8H·

Review of October 2025

My review of October 2025. Many thoughts and yet no solution.

There's also a question at the end of the article.

📈 Performance:

S&P500: +4.73%

MSCI World: +4.25%

DAX: +0.32%

Dividend portfolio: +1.13%

My high and low performers in October were (top/flop 3):

🟢 ($LLY (+1.29%) ) Eli Lilly +20.29%

🟢 ($MC (-2.06%) ) LVMH +17.59%

🟢 ($STAG (+0.51%) ) STAG Industrial +11.02%

🔴 ($CTAS (+1.84%) ) Cintas -8.41%

🔴 ($TXN (-1.05%) ) Texas Insturments -11.09%

🔴 ($RACE (+1.59%) ) Ferrari -15.71%

Dividends:

October 2025: €126.83

October 2024: € 147.55

Change: -14.04%

Sales:

🟥 None

Purchases:

🟩 ($ULVR (+0.72%) ) Unilever (8 pcs.)

🟩 ($WM (+2.41%) ) Waste Management (2 pcs.)

Savings plans:

($CTAS (+1.84%) ) Cintas (50€)

($MC (-2.06%) ) LVMH (50€)

($MSFT (-0.03%) ) Microsoft (25€)

What else has happened?

October was very quiet. Apart from a week's vacation and my birthday, nothing much happened. I used the quiet (and free) time to continue thinking about my nest egg. When do I fill it up and how much? Does it really have to be €10,000? How quickly should this happen or can I just save up slowly? What would be my safe-sleeping amount? Questions upon questions. I have also found many answers. However, I haven't really got any further because I can't make up my mind.

The current situation is as follows: The savings rate on shares will be reduced, and the special payment will not be included in the $XEON (+0.01%) (i.e. for loan repayments), but will also go into the nest egg. I have set the amount I want to save to €5,000. That would then be done. I'll be rebuilding again from January. Until then, I'm still working out how I can present it well and what I feel comfortable with. I can still save the amount for the loan, as long as I plan a monthly savings amount at some point and don't just use the special payments.

🥅 Goals for 2025:

Deposit of €10,000 and thus a custody account volume in the share portfolio of ~€73,000

Target achievement at the end of October 2025: 77.94%

If everything remains/becomes as planned, I will not reach my personal target. But if I don't change my mind again (which would result in a lower nest egg) or get a windfall for Christmas, then I don't see any more options at the moment.

How would you solve my "problem" with the nest egg? How would you decide?

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11 Comments

Epi@Epi

What problem? You wrote that it would be answered with 5k and thus solved. 🤷

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Ella M.@DividendenWaschbaer

@Epi Thanks for the answer. That is correct. However, the question remains as to whether I should continue to fill up the nest egg quickly in order to get to €10,000 after all, or whether I should fill it up more slowly and switch the fixed savings rates for shares back to normal instead of reducing them.
I'm currently relatively happy with my plan as it stands. But maybe someone has other ideas / food for thought / justifications, etc.?

Edit: However, the problem is also in quotation marks ;)

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Paul@paul_finesse_

@DividendenWaschbaer I would say that it depends on the current lifetime (house or apartment; car available or not, which job etc.) so you could already have a rough plan where costs could be more or less and how much they could affect me personally.

In my case: currently a dual student for 5 semesters, renting an apartment and possibly buying a car next year. My nest egg is around €10,000, which I already have in a call money account.

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Ella M.@DividendenWaschbaer

@paul_finesse_ That's right. I had already mentioned this to some extent in previous reports, so I won't repeat it here, but of course you're right.
It's a house, car is available and necessary, job is secure.

With your nest egg, you're definitely well protected, I think. Of course, you have to buy a car. For my part, I would like to have a nest egg or let's say a reserve of €10,000. In fact, I think I can get by with €5,000, i.e. for the bare essentials. Just for a nest egg. If the car breaks down, then even €10000 would probably not be enough.

But you've got me thinking. What do I really need and where could costs arise? A good approach. Thanks, I hadn't really thought about it that way.

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Stocktective@Stocktective

@DividendenWaschbaer I would also say first evaluate the current situation and find out what risk is okay. For example, I completely liquidated my nest egg during the correction at the beginning of the year, as special payments were in the pipeline and the chances of needing a higher nest egg were/are pretty much zero.

At the moment it has also only grown back to around 1.5k, so I don't see any real reason to build up more again quickly. But I'm also aiming for around 4-5k, which will slowly be topped up each month.

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Paul@paul_finesse_

@DividendenWaschbaer gerne 😉

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Ella M.@DividendenWaschbaer

@Stocktective Interesting. Thanks for the information. I had a pretty hefty back tax payment the last few months and then I had to get new brakes for the car. That really hit the fan. My nest egg is now back up to 1.7k. I also think/hope that there's nothing more to come. But who knows. :D

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Stocktective@Stocktective

@DividendenWaschbaer You can't be sure of anything :D But the way you describe it, it fits. I don't know how much the special payment amounts to, but then you'll probably be back at 5k pretty quickly and if you feel comfortable there, I'd move on to something else first. You can decide later whether it should be more or not, if necessary simply add any surplus money at the end.

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Ella M.@DividendenWaschbaer

@Stocktective You're right about that. Ultimately, you should always do what you feel most comfortable with.

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Epi@Epi

@DividendenWaschbaer Objection! You should always do your best. It's not always what you feel most comfortable with. 👍

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Ella M.@DividendenWaschbaer

@Epi You're right, of course.

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