Today I would like to hear your opinion :)

First of all, a brief introduction to myself:

I am 35 years old, married and have 2 children.

We live in a house and almost 10 years ago I bought my mother an apartment in which I support her financially.

Accordingly, I am paying for almost 2 properties.

My portfolio is a good mix (for me) of BTC/dividends & growth.

I buy the Mercedes shares annually as an employee package; the performance is strongly positive in real terms, but I have included them here as they also arrive in my portfolio.

$BTC (-0,65 %) I have been saving €100/month for years.

my other current savings plans:

$MSFT (+3,79 %) 200€/month

$GOOGL (+5,11 %) 100€/month

$HTGC (+3,35 %) 50€/month

The savings plans are not set in stone and will be adjusted from time to time,

The target value for shares is €3000-3500 for the time being.

the kids are now in daycare for another year + one 3 years, after which the savings rate will be adjusted upwards again (daycare fees currently ~500€/mth).

$MBG (+3,38 %)
$BLK (+4,56 %)
$MO (-2,76 %)
$ULVR (+0,14 %)
$P (+2,46 %)$MCD (+1,09 %)
$JPM (+4,41 %)

Financial position & performance

Unilever ($ULVR (+0,14 %) )achieved solid underlying sales growth in the first quarter of 2025 of 3 %driven by both volume growth (+1.3%) as well as price increases (+1.7 %).

• Total sales14.8 billion € (-0.9% YoY)
• Underlying sales: +3 %
• Developed markets: +4.5 % growth
• Power brands: +3 % growth

Causes & challenges

• Strong demand in developed markets compensated for weaknesses in emerging markets
• Headwinds from high interest rates in Brazil and Market weaknesses in China and Indonesia

Strategic focus

• Target: Normalization of the gross margin to 45
• Focus on strategic shift of resources to high-growth areas
• Further development of the power brands and strengthening of operational efficiency

Outlook 2025

• Target for underlying sales growth: 3-5 %
• Expected contribution from emerging markets especially in the second half of the year
• Expected: slight margin improvements and EPS growth in hard currency

Management commentary

CEO Hein Schumacher emphasized: "Sales growth with a strong volume contribution remains our top priority." He also clarified: "We are resolutely shifting resources to our best growth opportunities."

Key risks

• Interest rate environment in Brazil curbs demand
• Economic uncertainties in China
• Restructuring in Indonesia with potential short-term effects
• Currency risks and supply chain disruptions could weigh on the figures

Hello everyone,

Having only entered the stock market in February, I have decided to make a radical change today: I want to restructure my portfolio towards a dividend portfolio.

About the savings plan: Monthly deposits, duration: until retirement, i.e. around 38 years.

The aim is not necessarily to be able to live off the dividends, but rather to use them as a nice extra. An average dividend of 4% p.a. would be desirable.

About the portfolio:

The portfolio should consist of a 60/40 ratio of dividend-paying ETFs. The background to this is that I want to diversify as widely as possible. I currently have the $VHYL (+3,19 %) with just under 25%, the $ZPRG (+2,53 %) with just under 22% and the $IMEU (+1,62 %) with just under 13%.

The remaining 40% of the portfolio should consist of equities. And this is where your expertise is needed: which high-dividend stocks with future potential would you no longer want to do without in your portfolio?

To begin with, I have opted for $ALV (-2,71 %)
$VOW (+3,29 %)
$MBG (+3,38 %)
$O (+0,25 %)
$ULVR (+0,14 %)
$INGA (+2,41 %) and $BAS (+3,36 %) today.

I would like to have a total of 20 shares with 2% each in my portfolio. These should be as diversified as possible - both in terms of sectors and regions - even if the ETFs already contribute to this. Speculative shares may be included, but only sporadically.

Thank you very much and I look forward to your feedback!

Hello!

I have been actively working on my portfolio since the beginning of this year, my strategy is to go towards dividends and a safe investment in ETF's with ETF's I want to achieve a balanced weighting that is not too American-heavy but also focuses on Europe.

I have a monthly savings plan of €300 which is divided as follows:

50 € $IWDA (+4,12 %)

50 € $EXSA (+1,71 %)

40 € $ZPRG (+2,53 %)

40 € $WQDS (+3,39 %)

20 € $O (+0,25 %)

15 € $VZ (-0,1 %)

15 € $ULVR (+0,14 %)

10 € $JPM (+4,41 %)

10 € $JNJ (+1 %)

10 € $PG (+3,56 %)

10 € $ENB (-1,42 %)

10 € $ALV (-2,71 %)

10 € $KO (-0,03 %)

10 € $MCD (+1,09 %)

Please do not pay too much attention to the crypto positions, I will liquidate the Shitcoins in the near future when prices are good and switch to ETFs/shares.

Now to my simple question, what do you think of the portfolio? Is it good for my strategy or do you have any tips?

If you like the content, you are welcome to take a look at Instagram: (einfach.aktien)

$ULVR (+0,14 %) No investment advice, of course

🆕I've been on the stock market and GetQuin for almost 2 months now. Like everyone else, I've had to take a lot of hits in the meantime, especially when it comes to my tech positions. Nevertheless, the build-up of my portfolio is not complete and I still have €7000 cash reserve left.

Taking a closer look at my investments, the following markets are currently covered:

🇺🇸USA Tech: $NVDA (+6,94 %) , $GOOGL (+4,87 %)

🇩🇪DE Infrastructure/Sustainability: $VOS (+0,43 %)
$2GB (+2,12 %)
$DEZ (-2,65 %)

🇨🇳China Consumer goods/tech:$1810 (-0,75 %)

+ Core ETF+ Satelite $VWCE (+4,07 %) + $WSML (+4,26 %)

📉I am currently already invested with just under €7000. Now, given the current market phase, I would like to invest a further €6000 to complete my portfolio.

🛒Another €3150 will initially flow into the core ETF to build a stable base. In addition, just under €700 should go into defensive stocks such as perhaps$ULVR (+0,14 %) or$PEP (+2,46 %) should be bought.

☝🏼Wie does that sound good to you?

❓Now the question arises as to what I can do with the remaining available capital. Pharma would be one idea, but I have to be honest and admit that I only have a semi-understanding of the companies and their products. 🫠

👀Of course, I would like to invest my money in a future-oriented way, in stocks that offer good development potential and could also be valued favorably at the moment. 🔮

😵‍💫Als However, as a complete beginner, I find it difficult to recognize such stocks, as there are simply too many ways to get rid of your money.

Which sectors, shares or ETFs would you consider?

Have a nice Sunday everyone! ☀️

Dear Community, usually classic consumer staples such as P&G $PG (+3,56 %) or Unilever $ULVR (+0,14 %) usually come through times of falling share prices relatively unscathed and sometimes even gain popularity as a crisis-proof foundation with strong dividends.

About two weeks ago, I opened a small leveraged position on Beiersdorf $BEI (+1,3 %) as I consider the share to be very undervalued and most analysts share this opinion. The position is really small as I have never traded leveraged products before and see it more as a nice exercise than a path to riches. I'm currently up around 3% (which isn't five euros due to the small size) and the knockout is €88, so there's really a lot of room.

I have to say, however, that I had clearly underestimated Trump's disastrous tariffs.

Of course, no one here has a crystal ball, but perhaps the older guys can share their experiences? Do collapsing share prices also take non-cyclical consumer goods down with them in the long term or are they completely invulnerable and even rise unconcernedly? Or do they now rise for a few days at the moment of the shock because of the short-term influx and then stagnate as general consumption also becomes more restrained and more cheap brands are bought for the household? That unemployment in the US and Europe will rise and consumption will become even more expensive due to higher prices is to be expected, or do you see it differently? I wonder whether I should simply take my current profit or whether I can continue to assume that the fair value of Beiersdorf is around EUR 145 (which was my firm conviction a week ago).

But the DIV is coming 😉

Today there was a dividend from Unilever $ULVR (+0,14 %) but no ice cream! Unilever actually wanted to float its ice cream division on the stock market. Is there now a date and perhaps a name for the spin-off? Do you know anything?

The consumer goods group Unilever $ULVR (+0,14 %) was cautiously optimistic for the new year despite a strong final quarter in 2024. In the fourth quarter, Unilever was able to increase sales organically by 4% to EUR 14.2 billion, which was above analysts' expectations 🚀. Adjusted operating profit also increased by 12.6% to EUR 11.2 billion 💰. For 2025, Unilever expects organic sales growth of 3% to 5%, with growth to be accelerated by price increases in the second half of the year 📅📈.

Despite these positive figures, investors reacted with a significant drop in Unilever shares, which fell by 6.7% in early trading 📉. The announcement of a billion-euro share buyback was unable to avert the decline 💸. The company is also focusing on the listing of its ice cream division 🍦, which is to be floated in Amsterdam, London and New York. This is a disappointment for the London Stock Exchange, as it had hoped to list the ice cream business exclusively 😞.

For shareholders, however, the question remains whether the subdued outlook for margins and the subdued market environment can continue to support Unilever's long-term value 🤔.