I am halfway through my Road To 100K. We keep investing and hopefully the next 50k will go faster.

$VWRL (-0.36%)
$VHYL (-0.23%)
$JEGP (-0.36%)
$MO (+0%)
$GOOGL (+0.18%)
$MSFT (-1.1%)
$ASML (+0.64%)

#investeren
#dividend
#aandelen

https://youtu.be/knohMWGqET4?si=-9CLUuxfrobeN-kC

We are almost at the halfway point on my Road To 100K. Sold a high dividend $TROW (-2.85%) And achieved a milestone. Also took profits on another strong dividend stock.

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$ASML (+0.64%)
$VWRL (-0.36%)
$VHYL (-0.23%)
$JEGP (-0.36%)
$BATS (-0.92%)
$MO (+0%)
$GOOGL (+0.18%)#tech

#etfs
#dividend
#aandelen
#investeren

https://youtu.be/4rmE5dEYhZE?si=WWt1swu1Sfm__591

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0%) , $O (+0.46%) and $ATO (+3.55%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (-0.48%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (-0.42%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0.44%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0.23%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (-0.84%)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0.82%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (+0.36%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

Earnings $MO (+0%)

#invest
#stocks
#aandelen
#economie
#kwartaalcijfers
#earningsbt

The tobacco giant Altria $MO (+0%) beat Wall Street estimates for sales and profits in the second quarter on Wednesday. The reason for this was robust demand for its on! nicotine pouches.

The Richmond, Virginia-based company is increasingly relying on its portfolio of smokeless alternatives, such as nicotine pouches, to offset the decline in sales caused by the trend among many consumers away from traditional cigarettes and chewing tobacco.

Although sales of Altria's e-cigarette brand NJOY were halted earlier this year due to a patent dispute, strong growth in the on! segment compensated for the decline in sales.

In April, the company announced that NJOY would not be returning to the market this year. As a result, Altria had to recognize a significant impairment loss for its e-cigarette division.

The widespread sale of unregulated disposable e-cigarettes, mostly from China, has negatively impacted both the e-cigarette and traditional tobacco businesses in the US. However, Altria anticipates only limited benefits from increased confiscation of such products.

The company's quarterly revenue, including excise taxes, rose 0.2 percent year-over-year to $5.29 billion. Analysts on average had expected a 1.8 percent decline to 5.18 billion dollars, according to LSEG data.

Adjusted earnings per share in the second quarter amounted to 1.44 US dollars, exceeding expectations of 1.39 dollars.

The shipment volume of on! nicotine pouches rose by 26.5 percent, following an increase of 13.7 percent in the previous year.

The shares of competitor Philip Morris International fell last week after shipments of its ZYN nicotine pouches - by far the leading brand of pouches in the USA - fell short of expectations.

Shipments of Altria's smokable tobacco products fell 10.2 percent in the second quarter, compared with a 13 percent decline in the year-ago period.

During the quarter, the company recognized a non-cash, pre-tax impairment charge of $354 million related to an impairment of the Skoal brand (smokeless tobacco). Altria did not provide a reason for the impairment.

For the full year, Altria expects adjusted earnings per share between 5.35 and 5.45 US dollars. The previous forecast was 5.30 to 5.45 dollars.

An important earnings week is coming up. Companies like $META (+0.01%)
$MSFT (-1.1%)
$MO (+0%) will be releasing quarterly earnings.

I closed stock position completely again but I reinvested the money again

#investeren
#aandelen
#dividend

https://youtu.be/RBYUJTg7CuQ?si=PNlX1RaE-vORHAt-

I have just increased my small position $MO (+0%) increased. Either to lower the initial investment or to enjoy a few more euros in dividends or because I haven't bought anything for days and finally wanted to buy again 😁

Good morning to the community.

I would also like to introduce my portfolio and share my thoughts and goals.

First of all, a bit about myself and how I got into trading:

I am 39 years old and have actually NEVER been interested in the stock market/shares. Through a lucky coincidence in the gambling sector, I suddenly had a 5-figure sum in my account. I then went on a kind of overnight interest rate shopping spree. At some point, however, there were no more offers that appealed to me and I ended up with TR call money. At first I didn't want to invest any money in shares or ETFs, but then I decided to take a look. That was in August 2024, when I caught the bug quicker than I would have liked and, thanks to a good friend, I was able to quickly gather some information and recognize the benefits of investing.

I've been invested ever since.

Now to the structure and goals of my portfolio:

The main focus is on an ACWI IMI in order to build up a certain amount of capital through compound interest. I am expecting an investment horizon of 20 - 25 years. The aim is to have built up a certain amount of capital by then so that I can make withdrawals later in and around retirement age and enjoy a good life in retirement without having to worry. The ACWI was the first major building block for diversification. However, I am honest and I was tempted to buy a portfolio with various individual shares. These are mainly dividend-oriented. Most of the positions pay stable dividends and have moderate growth. I deliberately chose many defensive stocks such as $MUV2 (+0.02%)
$ALV (+0.23%) or $JNJ (+0.39%) in my portfolio so as not to be too speculative. Classics like $KO (+0.13%)
$MCD (-0.61%)
$PG (+0.11%) round off the whole thing. I wanted to achieve an inflow of at least €100 per month over the entire year. Currently it's around €2150 for the whole year. I enjoy having a continuous inflow of dividends that I can reinvest freely. I really wanted to take this positive aspect of the investment with me. Accordingly, I also have very strong dividend payers in my portfolio, although they can be quite volatile and operate in a difficult market environment, e.g. $SHEL (-0.21%)
$PETR4 (+1.05%) or $MO (+0%) . In December, I invested in shares of $HOT (-0.94%) and $HEI (-0.67%) with the idea that these companies could possibly benefit from the reconstruction of war zones. (I know that's perhaps not the nicest thought and I'm not a friend of wars either, but you have to ignore that when it comes to profits) and the shares of both have done really well for me. That's why I'm also invested in 2 defense ETFs. Another ETF I have in my portfolio is a "tech/software" ETF, AI & Big Data. Individual stocks were too risky for me here and I preferred to take a broadly diversified approach. I also recently added the Germany All Cap to my portfolio, as I think that Germany will be on the rise again in the future. As a small stock with the hope of a real cracker for the future, I have $DEFI (-9.58%) in the portfolio. Let's see what happens. I'm currently running a savings plan of around 200 euros a month, as I don't have the funds to pump huge amounts of fresh money into my portfolio due to a house loan.

With this in mind, I would be grateful for any tips, suggestions and perhaps also positive words. If you have any questions, please let me know.

Kind regards