Investment strategy Ü65 - Your help

Moin dear #community,

for some time I have been concerned with the investments of my father (65), who will retire next year.

According to his generation, he has without a clear strategy a wild portfolio of #einzelaktien and very expensive #fonds of all kinds heaped together on the recommendation of third parties. We have sold a part of it in the last months, so that now we have #cash in the amount of approx. 100k has become free.💸

Since I am not at all familiar with investment strategies in this age bracket, I wanted to ask for your input.

As a retiree, how would you invest the freed up cash?

My thoughts on different classes are as follows:

• Stocks/#etf: Possibly currently overheated and at his age you have to consider the holding period. But a part could perhaps be put into a distributing ETF or individual #dividendenaktie give (?)
• #anleihen: Don't know much about this, but could be relevant as we sold the expensive blend funds and he no longer has lower risk bonds in the portfolio. With more rate hikes expected, bonds could go down further. Maybe a bond ETF savings plan (?) is worthwhile.
• Time Deposit (6-12 months): The only recommendation I could give him in good conscience
• Other #immobilie: Don't think he wants to go through the stress again in his old age....

PS on his current investment portfolio : With home and two apartments, most of the assets are in real estate. 50-70k are currently invested in individual stocks/stock ETF, the rest is - as mentioned - cash.

Looking forward to your input! <3

#strategy
#rentner
#help

Saturday question round👋

Hello stockbrokers,

I have a question for the single share - shareholders:

Why do you invest in single stocks?(99% of investors will not outperform the market outperform the market and 75% of the fund managers don't make it either!)

If you look at this over decades, the probability decreases further!

Looking forward to the exchange in the comments!

PS: Also invest in individual stocks, but will respond critically to your comments in this post :)

#aktie
#aktien
#depot
#fed
#einzelaktien
#stocks
#dividend
#finanzen
#aktienfoxx

$AEP Brief introduction

American Electric Power

When the Central Power & Light Company was founded, American Electric Power was also founded in 1906. After several mergers, AEP is the result of the merger of CPL and OFS (Ohio Fuel Supply Company) in 1988.

Today, AEP is one of the largest electricity suppliers in the USA. The company operates a network of around 40,000 miles of overhead power lines and supplies more than 5 million customers in 11 US states (see picture).

The company's CEO and Chairman of the Board is Nicholas K. Atlins.

Sector: Utilities

AEP is an electricity supplier and therefore operates in the energy sector. The company is highly regulated and depends on the political and social environment. Following increasing energy demand in recent years, AEP is constantly trying to adapt new technologies.

AEP is divided into 4 business units.

AEP Transmission: Responsible for the operation of 40,000 miles of transmission lines and distribution from the power plants to the distribution companies and other businesses.

AEP Generation Resources: Providing reliable, affordable electricity generation from a variety of power plants using coal, gas, wind, hydro and solar energy.

AEP Distibution: Distribution operations that make it possible to deliver energy directly to customers.

AEP Energy Partners: Development of alternative energy sources. Provides technology solutions to meet the energy needs of large corporations.

Competition:

Duke Energy Corp. $DUK

NextEra Energy $NEE

Dominion Energy $D

Also all large energy suppliers competing with each other for customers and market share.

Data 2023:

P/E RATIO: 14.47

P/E RATIO: 1.96

Expected turnover: approx. $20 bn.

Expected profit: approx. $2.7 bn.

Dividend: $3.17 (4.3%) over 4 payouts pa.

The dividend was first paid in 1986 and has been steadily increased since 2003. If it continues like this, the next Aristrocrat @Simpson 😉

Source:

http://www.aep.com

http://www.eulerpool.com

http://www.seekingalpha.com

http://www.alleaktien.de

http://www.getquin.de 😁

#vorstellung
#energie
#einzelaktien

Hello folks,

I wanted to ask what your opinion is regarding dividends. Would you rather bet on a pair of single dividend stocks in the long run (&gt;20years) or on 1-2 good dividend ETFs. I am undecided because I want to have a safe performance in the long run but also good dividends. I am curious about your answers.

#dividend
#etfs
#aristokraten
#einzelaktien

#jahresrückblick of my first year on the stock market:

With a #performance of approx. 5.5% my portfolio only generated about half the YTD of my MSCI World position ↔️. In hindsight, my first year on the stock market was characterized by the motto "The proof of the pudding is in the eating", I tried my hand at #etfs
#einzelaktien
#anleihen
#optionen and more - but learned a lot in the process.👨‍🔬

All in all, I am still extremely satisfied🎈

Despite some costly mistakes and many trades (incl. Gebühren😵‍💫), the performance is positive and I will break the first #meilenstein of €20,000 in January. My resolutions for the new year include reducing my trading volume to <80 (excl. savings plans), increasing my ETF allocation to 65%+ and reducing my positions without fail.

Here are a few more insights 📊

Top performer: $CRWD (+95%)

Flop Performer: #creditsuisse (-63%)

Current savings rate800€/month

Number of positionsapprox. 40 (30 individual shares)

It remains for me to wish you all the best for the new year 2024. Let's see what happens! 🚀

Good day to all,

I assume that (at least) 2024 will be a good year for buying (still tense geopolitical situation, economic stagnation/slight recovery but no upswing, critical elections USA).

I currently have my eye on 10-15 stocks that I would like to finally bring into my long-term passive portfolio.

Therefore briefly asked for the experience / estimates of experienced investors: does it make sense to use the 500-600€ per month for savings plans to build over two to two and a half years the positions with target sum 1000€ each, or, second option, to make individual purchases?

In my opinion, the favorable prices (according to my crystal ball) in 2024 (fluctuations / exceptions excluded) speak for the former. In addition, so of 1000€ total amount in the worst case about 400-500€ per position can still be built up in the time in which the economy / political tension currently offers favorable rates, so as to be able to take any price jumps in 2024 (if the stock market but creates a recovery).

As far as I know, the only argument in favor of individual purchases is the opportunity to enter at a very favorable price depending on the security (to be able to assess/use the "right time to enter").

For tips & suggestions I am very grateful in advance - also for the time spent per comment I thank you very much in advance. ✌️

Good luck & a good start into the new week.

#sparplan
#einzelaktien
#growth

not concluding excerpt of the forced long term deposit:

• $BLK
  
• $ALV
  
• $MBG
  
• $RIO
  
• $KO