Symbotic has agreed to sell the Robotics Unit of Walmart
$WMT (+0.24%) for 200 million USD in cash and up to USD 350 million in future payments, reports WSJ.

Hello Community,

As previously announced, I would like to give you a brief overview of the current changes in my portfolio today.

I keep my securities account with ING-DiBa.

There are fees for savings plans on individual shares in the amount of 1,75 % of the savings amount, while ETF savings plans are free of charge.

I also use an overnight deposit account, which unfortunately currently only pays 1,25 % interest.

Individual orders in direct trading are charged at 4.90 euros plus 0.25 percent of the investment amount if they are not part of a savings plan.

Sales in the last few weeks:

-ADM $ADM (-0.56%)

-Medical Properties $MPW (-0.68%)

-Virgin Galactic $SPCE (+0.16%)

- Alphawave $AWE (+2.61%)

Purchases this week:

-Rheinmetall (first purchase) $RHM (+0.47%)

-NU Holding (subsequent purchase) $NU (-0.03%)

My strategy for 2025:

In a nutshell:

Everything as always with me - savings plans and targeted individual purchases when the price and available cash are right.

This strategy has proven itself over the years and will remain my approach in 2025.

I have planned another sale when the share price is right and would like to buy DHL Group
$DHL (+0.22%) from the portfolio and invest the cash in Rheinmetall position.

Current savings plans (monthly):

-225 € ~ FTSE All World $VWCE (+0%)

-100 € ~ Tesla $TSLA (+1.22%)

-50 € ~ Microsoft $MSFT (+1.51%)

-50 € ~ Alphabet $GOOGL (-0.96%)

-50 € ~ Palantir $PLTR (+3.36%)

-25 € ~ Merck & Co. $MRK (+0.22%)

-25 € ~ Walmart $WMT (+0.24%)

-25 € ~ Allianz $ALV (+0.07%)

-25 € ~ RTX $RTX (+0.07%)

-25 € ~ Home Depot $HD (+0.29%)

-25 € ~ Apple $AAPL (-0.22%)

-25 € ~ Intel $INTC (-0.64%)

-25 € ~ Coca Cola $KO (+0.28%)

-25 € ~ McDonald's $MCD (+0.21%)

-25 € ~ Rheinmetall $RHM (+0.47%)

Current allocation by asset class in the portfolio:

-94,33 % Equities

-3,62 % Crypto

-2,05 % Gold

🔖 My approach to savings plans:

When I add a share to my savings plan, I always start with a basic investment (between €2,000 and €2,500) before I start with regular savings amounts.

I make sure that the share price is attractive at the time of entry - ideally I use a short-term dip.

Dividends received are always reinvested immediately, either through savings plans or targeted purchases.

Note on REITs (Realty Income and STAG):

Unfortunately, ING-DiBa does not offer monthly savings for REITs.

I therefore invest the dividends directly in my Allworld savings plan instead.

My position in Realty Income
$O (+0.29%) and STAG
$STAG (+1.2%) this year through individual purchases.

Watchlist with planned purchases:

-Euwax Gold 2 (additional purchase) $EWG2 (+0%)

-Palantir (additional buy) $PLTR (+3.36%)

-Nvidia (additional purchase) $NVDA (+3.95%)

-Reliance Industries (initial purchase) $RIGD (+0%)

-Aerovironment (initial purchase) $AVAV (+0.38%)

I hope you enjoyed this little insight into my portfolio.

I don't actually do that much, as I simply save my positions on a monthly basis and make targeted individual purchases.

P.S. I discover impressive portfolios on Getquin every day and keep coming across stocks that I am not yet familiar with.

The articles on various topics are also simply great.

Many thanks to the fantastic community and the daily "education"! 🫶

Best regards,

Michael

Last year, there was a distinct lack of snow in December. Instead, the portfolio did really well and I made progress with my crypto sell-off strategy. A small cold in the fall, despite taking good precautions, set me back in terms of ice bathing and hiking, but fortunately I was healthy again by Christmas. Unfortunately, that wasn't all... Time for a look back.

I present the following points for the past month of December 2024:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ WHAT IS REALLY IMPORTANT

➡️ OUTLOOK

➡️ Shares

$AVGO (+1.17%) is back on the tube. Wow, at +276%, the stock is now up for me. After the share cooled down a little, it went to the moon again in December.

$NFLX (+1.02%) and $SAP (+0.39%) are on a par with the previous month in terms of performance and are still in 3rd and 4th place in terms of volume. $WMT (+0.24%) . The retail chain will soon become a doubler for me.

The red lanterns will once again go to the usual suspects $NKE (+0.3%) , $DHR (+0.2%) and $CPB (-0.42%) . In terms of performance, all three stocks are down between -30% and -20%. They are the smallest positions in my main share portfolio with the $DHL (+0.22%) However, across all portfolios, the smallest positions are the new additions $SHEL (-0.02%) and $HSBA (-0.36%) .

➡️ ETFs

The ETFs are doing their thing as usual. This month, I immediately invested a refund from the previous year's utility bill in the $GGRP (+0.01%) and $JEGP (-0.05%) invested. I'm always expanding this asset class in particular with cash inflows. I don't care about timing. The money should go into the assets so that the stream of distributions keeps growing. I buy income and want cash flow.

➡️ Distributions

I received 34 distributions on 14 payout days in December. I am grateful for this additional income stream. My minimum target has been met anyway in this high-distribution month. The snowball rolling down the slope is getting bigger and bigger.

I already donated part of the dividend at the beginning of the month. This is based on the conviction that you can (and should) give something back, no matter how small, if you have the opportunity to do so.

➡️ Cashback

In November, I received €6 from redeemed Payback points, the equivalent of which I transferred from my grocery account to my settlement account. As already mentioned, there was also a credit from the utility bill. REWE and Penny have now separated from Payback, while Edeka, Netto Markendiscount and Marktkauf have joined. All three new stores are not in my immediate vicinity, which is why I will earn fewer Payback points in future. I will most likely collect the points mainly at DM. REWE and Penny now have their own bonus programs. REWE's will be exciting, as I can also save up credit with my purchases. I will deduct this discount from my grocery account and invest it in the same way as before. I'll see over the year whether it pays off more than Payback did back then.

➡️ Subsequent purchases

As already mentioned, there were additional purchases at $JEGP (-0.05%) , $GGRP (+0.01%) and $SPYD (-0.51%) . I always invest every little return or leftover money to further increase my portfolio. This buys me freedom.

➡️ P2P loans

I was finally able to get rid of Peerberry. Now only Mintos is hanging on my leg like a log. A mid-double-digit amount, which has long since defaulted, is still waiting to be refunded or written off.

This asset class will soon be history for me.

➡️ Crypto

All in all, December was another exciting month for crypto investors. Limit orders were triggered again for me. The last tranches $LINK (-3.5%) have left me, as has a first tranche $UNI (-1.6%) and a first tranche $BTC (-0.53%) . I have invested the proceeds in $HSBA (-0.36%) and $SHEL (-0.02%) invested in the separate portfolio. I have already explained my underlying strategy in detail, which you can read about in my articles. Recently, the crypto market has been in a sideways phase again. I'm hoping for another breakout in January to trigger further limit orders, as I still need to buy a security so that the separate portfolio pays me a return each month. So far, only two out of three quarterly months are covered. The two new stocks have even performed well in this short period of time, gaining around +3.6% within a month. The last purchase will perhaps be an ETF. You will see more about this in the coming reviews. I am already looking forward to collecting again in the coming bear market and will then certainly write an extra post with the levels at which I will gradually enter again.

➡️ What is really important

I remember December as a good month in financial terms, but unfortunately Christmas was overshadowed by tragic events this time.

After recovering from my cold at the beginning of the month a few days before Christmas Eve and getting back to my daily routine (consisting of work, running, ice swimming, hiking and my love of finance), I received the terrible news from Magdeburg. I am simply stunned and ask myself "why?". I am not affected, I am not one of the bereaved and I don't know any of the victims, the wounded or the bereaved personally, yet this event brought me down on the evenings around the Christmas holidays. Loyal readers know that I am working on a closer relationship with my ex's kids. Even though my blood doesn't run through their veins, questions ran through my mind about what if they were affected by the horrific act, or me? It could have happened anywhere. At least in the event of my untimely demise, I also made appropriate arrangements in the last few days of the year to ensure that what I leave behind ends up where I want it to be. I spent the turn of the year with the kids and the time I spent with them was the best end to the year imaginable. It's nice when connections continue to exist and you remain part of the life of the Kampfzwerge and can continue to accompany them through life.

➡️ Outlook

New year, new luck. I'll be surprised what the new year will bring. There will be a separate post for the evaluation of 2024 as a whole. I'm particularly happy because I exceeded an important goal despite a few expenses.

Links:

Social media links can be found in my profile, you can also check out the Instagram version of my review.

$WMT (+0.24%)

Have any of you experienced the dividend payment being canceled?

I currently have the case at Trade Republic with the Walmart dividend from January 6th.

Taxes were also deducted, although there is a FA. (also updated for 2025)

Does anyone have an explanation for this?

... and $PEP (+0.36%) 271 dollars

Happy New Year everyone! We are starting the new year with adjustments to the Sina ETF. (The performance here below somehow no longer corresponds to the actual performance, but so be it...) After this post you'll have peace and quiet from my ETF again :D

I sold some stocks and invested the dividends I received last year. That left me with 19 euros in cash, so it's still a 40-share ETF ;)

If this were my only portfolio, I would probably have held more cash and not reinvested directly, as the entry point doesn't always seem optimal. But I also proceeded without regard to entry points.

For the question of how high the profits or losses were, please refer to the portfolio.

Out are:

$STLAM (-0.64%) (loss)

$AFX (+0.25%) (loss)

$MC (+0.01%) (loss)

$OR (-0.26%) (loss)

$7203 (+0.39%) (loss)

$D05 (-0.93%) (Profit)

$RHM (+0.47%) (Profit)

$ENR (+0.89%) (Profit; also dropped from my "real" portfolio)

Partial sale:

$WMT (+0.24%) at 50%

Increased by:

$AAPL (-0.22%)

$MSFT (+1.51%)

$ASML (+1.15%) Since the position was down over 20%, but I am convinced in the long term

$GOOGL (-0.96%)

New additions:

$BKNG (+0.3%)

$JPM (+0.07%)

$NU (-0.03%)

$COST (+0.31%)

$AFL (+0.12%)

$INTC (-0.64%)

$CRM (+0.73%)

$NOVO B (+0.77%)

Hello everyone, today I would like to ask you for your opinion on my long-term investment portfolio 🤓.

First an introduction

I have long been interested in the financial markets but it was only recently that I have been able to start investing

I am currently training to be able to dedicate myself to the financial sector in the near future.

Components of my portfolio 📈

Firstly because of the rise of artificial intelligence and the future that lies ahead I tried to buy technology stocks at a good price or that were going through circumstances such as the trial that had $GOOGL (-0.96%)

I did not want to get into more overvalued stocks like the case of $PLTR (+3.36%) even though I discovered it at $29 🥲 (although it was already trading at 50 times earnings) and even though I don't like it very much I didn't like it either in $TSLA (+1.22%) which was already overvalued and now the PE is close to 100 times earnings, even so I remain firm to the philosophy of not betting on the markets and invest long term in companies that I consider valuable and at a good price 🎯

Secondly, I have other more recent but very successful technology stocks that have not yet shown consistent and growing profits, but which I am confident will do so in the future, such as $UBER (+0.34%) y $ABNB (-0.01%) among others...

And for more stability in equities I have stocks like $WMT (+0.24%) o $ITX (-0.12%) to have a more stable growth and receiving some annual dividends, later on I will look for buying opportunities in other companies like $MCD (+0.21%)

Finally I keep at least 25% of my capital in money market funds growing at the level of inflation without assuming interest rate risk and I balance to keep it that way every 6-8 months or so.

What do you think could be improved?

Let me know in the comments what you would change or do differently, I'll read you down here 👇

Medium-term objective to buy positions in $MA (+0.69%) y $V (+0.02%) when they reach a more appropriate price

These are companies that have performed very well in periods of crisis and maintain stable and growing dividends and constant results.

To equalize the risk a bit, when I have my portfolio at full capacity it will be composed of:

60% Technology with Growth Potential

$GOOGL (-0.96%)
$NVDA (+3.95%)
$MSFT (+1.51%)
$META (+0.59%)
$AAPL (-0.22%)
$AMZN (+0.37%)
$ABNB (-0.01%)
$NFLX (+1.02%)

30% Well-performing companies in crisis with stable growth and dividends.

$WMT (+0.24%)
$MCD (+0.21%)
$ITX (-0.12%)
$MA (+0.69%)
$V (+0.02%)

10% Companies that can give good results in the long term and are going through temporary difficulties or companies that do not have profits because they reinvest everything in growth (riskier investments but with a higher possible return).

$BFIT (-0.14%)
$NKE (+0.3%)
$BMW (+1.05%)

Any ideas to contribute? 💡

My portfolio shows a breakdown into different sectors and areas:

trade Republic: the shares and ETFs

scalable Capital : the gold

This is just the portfolio I want to hold for the next few years with a long-term savings plan. And if necessary, individual purchases where the opportunity arises, I think I am now quite well positioned or what do you think of the portfolio.

Stocks that I would like to hold for the long term

• Technology:
• 
  $MSFT (+1.51%) Microsoft,
• $AAPL (-0.22%) Apple,
• $ASML (+1.15%) ASML

• Consumer goods:
• $KO (+0.28%) Coca-Cola,
• $MCD (+0.21%) McDonald's.

• Finance and insurance:
• $ALV (+0.07%) Allianz,
• $V (+0.02%) Visa

• Real Estate:
• $O (+0.29%) Realty Income.

• Armor:
• $LMT (+0.36%) Lockheed Martin.

• Retail:
• $WMT (+0.24%) Walmart.

- Various sectors:

- $8001 (-1.67%) Itochu

- Health

$JNJ (+0.57%) Johnson & Johnson

ETF as core overlaps are relatively unimportant to me in this area :)

- FTSE All World :

$VWRL (-0.04%)

-Global Quality Income:

$FGEQ (+0.08%)

and then as a supplement

$BTC (-0.53%) bitcoin

and gold $EWG2 (+0%)