(Delayed) portfolio review October 2024 - A month with 5 share sales and one ETF sale

Even though October was just over two weeks ago, it feels like a different time. Germany still had an (unspeakable) traffic light government, in America the race for the White House was still open and a phone call between Scholz and Putin was unthinkable.

And even though November has been much more exciting on the stock market than October so far, October was a month of major changes from a personal perspective.

Apart from stock market investments, we are slowly starting to think about building a house. As a result, for the first time in a long time I made several sales in my portfolio and therefore also cleared out a little.

Previously this year, there were only 2 sales in my portfolio: at NVIDIA I took my stake out in February and since then have only let the profits run. In addition, in March I had Encavis after the takeover bid.

There were a total of 6 sales in October. For just under €7,000 I sold my China ETF which has recovered well over the last few months.

On the equity side, I have now sold most of the Corona Hype stocks and Match, Atlassian, Shopify and Block have been sold. In addition, I have also Pfizer sold. That was another €8,000, leaving only Sea from the Corona hype times, where I will remain invested for the time being, as it covers a completely different region geographically with Southeast Asia.

My savings quota will therefore be significantly reduced for the time being due to the upcoming house building project. From just under €1,500 to €2,000, it will only be €500-600 per month for the time being

Monthly view:

In total, October was +1,7%. This corresponds to price gains of ~5.000€.

The MSCI World (benchmark) was +0.9% and the S&P500 +1.5%

Winners & losers:

A look at the winners and losers is part of the usual picture:

On the winning side is, as so often NVIDIA is at the top with almost €3,000 in share price gains. It is followed by TSMC, Bitcoin, Alphabet and Palo Alto Networks with gains of €900-1,000 each.

On the loser side above all ASML made its contribution with price losses of almost €1,400. This was followed by Bechtle, Thermo Fisher, LVMH and Nike a broader mix of stocks that have not necessarily performed well recently. Nevertheless, all 5 loser stocks are still part of my savings plans.

The performance-neutral movements in October were just under €4,600. The sales proceeds are all still in cash accounts at the moment, so they have not yet flowed out of the assets. There will be a larger dip here at some point in the future.

Current year:

My performance in the current year is +27,5% and thus above my benchmark, the MSCI World with 23.7%.

In total, my portfolio currently stands at ~331.000€. This corresponds to an absolute growth of ~€79,000 in the current year 2023. ~53.000€ of this comes from price gains, ~3.000€ from dividends / interest and ~22.000€ from additional investments.

Dividend:

• Dividends in October were 32% above the previous year at ~€150
• TSMC is in the lead with a (gross) dividend of €30 every 3 months. TSMC has already raised the dividend for next year by 30% again
• In the current year, the dividends after 10 months are +25% over the first 9 months of 2023 at ~2.350€

Buys & sells:

• I bought in October for approx. 1.500€
• As always, my savings plans were executed:
• Blue chipsNovo Nordisk $NOVO B (+5,32 %) LVMH $MC (+0,4 %) Apple $AAPL (+0,26 %) Home Depot $HD (-2,25 %) Microsoft $MSFT (-1,57 %) Nike $NKE (-0,48 %) Starbucks $SBUX (-0,91 %) Stryker $SYK (-0,56 %) Texas Instruments $TXN (-0,26 %)
• 
  GrowthCrowdstrike $CRWD (-6,19 %) MercadoLibre $MELI (-4,31 %)
• 
  ETFsMSCI World $XDWD (-0,98 %) Nikkei 225 $XDJP (+0,1 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,99 %)
• 
  Crypto: Bitcoin $BTC (-0,23 %) and Ethereum $ETH (-0,39 %)
• 
  Sales as mentioned, there were some in October with Match $MTCH (-2,85 %) Pfizer $PFE (+1,91 %) Block $SQ (-12,06 %) Shopify $SHOP (-5,86 %) Atlassian $TEAM Invesco MSCI China All-shares $MCHS (+2,18 %)

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market development in the current year, my portfolio already stands at ~€331,000 at the end of October.

As of mid-November and thanks to the Trump rally, my portfolio is currently approaching €350,000 and was even slightly above this level a few days ago. However, with a larger cash portion that will sooner or later flow into financing as equity.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Depotrückblick February 2024 - Can the stock market only go up?

After November was the second-best November and December and January also joined the ranks, February 2024 is of course the second-best February for me since 2013.

In total, February was a strong +5,0%! Only February 2014 was even better at +8.1%. In total, this corresponded to price gains of ~13.000€ in February 2024.

In the current year, my performance is currently +11,4% and thus significantly above my benchmark, the MSCI World with "only" 6.8%.

Winners & losers:

The development of the winners and losers in February is particularly exciting, as not every tech stock is up and running.

On the winners' side the monthly groundhog called NVIDIA
$NVDA (-3,63 %) with share price gains of ~€3,600. But also Bitcoin $BTC (-0,23 %)
and Ethereum
$ETH (-0,39 %) were also at the forefront with price gains of almost €2,000 each. The top 5 close Meta
$META (-1,11 %) and TSMC
$TSM (-0,58 %) complete the top 5.

But also on the loser side there is a lot of tech. With Palo Alto Networks $PANW (-3,05 %)
Atlassian $TEAM and MercadoLibre $MELI (-4,31 %) however, mainly high growth tech stocks.
In addition Alphabet $GOOG (-2,32 %) and Amgen $AMGN (+3,04 %)

were weak.

The performance-neutral movements in February were only €200. Even though I bought in for ~€1,300, I sold 5 NVIDIA shares for ~€3,000 on the other side. You can find the reasons for this in the post from mid-February. I needed part of the €3,000 for private expenses and the rest is currently in the clearing account as cash.

In total, my custody account now stands at ~282.000€. This corresponds to an absolute increase of ~€30,000 in the current year 2023. ~27.000€ of this comes from price gains, ~330€ from dividends / interest and ~700€ from additional investments.

Dividend:

• Dividends in February were +16% above the previous year at ~€160
• In the current year, dividends after 2 months are +23% over the first two months of 2023 at ~275€.
• After already Meta
  $META (-1,11 %) announced its first dividend last month, this will be followed in April by Salesforce $CRM (-2,41 %) with its first dividend payment. In addition to the high-tech growth stocks, where I do not expect a dividend for some time yet, I am now particularly interested in Alphabet in particular.

Buys & sells:

• I bought in February for approx. 1.300€
• As always, my savings plans were executed:
• Blue ChipsAlimentation CoucheTard $ATD Alphabet $GOOG Amgen $AMGN Caterpillar $CAT Hershey $HSY Johnson & Johnson $JNJ Procter & Gamble $PG S&P Global $SPGI TSMC $TSM
• GrowthBechtle $BC8 Synopsys $SNPS (-3,7 %)
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales as already mentioned above, there was only a partial sale of NVIDIA in February

It's really exciting to see how the snowball has started to roll. I was only able to add €700 net to my portfolio in January and February, yet my assets have increased by almost €30,000 compared to the end of 2023.

Nevertheless, I hope that performance-neutral movements of at least €1,000 per month will be possible again from March onwards.

Target 2024:

My goal for this year is to break €300,000 in my portfolio. As my portfolio already stands at €282,000 as of February, I am well on my way.

I very much doubt that the stock markets will continue to rise so strongly and will soon enter a sideways trend. If my net inflows then increase again, I am optimistic that I will reach my target by the end of the year.

What are your expectations for March? Full speed ahead or will there be a sideways movement for the time being?

And which company have you been waiting a long time for a dividend? Berkshire, Amazon and Alphabet or someone completely different?

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy

Year in review & outlook 2022: Was it good? Was it bad? Or somehow a little bit of everything?

The year 2022 is my 9th year in the stock market and it was definitely not an easy year. Between inflation, war, tech crash and energy shortages, I had to maneuver my portfolio.

And yes, in the process, I met my goal (200k by the end of the year) this year not reached.

Depending on how the remaining days go, I will be missing something between 10 & 20k.

So we start with the bad news:

• Target 200k not reached
• Annual performance is at approx. -15%
• My performance was always rather above the market in the last years, this year I could not not keep up with the market
• Among other things, this was of course due to a high proportion of tech (both big and small tech).
• In addition, in 2021, I was caught by Crypto spoiled (especially by the Crypto.com Coin), here unfortunately many book profits have dissolved again
• The bottom line is that for 2022 after many years once again a stock market year with losses at the end

-> My worst investments in 2022 were:

• Match
  $MTCH (-2,85 %) Tinder, unfortunately, burned up more like a hot coal this year -> -62%
• Meta Platforms $META (-1,11 %) Probably doesn't need much to say about it -> -59%
• Ethereum $ETH (-0,39 %) Overall, I'm still at a doubling though -> -54%
• Shopify $SHOP (-5,86 %) -> -54%
• Atlassian
  $TEAM (-3,09 %) -> -49%

It feels like the bad news outweighs the bad news after a year like 2022.

However, if you take a closer look, you can easily refute that. Therefore, here is my (significantly longer list) of good news:

• First, the most important: Corona is over! Yes, Lauterbach sees it differently for sure, but for me in my life it doesn't matter anymore. Whether vacation, going out to eat or to the movies. I feel free again.
• This year I bought a condominium as an investment. I was still able to secure the financing at a super favorable interest rate of just over 1%. Here I expect another boost for my personal finances
• At work I have an important promotion received
• In total I could invest this year invest over 30,000 euros this year
• My dividends could almost break the 2,000 euros this yearthat is a jump of almost +60% compared to 2021
• In addition, there were also many other, private highlight this year

-> My best invests in 2022 were:

• Lockheed Martin
  $LMT (+2,16 %) For sure due to sad circumstances, nevertheless this year my best invest -> +49%
• Amgen $AMGN (+3,04 %) Health was the driver in my portfolio this year -> +29%
• Encavis $ECV (-0,29 %) Profits as a renewable energy producer massively from the current upheavals -> +18%
• Pepsi $PEP (+3,26 %) Safety was trump this year, that's why even a boring like Pepsi can be found here -> +17%
• Johnson & Johnson $JNJ (+2,12 %) And another boring one from the health care sector -> +13%

Outlook 2023:

So what's next for the new year?

• As soon as the condominium is ready for occupancy, I hope for reliable rental income and thereby a 3rd source of income besides my salary and dividends.
• The 200.000 Euro in the first quarter of 2023.
• By the end of 2023, the quarter of a million is the (ambitious) target. For this purpose, I consider my total (net) assets including the condominium minus debts.
• To reach the goal, a positive stock market development is important in any case. For this I assume an positive stock market year and an average return of 6-7%. on the stock market.
• My pure capital assets I would like to increase in the next year to approx. 220,000 Euro (cash, securities, crypto, BAV,...)

I will not change too much in my portfolio in the coming year. With $META (-1,11 %) and Atlassian $TEAM 2 tech stocks will leave my savings plans, but will continue to be held in the portfolio.

Probably the positions of Deere $DE (-2,08 %) and Eli Lilly $LLY (+0,32 %) will be taken over.

BASF $BAS (+1,69 %) and Teladoc $TDOC (-8,8 %) are still on the sell list. However, these are small positions, so I'm waiting for better prices here (especially with BASF, Teladoc is only a few hundred euros, I'll just leave that).

Gladly year-end feedback on my portfolio. What would you change in my portfolio in 2023? And what do you change in your portfolio?

And the most important thing at the end: Sooner or later the portfolio will run again. I'm already looking forward to the next year with a +25%, whenever that will be then ;)

#jahresrückblick
#depot
#inflation
#immobilien
#aktien
#feedback

Climate capitalists instead of climate gluts?

Through a story about the $TEAM founder who holds 11% of $AGL (-1,45 %) holds to force a transformation at the energy provider from coal to green energy generation, the idea of "democratic activist investments" came to you. [A]

The idea behind this is to get a mass of small investors to buy shares in companies whose climate technology is not to their liking through a coordinated platform. This platform would also check the verification of the ownership of the shares.

Of course, it depends on the underlying shareholder structure of the respective company whether changes are enforceable at all. As an example $GOOGL (-2,28 %) and $META (-1,11 %) you have no chance at all, since the unavailable "power shares" clearly outvote the normal ones. Apart from that, the market caps are perhaps a bit too big.

In general, instead of vandalism and coercion, I am interested in using the means of capitalism itself instead of fighting against it.

The state should also allow the population to make decisions about existing and possible investments. Because with it excuses can be avoided like:

"I don't have the money to buy shares".

"Creating a portfolio is too much work for me".

Whether decisions are exclusively made this way is questionable. Also, such referendums should rather be carried out via a digital and reformed way, as the new elections in Berlin show 🙄

The ideas are certainly not new, but I don't understand why they are not seen more as a way to reach climate goals for 2030. Not only would it be a healthy and sensible way to introduce people to stocks/capitalism, it would also be a way to enact feelings of control and participation in times of uncertainty, fear and powerlessness brought on by the common crisis of climate change.

Also, these new climate capitalists should create startups that address organized problems and unite that with capitalism. And all this in addition to appropriate demonstrations and actions. They seem to be very good at networking and organizing. So why not do it that way?

The new generations are very aware of the power they have and that is good. They are the workforce of tomorrow and know that health and time are more valuable than slaving away for a pension that comes from a ponzi scheme or doing a job that gives them no deeper meaning. And it is not unimportant to create perspectives by pursuing climate goals.

Who knows, maybe getquin will build a white-label solution that enables this co-determination and thus becomes profitable with state subsidies 👀 After all, isn't co-determination the QUINTessence of democracy?

And couldn't it be done for the future of all, instead of again for the addition of $GOOGL (-2,28 %) into a depot of some Uli, who only drives anyway @RoronoaZoro in the madness drives?

Anyway, enough with the questions now.

Who has read up to here, can tell me with pleasure his favorite Christmas pastry. Likewise, I would also find your ideas interesting 👀

Enjoy your weekend and kiss on the nut🚀

https://www.google.com/amp/s/www.cnbc.com/amp/2022/11/03/atlassian-team-q1-2023.html [A]

#klimakapitalisten
#aktivismus
#klimawandel

No longer eligible for the Nasdaq-25 Islamic savings plan at Scalable Capital. More information in this article:

https://www.patreon.com/posts/74486825?utm_campaign=postshare_creator

Part of the self-created quasi ETF "Nasdaq-25 Islamic". Savings plans run for 25 different stocks every month.

Read more here:

https://www.patreon.com/posts/61495251

In my opinion, it ran too hot.