$GAIN (+1.27%)

Here is the list of individual "Stocks" that pay monthly dividend that I plan to add in small percentages to my portfolio...

$MAIN (+1.76%) - Main Street Capital

$GAIN (+1.27%) - Gladstone Investment

$HSHP (-1.43%) - Himalaya Shipping

$EFC (+0.24%) - Ellington Financial

$APLE (+0.87%) - Apple Hospitality REIT

$GWRS - Global Water

Some are more solid and secure than others but since I intend to invest a limited amount of capital in them, 1 k € or so out of a portfolio of more than 110 k will not have a big influence and therefore I can afford this "experiment" aimed at raising the monthly and stable income of my portfolio, which is about 90% focused on distribution and at the same time achieving growth in invested capital.

Hello everyone,

here is my review for March. Even really early this time.

📈 Performance:

S&P500: -3.9%

MSCI World: -4.8%

DAX: -10.3%

Dividend portfolio: -5.9%

My high and low performers in March were (top/flop 3):

🟢 ($PETR4 (-4.13%) ) Petroleo Brasileiro +19.38%

🟢 ($ADM (-0.9%) ) Archer Daniels +10.98%

🟢 ($GAIN (+1.27%) ) Gladstone Invest +4.08%

🔴 ($CTAS (+1.45%) ) Cintas -13.88%

🔴 ($MC (-0.74%) ) LVMH -14.49%%

🔴 ($ULVR (+0.54%) ) Unilever -18.70%

Dividends:

March 2026: €178.82

March 2025: € 182.98

Change: -2.27%

This change is partly due to the fact that the USD exchange rate is still worse than last year. In addition, Imperial Brands also paid a significantly higher dividend last year (I think it was a special dividend). Otherwise, Unilever only pays in April and STAG has also switched to quarterly distributions, so that nothing was paid in March either.

Sales:

🟥 None

Purchases:

🟩 SIXT ($SIX2 (+0.14%) )

🟩 Ferrari ($RACE (+1.39%) )

Savings plans:

($CTAS (+1.45%) ) Cintas (50€)

($MC (-0.74%) ) LVMH (50€)

($MSFT (-6.52%) ) Microsoft (25€)

The sale of Lockheed Martin in February was fairly neutral from a purely price perspective. Lockheed has neither risen nor fallen significantly. So far, I have no regrets about the sale (although the dividend for March is now missing, of course).

What else has happened?

March was pretty up and down. In terms of performance, this was one of the worst months ever for me. The only worse month for me was September 2022 with -6.3%.

The nest egg continues to grow and, as I said, it will be fully built up in April. But I may have to work on it again. At the moment, I'm thinking about a photovoltaic system. With an almost new build, heat pump, hybrid and purely electric car, the advantages are obvious. The roof is south-facing. So I would benefit fully. The only question is how to finance it. Do I need the money that is earmarked for the loan repayment in 5 years? 100% financing from the bank? At the moment I've sent out a few requests for quotations.

My Payback points were stolen in February. 12995 points were used for a payment at DM. Well, I just hadn't activated the 2FA. Stupid myself. I wrote about it in last month's report. In fact, the Payback points were credited back to me by DM at the beginning of March. I don't know whether this was a scam or whether Payback did something because of my call. I only saw it by chance and of course had everything paid out directly to my account. Lesson learned - I will rebook more often in future.

🥅 Goals for 2026:

I'm trying to reach €85,000 in my dividend portfolio this year. This is to be achieved through dividends, deposits and, of course, share price increases. Let's see how things look at the end of the year, as the first quarter was rather sluggish. I'll have to make up for that over the course of the year.

Anyone who liked the report and would like to read more is welcome to follow me,

If you're not interested, you can keep scrolling or use the block function.

At the end of July, I made the decision to break up my portfolio. This is just a visual change, but it will take me back below 100,000 euros.

What did I do?

I decided to split my portfolio into three parts. Of course, as I said, this is only a visual change. But it allows me to make a somewhat more concrete evaluation.

But first, as usual, let's take a look at the S&P500:

For once, the S&P500 was up almost continuously in July. There was only a dip at the end of August. The main reason for the rise was the regulated tariffs.

In my opinion, the stock market reacts very quickly and very positively to any regulations, which, as we all know, can also be quickly discarded.

In the end, the S&P500 gained +3.97% (USD). In EUR terms, it is even up 6.1%.

Now let's move on to my new portfolio allocation. For the time being, nothing has changed in terms of positions. However, I have turned one portfolio into three or simply sorted things out.

On the one hand, of course, I have my share portfolio, which also serves as a review here.

Secondly, I have taken out my XEON. It's still running, of course, because that's the money that will be used to pay off the loan in five years' time. I don't need to keep that in retrospect.

I have also created a "pension portfolio". This contains my ETFs, which I save a total of €650 per month. This doesn't need to be included in the review either, as the savings plans are running there and there shouldn't be any changes until retirement.

What remains is my share portfolio, which contains the individual shares and gold.

As you can see, my performance is +1.45%.

The S&P500 has massively outperformed me here. At the same time, the MSCI World has also risen by 4.4%. Over the year as a whole, my portfolio is now down -1.7%, while the MSCI World is still down -2.7%. The S&P is even at -4.1%

Only the DAX is still outperforming everyone. Over the year, it is now up +17.7%.

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

Tractor Supply ($TSCO (+6.42%) )+15,85%

British American Tobacco ($BATS (+1.55%) ) +15,59%

Ping An insurance ($2318 (+3.25%) ) +13,52%

Nestlé ($NESN (+0.44%) ) -9,32%

Nintendo ($7974 (-0.43%) ) -11,07%

United Health ($UNH (+0.87%) ) -16,29%

Dividends:

In July, I received €56.87 net from a total of 8 distributions.

Compared to July 2024 (€74.17), this was a reduction of 23.32%.

The difference is due to the fact that Ping An already paid in June this year.

Due to my new portfolio allocation, I have excluded the ETF dividends in each case and therefore the dividend is now of course also visually much lower. The dividends received in the bond portfolio flow 1:1 back into the ETFs.

Investments:

The bill for the car has finally arrived. It amounts to around €1200. Of course, that sets me back enormously. But the worst is yet to come.

The tax was due on 31.07. Well, I was already aware that I had to pay it. However, the sum amounts to €4,000 in arrears. But where does that come from? My old employer paid me a special payment from the old year (i.e. 2023), which was untaxed except for the pension contributions. I got away with it and of course I have to pay an enormous amount as a result. This is also deducted from my nest egg, which makes it worthwhile to have a nest egg.

This means I'm starting almost from scratch again with my nest egg. However, the inspection is due next month at the latest, including an oil change and possibly a brake change.

That would probably use up the nest egg completely. If the brakes don't need to be changed, I can also use the coffee money.

Let's see what August or September at the latest brings.

Buying and selling:

There were no sales in July either.

I added to Gladstone Invest ($GAIN (+1.27%) ) (150 shares) and Hercules Capital ($HTGC (-0.53%) ) (14.45 shares)

savings plans (125€ in total):

• Cintas ($CTAS (+1.45%) )
• LVMH ($MC (-0.74%) )
• Microsoft ($MSFT (-6.52%) )

Goals 2025:

I have to change my targets slightly - together with the portfolio. Overall, the €130,000 at the end of the year will remain, but this target will of course be made smaller and the focus will only be on the dividend portfolio.

To be honest, I haven't thought about the target there yet.

Target achievement at the end of July 2025 (in relation to the €130,000): 58.33%

How was your July?

What else would be of interest or what could I do better in the review?

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

If you're not interested, you can keep scrolling or use the block function.

The second month of 2025 is already over. Time is flying by again at breakneck speed and one event or statement follows the next this year. It's crazy what's going on at the moment and at the same time the market is somehow saying "I don't care".

Up down, up down, the markets are becoming more volatile and yet, or precisely because of this, my February was almost at +/-0.

But one thing at a time.

In February I achieved a plus of 0.8%. With my portfolio size, this corresponds to a value of almost €900. Not particularly good compared to the Dax (+3.77%), but still very respectable compared to the HSBC MSCI World (-2.49%).

Unfortunately, things do not look any better over the year (YTD).

The Dax is running away with 13.3%, while the MSCI World is bobbing along at 1.6%. Here, too, I was at least able to beat the World, but I still lag miles behind the DAX.

Overall, however, I am still very satisfied. As I don't have a lot of tech in my portfolio and my stocks are (mostly) rather stable, there is often no outperformance of the stocks and if there is, it is only marginal.

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

$HSY (-2.5%) Hershey +15.63%

$T (+1.07%) AT&T +14.07%

$NESN (+0.44%) Nestle +13.10%

$ADM (-0.9%) Archer Daniels -8.57%

$UNH (+0.87%) United Health -13.16%

$TSLA (-1.32%) Tesla -27.59%

Dividends:

In February, I received a net €123.62 from a total of 10 distributions.

Compared to February 2024 (€99.26), this was an increase of 24.54%

Investments:

Due to the construction work on the house last year, the focus continues to be on building up the nest egg and saving up a "leisure account" again, as everything was really used up completely last year and only the custody account remained.

The savings plans will of course continue unabated, but individual investments are probably not possible for the time being.

Purchases and sales:

I have parted with Mercedes ( $MBG (+1.66%) ) and Medical Properties ( $MPW (-11.25%) ).

I then added to Lockheed Martin ( $LMT (+2.03%) ), Hershey ( $HSY (-2.5%) ) and Petroleo Brasileiro ( $PETR4 (-4.13%) ).

My savings plans remain unchanged, but it is quite possible that I will stop them for the time being in order to build up investment cash again.

Savings plans (350€ in total):

• Realty ($O (+0.54%) )
• STAG Industrial ($STAG (+2.46%) )
• Gladstone Invest ($GAIN (+1.27%) )
• Hercules Capital ($HTGC (-0.53%) )
• Cintas ($CTAS (+1.45%) )
• LVMH ($MC (-0.74%) )
• Monster Beverage ($MNST (+3.08%) )
• Microsoft ($MSFT (-6.52%) )

Goals 2025:

My goal is to have €130,000 in my portfolio at the end of the year. The goal 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 February 2025: 37.41%

So I'm on the right track (so far). I'm curious to see what else will happen in 2025 and hope that the crash, which seems to be getting closer and closer, will take a little longer (so that I can continue to accumulate cash).

How was your February? Are you happy so far? I think that, due to the volatility, the portfolios in February are far more spread out than they were in January or even at the end of last year.

Portfolio feedback requested

I (early 50s, so still a good 15 years to work on the portfolio) would like to hear your opinion. I've been with Trade Republic since January, mainly because of the 4%. But then I started saving a few ETFs, then buying and selling a few shares. So I played around. At the moment my portfolio has three or rather four different parts. Let's put it this way, the family treasury has given me around €10k to play with. The rest remains in call money.

Of this 10K I would like to have a part to play, individual stocks, §IWDA, other ETFs that are close to me because of my work, XRP.

But that's not my topic here.

I want to build a dividend portfolio. Reduce working hours or improve pension, we'll see where the journey takes me. For now, I would reinvest all payouts.

The composition from December would look like this:

$MCD (+2.55%) 15%

$EXSH (+0.19%) 9%

$MAIN (+1.76%) 9%

$ARCC (+2.23%) 9%

$HTGC (-0.53%) 9%

$O (+0.54%) 9%

$CSWC (+1.4%) 5%

$PFE (+1.7%) 5%

$KAP (-3.54%) 5%

$JEGP (+0.34%) 5%

$TGT (+1.56%) 3,5%

$GAIN (+1.27%) 5%

$QYLE (-2.01%) 5%

$VHYL (+0.17%) 1%

What do you think about the composition? Should something go in/out?

My aim would be to distribute the monthly distributions evenly. I'll have to play around with the ratios a bit.

My problem is that the months of January, February, April and May look too poor. What would you suggest that pays out in these months?

Roast me!

High Yield Income Portfolio

Disclaimer: I know that this is not an optimal strategy (I also have a real portfolio). I also know that very few people are interested in this type of portfolio, so feel free to skip the post, you won't miss anything.

I started building this HY Income portfolio about three months ago.

The first position was $QYLE (-2.01%) and now I've gradually added more stocks.

$QYLE (-2.01%) is pretty much the classic when it comes to covered call ETFs and is in my opinion a must have for every portfolio of this type.

$ACRE (-0.33%) I have great confidence in the management of Ares and the company is one of the few MREITs that I trust with my money. ACRE's portfolio is currently being restructured to be more defensive.

$GAIN (+1.27%) Solid monthly dividend payer with some growth. The management seems pretty solid to me.

$OBDC (+3.43%) Since the company has changed its strategy a bit and is now investing more in equity to increase NAV, it is my favorite BDC.

$STHE (-0.02%) PIMCO specializes in high yield funds, in my opinion it is especially important in the high field area that you trust the management, which is why I chose this product.

$DIV (+1.16%) I like the portfolio of royalties and it offers further opportunities for diversification.

$JEGP (+0.34%) I really like the JP Morgan Covered Call ETF strategy, but will possibly exchange it for $JEPI as soon as it is tradable at TR.

$RITM (+1.2%) I like the vision of the CEO and the dividend is double covered.

$SEDY (-0.85%) was recommended to me by a friend.

QYLE is now being saved less, the focus is on the other stocks.

What are your favorite high yield stocks?