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My investment strategy 2025

Mister_ultra · 2025-01-14T09:36:43.891392Z

Nach zwei extrem guten Börsenjahren steht das Jahr 2025 unter besonderer Beobachtung. Kann es nach 2 Jahren mit über 20% Kurssteigerungen noch weiter nach oben gehen? Wie wirkt sich Trump auf die Börse aus? Liberale Poltik vs. Zölle? Inflation und Zinsentwicklung - Senken die Notenbanken weiter oder kommt die Inflation zurück? Was sich nicht ändert ist meine grundlegende Investmentstrategie. Ich werde weiterhin in Dividendenwachstumswerte investieren und jeden Monat per Sparplan kaufen - Unabhängig von sonstigen Einflüssen und Entwicklungen. Investitionssumme: Privat steht mit dem Hausbau ein großes Thema an. Daher wird meine monatliche Sparsumme in 2025 deutlich niedriger ausfallen als in den vergangenen Jahren. In den letzten Jahren lag meine Sparsumme meistens bei 1.500€ bis 2.500€. Diese werde ich nun erstmal deutlich auf ca. 700€ im Monat reduzieren. Der Rest fließt erstmal auf ein Tagesgeldkonto, um für Mehrkosten, Küche, Möbel und Co Geld anzusparen. Ich bin mir aber absolut bewusst, dass 500-700€ immer noch eine sehr hohe Investmentsumme pro Monat darstellt. Ca. die Hälfte (250€) stammt bereits aus Dividendeneinnahmen, die ich wieder investiere werde. Investmentaufteilung: Auch in diesem Jahr wird der Großteil meiner Investments wieder in Einzelaktien fließen mit der folgenden Aufteilung: Ich werde weiterhin die USA übergewichten und Europa (vor allem Deutschland) untergewichten. Mein Hauptfokus liegt darüber hinaus weiterhin auf den Sektoren Technologie und Pharma mit fast 50%. Hier sehe ich langfristig weiterhin das größte Wachstum - Sowohl für Umsätze, Gewinne als auch Dividenden. Veränderungen an den Sparplänen gibt es erstmal nicht. Ich werde vorerst keine neuen Aktien aufnehmen und besparen. Darüber hinaus investiere ich die Nettoersparnis aus der privaten Krankenversicherung gegenüber der gesetzlichen Krankenversicherung weiterhin in den WisdomTree Global Quality Dividend Growth $GGRP In Summe sind das ca. 90€ pro Monat + die Beitragsrückerstattung von einmalig über 2.000€ für das Jahr 2024. Die vermögenswirksamen Leistungen meines Arbeitgebers fließen in einen MSCI World $XDWD bei finvesto. Zusätzlich fließen jeden Monat 100€ in zwei Kryptosparpläne. 65€ fließen in Bitcoin $BTC und 35€ in Ethereum $ETH Dividendenerwartung: Auch für dieses Jahr rechne ich mit ca. 15-20% mehr Dividende als im Jahr 2024. Das würde in Summe Dividenden in Höhe von 3.300-3.500€ für 2025 bedeuten. Wie sieht euere Investmentstrategie für 2025 aus? #aktien #etfs #dividend #tech #personalstrategy

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 (+1.42%)

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 (+2.01%) with finvesto.

In addition, €100 goes into two crypto savings plans every month. 65 flows into Bitcoin
$BTC (+2.61%) and €35 in Ethereum
$ETH (+3.59%)
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

17 Comments

beautiful portfolio.

i like your strategy very much as i have a similar strategy. about 70/30 dividend stocks, only one-off purchases, no savings plans and purely equities without ETFs. main focus also on the USA and mostly blue-chip companies.
just started investing much later. most of the money was invested at the end of 23/beginning of 24 so performance is still limited.
as a beginner I also sold too early/buy too late...
but after 1.5 years I received almost 20% and 3000€ dividends.
in year 25 i will collect over 5k in dividends.
with a portfolio value of just under 300k and an age of 35, i consider this strategy to be a good one for me, even with a view to prices that are no longer as profitable as the last two years, i have more or less decided on this mix in order to have a positive cash flow even in bad times.

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Mister_ultra@Mister_ultra

@1Chrischi1 Wow, over 5k in dividends is of course a real house number! I'll need another year or two :D

I can really understand your point about bad times. In 2022 there were only red figures in the portfolio, but the dividends still came in regularly. Then even a bad year on the stock market is still fun.

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Floriano@FlorianoPerlini

beachtlich

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Kalle@Brazzo_Muc

Similar to you, I will continue to run my ETF savings plans and buy individual shares as the situation demands. Due to my wife's children and parental leave (and my own), I have to reduce the monthly sum from €2,500 to €1,500. In addition, most of the dividends will be reinvested.

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Mister_ultra@Mister_ultra

@Brazzo_Muc absolutely understandable! Whether it's children or, in my case, building a house. There are times when the savings rate simply has to be reduced.

But €1,500 despite the circumstances is really remarkable. Congratulations (especially on having children, of course! :))

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Mischko@Thefox

Lots of quality in the portfolio! Next so💪🏼

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Mister_ultra@Mister_ultra

@Thefox Thank you, but there was also a major portfolio clean-up to raise equity. A lot of things were thrown out without quality.

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Tenbagger2024@Tenbagger2024

Many positions and still a good performance

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Mister_ultra@Mister_ultra

@Tenbagger2024 probably either lucky or have a high correlation with each other despite the many positions.

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Tenbagger2024@Tenbagger2024

@Mister_ultra
You also picked a few good stocks. And certainly found a good entry point

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Mister_ultra@Mister_ultra

@Tenbagger2024 Absolutely. I bought a lot of NVIDIA in particular via a savings plan from 2020 to 2023, at much lower prices. Palo Alto Networks has also performed extremely well.

Let's see where the journey takes us over the next few years.

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Tenbagger2024@Tenbagger2024

@Mister_ultra
You are a good investor

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Antek@ewyyy

21H

Great performance

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Felix118@Felix118

20H

I significantly increased my eu small dpa share last year and have already had very good success with it. Are small caps out of the question for you?

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Mister_ultra@Mister_ultra

29Min

@Felix118 That's a very good question. Small caps is mostly an ETF topic and since I prefer to invest in individual stocks, the topic of small caps is usually left out.

Besides, I always think to myself: the really good small caps are not on the market for long, but are bought by some large cap.

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Charmin@Charmin

11H

It all makes sense in my eyes. For me, there would be a bit too many values, but I think that's still within reason.

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Mister_ultra@Mister_ultra

30Min

@Charmin I totally understand the objection.

Unfortunately, there are too many exciting stocks :D

But seriously, I usually try to cover my favorite sectors with two companies and there are usually enough different subsectors. Take healthcare, for example: there's plenty of scope between pharma, biotech and medical technology.

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