$HEIA (+0.1%)
$EL (+2.63%)
$NUE (-1.05%)
$CDNS (+0.93%)
$WM (+0.04%)
$MSFT (+0.3%)
$V (+0.29%)
$OR (-0.11%)
$AZN (+3.55%)
$MRK (-1.99%)
$PG (+0.2%)
$SBUX (-0.06%)
$BCS (+2.09%)
$META (+0.66%)
$BABA (+0.19%)
$QCOM (+0.29%)
$AIR (+2.3%)
$HSBC (+1.35%)
$GSK (+0.66%)
$MBG (+0.22%)
$F (+0.3%)
$AAPL (+0.07%)
$AMZN (+0.55%)
$MA (+0.34%)
$7203 (-1%)
$SHEL (+1.08%)
$005930
$SNY (+1.17%)
$CMCSA (+0.34%)
$COIN (+0.68%)
$NET (+0.27%)
$XOM (+0.23%)
$CVX (+0.36%)
$CS (+1.04%)
$NTDOY (+0%)
$CL (-0.04%)
$DTG (+1.2%)
$UNH (-4.89%)

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 (+0.45%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0.43%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+0.78%) 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 (+0.89%) 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 (+0.1%) 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 (+0.2%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (+0.36%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+1.01%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (-0.1%) 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 (+0.09%) 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 (+0.04%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0.1%) 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 (+1.08%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (+0.24%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (+0.55%) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0.25%) 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 (+0.57%)
$SOL (-0.12%)

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

Thank you very much

I took advantage of the weaker dollar to strengthen my position in Procter & Gamble, one of the most stable and consistent companies in my portfolio. As well as lowering my average purchase priceI continue to accumulate shares in the company.

🔹 Why keep reinforcing PG?

✅ Dividend King - 68 consecutive years of dividend increases. Impeccable track record.

✅ Share buybacks - Reduces the number of shares in circulation, increasing shareholder returns.

✅ Ultra-defensive company - Everyday products that maintain demand even in difficult times.

✅ Unbeatable brand portfolio - Ariel, Gillette, Pampers, Oral-B, Fairy, etc.

✅ Buy and never sell - It's one of those companies to always accumulate.

📈 Reinforcement in line with my strategy: solid, predictable companies with dividend growth and sustainable returns.

I would prefer to sell everything and put it into say 3-5 ETFs, but due to a mixture of different feelings I can't take this step. At least not overnight. Today I was able to part with the following positions (a big step for me, a small step for my portfolio).

$COST (+0.17%) -3% may not have been the best time to sell, but I'm no longer convinced in the long term, or rather it doesn't fit my investment idea

$PG (+0.2%) -8% stinks of opportunity cost. It may be that there is a good entry point for a solid dividend stock at the moment, but I would rather continue to build up the broadly diversified ETF.

$ROL (+0.15%) -4% ditch or not, we won't see the big fast percentages here.

$RMS (+0.88%) +25% I would not buy again today at the current price and find the valuation excessively high.

Reallocated to $VWRL (+0.38%) 🥱 and $EQQQ (+0.55%) 😎

(Thanks to a mini crash from 17:00, I also got a lot of shares)

$PG (+0.2%) Today the price alarm finally went off, the 2nd lower deviation band was reached😁

Half of the year is now over. Incidentally, since July 2, we are closer to the year 2050 than to the year 2000 - just saying.

How could it be otherwise, June was also quite volatile in the middle, but the S&P500 regained everything and closed June with +2.12%. YTD, however, it is still at -7.36%.

In June, I recorded a loss of 0.32%. This corresponds to a value of around €380. It has to be said that I received fewer dividends, as getquin does not deduct withholding tax. But more about the dividends later.

The Dax (-1.11%) was finally worse than my portfolio this month. However, the HSBC MSCI World (+0.68%) beat me this time. Well, the DAX still has a bit of a head start. However, the MSCI is catching up considerably over the year. Nevertheless, I still have a slight lead of around 4%.

My high and low performers in June were (top 3):

Nintendo ($7974 (+1.13%) ) +14,96%

Airbus ($AIR (+2.3%) ) +9,91%

Texas Instruments ($TXN (+0.5%) ) +9,63%

McDonald's ($MCD (-0.23%) ) -9,24%

Procter & Gamble ($PG (+0.2%) ) -9,63%

Nestle ($NESN (+0.24%) ) -10,17%

Texas Instruments $TXN (+0.5%) is among the top 3 stocks again. But still only just over 0% for the year. The customs hullabaloo has simply taken its toll.

Airbus $AIR (+2.3%) is of course benefiting from the Boeing disaster and the defense division is also doing quite well.

Nintendo $7974 (+1.13%) has finally released the Switch 2 and is rising and rising and rising. I would have bought more six months ago... You're always smarter afterwards.

Dividends:

In June, I received €277.64 net from a total of 26 distributions.

Compared to June 2024 (€130.83), this was an increase of 112.21%.

Now comes July. The announcement of the distribution from the Global Dividend Growth ETF is not quite as bad as expected. The worst month of the year has thus changed to October.

Investments:

I still haven't finished building up my nest egg. I still haven't received the bill for the car repairs, so I still have a lot to put aside for that. In the meantime, it could come slowly so that I can finally get it off my plate. Apart from that, my nest egg is growing but it will take some time before it is at a satisfactory level. However, it should reach €10,000 by the end of December, provided nothing serious unforeseen happens.

Purchases and sales:

There were no sales in June.

I bought or increased Hershey (2 shares) and Pepsi (2 shares)

savings plans (125€ in total):

• Cintas $CTAS (-0.26%)
• LVMH $MC (-1.6%)
• Microsoft $MSFT (+0.3%)

Goals 2025:

My goal is still to have €130,000 in my portfolio at the end of the year. This target is to be achieved by reinvesting the dividend, making payments and, of course, increasing the share price. The share price increase is of course impossible to predict in any way, so the motto is: if the share price falls or does not rise enough, more cash is needed.

This comes from selling useless stuff on eBay, additional income from e.g. "neighborhood help" etc.

The worse the share price, the more additional cash has to be raised.

Target achievement at the end of June 2025: 44.44%

Who would have thought that I should actually be at least 50%. I'm not, which means I'm lagging a little behind the optimal path again. But what can't be done, can still be done.

How was your June?

Do you have any particular goals for the second half of the year?

If you're interested in a mid-year review from me, please let me know in the comments.

If you liked the report and would like to read more, feel free to follow me,

If you're not interested, feel free to keep scrolling or use the block function.

$PG (+0.2%)

https://www.finanzen.net/amp/investorenveranstaltung-procter-gamble-aktie-stabil-tausende-stellen-in-der-verwaltung-werden-gestrichen-14541492

While young and old alike are painting their helmets today, I'm taking it easy.

There were equal parts $PG , $ULVR (+0.27%) and $NESN (+0.24%) to the depot.