DAX reaches new all-time high again 🇩🇪📈💶👑. The left, trade unions and Wahra Sagenknecht would say that the stock market is a casino and a game of chance. Some people just always want to be wrong. Samsung Galaxy Watch 7 Which German shares do you have and how have they performed? #dax
#dax40
$LYY7 (+0.02%)
$SIE (-0.16%)
$ALV (+0.17%)
$SAP (+0.04%)
$VOW (+0.67%)
$BMW (+0.31%)
$P911 (-0.05%)
$RHM (-1.06%)
$ENR (+0.23%)
$AIR (+0.66%)
$DTE (-0.13%)
$DBK (+0.11%)
$DHL (+0.56%)
$CBK (+0.13%)
$MBG (+1.38%)
$PAH3 (+0.98%)

January is over. The first month of the year was relatively quiet for me: one hike and two ice baths in sub-zero temperatures. The investment knew what to do by itself. Time for a look back.

I present the following points for the past month of January 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

After a strong month in December, my heavyweight among the individual stocks has $AVGO (-0.46%) lost a bit of steam during the month, but is still up by over 250% overall. A performance that I did not expect when I selected my stocks.

On the other hand $NFLX (+0.04%) and $SAP (+0.04%) are performing well. Netflix with +179% and SAP now also in triple digits with +118%. Both are in 3rd and 4th place in terms of volume. $WMT (-0.22%) now with +105%, also a doubler. It gets exciting behind them, the financial stocks are rising. $BAC (+0%) ,$V (+0.01%) and $MA (+0.06%) continue to push forward. Is this now a sign that financial stocks will generally rise again? It's well known that profits are rising there. I suspect that the stock market will now price in Trump's deregulation of the sector.

The red lanterns will once again go to the usual suspects $NKE (+0.08%) , $DHR (-0.41%) and $CPB (+0.08%) . All stocks are now performing even worse at -35%, -29% and -22%. They are among the smallest positions in my main equity portfolio with the $DHL (+0.56%) . I'm not worried about the big drop yet, but I'm already taking a closer look. I would have expected Danaher in particular to be back in the black after the last split.

➡️ ETFs

ETFs are doing their thing as usual. What else can you say except the typical?

➡️ Distributions

I received 23 distributions on 12 payout days in January. I am grateful for this additional income stream. Everyone should build up their additional income this way.

➡️ Cashback

There was no cashback payment received in my accounts in January. The separation of REWE and Penny with Payback is making itself felt and I have to come up with a new system for continuing my "cashback pension". So far, I'm thinking about adding up the rebates on the receipts and transferring these amounts from the grocery account to the clearing accounts in order to invest them in one-off savings plans. However, I would only do this once a month because of the administrative effort involved. For DM, Payback continues as usual. But what I like about the REWE and Penny apps is that you can save the discounts in them, so I could use my old system there again. In the meantime, Kaufland is also coming back into focus for my weekly shopping.

➡️ Repeat purchases

There was a subsequent or new purchase of an ETF for my crypto successor portfolio, which was financed from a triggered BTC limit order. I invested in the $EXX5 (+0.01%) .

➡️ P2P loans

With my last P2P platform, Mintos, there was a redemption payment in the cent range, otherwise the platform continues to hang on my leg like a ball and chain. I will gradually withdraw everything here and hopefully end my involvement in this asset class as soon as possible.

➡️ Crypto

January offered crypto investors a BTC ATH on Trump's inauguration on the one hand, but otherwise we are more likely to be dealing with a sideways market on the whole. As mentioned, I triggered a BTC sell limit order on the day of the inauguration. And it was even very close to the ATH. Around 1/3 of my total holdings have been sold since the beginning of November. I am still far from satisfied. But I need higher prices for further sales. Is my strategy working? Or is the bull market already over? I think it will continue, but not for much longer.

➡️ And what else?

Like many of you, I'm feeling the effects of the changes due to rising social security contributions and rising costs. My budget is set up so that my budgets and lump sums work on their own and I've managed well with my budget sizes too. The amount invested each month via savings plans was as large as possible. In the end, there was always an amount left over that went into my nest egg, the last bit, so to speak. This remaining €100 more than halved in January. On the one hand, it's not a problem, I could simply cut back on the savings plans, but I don't want to do that. I can't reduce my spending any further myself. I'm in a salary round, but it's very likely that I won't get a pay rise this year. I'm happy that my second income stream is growing steadily, even if it's not yet significantly noticeable. Now I'm thinking about how I can earn even more money, because taxes are set to rise further, not just social security contributions, the greedy state and greedy politicians are targeting our investment income and interpreting unfair taxation. Unfortunately, they are completely ignorant, because they do not understand that this is already taxed when it is taxed again for us investors (or has already been taxed twice - keyword withholding tax), or that social security contributions on it would mean a further entitlement to benefits from the funds for us as investors. And not just for us, but also for international investors. In contrast to rental income, for example, the deduction for capital income is immediate and not deferred. These are all considerations that are not taken into account by tax increase enthusiasts. Demanding tax increases in a high-tax country is proof of a lack of reality either way. For me, the entire state should continue to be slimmed down.

So you can see from the current political discourse that the state only wants to take away, instead of ensuring that citizens build up something for themselves with effort and sweat, which they then know how to look after and appreciate. However, a considerable promotion of private asset accumulation means that citizens may not need any or significantly fewer pension payments to ensure an adequate old age. I look with some envy at other countries that have much more sophisticated pension systems or sovereign wealth funds. I once wrote an article about the systems in Norway and Sweden.

➡️ Outlook

In February, I can expect reimbursements from the health insurance companies and the dental supplement, which I will invest in in the February review. Until then!

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)

Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!

Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)

#etfs
$VHYL (+0.11%)
$FUSD (+0.05%)
$D6RM (-0.23%)

#stock
$TSLA (-0.91%)
$GOOGL (-0.04%)
$MS (+0.14%)
$CS (-0.01%)
$NOVO B (-1.55%)
$ASML (-0.21%)
$MUV2 (-0.23%)
$CNQ (-1.12%)
$GGG (-0.18%)
$MC (+0.33%)
$DHL (+0.56%)
$TKA (+1.47%)
$RIO (+1.46%)
$ADBE (+0.05%)
$MPW (-0.28%)

#stock
$BICO (+0.29%)
$9866 (+0.01%)
$SVA (+0%)
$TECO (-67.57%) (Insolvency filed)

#edelmetalle
$965515 (-0.07%)

#krypto
$BTC (+0.76%)
$ETH (+1.9%)
$ADA (+0.14%)
$FET (-3.15%)
$BNB (+0.48%)
$CAKE (+6.89%)
$AXS (+1.13%)

- Company portrait

- Express and logistics business

- Booming Internet trade

- Regular price increases

- Balance sheet

- Dividends

- Management

- Strategy 2030

- Sales growth

- Quarterly figures

- Forecast

Link: shorturl.at/UNOHs

#dhl
#deutschepost
#dax
#dax40
$DHL (+0.56%)
$DHLGY (+0.56%)
$UPS (+0%)
$FDX (-0.03%)
$AMZN (-0.1%)
#ups
#fedex
#logistics

In view of the increasing protectionism under President Donald Trump says Tobias MeyerCEO of $DHL (+0.56%)says that the positive effects of global trade must not be forgotten.

Protectionism refers to an economic policy stance in which a country attempts to protect its own companies from foreign competition. Usually through tariffs, import quotas or other trade barriers. The aim is to promote the domestic economy & secure jobs, often at the expense of free global trade.

"It's important to remember that global trade has been very beneficial overall"

"Trade has increased prosperity and continues to be critical for countries to share in technological advances - think medical devices and other areas. And it has also helped the US"

"You see a lot of US companies here working with their partners around the world, and for good reason" he told CNBC at the #wef2025

Which German shares did you buy and how did they perform?#dax
#dax40
#deutschland
$SAP (+0.04%)
$RHM (-1.06%)
$MUV2 (-0.23%)
$ALV (+0.17%)
$ADS (+1.08%)
$DE000A0PNN47
$VOW (+0.67%)
$MBG (+1.38%)
$P911 (-0.05%)
$PAH3 (+0.98%)
$BMW (+0.31%)
$DTE (-0.13%)
$DHL (+0.56%)
$DB1 (-1.81%)
$DBK (+0.11%)
$RHM (-1.06%)
$AIR (+0.66%)
$LYY7 (+0.02%)

Enton 🦆 informed you a few weeks ago about the current situation regarding $DHL (+0.56%) the situation. 🤔✉️📅

In the first round of negotiations on January 8, 2025, Ver.di was unable to submit an offer to Deutsche Post AG and rejected the demands as unaffordable! 👍👎🤔

Ver.di demands:

-7% more pay for all tariff employees, trainees and dual students

-three days more vacation, also for trainees

-an additional day of leave for ver.di members

-the postal allowance should also be continued

-Parcel limit of 23 kg, beyond that up to 31.5 kg only with 2 man handling 🤝🏽💪🏽

DHL has already announced that it is now focusing on letters, so there is less waiting for letters and more waiting for parcels. 📦📨🚀

It is questionable whether Ver.di will be able to enforce its demands, especially as the first locations in Germany have already gone on strike. 🤔✊🏽🔥

DHL needs to move with the times and make its employees friendlier; nowhere else is there so much sick leave as at DHL, as all health insurance companies have already confirmed. 🤒🏥🙁

Hi guys!

A small reorganization of my portfolio is now complete.

I have decided to keep consumer goods and finally sell positions that have been in the red for years. Please ignore Halo and Freyer batteries, they are legacy assets that can no longer be traded.

$NOVO B (-1.55%)
$ASML (-0.21%)
$O (-0.02%)
$DHL (+0.56%) Instead, the first tranches have been withdrawn or increased.

The DAX will remain in my portfolio, but will be given a weighting of between 3 and 5 percent and will from now on be underweighted monthly in the savings plan; instead I will overweight the NASDAQ 100.

At the top of my wish list is still $JNJ (-0.35%) and $RAND (-3.02%) .

My strategy:

Buy blue chips according to a value strategy and then hold them. Ideally, these companies should pay dividends and increase them continuously.

My thoughts on the strategy:

I estimate the current economic situation based on GDP in the USA, somewhat less dramatically, but in Europe that we are sliding into a recession. With inflation currently moderate, interest rates will continue to be reduced in Europe and similarly in the States, albeit more slowly. Interest rate-sensitive sectors with companies that may even be indebted should then do well. That is why I am trying to invest in bonds, industry and healthcare stocks. If there is a clear upswing, increase savings plans in tech stocks again.

What suggestions do you have? Are my thoughts wrong? Am I investing in the wrong sectors? Do you have any "secret" favorites? What do you think about $JNJ (-0.35%) and $RAND (-3.02%) ?

Have a great day!

Hello lovelies,

I would like to share my portfolio with you. With the sale of $MC (+0.33%) and a small profit, I'm getting closer to my goal - just the $IWDA (-0.15%) , $BTC (+0.76%) and gold - ever closer.

To be honest, I am very happy that these "old burdens" are gradually giving way to my portfolio. With $DHL (+0.56%) and $DG (-0.26%) I am still waiting for the sale until it is more or less sustainable for me. $FYB (-0.1%) will then also be sold with a plus.

And when I see that other people also want to go this way, I'm very happy :)

P.S. The $ACWI I'm saving for my little son

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

• Business economist for financial services (until January 2025)
• Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0.23%) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (+3.71%) and $SHA) and commodities ($965515 (-0.07%)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (+0.11%) and the $FUSD (+0.05%) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

• At least 30 % share price growth in the last 5 years.
• At least 10 years dividend history.
• 
  Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (+0.14%) / $GGG (-0.18%) / $CS (-0.01%) / $ASML (-0.21%) / $MUV2 (-0.23%) / $CNQ (-1.12%) / $MC (+0.33%) / $TKA (+1.47%) / $DHL (+0.56%)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0.76%) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!