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The 15 percent duty will also apply to cars. This is significantly more than the previous rate of 2.5 percent, but less than the current 27.5 percent. The USA had generally made car imports 25 percentage points more expensive with a special surcharge. The tariff rate is to be reduced retroactively to August 1.
A portfolio that supports long-term, solid growth and remains balanced. The focus is on global diversification, strong dividend payers, stable industry leaders and a targeted admixture of future-oriented stocks, including in the crypto sector.
✅ = already available
👀 = on the watchlist, interesting in terms of price soon
❌ = not yet interesting in terms of price at present
ETF selection
Single stock focus
Energy & commodities:
Shell ✅, Chevron 👀, Exxon 👀, Rio Tinto ❌ $SHEL (+0.18%)
$CVX (+0.72%)
$XOM (+0.76%)
$RIO (-0.17%)
Insurers & reinsurers:
Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (-0.28%)
$SREN (-0.08%)
$SLHN (-0.8%)
$HNR1 (-0.7%)
$MUV2 (-0.91%)
Finance & payment transactions:
Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+2.38%)
$BRO (-0.72%)
$MMC (-1.25%)
$V (+0.74%)
$MA (+0.33%)
Technology & data:
Alphabet 👀, NVIDIA ❌ , Palantir ❌,
Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+1.68%)
$AAPL (+0.28%)
$GOOGL (+2.32%)
$PLTR (+1.15%)
$NVDA (+0.78%)
Health & consumption:
Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (+0.36%)
$NOVO B (+2.41%)
$ZTS (-0.34%)
$KO (-1.66%)
$WMT (-2.04%)
Automotive & Mobility:
BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (+5.25%)
$BMW (+0.96%)
$MBG (+1.75%)
Cryptos
For the weekend
Strategy remains: Patience, discipline and an eye for opportunities.
📈🌾
At 54 billion euros, the 40 companies listed in Germany's leading index, the Dax, paid out as much to their shareholders this year as in the previous record year.
However, only 21.7 billion euros of these dividends, three percent less than in the previous year, went to domestic investors. 26.9 billion euros were transferred abroad. That was 2.4% more than a year ago and more than ever before.
52.6 percent of shares in the top listed companies are in the hands of foreign investors. Only one third of Dax shares are still held in Germany - almost one percentage point less than in the previous year. Around 14 percent of shares cannot be clearly allocated to a specific region.
This is shown by a recent study by management consultants EY, which was made available to Handelsblatt in advance. According to the study, 24 of the 40 DAX companies, three more than in the previous year, are predominantly held by foreign investors.
The highest foreign share is held by diagnostics specialist $QGEN (+0.04%) Qiagen with 93 percent, followed by the chemicals trader $BNR (+2.11%) Brenntag with 88 percent. The aviation supplier $MTX (+0.18%) MTU , the real estate group $VNA (+1.8%) Vonovia and the Frankfurt stock exchange operator $DB1 (-0.48%) Deutsche Börse, four out of five shares are held in foreign portfolios.
The highest transfer abroad was made by $ALV (-0.28%) Allianz. The insurer, 58 percent of whose shares are held outside Germany, paid dividends of just under 3.5 billion euros to foreign investors after its Annual General Meeting on May 8. Just under 2.5 billion euros flowed into the accounts of German investors.
The industrial group $SIE (+1.55%) Siemens, the car manufacturer $MBG (+1.75%) Mercedes and the telecommunications provider $DTE (-0.38%) Deutsche Telekom each transferred more than two billion euros to foreign investors. The shares of all four companies have been among the highest dividend-paying stocks in the DAX for years: measured in terms of the absolute amount, but also in terms of the yield and reliability of the distributions.
US investors in particular have significantly increased their exposure to the top German companies in recent years, while at the same time investors from other European countries have become more cautious: Since 2010, the proportion of North American investors in those DAX companies for which corresponding time series are available has risen from 17.1 to currently 25.4 percent. The proportion of European investors, on the other hand, fell from 25.7% to 22.9%.
Henrik Ahlers, Chairman of the EY Management Board, sees the strong commitment of foreign investors as "proof of the continued attractiveness of top German companies and the trust that these companies enjoy worldwide". Although the problems of Germany as a business location are well known, "most DAX companies are now so strongly positioned worldwide that Germany is just one of many markets".
According to Ahlers, the recent good share price performance also testifies to the trust that top German companies continue to enjoy worldwide. It proves the reputation and credibility of major German corporations on the global market.
Source (excerpt) & graphic (excerpt): Handelsblatt, 04.08.25
If I compare a share (e.g. $MBG (+1.75%) , 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 (+0.49%) ) 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 (+0.25%)
$EL (+0.18%)
$NUE (+2.39%)
$CDNS (-0.98%)
$WM (-2.41%)
$MSFT (-0.35%)
$V (+0.74%)
$OR (-0.14%)
$AZN (-0.49%)
$MRK (+0.27%)
$PG (-1.12%)
$SBUX (-1.09%)
$BCS (+0.29%)
$META (+1.22%)
$BABA (+3.15%)
$QCOM (+1.28%)
$AIR (-0.17%)
$HSBC (+0%)
$GSK (-0.86%)
$MBG (+1.75%)
$F (+2.25%)
$AAPL (+0.28%)
$AMZN (+2.06%)
$MA (+0.33%)
$7203 (+0.43%)
$SHEL (+0.18%)
$005930
$SNY (+0.46%)
$CMCSA (+1.01%)
$COIN (+5.49%)
$NET (+0.84%)
$XOM (+0.76%)
$CVX (+0.72%)
$CS (-1.32%)
$NTDOY (+2.5%)
$CL (-1.27%)
$DTG (+3.26%)
$UNH (+0.36%)
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:
This is what my portfolio currently looks like:
🧱 ETF as a foundation
➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.
🏢 REITs & real estate dividends - for monthly cash flow
➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.
💸 Dividend stocks (consumer goods & energy)
➡️ 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 (-1.96%)
Bitcoin
➡️ This is my "future addition" - deliberately kept small, but built up regularly.
💰 Liquidity
📆 My strategy:
💭 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.
Alphabet / Waymo $GOOG (+2.17%)
Amazon $AMZN (+2.06%)
Baidu $9888 (+1.68%)
BMW $BMW (+0.96%)
CATL $3750 (+3.13%)
Dassault Systems $DSY (+0.61%)
Hexagon $HEXA B (+1.77%)
Mercedes-Benz $MBG (+1.75%)
Mobileye $MBLY
NVIDIA $NVDA (+0.78%)
Siemens $SIE (+1.55%)
SONY $6758 (+2.84%)
Qualcomm $QCOM (+1.28%)
Tesla $TSLA (+5.25%)
Somehow, posts about $TSLA (+5.25%)
$MBG (+1.75%)
$VOW (+1.11%) 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
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