Hi everyone,

I often read posts here where people ask for feedback, but the story behind them is missing. That’s why today I’d like to share my own portfolio—and my story—in a completely transparent way.

A little about me:

I’m 31 years old and have been active on GQ for quite some time. My current net worth of just under 1.28 million euros is the result of my own hard work. Even as a child, I would occasionally try out potentially profitable business ideas on the side to earn some money—and six years ago, I took the plunge into self-employment.

I now have two companies in different industries. It became clear to me quite early on that I needed a high, recurring active income if I wanted to build up a certain level of wealth, so I left my full-time job fairly early on.

For the next 12 months, I’m planning on a monthly income of approximately 30,000 euros. In addition, I naturally have recurring income, which can fluctuate up or down over the long term.

My goal is to continue growing this wealth prudently so that I can eventually live entirely off the dividends. Currently, for tax reasons, I hold portions of two stocks ($MSFT (+0,94 %) and $NOVO B (-0,7 %) ) are held as individual positions in my holding account, and the rest is held in my personal account.

My Strategy and the Core of the Portfolio

I follow a classic core-satellite approach. The core—which I intend to use later as a kind of pension substitute—consists of two ETFs: the $HMWO (+0,01 %) and the $QQQ. (+0,51 %) I’m aware that these two holdings overlap; I continue to contribute to both monthly via a savings plan.

The individual stocks and my problem children

When it comes to individual stocks, I look for a combination of long-term trends and reliable cash flow. On the one hand, I deliberately overweight tech stocks and future classics such as $MSFT (+0,94 %) , $GOOGL (+2,68 %) , $NVDA (+0,62 %) , $META (-1,51 %) , $AMZN (+1,07 %) and $AAPL (+1,07 %) , because I am firmly convinced that these industries will continue to perform well in the coming years.

For my dividend strategy and the necessary cash flow, I’ve invested in quality stocks such as $ALV (-2,07 %) , $MUV2, $NOVO B (-0,7 %) and $UNH (-1,64 %) in my portfolio. This is complemented by classic dividend-paying stocks such as $BATS (-0,71 %) , $SIE (-2,59 %) , $ARCC (-0,89 %) and $O (-1,27 %).

But let’s be honest: values like $MPW (-1,96 %)
$PYPL (-2,4 %) , $BAYN (-2,61 %) or gambling $LILM aren’t performing at all as once hoped.

In the crypto sector, $BTC (-0,36 %) as the largest holding, along with a small amount of $SOL (-0,01 %) and $XRP (+0,32 %) the whole thing—in the future, I’ll consolidate everything into the position $BTC (-0,36 %) and add a little $4GLD (-0,67 %) to it.

What’s Next

At the end of this month, I’m expecting a large incoming payment of around 50,000 euros. I’d like to split the amount and invest it both in the $HMWO (+0,01 %) as well as specifically into my dividend stocks to further strengthen the foundation.

The goal is to reach a portfolio value of 1.5 million by the end of the year.

Feel free to share your thoughts—I look forward to the discussion :-)

Hey,

I already mentioned it in my last recap, and now it’s actually here. Gingerbread is back! For me, that means listening to Christmas carols every Friday starting in September. It definitely helps me finally get into the Christmas spirit again—something I somehow never really felt until two years ago. Let’s take a look at the performance.

📈 Performance:

S&P 500: +2.29%

MSCI World: +1.97%

DAX: +2.45%

Dividend portfolio: -0.03%

My top and bottom performers in August were (Top 3/Bottom 3):

🟢 ($TSCO (-0,58 %) ) Tractor Supply +13.69%

🟢 ($MSFT (+0,94 %) ) Microsoft +10.51%

🟢 ($HTGC (-1,06 %) ) Hercules Capital +9.21%

🔴 ($UNH (-1,64 %) ) UnitedHealth -7.83%

🔴 ($BATS (-0,71 %) ) British American Tobacco -8.92%

🔴 ($IMB (-0,5 %) ) Imperial Brands -11.93%

Dividends:

August 2026: €155.87

August 2025: €157.09

Change: -0.78%

$STAG (-2,92 %) STAG Industrial now pays dividends only quarterly, no longer monthly; additionally, the dividend from Petroleo Brasileiro came in slightly lower.

Sales:

🟥 None

Purchases:

🟩 ($EOAN (-0,97 %) ) E.ON (€495)

Investment Plans:

($CTAS (-0,78 %) ) Cintas (€50)

($MSFT (+0,94 %) ) Microsoft (€25)

What else has been going on?

The heating is finally working again. The bills are with the solar panel company, but they haven’t made a move yet—I’m not sure if they’ll just deduct it or process it through insurance. So the bill is still outstanding. But that’s no big deal. As long as they cover it in the end (which they’ve promised to do several times already).

Other than that, not much has happened. I made a purchase for the first time in a while. There’s also an open order waiting for Telekom. Other than that, I’m still keeping an eye on things. Of course, I still need to keep building up my nest egg, but now that all the bills are paid, there’s a little more money left over to invest. At least, that’s what I hope.

🥅 Goals for 2026:

I’m aiming to reach €85,000 in my dividend portfolio this year. I’m currently at around €81,535. I expect to receive approximately €641 in net dividends this year (according to getquin). This means the goal is still within reach.

If you enjoyed this post and would like to read more like it, feel free to follow me;

if you’re not interested, feel free to scroll past or use the block feature.

...another month has come and gone, and nothing has really changed—except that the milestone isn’t a stock market event, but rather my passing the DATEV certification exam (law firm accounting/financial accounting) 🥳

"But investing in yourself often pays off much more than just stubbornly clinging to the past."

Otherwise, there wasn’t much spectacular going on, except for more gradual growth...

...so things continue to look good month-over-month and are also steadily on track for the year...

...the same trend can be seen in the overall view...

...so even though this isn’t a high-flyer portfolio, I’m still looking to the future with confidence, despite all the ups and downs.

And of the last 10% to reach the halfway point, another solid 1.5% has now been achieved (maybe there’s still room for more @Solitair )

》DIVIDENDS《

Unfortunately, this month’s net total was only €91.53 (-13.77% YOY), but this is due to the fact that one stock won’t pay out until next month and another is paying out less.

Looking at the year as a whole, the YOC stands at 6.78%, which is still close to the 7% target, despite investments in growth stocks.

》TOP 3《

$AII (+0,86 %) +53.08% (+61.44%)

$DTE (-1,23 %) +5.70% (+3.76%)

$YYYY (+0,35 %) +5.82% (+1.01%)

》FLOP 3《

$BATS (-0,71 %) -8.92% (+98.49%)

$3750 (+0 %) -4.83% (+117.94%)

$HSBA (-1,02 %) -4.60% (+84.70%)

》NEW POSITIONS《

44.14 x $WINC (-0,33 %)

65 x x $FTWG (-0,38 %)

》DISPOSALS《

------

》CONCLUSION《

Everything remains the same, and personal education and professional development continue to be key to success...

With that in mind, here’s to continued success for all of us here in the community 💪🏻

$BATS (-0,71 %)

I bought in at €27.xx and am very happy with my defensive cash flow machine;

I’d like to add another tranche—when would you consider doing so?

Right now, I see a target of €45–46

I’m up 75%

including dividends, 120%

YOC is 10.1% 🤘🤣

The additional tranche would amount to about one-third of my current investment.

Thanks for your opinion

I have $BATS (-0,71 %) and $PG (-1,66 %) sold them. I’d had both in my portfolio for several years. Bat doubled in value during that time, but I don’t see it continuing that way, and they’ve also dropped quite a bit since I sold at 55 euros. Procter & Gamble has more or less been treading water, and I got out at 126 with a small loss. I just can’t see them acquiring, say, something like $LDGL (-0,48 %) or $TDIV (-1,05 %) .

The proceeds went into that as well.

$BATS (-0,71 %)