$MSFT (+0.18%)

$MA (+0.77%)

$BATS (-1.99%)

$BTC (+1.14%)

$ETH (+1.56%)

$SOL (+1.13%)

$XRP (+1.05%)

Spotify

https://open.spotify.com/episode/0w9Aff2JUG2emrUcXw3bQ2?si=OVHXR8ifRkCRc_1U7fYVQg

YouTube:

https://openyoutu.be/s7TBA0TxFLo

Apple Podcasts

https://podcasts.apple.com/de/podcast/153-microsoft-mastercard-bat-bitcoin-steuererh%C3%B6hung/id1695869891?i=1000776130970

A quick note before we begin: I’ve significantly shortened the entire post to make it easier to read. Going forward, you’ll only be able to find some of the key metrics in my YouTube video or on Instagram. I’ve also completely removed the outlook section and the narrative text in between.

I hope you like the shorter version. 😊

I’ve had an eventful month! While things were relatively quiet on the markets, I was able to celebrate some real milestones in my passive income. My financial journey has been solid, calm, and steadily upward, just like hiking in Saxon Switzerland. When the foundation is right and your habits are in place, the daily market noise loses all its fear.

Here are the hard facts and all the key metrics from June:

Portfolio Performance: Stable Returns & Beat the Benchmark 📈

Total performance (TTWROR):
+0.57% for the reporting month (96.80% since inception)

Internal Rate of Return (IRR):
+0.79% (+12.29% since inception)

Delta: A hefty gain of +778.41 €

Benchmark comparison with the TTWROR of the following ETFs:

$VWRL (+0.92%) : -0.33%

$VUSA (+0.99%) : -0.41%

$IMEU (+0.09%) : +3.22%

Largest individual stock positions by volume as a percentage of the total portfolio:

$AVGO (+3.7%) : 2.78%

$WMT (-1.41%) : 1.62%

$GOOGL (-1.03%) : 1.54%

$CSCO (+4.13%) : 1.50%

$FAST (-0.35%) : 1.42%

Smallest individual stock positions by volume as a percentage of the total portfolio:

$GIS (-1.3%) : 0.43%

$NKE (-0.28%) : 0.43%

$NOVO B (+0.16%) : 0.49%

$CPB (-2.17%) : 0.49%

$BATS (-1.99%) : 0.57%

Top-performing individual stocks

$AVGO (+3.7%) : +332.73%

$GOOGL (-1.03%) : +134.74%

$CSCO (+4.13%) : +115.98%

$WMT (-1.41%) : +94.59%

$OHI (-1.12%) : +88.06%

Worst-Performing Individual Stocks

$NKE (-0.28%) : -50.39%

$GIS (-1.3%) : -47.00%

$CPB (-2.17%) : -36.10%

$NOVO B (+0.16%) : -20.48%

$DHR (+2.77%) : -18.41%

Asset Allocation

ETFs and stocks are not quite balanced yet.

ETFs: 43.7% (previous month: 43.4%)

Stocks: 56.3% (previous month: 56.6%)

Investments and Additional Purchases

Planned savings plan amount from fixed net salary: €1,080

Savings rate of the savings plans as a percentage of fixed net salary: 50.60%

Planned savings plan amount from fixed net salary, including reinvested dividends based on plan size: 1,200 €

Additional purchases from various sources: €392.83. This is offset by sales of €286.36 this month (portfolio rebalancing $FDXF (+7.94%) into $FDX (+0.37%) ).

Passive income from dividends and ETF distributions

Dividends and ETF distributions: €174.33 (€152.30 in the same month last year

Change from the same month last year: +14.46%

YTD dividends and ETF distributions: €1,088.83

Annual target: €2,100

Target achievement: 51.85% (Target: 50.00%)

Risk Metrics

Maximum drawdown in the reporting month: 1.15%, since inception: 17.17%

Maximum drawdown duration in the reporting month: 10 days; since inception: 702 days

Volatility in the reporting month: 1.72%; since inception: 28.79%

Sharpe Ratio, for the reporting month: 5.53, since inception: 0.42

Semivolatility, for the reporting month: 1.01%, since inception: 21.33%

Thank you for reading. 🚀

Now please leave me a comment. Is this summary helpful? Is there anything you think is missing? Let me know.

👉 This review is also available as a YouTube video and as Instagram carousel posts, which will be published as follows:

July 8, 2026: Portfolio review on Instagram (performance metrics, stock performance, allocation, sectors, additional purchases, and performance comparisons)

July 9, 2026: Budget review on Instagram (income, expenses, cash flow, ratios, budget adherence, and basic income check)

July 10, 2026: Cash flow review on Instagram (overview, YTD, and actual vs. target comparison for passive income, my top dividend payers, FIRE number, and capital reach)

Sometime during Week 28: Consolidated monthly review on YouTube

📲 You can find regular videos, Shorts, Reels, and carousel posts on the topics of frugalism, mindset, and investing at @frugalfreisein on Instagram and YouTube.

Please pay close attention to the spelling of my alias. Unfortunately, there are too many fake and phishing accounts on social media. I’ve already been “copied” several times.

Hi everyone,

What do you think of my portfolio? First, a little background info:

About me: I’m in my mid-30s and have been actively trading on the stock market for over 12 years now. So I’ve experienced several market booms and crashes from an investor’s perspective :D

About the portfolio: I follow a core-satellite strategy with additional “income satellites.” The income satellites are used to generate income with the goal of creating a monthly cash flow, which I mainly use for additional purchases to keep the portfolio balanced.

Core: $XDWD (+0.78%) World ETF, $IMEU (+0.09%) EU ETF, $XMME (+0.95%) Emerging Markets ETF, $TDIV (-0.04%) VanEck TDIV

Satellites: $NVDA (-0.51%) NVIDIA, $MSFT (+0.18%) Microsoft, $GOOGL (-1.03%) Alphabet, $AMZN (+1.16%) Amazon, $HO (-3.78%) Thales // NVIDIA and Alphabet are currently being built up. The positions will both be doubled.

Income satellites: $D05 (+0.74%) DBS Group Holding, $KO (-1.01%) Coca-Cola, $BATS (-1.99%) BATs, $O (-0.05%) Realty Income, $VICI (-0.65%) VICI Properties

Others: Small positions for shorting and speculation. (Amgen, Vertex, SpaceX, BTC, Ethereum, ...)

Feel free to share your thoughts :)

...besides $BATS (-1.99%) and $3750 (+3.07%) the next value has now also -> $HAUTO (-1.97%) the 100% mark 🫠

$BATS (-1.99%)

Hello,

I have received a letter from Diba saying that I can join a class action against BAT.

What is it about?

Is it serious?

What do I have to do?

Maybe it's the most boring portfolio here on GQ when my first doublers are just the $ING (+1.08%) & $BATS (-1.99%) are... I started investing in 2023, before that I only tested the $EQQQ (+1.59%) and yes, if I had put 100% in there in 2020 and not let it run in the savings plan, it wouldn't be 94% now but a good 400% profit, but you're always smarter afterwards :-)

3 possible reasons:

1) A US federal judge has finally dropped the criminal proceedings for North Korea sanctions violations.

BAT had paid around 630 million dollars in 2023.

2) Competitor $IMB (+0.25%) is currently deliberately losing market share; the company would rather increase prices than defend volumes. What Imperial leaves behind, BAT can take with it.

3) On top of this, the 1.3 billion pound share buyback program is still running. BAT is continuously buying back its own shares and destroying them. Fewer shares in circulation means that every remaining share automatically becomes more valuable.

Over the year $BATS (-1.99%) is therefore +54%.

I am bullish and will be delighted when we break the ATH from 2016/17.

What is your opinion on BAT?

Happy smoking 🚬

After much deliberation, I have decided $BATS (-1.99%) 🤑😬 to get rid of the two $MUV2 (-0.99%) & $ROP (+0.21%) each went into the depot.

With 72% and 93% profit respectively, approx. 32% p.a.📈 more than previously expected.

It was also one of my first investments at the time, still with BitPanda, so it was just a derivative.

I see the two new players in the portfolio as very solid companies in their fields and will improve my portfolio in terms of diversification in the INS and HC areas.

Some 'ash' has fallen off the cigarettes. 😉