$BNTX (-1.65%)
$KSPI (-3.47%)
$HIMS (-5.99%)
$MELI (-1.77%)
$PLTR (-3.82%)
$DRO (-6.28%)
$IFX (-1.8%)
$9434 (+2.53%)
$FR0010108928
$DHL (-2.89%)
$BOSS (-0.48%)
$CONTININS
$DOCN (-7.87%)
$LMND (-4.09%)
$BP. (-2.39%)
$FRA (-0.31%)
$PFIZER
$SNAP (-5.79%)
$AMD (-3.71%)
$SMCI (-5.04%)
$OPEN (+18.47%)
$CPNG (-3.25%)
$LCID (-2.78%)
$CBK (-0.66%)
$ZAL (-2.26%)
$NOVO B (+1.26%)
$VNA (-0.77%)
$BAYN (+3.67%)
$UBER (-2.27%)
$SHOP (-4.46%)
$MCD (-0.57%)
$DIS (-3.34%)
$ROK (-3.55%)
$ABNB (-5.04%)
$RUN (-5.33%)
$FTNT (-3.98%)
$O (-0.76%)
$DASH (-1.94%)
$DUOL
$S92 (-4.67%)
$DDOG (-4.83%)
$SEDG (-1.55%)
$QBTS (-6.16%)
$RHM (-1.6%)
$DTE (-1.14%)
$ALV (-3.44%)
$LLY (+1.53%)
$CYBR (-1.38%)
$PTON (-8.67%)
$DKNG (-4.31%)
$RL (-3.76%)
$PINS
$TTWO (-2.47%)
$TWLO (-8.74%)
$MNST (+1.16%)
$STNE (-3.21%)
$MUV2 (-1.69%)
$WEED (+0%)
$GOOS (+1.25%)
$PETR3T
$ANET (-6.38%)

😊

Hello everyone,

Since I and my portfolio have recently exceeded the €50,000 mark, I wanted to take this as an opportunity to present my portfolio and my strategy to you. I look forward to your opinion, assessment, criticism and potential for improvement.

About me: I am still 29 years old and work as a team leader in an industrial company in the building materials sector. In terms of education, I feel I've been through all the stages - from a qualifying secondary school certificate to A-levels and a bachelor's degree to a master's degree. The only thing missing is a doctorate 😌

About the overall strategy: My assets are divided between my share portfolio, a condominium and a call money account. I live in your apartment myself. I wouldn't consider renting or real estate as an investment because I think the risks of having to invest money again are too high. You can also suspend the savings plan in your portfolio from time to time. So the apartment is held for as long as it is occupied and then sold when I buy a house.

About the equity strategy: I'll try to summarize this briefly

• Allocation: core-satellite strategy. So core for me is any ETF, satellites are the individual stocks. Core should make up about 80 percent, the individual stocks 20 percent. The buy-in for the individual stocks is always 2000 euros.
• Selection: Dividend strategy - the dividends of the ETFs are reinvested in them, the dividends of the individual shares go into an ETF.
• Buy and hold
• Special feature: I received a loan from a close relative for my apartment, which is repayable on maturity after 8 years. Due to some lucky coincidences, I had the money back together one year after the purchase. So instead of letting it sit in an overnight deposit, I invested it at the beginning of 2024 - with very good timing.

Stock selection and savings plan:

• $VHYL (-1.49%) The big core - I think the ETF is good because it is broadly diversified and has a good, reliable distribution. I am not currently saving in the ETF. Only the remaining shares from the beginning of 2024 are transferred from the second custody account (I transfer cash to a separate account and make a custody account transfer from the second custody account to mine. The loan amount will then accumulate there).
• $VWRL (-2.49%) Will be my new second large core and therefore currently saved with 500 euros per month.
• The following individual securities are currently fully saved: $ALV (-3.44%)
  $BAS (-2.42%)
  $EOAN (+0.08%)
  $BATS (+0.7%)
• As soon as the core share is over 80 percent, further shares are transferred from the second portfolio. $SIE (-4.7%) shares are transferred from the second portfolio. The total buy-in is therefore also EUR 2000.
• The following stocks are still included in the second portfolio and are transferred bit by bit - whenever there is money and depending on the core share in my portfolio: $VHYL (-1.49%)
  $VWRL (-2.49%)
  $PEP (-0.5%)
  $SIE (-4.7%)
  $DHL (-2.89%)
  $VOW (-2.39%)

Further strategy:

At the moment I feel comfortable with the strategy and until all individual stocks etc. have been transferred to the main portfolio. It will take some time before all the individual stocks etc. are transferred to the main portfolio. In the long term, I am considering $TDIV (-1.44%) with a 10 percent share. I will then select individual stocks in the future, but e.g. $RIO (-1.64%) , $MUV2 (-1.69%) or $MAIN (-2.7%) I could well imagine.

Looking forward to your comments on this boring strategy 😌

Dear Getquin Community,

I've been here for about a year and have already learned a lot...but now I'm thinking about changing positions.

$DHL (-2.89%)

$MC (-2.33%)

$NVO (+0.66%)

$VOW (-2.39%)

$PAH3 (-1.91%)

$MCD (-0.57%)

as they no longer quite fit my strategy.

But I'm having doubts, as some positions are quite negative.

What do you think?

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (-0.03%) Call money ETF. Div. 1.9%

15% $TDIV (-1.44%) VanEck Divi Leaders. Div 3.5%

10% $TRET (-1.14%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-1.49%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (-1.68%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0.84%) Gold

5% $SEDY (-1.26%) iShares EM Dividend. Div 8.0%

5% $JEGP (-1.17%) JPM Global Equity Inc Div 7.1%

5% $EEI (-1.45%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0.15%) High Yield Bond. Div 6.1%

5% $EXXW (-0.7%) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (-0.03%) Overnight ETF. Div 1.9%

12% $EQQQ (-3.23%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0.84%) Gold

2% $O (-0.76%) Realty Income 6.0%

2% $VICI (+0.25%) Vici Properties 5.6%

2% $OHI Omega Healthcare 7.2%

2% $PLD (-3.02%) Prologis 4.1%

2% $ALV (-3.44%) Allianz 4.35%

2% $HNR1 (-1.54%) Hannover Re 3.4%

2% $D05 (-1.82%) DBS Group 5.5%

2% $ARCC (-1.82%) Ares Capital 9.3

2% $6301 Komatsu. 4,2%

2% $1 (-2.02%) CK Hutchison 4.6%

2% $AENA (+0.08%) AENA. 4,2%

2% $LOG (+0%) Logista 7.3%

1,5% $AIR Airbus 1.8%

1,5% $DHL (-2.89%) DHL Group 4.8%

1,5% $8001 (-2.64%) Itochu 2.8%

2% $RIO (-1.86%) RioTinto plc 6.4%

2% $LIN (-1.71%) Linde 1.3%

2% $ADN (+0.44%) Acadian Timber 6.7%

3,5% $BATS (+0.7%) BAT 7.0%

2% $KO (-0.29%) Coca Cola 2.9

2% $HEN (+0.28%) Henkel 3.0%

2% $KVUE (-0.75%) Kenvue 4.1%

2% $ITX (-2.01%) Inditex 3.6%

2% $MCD (-0.57%) McDonalds 2.6%

2% $690D (-2.3%) Haier Smart Home 5.6

3,5% $IBE (-0.29%) Iberdrola. 4,1%

1,5% $AWK American Water Works 4.4%

1,5% $SHEL (-1.49%) Shell 4.1%

1,5% $ENB (+0.15%) Enbridge 6.5%

2% $DTE (-1.14%) Deutsche Telekom 2.8%

2% $VZ (-1.36%) Verizon 6.8%

2% $GSK (-1.27%) GlaxoSmithKline 4.2

2% $AMGN Amgen 3.5%

2% $JNJ (-0.41%) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

BEFORE: I have completely revised my portfolio review. There are now even more in-depth figures to see and I have greatly reduced the body text. Only my introduction is a little more detailed. The visual overview on Instagram has also been completely revamped. There is also a budget review, which I am not publishing here as a post. However, I have included a few key figures from this one in the portfolio review.

I am very happy about likes here at GQ and on both IG posts, as the complete renewal has cost me a lot of nerves and time. 🙃 If you also want to know how my personal finances have developed, I'd like to refer you to my personal budget review on Instagram.

In future, I will publish my detailed assessments on individual topics that were previously part of the review (such as crypto cycles or my succession strategy for crypto) separately in individual posts on GQ. Perhaps as a kind of supplementary post.

Are you missing important key figures or do you have suggestions for optimization? Constructive suggestions are always welcome.

For me, May was characterized by calm and composure, because I kept the noise of the markets and US trade policy away from me. I can do no more than simply buy more. I like to refer here to the stoic way of thinking, which focuses on prioritizing what you can influence. And that is my personal development. So that meant doing sport (at home with YouTube cardio and strength, abs, core, running), stockpiling Instagram posts so that I have some breathing space in the summer and delving deeper into the topic of AI. And the tax return was also completed. Meanwhile, dividends have been stable with the second strongest month ever, which was April. Time for a deep dive into my figures.

Overall performance

My portfolio performed well in May. Bit by bit, we are fighting our way up from the tariff lows. The key performance indicators are

• TTWROR (month of May): +4.83 %
• TTWROR (since inception): +65.84 %
• IZF (month of May): +74.24 %
• IZF (since inception): +9.94 %
• Delta: +€3,368.39
• Absolute change: +4,486.96 €

Share allocation & performance

Which shares performed particularly well in May? Which are at the top of the chain and which at the bottom? Which were the biggest losers?

Size of individual share positions by volume

Share: Share of total portfolio in % (portfolio)

• $AVGO (-3.24%) : 2,71 % (main share portfolio)
• $NFLX (-1.71%) : 2,12 % (main share portfolio)
• $WMT (-1.13%) : 1,83 % (main share portfolio)
• $SAP (-2.75%) : 1,69 % (main share portfolio)
• $FAST : 1,59 % (main share portfolio)

Smallest individual share positions by volume:

Share: Share of total portfolio in % (securities account)

• $SHEL (-1.49%) : 0,44 % (crypto follow-on portfolio)
• $HSBA : 0,54 % (crypto follow-on portfolio)
• $TGT (-1.86%) : 0,62 % (main share portfolio)
• 
  $DHR (-2.34%) : 0,66 % (main share deposit)
• 
  $NKE (-1.72%) : 0,67 % (main share portfolio)

Top-performing individual shares

Share: Performance since first purchase % (securities account)

• $AVGO (-3.24%) : +245 % (main share portfolio)
• $NFLX (-1.71%) : +190 % (main share portfolio)
• $SAP (-2.75%) : +108% (main share portfolio)
• $WMT (-1.13%) : +79% % (main share portfolio)
• $RSG (-1.27%) : +60 % (main share portfolio)

Flop performer individual stocks

Share: Performance since first purchase % (securities account)

• $DHR (-2.34%) : -58 % (main share portfolio)
• $TGT (-1.86%) : -40 % (main share portfolio)
• $NKE (-1.72%) : -39 % (main share portfolio)
• $CPB : -34 % (main share portfolio)
• $UPS (-2.85%) : -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.8% to 61.2%. This differs slightly from the breakdown of my ETFs to equities savings plans (43% to 57%).

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases as a cashback annuity from refunds: € 70.50
• Dividend automatically reinvested by broker: € 2.99

Additional purchases: as one-off savings plans as part of my cashback pension, reinvested discounts from previous grocery and drugstore purchases and a refund from the health insurance bonus program.

• Number of additional purchases: 2
• 30.00 € for $JEGP (-1.17%)
• 
  40.50 € for $GGRP (-2.19%)

If you want to know how my cashback pension tops up the share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 163.13 (€ 89.68 in the same month last year). This corresponds to an increase of +42.32 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 11
• Number of payment days: 21 days
• Average dividend per payment: € 14.83
• average dividend per payment day: € 7.72

The top payers are:

• $DHL (-2.89%)
• 
  $IMEU (-1.97%)
• 
  $IWDP (-1.38%)

My passive income from dividends (and some interest) mathematically covered 21.08% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +0.72%
• Performance since inception: +70.90%
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.23%

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my strategy. Profits have long since been realized, my focus here has long been elsewhere. Accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +4.83%
• $VWRL (-2.49%) +6.10%
• $VUSA (-2.89%) : +6.89%

Outlook and conclusion

According to the tax estimate, I can expect a tax refund. When this arrives, part of it will be donated and the rest will of course be reinvested. May was also a no-spend month for me and, as a convinced frugalist, this went off without a hitch. I was able to reflect more closely on my spending behavior and even found further potential despite my basic low spend attitude. Now I'm preparing a Hartz IV/citizen's allowance experiment for at least 3-4 months (or more) for the second half of the year. Simply because I feel like challenging myself. My planned expenses and provisions according to the budget only just exceed my theoretical entitlement to citizen's allowance. More info coming soon on Instagram. After March and April, I was again able to record expenses of less than €1,000 per month in May. This will change in June due to a large annual insurance premium, but maybe I'll be lucky and stay at a maximum of €1,100 to €1,200. As in the previous months, I will continue to use the early summer in June for hiking, swimming and day trips.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 As well as the depot and budget review, there's also: @frugalfreisein

• One-pagers and carousel posts every Monday, Wednesday and Friday on topics such as wealth accumulation, frugalism and minimalism
• more story insights in the future
• Mindset, motivation & money-saving life hacks for your own journey

How was your May at the depot? Do you have any tops & flops to share? Leave your thoughts in the comments!

First of all, no, I haven't hit the jackpot yet. I'll be happy to tell you later how I would distribute the money if I did ;)

There are also small prizes if you only get a few numbers right and you have to get rid of these prizes somehow (sensibly). Since January, I've been playing one pick in every draw, so about €10 per month. Since then, I've won around €40. I've decided to invest the winnings in DHL shares. My grandmother, with whom I play the lottery together, used to work there, so the investment is more personal and symbolic for me, before anyone starts arguing whether DHL is really the best share on the market. The dividends will first be reinvested to benefit from compound interest. Later, I would like to use the dividends to pay for lottery tickets. That closes the circle again :)

Do you also have shares in your portfolio that have more of a symbolic meaning for you?

May tastes good with some German companies in the portfolio.

$EOAN (+0.08%)

$ADS (-0.31%)

$ALV (-3.44%)

$DHL (-2.89%)

$BAS (-2.42%)

The DHL Group ($DHL (-2.89%) / formerly Deutsche Post) showed a stable performance in May 2025. The share is currently trading at around € 37.10 . In the first quarter of 2025, revenue rose by 2.8% to €20.81 billion and operating profit (EBIT) increased by 4.5% to €1.37 billion.

The Annual General Meeting approved a dividend of € 1.85 per share, which corresponds to a yield of around 5.4% . Analysts see an average target price of € 43.82, with recommendations of 11 buy, 9 hold and 1 sell .

Strategically, DHL is strengthening its position in the pharmaceutical logistics sector with the acquisition of the US company Cryopdp . This acquisition underlines the growth ambitions in the life sciences sector.

Overall, the DHL share presents itself as a solid option with an attractive dividend and positive growth prospects.

To give me a better overview, I have looked up the publication dates of all the quarterly figures of the companies in which I am invested.

Of course I don't want to withhold this from you:

May 2025

• 05.05.25 -> Realty Income $O (-0.76%)
• 06.05.25 -> Ferrari $RACE (-3.31%)
• 06.05.25 -> Progressive $PGR (-2.57%)
• 06.05.25 -> Zoetis $ZTS (-0.45%)
• 07.05.25 -> Novo Nordisk $NOVO B (+1.26%)
• 08.05.25 -> Main Street Capital $MAIN (-2.7%)
• 15.05.25 -> Allianz $ALV (-3.44%)
• 20.05.25 -> Mutares $MUX (-8.74%)
• 22.05.25 -> NextEra Energy $NEE (-2.23%)

July 2025

• 10.07.25 -> Progressive $PGR (-2.57%)
• 21.07.25 -> Prologis $PLD (-3.02%)
• 23.07.25 -> Amphenol $APH (-3.72%)
• 24.07.25 -> Greencoat UK Wind $UKW (-3.89%)
• 24.07.25 -> NextEra Energy $NEE (-2.23%)
• 24.07.25 -> Vidrala $VID (-0.64%)
• 25.07.25 -> Palfinger $PAL
• 25.07.25 -> Volkswagen $VOW (-2.39%)
• 30.07.25 -> HSBC $HSBA
• 30.07.25 -> Realty Income $O (-0.76%)
• 30.07.25 -> Rio Tinto $RIO (-1.64%)
• 31.07.25 -> Ferrari $RACE (-3.31%)
• 31.07.25 -> Main Street Capital $MAIN (-2.7%)
• 31.07.25 -> OMV $OMV (-0.2%)

August 2025

• 05.08.25 -> Aflac $AFL (-3.68%)
• 05.08.25 -> DHL Group $DHL (-2.89%)
• 05.08.25 -> Public Storage $PSA
• 06.08.25 -> Novo Nordisk $NOVO B (+1.26%)
• 07.08.25 -> Allianz $ALV (-3.44%)
• 12.08.25 -> Mutares $MUX (-8.74%)
• 12.08.25 -> Zoetis $ZTS (-0.45%)

October 2025

• 09.10.25 -> Progressive $PGR (-2.57%)
• 21.10.25 -> Prologis $PLD (-3.02%)
• 22.10.25 -> Amphenol $APH (-3.72%)
• 22.10.25 -> NextEra Energy $NEE (-2.23%)
• 27.10.25 -> Palfinger $PAL
• 28.10.25 -> HSBC $HSBA
• 29.10.25 -> OMV $OMV (-0.2%)
• 29.10.25 -> Vidrala $VID (-0.64%)
• 30.10.25 -> Main Street Capital $MAIN (-2.7%)
• 30.10.25 -> Volkswagen $VOW (-2.39%)
• 30.10.25 -> Zoetis $ZTS (-0.45%)

November 2025

• 03.11.25 -> Public Storage $PSA
• 04.11.25 -> Aflac $AFL (-3.68%)
• 04.11.25 -> Ferrari $RACE (-3.31%)
• 05.11.25 -> Novo Nordisk $NOVO B (+1.26%)
• 06.11.25 -> DHL Group $DHL (-2.89%)
• 10.11.25 -> Realty Income $O (-0.76%)
• 13.11.25 -> Mutares $MUX (-8.74%)
• 14.11.25 -> Allianz $ALV (-3.44%)

January 2026

• 23.01.26 -> NextEra Energy $NEE (-2.23%)
• 27.01.26 -> Prologis $PLD (-3.02%)
• 28.01.26 -> Progressive $PGR (-2.57%)
• 28.01.26 -> Amphenol $APH (-3.72%)
• 29.01.26 -> Ferrari $RACE (-3.31%)
• 29.01.26 -> OMV $OMV (-0.2%)

February 2026

• 04.02.26 -> Aflac $AFL (-3.68%)
• 04.02.26 -> Novo Nordisk $NOVO B (+1.26%)
• 13.02.26 -> Allianz $ALV (-3.44%)
• 17.02.26 -> Zoetis $ZTS (-0.45%)
• 19.02.26 -> Main Street Capital $MAIN (-2.7%)
• 24.02.26 -> HSBC $HSBA
• 24.02.26 -> Palfinger $PAL
• 24.02.26 -> Public Storage $PSA
• 24.02.26 -> Realty Income $O (-0.76%)
• 26.02.26 -> Greencoat UK Wind $UKW (-3.89%)
• 26.02.26 -> Vidrala $VID (-0.64%)

March 2026

• 04.03.26 -> Rio Tinto $RIO (-1.64%)
• 05.03.26 -> DHL Group $DHL (-2.89%)
• 17.03.26 -> Volkswagen $VOW (-2.39%)

April 2026

• 15.04.26 -> Mutares $MUX (-8.74%)

Ps: Does anyone have the dates of the quarterly figures for $SHEL (-1.49%) ? Unfortunately I can't find them online.