The 2024 trading year has come to a close, and I, too, would like to look back on the year.

I started the year with a portfolio value of just over 53,000€.

I knew that a portfolio rebalancing of about €20,000 was still pending, so I had set my sights on reaching €100,000.

That was very ambitious, since I obviously didn’t know what the year would bring. After all, there were already plenty of economic and political uncertainties at the start of 2024.

Since I didn’t really start investing until 2021—and 2022 was therefore my first full year on the stock market—I made a lot of mistakes early on, wavered in my strategy (once I actually had one), and, of course, suffered a few losses.

That’s why it was important to me in 2024 to stay true to my strategy and not throw everything out the window again. Because, as I always like to say: Back-and-forth trading empties your pockets.

Some of you may also remember my early days, when I had tons of savings plans running, but they weren’t particularly substantial and were constantly being changed. As a result, at the start of 2024, my portfolio contained a total of 47 individual stock positions and 3 ETFs.

My goals for 2024 were therefore:

• Stay true to my strategy
• No new holdings in the portfolio; rather, streamline it
• €100,000 portfolio value
• €2,000 in net dividends
• Invest €17,000 (excluding portfolio rebalancing)

Here’s how 2024 went for me:

January: +4.0%

February: +1.3%

March: +3.0%

April: -0.4%

May: +0.5%

June: +1.7%

July: +1.7%

August: +0.9%

September: +1.0%

October: -0.4%

November: +3.4%

December: -1.7%

TTWROR 2024: +15.8%

Dividends (already included in performance): €1,956.56

Invested: €24,900

Portfolio rebalancing: 21,700€

Thanks to a special payment from my former employer—to which I was still entitled—I was unexpectedly able to invest about 5,000€ more than I had originally planned.

Did I reach my goals?

Not all of them.

My dividends are about €43 short of my target. That’s a shame, but it motivates me even more to step it up and break the €2,400 net dividend mark in 2025. That would amount to €200 net per month, representing a 22.66% increase. Again, it’s very ambitious, but you’re supposed to set ambitious goals.

However, I was already able to surpass the €100,000 portfolio value back in September. That was, of course, thanks to the strong market. I’m ending the year with just over €111,500. I’ve stayed true to my strategy, though a few new stocks have found their way into my portfolio (and a few have gone out as well).

You can read my celebratory post about hitting €100,000 here:

https://app.getquin.com/de/activity/XGtdQzCdYF

New to the portfolio:

$NESN (-1.95%) Nestlé

$CTAS (-0.78%) Cintas (savings plan)

$RACE (+0.57%) Ferrari

$D05 (-1.49%) DBS

$UNH (-1.48%) UnitedHealth

$V (-0.97%) Visa

$CSNDX (+1.03%) Nasdaq 100 (Savings Plan)

$XEON (-0%) Used as a substitute for a money market account for funds earmarked for loan repayment in 6 years or for a special prepayment if the interest rate on the account balance falls below the loan interest rate of 0.75%. Will be topped up with special payments from the employer during this period.

The following has been removed from my portfolio:

$AAL (+0.26%) Anglo American PLC (+37%)

$IBM (+2.83%) (+26%)

$BAC (-1.52%) Bank of America (+45%)

$UKW (-0.38%) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (-1.1%) Starbucks (+10%)

$BIGG (+0.49%) Bigg Digital Group (-95%)

Unfortunately, I sold IBM and Bank of America too early, but I’m still satisfied.

What else happened?

• I bought Bitcoin on TR to get a sense of the costs. Conclusion: The savings plan is always about 3–4% higher. It’s not worth it; if anything, stick to one-time purchases
• Dürnberg Winery: Received the first dividend, and the outlook looks decent. Depending on how the grape harvest turns out next year, another dividend will be paid, and we’ll still be able to make investments.
• The conservatory and the courtyard paving are done. That means the house construction is essentially complete; everything else can wait and are minor details. However, I need to start saving again for now, since I only have a small nest egg and my investment portfolio left. All other funds have been used up, since the costs ended up being twice as high as originally planned.
• The podcast @Koenigmidas is progressing rather slowly this year due to personal time constraints. You can find the latest episode here: Link zur Folge (also available on Amazon)

Outlook for 2025

So what are my financial goals for 2025?

• Investment of €15,000
• Net dividends of €2,400
• A slightly greater focus on high-dividend stocks (such as $HTGC (-0.26%) to increase cash flow a bit faster)

What are your goals for 2025? Did you achieve your 2024 goals, and to what extent have you adjusted your goals based on whether you did (or didn’t) achieve them?

Feel free to let me know in the comments—I always find it really interesting to see how ambitious others are when setting or adjusting their goals.

I wish you all a great start to 2025 and much success with all your plans and goals.

As with everything, of course: If this doesn’t interest you, feel free to scroll past and/or use the block feature. 😊

Hey,

I have a question and need some collective wisdom here. It’s about a loss statement (not tax advice or investment advice—I know).

I currently have $BIGG (+0.49%) in my portfolio. That was my first stock, and I rashly invested €1,100 at €2.50 per share. Now I’m down 68%.

It’ll probably take a few more years for it to recover—if it ever does.

At the same time, I have the $D6RK (DekaFonds-TF) in my portfolio. I’ve had it since my apprenticeship back then, and I’ve made a €2,000 profit on it so far.

Now here’s my question:

I’m 99.99% sure I want to sell the DekaFonds and invest the money in a new computer (important! 😅😂) and put the rest into the World Fund.

I’m not sure about BIGG. Basically, I do believe the company will take off eventually—it’s just a matter of when. And honestly, I don’t feel like sitting on a loss of ~70% or more for the next 5 years.

So would it maybe make sense to sell it at a loss for tax purposes, just to get rid of it? What would the rough tax implications be? Is there a rough estimate I could calculate off the top of my head?

My tax advisor is unavailable for the foreseeable future, so I’m asking here to at least get a rough idea.

P.S.: My tax exemption allowance is (almost) completely used up, since I already sold another fund in January 2021.

Thanks for reading, and I hope someone can explain this to me briefly and in general terms.

So if you penny friends ask me, this is another one of those typical bull traps....

"... "

huh why, i'm not sweating at all!!!!

"..."

Withdrawal symptoms? .. I DON'T NEED THAT!

Somebody has made a mega loss, I have to keep an eye on that.