Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (+1.79%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (-0.39%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (-0.04%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (-0.58%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (+0.35%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (+0.15%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (+3.25%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+3.47%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (-0.11%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (-1.03%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+1.3%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (-0.48%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (-0.14%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-6.07%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-1.9%) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0.75%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+0.91%)
$SOL (+0.23%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

The start of summer in June combined sport and leisure for me. By that I mean swimming, hiking, running and sport at home. Apart from the incoming dividends, I hardly noticed anything on the stock market. It was not the strongest distribution month due to the postponement of three distributions, but it was still a very strong one. Time for a review.

Overall performance

The portfolio tended to tread water in June, but that is no cause for concern. Bit by bit, it is fighting its way out of the lows of the customs conflict. And cash flow continues to be generated by distributions to the clearing accounts. The key performance indicators are:

• TTWROR (month of May): +0.19 %
• TTWROR (since inception): +65,45 %
• IZF (month of May): +2.47 %
• IZF (since inception): +10,21 %
• Delta: +€148.63
• Absolute change: +1,173.63 €

Share allocation & performance

Which shares performed particularly well in June? Which are at the top and which at the bottom of the rankings? Which were the biggest losers?

Size of individual share positions by volume

• Share: Share of total portfolio in % (securities account)
• $AVGO (-1.37%) 2.78 % (main share portfolio)
• $NFLX (-0.79%) 2.20 % (main share portfolio)
• $WMT (+1.04%) 1.71 % (main share portfolio)
• $SAP (-1.48%) 1.59 % (main share portfolio)
• $FAST (+1.1%) 1.55 % (main share portfolio)

Smallest individual share positions by volume:

• Share: Share of total portfolio in % (securities account)
• $SHEL (-0.14%) 0.44 % (crypto follow-on portfolio)
• $HSBA (+0.72%) 0.54 % (crypto follow-on portfolio)
• $TGT (-1.11%) 0.62 % (main share portfolio)
• $GIS (-0.95%) 0.63 % (main share portfolio)
• $CPB (-1.1%) 0.64 % (main share portfolio)

Top-performing individual shares

• Share: Performance since first purchase % (securities account)
• $AVGO (-1.37%) : +261 % (main share portfolio)
• $NFLX (-0.79%) : +198 % (main share portfolio)
• $SAP (-1.48%) +106 % (main share portfolio)
• $WMT (+1.04%) : +68 % (main share portfolio)
• $RSG (+1.66%) +47 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $DHR (+3.25%) -57 % (main share portfolio)
• $CPB (-1.1%) -42 % (main share portfolio)
• $TGT (-1.11%) -37 % (main share portfolio)
• $GIS (-0.95%) -36 % (main share portfolio)
• $NKE (-1.03%) -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.7% to 61.3%. This differs from the breakdown of my ETFs to equities savings plans (43% to 57%). Equities have performed better, which is due to the fact that I also include high-dividend ETFs in the ETFs.

Investments and additional purchases

Here is a brief overview of what I have invested in savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuity from refunds: € 32.32
• Automatically reinvested dividend by broker: € 7.25 (Function is only activated for an old custody account, as I want to control the reinvestment myself)

Additional purchases were made from other surpluses:

• Number of additional purchases: 2
• 25.00 € for $FGEQ (+0.23%)

There were no additional purchases from the components of my cashback pension (e.g. reimbursements from health insurance premiums, insurance premiums, shopping vouchers, etc.) this month.

If you would like to know how my cashback pension supplements my equity and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 152.30 (€ 179.04 in the same month last year). This corresponds to an increase of -14.94 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 31
• Number of payment days: 15 days
• Average dividend per payment: € 4.91
• average dividend per payday: € 10.15

The top payers are:

• $VNA (-1.74%)
• 
  $ARCC (-0.08%)
• 
  $TDIV (-0.54%)

My passive income from dividends (and some interest) mathematically covered 15.91% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +3.81 %
• Performance since inception: +79.49 %
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.19 %

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my passive income strategy. The first profits have already been realized and more will definitely follow. For me, crypto is a lever to turn play money into even more play money, which is then put into the solid distributors to make the income snowball grow bigger and bigger. New accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +0.19 %
• $VWRL (-0.23%) : +0.39 %
• $VUSA (+0.09%) : +1.24 %

Outlook and conclusion

I'm using the summer, which has already begun, not only for hiking, but also for city trips for my "non-financial" TikTok and Insta channel. I can often be found at one of the lakes near Leipzig, which were once created from the open-cast mining pits of the brown coal era. It's nice that the lunar landscapes have become a local recreation area. That's why I'm less active at the moment. That will certainly change again in the fall.

For now, I'm just enjoying life, and my money continues to work stubbornly and steadily for me in the background. Current events in the world and in politics don't interest me in the slightest. As I write this review, the first third of the summer will soon be over.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 You'll find regular posts there as well as the portfolio and budget review: @frugalfreisein

How did your June at the depot go? Do you have any tops & flops to share? Leave your thoughts in the comments!

Hello to the community ✌️

I would like to reduce the size of my portfolio.

my portfolio currently consists of 1 ETF and 40 individual shares.

my goal is to reduce the number of individual stocks to around 30-32 positions over time 🤔

There are currently 2 positions at the top of the closing list

$NKE (-1.03%)
$REGN (-0.16%)

I would like to add 2,3 more positions, but unfortunately I don't have the imagination to get rid of them 😅

Maybe with the help of the community here, to make the decision a little easier😬

On the other hand, I also want to $COST (-0.62%) & $WM (+1.3%) despite the still high valuations, but they are absolute Dauerläufer🤷🏼‍♂️

What are your opinions?

which positions would you throw out?

and why exactly these?

Thank you !

Subscribe to the podcast to shoot warrants. Have you already traded warrants?

Spotify

https://open.spotify.com/episode/6eUCipCIN8uP4yhBAEKzoz?si=5Ql0bFgMRF2SukJnu3DEHQ

YouTube

https://youtu.be/wNa1Y2te0bk

Apple Podcast

https://podcasts.apple.com/us/podcast/99-optionsscheine-f%C3%BCr-anf%C3%A4nger-mit-patrick-kesselhut/id1695869891?i=1000716954142

$NKE (-1.03%)
$RHM (-1.74%)
#options
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Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0.34%) Deka DividenenStrategie - €100 per month.
• $CSPX (+0.08%) Ishares S&P 500 - 50 €/month
• $VWCE (-0.1%) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0%) Berkshire Hathaway B - €50/month
• $SMEA (-0.91%) Ishares MSCI Europe 50 €/month
• $VHYL (-0.35%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-1.35%) , $AMZN (+1.41%) , $AAPL (+0.35%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0.39%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0.91%) buy.

Should be removed from the portfolio:

• $TGT (-1.11%) Target
• $NKE (-1.03%) Nike
• $D6RF (+1.18%) Deka Umweltinvest
• $DEDG (-0.51%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

I recently joined and have built up a little bit. I hope to build up something in the long term 😅 We'll see over the next few years

$TSLA (-9.21%)
$NVDA (+0.43%)
$NOVO B (+0.88%)
$1211 (-1.63%)
$MSFT (+1.08%)
$NKE (-1.03%)
$PATH (-2.94%)

$GS (+0.95%) warns that the Q2 2025 figures will reveal the impact of US tariffs on companies' profit margins for the first time. Companies with low price leadership in particular could be forced to bear the higher costs themselves. $GIS (-0.95%) warned of higher costs and was punished on the market. $NKE (-1.03%) was able to calm the market by successfully passing on costs. Analysts expect earnings growth of only 2.6% for the S&P 500, a considerable decline. According to Estimates, only Communications and Info Tech are likely to increase their margins year-on-year. The 9 other sectors, especially Energy, are most likely to report margin declines.

𝖣𝖾𝗎𝗍𝗅𝗂𝖼𝗁𝖾 𝖵𝖾𝗋𝗅𝖺𝗇𝗀𝗌𝖺𝗆𝗎𝗇𝗀 𝖽𝖾𝗌 𝖦𝖾𝗐𝗂𝗇𝗇𝗐𝖺𝖼𝗁𝗌𝗍𝗎𝗆𝗌 (𝖸𝗈𝖸 𝖤𝖯𝖲) 𝗂𝗆 𝖲&𝖯 500 𝖿ü𝗋 𝖰2

$NKE (-1.03%) increased after the good figures

As every Sunday, the most important news of the past week, as well as the most important news of the coming week.

Also as a video:

https://youtube.com/shorts/khqecInW6c8?si=IALE-8QVh3DOsQol

Monday:

The Munich-based company Brainlab is probably planning an IPO (initial public offering) in the near future. This would see a med-tech start-up go public. It would be the largest IPO of the year in Germany. The initial listing is planned for July 3. Brainlab develops medical technology software for radiotherapy and surgical procedures and would like to use the money from the IPO to expand.

https://www.handelsblatt.com/unternehmen/industrie/ipo-brainlab-strebt-bewertung-von-bis-zu-zwei-milliarden-euro-an/100136739.html

Tuesday:

The business climate in Germany continues to improve for the 6th time in a row. The ifo index rose to 88.4 points in May. The mood in the manufacturing sector is even more subdued than among service providers.

https://www.handelsblatt.com/politik/konjunktur/konjunktur-ifo-geschaeftsklima-hellt-sich-im-juni-auf/100137017.html

Consumer sentiment in the US has taken a surprisingly sharp turn for the worse, falling to 93 points from 98.4 last month. Economists had expected an increase to 100 points.

https://www.fuw.ch/konjunktur-usa-us-konsumklima-truebt-sich-ueberraschend-ein-935485708580

Thursday:

The economic data for the USA turned out worse than expected. Consumers in particular are holding back, which is likely to be a direct consequence of the tariffs.

https://edition.cnn.com/2025/06/26/economy/us-gdp-q1-final

$NKE (-1.03%) Nike delivers figures that are well above expectations. Although profits slumped by 86% to 211 million dollars and sales fell by 12%, analysts had feared worse. The share can therefore make significant gains.

https://www.deraktionaer.de/artikel/aktien/nike-ueberrascht-mit-zahlen-aktie-schiesst-an-die-dow-spitze-20382331.html

Friday:

The inflation rate in Japan's capital Tokyo comes back slightly to 3.1%, but remains above the Bank of Japan's inflation target (2.0%). However, expectations were for an even higher inflation rate.

https://www.reuters.com/business/core-inflation-japans-capital-slows-stays-above-boj-target-2025-06-26/

$RTLL (+0.5%) RTL plans to acquire Sky Deutschland for just over half a billion. RTL would then have a total of more than 11 million paying subscribers, which would contribute to the Group's strategic goals. The share price reaction is interesting; normally the share price of a company that announces a purchase falls, but here it is different. The decision is well received on the stock market, there is probably a lot of synergy potential.

https://www.welt.de/sport/article256313146/TV-RTL-kauft-Sky-Deutschland.html

These are the most important dates for the coming week:

Monday: 14:00 Inflation data (DE)

Tuesday: 11:00 Inflation data (EUR)

Friday: 11:00 Producer prices (EUR)

#inflation
#ezb
#euroraum
#erzeugerpreise