made price gains of ~7.000€ and thus easily overcompensated for the losses from October. My portfolio currently stands at ~230.000€
I am curious to see whether the first few days of November signal the start of a year-end rally. Let's hope for the best!
With further deposits in November and December and a year-end rally of ~5%, it could be enough for me to break the €250,000 mark and thus the quarter of a million by the end of the year. So it remains exciting!
What do you expect for the remaining two months of 2023? Year-end rally or year-end frustration?
