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- Markets
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Mastercard
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Discussion about MA
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152Quarterly figures 28.07-01.08



Do you think Mastercard makes almost 100%?
In the short term? Nope. In the medium term, probably not.
But have a look at the corresponding video on the HKCM channel (19.6.) and also at my reaction video? Have fun...
Best regards,
Angelo from Finanzen Anders
Annotation:
The majority of the GQ community is really great.
Unfortunately, there are a few "mimimis", "sheriffs", "bored", "envious", etc. who complain that I include links to my respective YouTube video.
It just so happens that my main channel is YouTube. I'm not going to write huge treatises and post them here when I can do the whole thing in short videos.
I would like to offer this link as a service to anyone who is interested:
Everyone else, you are free people, you don't have to get upset, attack me, etc. - block me and enjoy your life.
Mastercard CEO Michael Miebach: The most powerful German manager in the world
Once again a little bit of gold dust from the OMR podcast series.
"Michael Miebach has been CEO at Mastercard for three years now - and thus responsible for a company that is worth more than 550 billion euros on the stock exchange. In the OMR Podcast, the manager talks about his rise to the top of the US group, the differences between Mastercard and competitors such as American Express and the great growth opportunities in payment processing between companies. He also reveals why Mastercard sponsors events such as the Champions League despite its sales focus on banks and B2B customers, why he sees Paypal and Apple as partners rather than competitors, and how he views the situation in the world following the election of Donald Trump as US president."
Stock search for long-term portfolio
Hello dear people!
I am looking for new and interesting stocks for my long-term portfolio and would like to build up a few new positions.
They should be growth stocks with high quality, away from the big tech stocks.
In addition, they should be rather cheap/fairly valued.
Dividends are not a priority for my investment strategy, so classic defensive dividend stocks would not be an option for me.
Either purchase in tranches or as a monthly savings plan.
Thought I'd ask the great GQ community for advice, maybe you can give me a few new ideas or some inspiration and tell me your favorites 💡
I'm looking forward to your answers/comments 🤗
$IWDA (+0.2%)
$VWRL (-0.36%)
$VWCE (-0.02%)
$CSPX (-0.03%)
$NVDA (-0.17%)
$MSFT (+0.42%)
$GOOGL (+1.82%)
$AMZN (-0.44%)
$NOVO B (-19.87%)
$NU (+0.28%)
$ASML (-1.02%)
$NOVO B (-19.87%)
$1211 (+0.21%)
$MA (-1.75%)
$BRK.B (-0.82%)
$UNH (-7.25%)
Why I own them
Today I want to share with you 5 of my holdings and tell you exactly "why I own them" - a quick overview of why I got a strong conviction:
1. $MSFT (+0.42%) sells its leading software and services to both consumers and enterprises. The company's Azure cloud platform and Office 365 suite have significantly driven growth. Microsoft generates 50% of its revenue from the US and 50% internationally. Millions of individuals and businesses worldwide rely on Microsoft's software and productivity tools for their daily operations. Future growth should be propelled by its cloud services, AI and strong enterprise software demand.
-- FCF ROC: 19% I FCF Growth: 15% I FCF Linearity: 0.95 --
2.$MA (-1.75%) a major player in global payments processing, offers credit, debit and prepaid cards, along with digital payment solutions to consumers and businesses worldwide. Mastercard processes close to $6tn transactions per year. Mastercard generates 35% of its revenue from the Americas and the rest internationally. Like Visa, growth has been driven by the shift from cash to digital payments and expanding global commerce. Mastercard's extensive network, strong brand and advanced security measures offer a significant competitive edge.
-- FCF ROC: 42% I FCF Growth: 15% I FCF Linearity: 0.95 --
3. $MSCI (+1.07%) sells investment decision support tools, including indices, portfolio risk and performance analytics, to institutional investors globally. Over $1 trillion in ETF assets are linked to MSCI indexes. Growth has been driven by the increasing adoption of its indices for benchmarking and passive investment products like ETFs. MSCI's strong brand reputation, comprehensive data and analytics capabilities give it its competitive advantage.
-- FCF ROC: 31% I FCF Growth: 18% I FCF Linearity: 1.00 --
4. $CDNS (+3.31%) sells electronic design automation (EDA) software predominantly to the semiconductor industry. 44% of revenue is from the US. Cadence has benefited from the increasing complexity of chip designs and the demand for advanced electronic devices. Its competitive advantages include a comprehensive suite of design tools and long-standing industry relationships. Cadence is well-positioned to capitalise on its critical role in the design process.
-- FCF ROC: 31% I FCF Growth: 19% I FCF Linearity: 0.99 --
5. $FTNT (-0.22%) provides cybersecurity, including firewalls, antivirus software, intrusion prevention systems and endpoint security, to enterprises and service providers. They have over 730,000 customers across most industries, including healthcare, finance, tech and government. Future growth drivers include the expanding cybersecurity market, adoption of cloud security and growing demand for secure network solutions.
-- FCF ROC: 49% I FCF Growth: 27% I FCF Linearity: 0.99 --
My investable universe
When I‘m screening markets for my investable universe I look for high-quality compounders with:
- Strong and consistent capital returns (ROCE)
- High and stable profitability (gross, operating, and FCF margins)
- Steady revenue growth over time
- Large market capitalization (mature, established companies)
In detail I’m screening for:
- Market Cap: at least $ 10B
- ROCE 3-Year Avg: ≥ 25%
- ROCE 10-Year Avg: ≥ 25%
- Gross Margin 3-Year Avg: ≥ 50%
- FCF Margin 3-Year Avg: ≥ 20%
- Operating Margin 10-Year Avg: ≥ 25%
- Revenue per share CAGR 3-Year: ≥ 5%
- Revenue per share CAGR 10-Year: ≥ 5%
- FCF per share CAGR 3-Year: ≥ 10%
- FCF per share CAGR 10-Year: ≥ 10%
- Consistency/stability of earnings (from max. 1.0): ≥ 0.8
- No more than 75% revenue exposure to one single country/market (eg. USA)
Here are my current holdings:
My Portfolio
Today I‘m sharing with you my main portfolio. This doesn’t include any ETF investments and crypto currencies / gold etc. since I want to focus my presence on getquin on stock-picking.
Read my 3-part portfolio strategy posts to get the full picture - here are just the main pillars of what I‘m doing:
- Long-term buy and hold (average holding time 5+ years at least)
- Focus on high-ROIC compounders riding secular trends (top-tier capital efficiency)
- High margins, strong FCF growth, large moats (7 powers strategy)
- Holding not more than 20 stocks at a time while mainly focusing on US and EU based companies
I like to divide my holdings into „core holdings“ (forever stocks) and „trend picks“ (2030 stocks) as follows:
Core Holdings (“Forever Stocks”):
- $MSFT (+0.42%)
$ADBE (+0.88%)
$META (-1.37%)
$MA (-1.75%)
$AMZN (-0.44%)
$OR (-3.17%)
$MC (-2.64%)
$RMS (+0.1%)
$EL (+2.5%)
$BRK.B (-0.82%)
$MSCI (+1.07%)
$SPGI (+0.26%)
Growth Picks (“2030 Stocks”):
My portfolio strategy (part 3)
I use the 7 Powers framework from the book “7 Powers: The Foundations of Business Strategy” by Hamilton Helmer. It’s a killer framework for understanding why some businesses create lasting value and compound returns over time.
Each “Power” is a sustainable strategic advantage that lets a company generate outsized returns for a long time. I ask the 7 questions for each stock I am considering to buy.
1. Counter-Positioning
- What it is: A new entrant adopts a superior business model that incumbents can’t copy without damaging their own biz.
- Example: Netflix vs. Blockbuster. Blockbuster couldn’t move to streaming without killing its DVD revenue.
- Why it matters: Creates asymmetric pressure; the old guard is paralyzed.
2. Scale Economies
- What it is: Unit costs drop as volume increases.
- Example: Amazon, Costco. Bigger = cheaper = stronger moat.
- Why it matters: Hard to compete if you can’t match their cost base.
3. Switching Costs
- What it is: Customers stick around because switching is painful.
- Example: Adobe Creative Cloud, Microsoft Office, Salesforce.
- Why it matters: High retention = stable cash flows = compounding machine.
4. Network Effects
- What it is: The product gets better as more people use it.
- Example: Meta, Visa, LinkedIn.
- Why it matters: Leads to dominance, creates a feedback loop of growth.
5. Branding
- What it is: Emotional or symbolic value, not just functional.
- Example: L’Oréal, Hermès, Apple.
- Why it matters: Lets companies charge premium prices and keeps customers loyal even if alternatives exist.
6. Cornered Resource
- What it is: Exclusive access to a critical asset — talent, IP, data, supply.
- Example: ASML (EUV tech), Novo Nordisk (Ozempic IP), Ferrari (brand + heritage + team).
- Why it matters: If no one else can get it, you win.
7. Process Power
- What it is: Unique internal processes that drive efficiency, innovation, or quality — and are hard to copy.
- Example: Toyota (lean manufacturing), Amazon (logistics, culture of innovation).
- Why it matters: Long-lasting edge baked into the org’s DNA.
If I had to chose one, Network effects would be the most important one for me.
Here are my current holdings:
Also, I think you are missing TESLA in there… ;)
Good luck my friend
Depot presentation 05.2025
Hello everyone,
Since many of you have shown your depots recently, I thought I'd follow suit and present mine too.
Briefly about myself:
I have just completed my training as a bank clerk and now work in an auditing firm.
I am also unable to insure certain risks such as incapacity for work or similar due to pre-existing conditions (nothing serious).
I have also just moved into a great apartment with my boyfriend.
Investment goal:
I am building up the portfolio with savings plans as well as individual purchases. The ultimate goal is for all positions to be self-financing with €25.00 per month. With the dividends that accrue by chance, I would like to cover part of my monthly fixed costs. This is quite possible as I have an extra account for my custody account (free of charge at my house bank).
The following items are still missing: $META (-1.37%)
$JNJ (+1.39%)
$MA (-1.75%)
$MSFT (+0.42%)
$NVDA (-0.17%)
$PEP (+2.1%)
For 2025, I would like to get as close as possible to the €100.00 mark.
It's a bold target, and many might object because of the savings plan / individual purchase combination, but this is the best way for me. The role model for this is @Simpson.
I would also like to replicate the portfolio step by step at Trade Republic for vacations etc.
In my current circumstances I have enough reserves to be able to focus on dividends.
As of yesterday, I beat the MSCI World with 0.71%, which I think is pretty good.
Do you have any ideas for changes to the positions? And please don't liquidate all positions and then into the $VWRL.
The $VWRL (-0.36%) only came later that some positions overlap, but this is not a problem for me because of the dividend idea.
Have a nice weekend!
I just noticed: Your portfolio is currently very small. 🧩 With so many individual positions on a small basis, it's difficult to keep an overview and make a real impact.
Perhaps a broadly diversified ETF such as the FTSE All-World would be a more relaxed solution - simply invest via a savings plan, 🌍 be diversified and benefit from the market performance.
Often more efficient in the long term - and you save a lot of effort. ☕💡
Keep up the good work and stay tuned! 🚀
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