If I compare a share (e.g. $MBG (-2.03%) , example chosen because of relatively high returns (6-8% p.a.) at an "almost" constant price) against an index (or an index etf e.g $VUSA (-2.89%) ) benchmark. How is the dividend offset against the benchmark, or is it not taken into account? I assume this is not a comparison with a direct reinvest, is it?

$HEIA (-2.21%)
$EL (-1.22%)
$NUE (-4.56%)
$CDNS (-3.72%)
$WM (-1.33%)
$MSFT (-3.8%)
$V (-3.35%)
$OR (-2.69%)
$AZN (+0.16%)
$MRK (+0.15%)
$PG (-1.22%)
$SBUX (-4.3%)
$BCS (-3.49%)
$META (-4.37%)
$BABA (-4.45%)
$QCOM (-0.57%)
$AIR (-3.78%)
$HSBC (-1.4%)
$GSK (-1.27%)
$MBG (-2.03%)
$F (-4.01%)
$AAPL (-5.14%)
$AMZN (-7.55%)
$MA (-2.45%)
$7203 (-1.65%)
$SHEL (-1.49%)
$005930
$SNY (+1.75%)
$CMCSA (-4%)
$COIN (-12.41%)
$NET (-8.55%)
$XOM (-3.35%)
$CVX (-1.89%)
$CS (-7.32%)
$NTDOY (-2.7%)
$CL (-2.37%)
$DTG (-2.19%)
$UNH (-6.32%)

Hello everyone,

I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.

I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅

In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.

🔍 My goal:

A robust, stable portfolio with a focus on:

• long-term wealth accumulation
• regular passive income through dividends
• a small admixture for future themes (Bitcoin)

This is what my portfolio currently looks like:

🧱 ETF as a foundation

• $IWDA (-2.5%)
  iShares Core MSCI World (ACC) - 100 €/month

➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.

🏢 REITs & real estate dividends - for monthly cash flow

• $O (-0.76%)
  Realty Income - 50 €/month
• $STAG (-1.13%)
  STAG Industrial - 25 €/month
• $VICI (+0.25%)
  VICI Properties - 50 €/month

➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.

💸 Dividend stocks (consumer goods & energy)

• $MBG (-2.03%) Mercedes Benz Group - 50 €/month
• $PEP (-0.5%)
  PepsiCo - 50 €/month
• $KO (-0.29%)
  Coca-Cola - 50€/month
• $CVX (-1.89%)
  Chevron (new) - 50 €/month
• $EUHD (-1.62%) Invesco EURO STOXX High Dividend Low Volatility UCITS ETF Dist - €100/month

➡️ I would like to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.

₿ $BTC (+0.65%)
Bitcoin

• Savings plan: €50/month

➡️ This is my "future addition" - deliberately kept small, but built up regularly.

💰 Liquidity

• Overnight money account reduced to ~€5,000 (nest egg)
• Previously a car purchase (~€28,000) and caravan purchase (~€21,000) were made

📆 My strategy:

• Follow through with savings plans consistently
• Reinvest dividends
• No more panic selling, just learn & observe

💭 Conclusion:

I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.

My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.

#crypto
#etfs
#dividends
#portfoliofeedback #newbie

Alphabet / Waymo $GOOG (-2.87%)

Amazon $AMZN (-7.55%)

Baidu $9888 (-3.23%)

BMW $BMW (-1.56%)

CATL $3750 (-2.54%)

Dassault Systems $DSY (-2.86%)

Hexagon $HEXA B (-1%)

Mercedes-Benz $MBG (-2.03%)

Mobileye $MBLY

NVIDIA $NVDA (-3.83%)

Siemens $SIE (-4.7%)

SONY $6758 (-1.4%)

Qualcomm $QCOM (-0.57%)

Tesla $TSLA (-3.11%)

Link: https://shorturl.at/WJzuf

Somehow, posts about $TSLA (-3.11%)
$MBG (-2.03%)
$VOW (-2.39%) and the assistance systems always seem strange to me, so I asked ChatGPT.

(Prompt: "self-driving cars Mercedes vs waymo vs tesla"

AI says:

Investor perspective:

Whether self-driving cars based on cameras will get approval in Europe for fully autonomous driving remains to be seen, because there is definitely a lot of criticism of the pure AI+ camera strategy.

It may work faster in America and Asia, where the media can be bribed even better and accidents are less relevant than sales figures, but in the EU a very large disinformation campaign would have to work against the will of the European lobby, which uses the expensive lidar systems.

Conclusion again from ChatGPT:

Tesla, as usual, has not unlocked another level on the launch date now, so they are still level 2, right? https://www.handelsblatt.com/technik/it-internet/autonomes-fahren-tesla-startet-robotaxi-dienst-mit-einigen-einschraenkungen/100135657.html

$MBG (-2.03%)

The Danish military is arming itself with new G-Classes. Up to 1,000 off-road vehicles are being procured, which we know from the Bundeswehr as the "Wolf".

New Wolf G464 replaces the old ones

The Bundeswehr is also gradually retiring its old wolves after more than three decades. Under a framework agreement between the Federal Office of Bundeswehr Equipment, Information Technology and In-Service Support (BAAINBw) and Mercedes-Benz, up to 5,800 vehicles of the new G model (type 464) will be procured by 2032. The contract has a total volume of around 1.3 billion euros.

Details can be found in the report under the link.

https://www.auto-motor-und-sport.de/nutzfahrzeug/daenische-armee-beschafft-1-000-mercedes-g-klassen/?_gl=1*n2nws8*_ga*VGVwNVJMUGFDUi1FTVNJMXZsa241Q2tkRThISWVEZy01dkZxWUp4OGtzeFVUaFFDQmUwMDdPcWZ0Y09ST0I0ZA..

Something that may have gone under the radar yesterday due to the conflict in the Middle East: Yesterday it was announced that Trump could consider raising automotive tariffs again after all.

This is depressing share prices, particularly of $MBG (-2.03%) which has a decisive short-term reason. But compared to the competition, Mercedes Benz is beating BMW and Volkswagen.

Why? You can find out in this video.

https://www.youtube.com/watch?si=cVoJ-7GMtt11P_2d&fbclid=IwY2xjawK5NYtleHRuA2FlbQIxMQBicmlkETFsNVBYcHNjdU9BVkx1bURLAR7tFo4okBd1TWaYAvatlSuxI33Oyy2MlidPwUOwZBMTYQwF5Xjohy9lurq3Kw_aem_VXJf60iX-mOyBepabUq34g&v=5H6DubFsNDw&feature=youtu.be

Industry in Germany: 100,000 jobs cut

German industry is facing a profound upheaval. In just one year, around 100,000 jobs have been lost, representing a massive decline in the sector. The automotive industry in particular, which includes Mercedes $MBG (-2.03%) is severely affected. Around 45,400 employees have lost their jobs here. There are numerous factors behind this trend: technological innovations, the shift towards sustainable mobility concepts and global economic challenges that are increasing the pressure on the country's industrial base. This development could not only jeopardize Germany's economic stability, but also have a lasting impact on social structures in the affected regions. The question remains as to how politicians and companies will react to this change and whether new jobs can be created in promising sectors.

Northvolt's decline: a premature end

In recent years, Northvolt, a start-up specializing in cell manufacturing, has attracted a lot of attention. With over 15 billion dollars raised in a single financing round, the company was considered the largest of its kind. European politicians were keen to promote cell production on the continent in order to reduce dependence on Asian manufacturers. Despite support from well-known investors such as Volkswagen $VOW3 (-3.02%) and Goldman Sachs $GS (-3.48%)who were betting on a revolutionary future, the company went bankrupt two years after a valuation of 12 billion dollars. This rapid decline not only calls Northvolt's future into question, but also highlights the challenges facing innovative companies today. The lesson to be learned here concerns the risks and uncertainties in a rapidly changing economic environment.

Sources:

https://www.spiegel.de/wirtschaft/unternehmen/industrie-in-deutschland-100-000-jobs-in-einem-jahr-abgebaut-a-e60643f6-53f6-4abe-a1d0-085678c58803

https://www.manager-magazin.de/unternehmen/northvolts-niedergang-warum-europas-vorzeige-start-up-am-ende-scheiterte-a-c335f293-934f-403d-8942-9b0fc89fa82f