Canadian Pacific Railway

The trees are already green in all their glory, it's getting significantly warmer again and the Easter bunny has long since done his job. More people are taking advantage of the good weather to go hiking and the first home-grown tomato plants have been sold. Time for a look back at April.

➡️ Shares

As an analogy to shares, Beate Sander once said that she doesn't let her best horses out of the stable, and I see it the same way when it comes to shares. The tax consequences would be too disadvantageous for me just to take profits. In terms of volume $WMT (+0.92%) has returned to third place in terms of volume, and the following places in the top league don't show any major change either. These boring shares, such as $FDX (+0.44%) , $NOVO B (+1.64%) , $FAST (+0.91%) , $NFLX (+0.56%) and so many others appeal to me. They grow steadily and generate sales, pass on the cost increases to the end consumer and just keep digging their moat. Even the back seats, the $HTGC (-0.31%) or $CP continue to fit into the concept for me.

Looking at the performance makes me proud of my rockets $AVGO (+0.45%) and $NOVO B (+1.64%) which can boast more than +100% performance. Also $NFLX (+0.56%) is up almost 75%, a share that many people wrote off not so long ago.

And my flops? $DHR (+0.7%) , $SBUX (-0.01%) and $NKE (+1.61%) are my 3 stocks with -20% to -30% price performance. That still leaves me cold. Starbucks stores are still well stocked, Nikes are still selling and Danaher will continue to find sales for its biotechnology and diagnostics products.

This month I have again bought individual shares of $HTGC (-0.31%) to further increase the income stream.

I am focusing on the dividend growth strategy, but also have stocks that pay out nothing or a lot, as there is not only black and white, but also many shades of gray in between.

➡️ ETFs

This month, €133 from refunds, expenses and cashback from Payback went into the $ISPA (-0.2%) and the $IWDP (+0.75%) . I see better times ahead for both dividends and real estate. We still need to be patient until this sticky inflation is over. That will take some time yet. But that suits me. Favorable entry prices are perfect for building up assets.

➡️ Dividends

I received 22 distributions on 7 payout days. This is a good result for a month that is poor in dividends for me.

➡️ Cashback

REWE had another great Payback campaign. They gave 20% back for redeemed points. I like to call Payback a money-printing machine because of promotions like this. Every cent counts when building up your wealth. So I redeemed the equivalent of 26 euros in Payback points at REWE and immediately moved them from my grocery account to a clearing account in line with my cashback pension strategy. Again, more money to invest instead of spending it. I also received a voucher from Penny for €5, which I will redeem in May. Payback is currently running another campaign with multiple points vouchers.

Mother Nature provided me with beer bottles as cashback while I was hiking and on my way home from work. The full deposit bottle bag will be taken away in May. It's not a lot of money, but at least a little more for the depot than planned.

➡️ P2P loans

In April, only interest and repayments were paid out at EstateGuru. I deducted all cash balances from all platforms. It was 20€. Better to have than not, they were included in the ETFs I bought.

➡️ Crypto

I sold my first home-grown tomato plants at the end of April. I used the proceeds to buy $SOL (+1.47%) bought tokens. Why? Solana will be the only coin that I will not sell tax-free and I also see greater potential for price appreciation here. In contrast to $ETH (-2.23%) it is performing. But this is not investment advice, I could be wrong. Otherwise I'm in a "beware" position with regard to my strategy and will wait and see.

➡️ Mail from the landlord and compensation

My landlord, a municipal housing association in a large city in eastern Germany, has recommended that I voluntarily increase the advance payment for hot water and heating due to increased producer prices, expiring state subsidies and the expiring reduction in VAT. According to my calculations, I can expect a cost increase of €9 and €17 per month. As my reimbursements from the utility bill are decreasing over the years, I have decided to increase the advance payment for hot water and heating by €15 from June 1.

This way, I can secure the refunds for the next few years, which I always use to make additional purchases. This means that in future my warm rent will be 19.5% of my net salary with a travel allowance from my employer. Living at €409.96 warm in my 49 m² prefabricated apartment is still very cheap, without a doubt. I think many others can only dream of that.

At the same time, my municipal utilities have reduced the price of electricity considerably. According to Check24, there are two cheaper providers, but I've never heard of them. My working price is now even cheaper than that of other well-known providers such as Vattenfall. The annual electricity bill I received in April included a €147 refund, so it was now time to reduce my advance payment. The increase in the above-mentioned ancillary costs was offset by further reductions in my flat-rate provisions. I can still maintain my investment rate from my net salary of €1,000 and I'm very happy with that.

➡️ Outlook

There will be more dividends again in May thanks to my German payers $SAP (+0.32%) and $DHL (+0.59%) . I also hope to receive my income tax refund. Have a great month of May. Don't forget your mothers.

The old year is over, the new one has long since begun. It's quiet outside again, no more flash-bangs to be heard. The only thing missing is snow and something that used to be called "winter". Time for a depot review of the past December 2023. As always, I will proceed in the usual order.

➡️ Shares

What a month it was! Even after a strong November, December went really well! The stock market tailwind that started in November continued in my portfolio. Great!

With the refund from the credit balance from the utility bill and some Christmas money from the family, I had $LTC (+0.3%) and $VNA (+4.13%) made additional purchases. I am firmly convinced that both stocks, which have certainly taken a battering, have upside potential again. This is not investment advice, a recommendation or anything similar, but merely my opinion. Both stocks have suffered from the interest rate environment. Personally, I expect a gradual reduction in interest rates in the future. As a result, I expect REITs and real estate stocks to recover. These will not be price rockets, but stocks that recover slowly and steadily. Vonovia has already been given the fight upwards. The portfolio has been slimmed down and the debt burden is falling. I think my speculation will work out. With $LTC (+0.3%) the same way, this stock is still interesting for dividend strategists as a monthly payer, even if $O (+0.87%) is certainly the better known stock. I'm sure some have also bought in.

At the top of my list of the largest positions in terms of volume are still $AVGO (+0.45%) , $MSFT (+0.28%) and $FAST (+0.91%) . $FDX (+0.44%) has fallen compared to the previous month. But that was to be expected for me, in times of inflation people are a little more cautious when shopping online and business customers are also trying to save money. Perhaps one less package? Perhaps a USB dongle with contents can be omitted and the contents can be sent digitally from A to B? Otherwise there are no major changes for me here, the usual suspects of the last few months are leading the portfolio in terms of volume and there is now some calm in the varied competitions of the previous months.

In the cellar, sorted by volume, I still have the $DHL (+0.59%) and $CVX (+0.49%) . They are definitely both hot buy candidates for me. I won't go into any more detail now, as I have made my opinion on oil known in recent weeks. 🛢️🤑

Incidentally, DHL is back on the plus side for me with a directed entry price; my very first tranche was also very high here before the fall. That makes me happy, step on the gas dear "yellow giant".

Now has also slipped $NKE (+1.61%) to third last place. It's a shame that I don't have any spare cash right now to buy into the dip. I firmly believe in the company, even if the competition here is fierce, there is a certain amount of pressure from the counterfeiting industry and consumers are perhaps more likely to opt for a cheaper brand or generally consume less due to inflation and cost of living pressures.

By the way, there is still $CP as a real corpse in the depository cellar, simply because #TR no prices are displayed. I only see a price for #getquin
$VLTO WI (-0.49%) but I don't include it in my analysis; the position will be sold in any case as soon as the minus suits me. Proceeds are currently going into the $DHR (+0.7%) position.

If I look at the performance, the picture is similar to that of the previous months. $AVGO (+0.45%) with +90% and $NVO with +80% and more. The tide lifts all boats, so the worst performance in my portfolio has now finally slipped over the -20% mark with $GIS (+0.79%) . Very close by $CPB (+0.8%) . Again, these are both great stocks for me, readers of my posts know that I also have a soft spot for the food industry and retail. In general, I'm finding that the Red Lanterns of mine are less and less dark red. I'm wondering whether this is just an effect of the end of the year, whether I've already reduced the price of my entries by purchasing savings plans, or whether my long-term savings are already bringing my performance closer to a long-term average. I'll be keeping an eye on this over the coming months.

Now for a first. For the very first time, I am also giving you information about the number of dividend payments. I was able to record 25 dividend payments in my share portfolio. That's a great thing, something I could never have dreamed of 3 years ago (and more).

As usual in December 2023, the dividends (including ETF distributions) were again somewhat more generous and showed an increase of 152% compared to December 2022. I am very satisfied with this. For me, December 2023 was the third-strongest month for passive distributions in the past calendar year. That fits! Of course, everything will be reinvested to accelerate dividend and portfolio growth.

➡️ ETFs

The clockwork is running! ETFs naturally also felt the tailwind of the stock market. They do exactly what they are supposed to do. "The easy way" for independent retirement provision.

Saving a portion of your net salary regularly in broadly diversified ETFs is the least everyone should do. This is no longer an option, but a lack of alternatives. Anyone who relies on the state pension is a fool, there is no other way to put it in view of the serious situation and demographic change! Even if you only start with $25 a month, that's a crucial start.

I started small myself, like everyone else. My first savings installment, back in May 2020 in ETFs, was €125. And I increased this quite quickly so that I reached the €500 region. With further salary increases and cost savings, I kept increasing the savings rate because I quickly realized how important it is to get compound interest going. And I didn't start building up assets in my early 20s, as in the "investor picture book example", no, I wasn't far away from my 33rd birthday and asked myself at the time how I could still manage to build up at least a million-euro portfolio by the time I reached the statutory retirement age, taking into account the sample calculations. And instead of failing perfectly, I simply started imperfectly and I can already see that it's worth it. It was the best decision of my life.

Back to my ETF portfolios: Three ETFs paid out in December and these are my largest securities by volume ($VWRL (+0.51%) , $VHYL (+0.46%) , $VUSA (+0.51%) ). Two clearing accounts were pleased to receive payments. Looking ahead to the new year, we will continue with the $ISPA (-0.2%) in January.

➡️ ETFs and shares once again

I originally started the 70/30 strategy at the very beginning with the usual suspects as accumulators. I abandoned this last year and switched to distributors. I want a good combination of growth and cash flow! In old age, when the distributions should at best cover my living expenses but at least plug the pension gap, I don't want to worry about selling the shares. That is only planned if there really isn't enough.

In my opinion, the proponents of accumulators are also forgetting that selling the units in retirement will incur order fees again, whereas dividend distributions (should) be free of charge.

Of course I already pay capital gains tax, but in my opinion it is simply very important for the psyche to book incoming payments on all securities accounts in order to simply stay on the ball. Many of us have not yet experienced a real crash that lasts very long. And the next one will flush many players out of the market again because they only see falling prices and no current income.

In addition, there is the nice effect that the burden of the advance lump sum is reduced at the same time and, in the best case, I have to worry less about how much money I have to keep in the clearing account or by how much the tax-free amount will fall at the beginning of the year.

In the end, every investor has to do what they think is right. Everyone must be able to sleep peacefully with their investment. And I sleep well in the dreamland of the dividend strategy, whereby a moderate dividend yield that will continue to grow is important to me, in line with the dividend growth strategy. Of course, I also have shares that don't pay a dividend; these are selected companies that convince me.

➡️ P2P loans

This is the first asset class that I wish I had never entered. I've told you enough about my last default experience and the associated exit from the class, so I'll spare you that now. I was only able to withdraw a few euros from repayments. Interest? Hahaha... you can forget it. Months ago, I would never have thought that I would see interest on overnight money and that P2P interest would fail, but the tide is turning.

Only Bondora Go&Grow is still running and this vehicle was allowed to receive another deposit in December, which consists of the funds withdrawn from the other platforms. I'm particularly annoyed that I haven't finished with the deduction from Mintos and Peerberry yet. I actually wanted to declare these sources of untaxed investment income for the last time on my upcoming tax return. So this clog on my leg will be with me for a while yet.

➡️ Crypto

DefiChain is the second clog on the leg that I'll spare you.

At the beginning of December, the $BTC (+0.82%) reached a new level at the beginning of December and, with minor exceptions, moved sideways for the rest of the month. The others are similar, I'm not going crazy here, the last crypto savings plans were last executed at the beginning of December and then discontinued. I am sticking to my strategy of selling all holdings tax-free in stages from December 2024 to around March 2025. Accumulation will take place in the next bear market. I only refer to previous posts.

➡️ General information and a goal achieved

I am already announcing one success. I had set myself the target of raising €12,000 for 2023. I then raised the target to €13,500 in the summer. With paid-in capital from my net salary and reinvestment of the distributions of €13,898.44, I exceeded the target. I am very happy with this figure, but I can also see from my records that the success was achieved by investing the semi-annual bonuses from my job.

This year I want to put even more money into the stock market. The new threshold is €15,000. In the summer, I'll take a look at the interim result and if I'm well on track, I'll raise it to €16,000 - €16,500. I like to set myself high goals that I can also fail at. Because in my eyes, ambitious goals that are difficult but still achievable allow us to get out of our comfort zone and grow sustainably. And I would rather just fail at a high goal than achieve a goal that is too low too easily.

For the first time last year, I didn't set myself any other goals. That will change this year. I've already formulated some of them, but I'm still sorting them out. The number of projects should remain at a sensible level and largely meet the requirements of the SMART method. I'll write something about this in the next few days. I'm not rushing into it, but I'm giving myself time to complete the current year with great success on all levels.

Readers of my last review will also have read about the salary increase. For those of you who are also employed, this is now also on the agenda. I now know that there will be something, but still no specific amount. There should be some certainty in mid-January. Then, of course, I will make sure that a large part of the increased net salary goes towards increasing my savings plans.

Lastly: Threads went live in Europe in December. The platform differs from X, but is a good alternative. I remain active with both. I particularly like the link with Instagram on Threads. I've been thinking about starting a blog and reviving Instagram for a few days now, so YouTube will remain the only platform where I don't actively publish content, but just add my two cents in the comments (for now). Because apparently, although I've always enjoyed math more than writing and copywriting, I'm getting more and more into it. I'm keen to share my experiences, encourage people to take responsibility for their own retirement planning and wealth accumulation and disclose some of my figures to encourage people to make more of their current situation. And this despite the fact that not that many people will read it at the moment and there would be a lot of non-remunerated work to do at the expense of free time, or did you think that I would otherwise write such a long text on a Friday evening out of boredom 😉?

I want to make my contribution to financial education in our country, because let's be honest, as a society we are on average simply uneducated when it comes to this important discipline. Maybe a blog project has a purpose for me after all.

➡️ An addendum

I also see a positive development on getquin. The quality of users, posts and comments is steadily increasing. While there used to be too many pointless comments from immature users, they are now getting better and better and helping us to do what we are here for - to exchange ideas in our bubble, in our little financial world. 🥰#getquin simply has an influx of users who are really not just here to troll, but to learn, share and motivate each other in the long journey of building wealth. And I'm glad to be a part of it 😊

With this in mind, I would like to wish everyone a happy, healthy and successful New Year 2024! 🍀

It's the run-up to Christmas. Gingerbread and speculoos are on the table. The Christmas lights bring a pleasant atmosphere to the early darkness. Some traders are positioning themselves for the year-end rally. Time for the monthly review of November.

As always, I start with equities, followed by ETFs, where I - like many others, I'm sure - am seeing a good performance. This is followed by my personal tragedy with P2P. Readers of previous reviews will know what I am alluding to. And of course there are still the cryptos, where I will soon be taking my strategy to the next level.

I also take a general look at my overall financial situation and finish with a look ahead to the new year.

👉Shares

My share portfolio has taken a pleasing turn in the past month. No doubt the situation is similar for you. We all had a supportive tailwind from the stock market. 🌬️(For the sake of simplicity, I'm including December 1 in November).

While prices were being boosted, the first snow fell outside. Significant amounts fell in Leipzig and the thermometer had been around 0°C since the Day of Prayer and Repentance, and well below 0 all day at the turn of the month in December. Winterdreams ❄️, while things were hot in the depot.

Measured by the volume of the positions $MSFT (+0.28%) , $AVGO (+0.45%) , $FDX (+0.44%) ,$FAST (+0.91%) and $AAPL (+0.54%) were in an exciting race at the top. It feels like every day of the past month a new one of these values has fought its way to the top. Attentive readers of my last reviews are now missing the former frontrunner. Yes, $WMT (+0.92%) is no longer number 1 for me, but has been relegated to sixth place.

Will that change in the New Year, when Christmas, Back-Friday and Cybermonday are over? Speaking of retail, did you notice the jump from $TGT (+1.11%) on 15.11. as well? Is that the turnaround? I'd be happy about that. Wallmart apparently did the exact opposite on 11/16.

I am holding on to both retail giants. Comparable competitor $COST (+0.93%) is also on my watchlist. Another new exciting position for me would be $UPS (+0.65%) as a counterweight to my FedEx position. I am also keeping an eye on the food sector. Perhaps $CPB (+0.8%) top up or open a new position with $SJM (-0.3%) open a new position soon?

At the very end of the portfolio is $VLTO WI (-0.49%) a stock that I have never talked about before. The $DHR (+0.7%) spin-off is on my hit list, I simply missed the quick exit after the spin-off and am waiting for a more suitable price. Otherwise I will stick with buy and hold.

Another stock that I currently have no access to and would like to include in the savings plans again is $CP . This is still not tradable in its "post-merger version". I find that annoying in view of the great share price performance, I want to add to it!

At the end of my chain are $CVX (+0.49%) , $LTC (+0.3%) and $O (+0.87%) . I believe in all three companies. The REITs will perform better again as soon as the interest rate environment improves and I have no concerns about Chevron, the figures are right for this undervalued value stock. It was only in the October review that I expressed my firm belief in oil.

I can only underline this again and again. It was only in November that I bought electricity from the credit balance on my annual statement. $XOM (+0.46%) from the credit on my annual statement.

👉 ETFs

The ETFs in my portfolios do what they are supposed to do. That would be enough for this investment vehicle. Broadly diversified across the entire global economy. They are the perfect asset for all those who want to have it particularly easy - in the fight against poverty in old age.

My current ETF portfolio is not a price rocket, but it is behaving exactly as I predicted. It is growing steadily in line with market returns and is also generating income. I am very satisfied.

However, I have made a change to one of my two old portfolios, which included accumulating ETFs from the early days. Due to the upcoming advance lump sum, I have replaced the old holdings of accumulators with distributors. I would rather receive taxed investment income than keep money ready for the advance lump sum, that is my way of thinking. Fortunately, the old portfolio was small enough that the capital gains tax on capital gains and the order fees didn't hurt.

Otherwise, I will continue to buy stubbornly and steadily every month.

👉 P2P loans

P2P loans are still a bad investment for me (with one exception). I still have double-digit amounts in Peerberry and Mintos, which I have more or less written off completely. With Bondora Portfolio Pro, there wasn't even a "commemorative cent" for repayment.

I was finally able to withdraw a small amount from EstateGuru, which I then reallocated to Bondora Go&Grow. Only this product has been performing solidly for me since day 1. Let's hope it stays that way. When I decided to get out of P2P, I was sure that it would be finished by the end of the year. Fiddlesticks!

👉 Crypto

The model student of the crypto market has behaved in an exemplary manner, settling in a corridor between USD 35K and 37K over the course of the month. Here comes the next step in my strategy: at the start of the new year, I am discontinuing my two crypto savings plans for $BTC (+0.82%) and $ETH (-2.23%) completely and allocate the volume from my net salary to the other savings plans. Why? For one thing, Bitcoin does not generate any income during the holding period.

Secondly, I want to actively play the crypto cycle (and only with this asset class). In the bear market, I have steadily built up holdings via savings plans according to DCA and have also bought more from time to time, and the same applies to ETH. In the coming bear market, I will reaccumulate the holdings to be sold at more favorable prices than in the upcoming bull market. As I cannot hit the top, I will cash out via DCA as soon as the last ATH is significantly behind us.

I'm getting out of crypto altogether, because the gains of some will be the losses of others. Especially with Bitcoin, because of the fixed maximum supply, there is no way to generate returns during the holding period and lending is too dangerous for me. We will see whether I will be successful with the strategy of selling tax-free.

One investment that I no longer mention and have long since written off for me is DefiChain. I found the concept very exciting at the time, but in the end it was a shot in the arm :\

Whenever I look at the DFI and dUSD tokens in CoinMarketCap at intervals, I notice that they have plummeted even further. It seems like a bottomless pit to me. It's a shame really, because the concept of tokenized shares and the potential returns really appealed to me at the time.

👉 General information & outlook

With the last securities savings plans implemented, I was able to see that I have just about reached my investment target from the beginning of this year. That makes me happy. Even if I hadn't achieved it, I'm more of a fan of setting my goals high than too low. The development of my net assets is also progressing well. I'm a long way from financial freedom, but I'm on schedule.

In November, I also received a rent increase and insurance premium increases. These are small, but I still need to adjust my budget. It's good that the fall in income tax in the new year more or less compensates for this. Now I'm just looking ahead to the salary increase and my annual appraisal at work for the current calendar year.

Above, I'm going to shift the funds for the crypto savings plans into ETF or share savings plans. I'll decide that in December.

Last month, I only spent around €840 without giving up anything. I bought myself a new jacket, had to replace deposits and even added to my Christmas decorations. If I was a citizen's allowance recipient, I would be entitled to a total of around €896. It's a great feeling to not have to do without anything and still be able to live on so little. Simply because you don't have to tie yourself to any big expense items and unnecessary subscriptions and just spend money on things that give you added value (e.g. excursions and hikes). And now I'm enjoying the pre-Christmas period.

I wish you all a peaceful and reflective time with your loved ones!

Got on the wrong track?! - I think not.

Hello,

For a long time I was unsure about building up further positions even outside my actual investment sector. So I actually researched for weeks about the most promising opportunities within the logistics industry, outside Europe.

In the end, I was forced to look only at North America. The U.S. logistics companies are out of the question for me, since I actively manage the S&P 500 as an ETF. These positions are therefore covered.

That leaves Canada and Mexico.

Thus I selected now between 3 considerable shares of the regions and came to the selection between Canadian Pacific $CP , Canadian National $CNR (+0.98%) and Grupo Mexico $GMEXICOB (+1.2%) as parent of Ferromex (railroad company of Mexico). To further spread my country risk, I decided to include only one Canadian and the Mexican only under circumstances.

So the following is my background on Canada:

CNR vs. CP

Financial comparison:

The individual data can be seen everywhere. Therefore, I do not want to go into it explicitly here.

Crucial for me:

CNR has a market capitalization of about €74 billion and a milder valuation with a P/E ratio of about 22 than CP with a market capitalization of €65 billion and a P/E ratio of almost 28.

The margins are quite similar at about 50% EBITDA on a rough average until 2016. So no big qualitative difference either.

So I came to the conclusion that the financial prospects respectively could not give me any insight. So I researched further.

The route network and the rivalry between the railroad companies.

Both are Canadian "class one" railroads. So both must generate gross revenues of at least $250 million in the last two fiscal years. No problem for such giants. So you have a total of 7 companies in this class in the USA and Canada.

So I compared the route network.

CP has a route network of about 13,000 miles, or about 21,000km. The network runs along the Canadian major industrial centers from Vancouver to Montreal in Canada, as well as in the northern USA in the former "Rust Belt" along the Great Lakes and major commercial hubs in the Midwest. The busiest route is Calgary - Vancouver.

CNR has a larger route network of about 32,000km from Halifax in the east to Vancouver in the west. Here, too, the most important Canadian industrial metropolises are located along the routes. In the USA, on the other hand, the company has an even greater presence. Here, too, the company is represented along the metropolises of the former "Rust Belt" and along the Mississippi River as far as southern Alabama.

Theoretically, CNR would be able to declare the point for itself in this category.

So I went a decisive step further:

The most important corporate hubs.

Along CNR's route network are major U.S. metropolitan areas and transshipment hubs, such as Chicago, Memphis and New Orleans. Canadian main transshipment points represent Halifax, Montreal, Toronto, Winnipeg, Edmonton, Vancouver and Prince Rupert.

Especially the connection between the western port metropolises Vancouver and Prince Rupert, as well as the southern port place New Orleans and the east coast with Halifax represents the main trade connections of the world within its own network.

Thus, Canada represents the internal trade center to the world. If we now take the average economic growth of Canada in comparison with the USA as a starting point, there is definitely a need to catch up. Especially with regard to announced investments of international corporations in affected regions.

With the takeover of Kansas City Southern, CP can build on a comprehensive rail network that extends into the depths of Mexico. It also gives access to New York City, a global trading center, and Calgary, Canada's metropolis of the future. Furthermore, Vancouver, Winnipeg, Toronto and Chicago are also accessible. However, since these are also to be named as trading centers at CNR, the difference in this respect is marginal and negligible. In particular, however, the depth of the route through the merger now enables completely new trading perspectives.

In particular, the route network of Kansas City Southern Railway now has a huge impact on the freight-rich American southern states of Louisiana, Texas and Mississippi. Beyond that, into the depths of Mexico.

The "Inflation reduction act" and its conceivable effects.

Hardly any other topic moved the U.S. stock markets in 2022 as much as the adoption of a gigantic subsidy package for the U.S. economy. Recognized goal of this: A sustained reduction in emissions and inflation combined with a new economic miracle. As a result, many international corporations have already made decisions to open new factories in the USA. This should strengthen the future securing of freight traffic. In particular, the southern states of the USA and the border regions to Mexico should benefit massively from short supply chains and renewable energy in the future, but still stimulate the transnational intermodals.

So in the course of that, I now decided to do CP. At this point I would like to @Gerit thank you. The great inspiration made me think about rail transport as an investment option.

.

Furthermore I decided to place 2 limit purchases on Grupo Mexico. The overall ratio in the rail sector for the portfolio should be 2/3 CP and 1/3 GM.

Grupo Mexico is not only the largest mining group in Mexico and therefore the third largest copper producer in the world. The subsidiary of Ferromex is also in the portfolio. This is the largest Mexican railroad company.

Thus, two factors that will gain importance in the future. Copper is and will remain an indispensable component of future technologies.

In summary, with the addition of these two stocks in combination with the S&P 500, I now have a replica in the portfolio of the almost complete rail network of North America.

However, neither is in the portfolio yet. The plan is to build a savings plan over 10 months on CP. The first execution has already taken place. However, the ISIN change is now imminent, which is why it is paused until it is available again.

𝗠𝗮𝗿𝗸𝗲𝘁 𝗡𝗲𝘄𝘀 🗞️

𝗣𝗼𝘄𝗲𝗹𝗹 𝘇𝘂𝘃𝗲𝗿𝘀𝗶𝗰𝗵𝘁𝗹𝗶𝗰𝗵 / 𝗭𝗼𝗼𝗺 𝗮𝗹𝘀 𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹𝗲 𝗕𝗲𝗱𝗿𝗼𝗵𝘂𝗻𝗴 / 𝗗𝗼𝗴𝗲𝗰𝗼𝗶𝗻 𝗮𝗹𝘀 𝗭𝗮𝗵𝗹𝘂𝗻𝗴𝘀𝗺𝗶𝘁𝘁𝗲𝗹

𝗘𝘅-𝗗𝗮𝘁𝗲𝘀 📅

Today is the deadline for Canadian Pacific Railway ($PC8) and McAfee ($MCFE).

𝗤𝘂𝗮𝗿𝘁𝗮𝗹𝘀𝘇𝗮𝗵𝗹𝗲𝗻 📈

Today, Accenture ($CSA (+0.49%)), Costco Wholesale ($CTO (+0.93%)) and Nike ($NKE (+1.61%)) will present their figures.

𝗠𝗮𝗿𝗸𝗲𝘁𝘀 🏛️

𝗣𝗼𝘄𝗲𝗹𝗹- After yesterday's Federal Reserve meeting, it looks like there won't be an increase in interest rates until next year. According to Powell, almost all factors for a tapering of bond purchases also seem to be fulfilled, only a stabilization of the labor market should improve.

𝗭𝗼𝗼𝗺 ($5ZM (+0.89%)) - The video call provider is planning a billion-dollar acquisition. With the acquisition of Five9 ($1F9 (+0.5%)), a specialist in cloud-powered call centers, Zoom is looking to establish itself in the call center business. That's prompting U.S. authorities to scrutinize the acquisition for potential national security risks. Zoom itself previously warned that Five9 has developers and business in Russia and is therefore exposed to political risks. However, the investigation was triggered by Zoom's connections to China, according to the Wall Street Journal. The video call provider has development activities there.

𝗖𝗿𝘆𝗽𝘁𝗼 💎

𝗗𝗼𝗴𝗲𝗰𝗼𝗶𝗻 ($DOGE-USD (+5.06%))- The most popular of all meme coins has experienced a renewed upswing in recent days, due to new, very significant headlines. Among others, AMC ($AH9) CEO Adam Aron stated, until the end of the year, to allow payment with Dogecoin in AMC cinemas. He had this decision confirmed beforehand in the form of a Twitter poll, in which just under 130,000 people voted. Elon Musk was also involved again, commenting diligently under the relevant posts and expressing his confidence towards Dogecoin. Furthermore, the real estate platform Red Swan has also announced that real estate assets can also be purchased with Dogecoin in the future.

Buy and add to the position.

A long-dated stock, but one that has performed solidly from bottom left to top right in recent years and will become an increasingly important component of public infrastructure in North America in the future. In general, the North American rail transportation market is very interesting due to the current consolidation of the market and the relatively high margins of the players in North America. In addition to Canadian Pacific Railway, Canadian National Railway and Union Pacific are also interesting stocks.

And my portfolio could do with a few more solid stocks :)