Hello everyone. Apart from my actual custody account, I have set up a custody account for my son over the last few years. The savings rate there is around 5-6k pa. Since his birth

The Etf is only fed by dividends.

The aim is to pick companies that will survive and be profitable in another 14 years. Some future bets are also in there like palantir and drone plays.

Would you change the selection and put everything into an etf? So far I have achieved a pretty good outperformance with the portfolio.

Today is a very special day for me as an investor - my portfolio has exceeded the magic mark of +1,000 % total performance! 📈

What started as a small project years ago has developed into a real asset building block over time with a lot of patience, discipline and continuous learning. The current portfolio value is € 381,082.01, with a total return of € 194,631.88 - a proud result that I can look back on.

I have never bet on making a quick buck, but on long-term strategies, diversification and a clear vision. Of course there have been setbacks, but they are part of the game - the decisive factor has always been to stick with it and not lose your nerve.

💬 My learnings:

• Long-term thinking beats short-term hype.
• Less is more - quality over quantity.
• Investing is a marathon, not a sprint.

I hope this milestone motivates others to keep going and document their own journey. Here's to the next 1,000%! 🚀

💼 Portfolio update:

I've done it. 85 individual positions out.

Now: 1x FTSE All World ETF in.

📉 Previously:

- Analyzed charts for hours

- Quarterly figures binge-watched like Netflix series

- More nervous than a vegan at a barbecue at the slightest price drop

📈 Today:

- 1 ETF

- 4000+ companies

- Invested worldwide

- And I finally have time to drink warm coffee again ☕

Conclusion:

Diversification is cool. Simplicity is divine.

You read a lot of negative things about Trade Republic, is it really that bad there?

Today I opened a test account with Trade Republic in addition to my Scalable account, it took 1 minute to open the account.

Deposits via real-time transfer from the Sparkasse were available after a few seconds, including PDF documents.

My mother was also able to deposit money into the TR account within seconds via real-time transfer, which was then immediately available for trading.

A share purchase with fractional amounts also went smoothly.

Do people perhaps notice the negative opinions more than the many where it simply works?

Hey everyone

There seems to be only one topic today:

"Did BYD ($1211 (-5,64 %) ) made a stock split or not?"

And why do some of the charts look different?

I'll try to roll it all up neatly here, because BYD is currently taking two different measures at the same time - and this is causing maximum confusion.

What has BYD decided in China/HK?

On June 6, 2025 the shareholders approved at the AGM:

• 8 bonus shares for every 10 shares (from the profit carried forward)
• 12 capitalization shares per 10 shares (from capital reserves)

Ex date: June 10, 2025

Record Date: June 11, 2025

Credit note: Should have taken place.

This means that anyone who had BYD shares (A or H shares) in their securities account on this date will automatically be credited with these bonus shares. There will be no new fundsthe number of shares increases massively and the share price is adjusted mathematically. ADR and ADS should also have received corresponding bookings.

Why does this look like a split in the chart?

Because the stock exchange systems treat such bonus shares in almost exactly the same way as a stock split:

• The number of shares is increased
• The price is automatically reduced by the corresponding factor
• The historical price series is often adjusted retroactively

As a result the chart looks "smooth" and you do not recognize a large drop. I'm not a fan of the false representation - but so be it... Bonus shares therefore look like a split in the chart - even if they are not one in accounting terms.

Your portfolio value remains the same, only the number of shares has changed.

What about the split? (ADR)

Now comes the second construction site:

For the US ADRs (BYDDY / BYDDF) there are apparently additionally a real 6-to-1 split:

• ratio: 1 ADR is split into 6 ADRs (you get 5 new pieces for free)
• Record Date (ADR): June 11, 2025
• Payable Date: July 29, 2025
• Trading on a split basis: As of July 30, 2025

This only concerns the ADRs, not the normal BYD shares in China or Hong Kong

🔴! I could not find any communication from BYD, only from BNY Mellon, who issue and manage ADRs (service provider).

If I am wrong here, please post a communication from a (good) house bank. 🙏 To err is human :-D

What does that mean for you specifically?

• Do you have A or H shares?
• You will receive the free shares at the end of July.
• Do you have ADRs (BYDDY / BYDDF)?
• In addition to the bonus package (because the ADRs represent the shares) there will be a 6:1 split at the end of July.
• Deposit value for both options:
• Nothing changes in value in the short term.

So why the confusion?

• Many brokers simply write "share split" in the securities account because it is easier for the system.
• In reality, there are two different mechanisms:

Bonus & capitalization shares (China/HK)

Separate 6:1 split (only for ADRs)

• So there were bothBonus shares/capitalization shares and an ADR split.
• Charts look like a split because the number of shares and price are adjusted.
• Anyone who had BYD in their portfolio does not have to do anything. The new shares are added automatically.
• On Getquin, however, not everyone has linked the "correct" position in questions and posts.
• $1211 (-5,64 %) is the SHARE
• $BYDDY (-4,34 %) is the ADR (one of the ADRs)
• And unfortunately: here at GQ, the issue of "bonus shares" is also considered a split.

Hope that helps. 🙏👍

Happy Investing

GG

Sources:

Official HKEX announcement dated April 22, 2025, AGM resolution June 6, 2025

ADR note from BNY Mellon (Payable 29.07.2025, split 30.07.2025)