Ferrari moves into the depot 🤝

I am currently in a buying frenzy and am thinking about which shares I could add to my portfolio.

I have already added 2x $NFLX (-0,21 %) and $NOVO B (-2,63 %)

Further considerations would be:

My current portfolio is geared more towards dividend stocks, but I wouldn't mind buying a few more stocks that are currently doing well:

$ADBE (+0,17 %) , $NOW (-2,82 %) , $IOS (+1,1 %) and $RACE (+0,59 %) .

What are your thoughts on certain stocks.

Have a nice evening :)

Good evening dear community,

Today I made my first installment in $MA (-0,27 %) today! It's been on my watchlist for a while and I liked the drop today, of course it can go lower, if you like... Then I'll buy more 🤑 I'm thinking long-term - and $MA (-0,27 %) will make a few % in the coming years, I'm sure of it ☺️

I also made 2 additional purchases today 🔥

$ADBE (+0,17 %) and at $RACE (+0,59 %) further increased my positions! The current slump in both is okay for me, at some point the 🌞

Good night 😴

What did you buy/sell today?

I opened the first position in Ferrari today $RACE (+0,59 %) today. My plan is to build up the share in a total of three tranches until it reaches a target weighting of 3% of my overall portfolio.

Why now?

Luxury is not just luxury. While many brands in the sector are struggling with a reluctance to buy, Ferrari is in a league of its own. For me, this is an excellent opportunity to add one of the strongest moats in the world to my portfolio:

Ferrari doesn't sell cars, it sells dreams. The pricing power is almost absolute - price increases are accepted by the customer base without complaint.

The order book is full to bursting. This provides a level of planning security that is hard to find with any other vehicle manufacturer.

With EBITDA margins that are more reminiscent of software companies than car manufacturers, Ferrari is a cash flow machine.

Since quality stocks like Ferrari are rarely "cheap" in the traditional sense, I choose to enter in stages:

Tranche 1: Initial foot in the door (done ✅).

Tranche 2 & 3: Placed on setbacks of around 10 to 15%.

For me, Ferrari is not a short-term trade, but a long-term investment in a brand that will last for generations. 🐎

How do you see it? Is Ferrari a buy for you at the current price or are you waiting for a bigger dip?

$COST (+0,76 %)
$HD (+1,42 %)
$ADP (-0,19 %)
$MMC (+0,05 %)
$SHW (+0,79 %)
$CTAS (+0,63 %)
$RACE (+0,59 %)
$ZTS (+0,09 %)
$PAYX (+1,19 %)
$TSCO (-1,11 %)
$TPL (+1,53 %)
$WSO (+2,55 %)
$DPZ (+0 %)

Is it Black Friday again?

Quality companies pop up in my weekly screenings from time to time. Admittedly, they are designed for this. Recently, however, the number has been increasing.

Filters:

• Marketcap > 2 billion $
• ROIC > 10%
• 52W Low: 0-10% above
• Dividend Growth: 5Y over 10%

It seems that outstanding companies with proven business models, strong and in some cases very predictable cash flows, high returns on capital and little or no debt are going out of fashion.

Is the AI narrative driving this development? Are the companies simply too boring? Do they not promise sufficient returns compared to the hype stocks? Is it perhaps the phenomenon of the quality anomaly or are the companies really all doomed?

Who knows for sure.

What I do know is that I know nothing!

I humbly look at the market and gratefully accept what it offers me, and right now I see quality companies on sale.

How do you see what the market is offering? Which company do we buy first? Do we buy at all or do we continue to exercise patience?

Let me know and write it in the comments as added value for everyone!

Link to the screening

https://finviz.com/screener.ashx?v=151&f=cap_midover,fa_div_pos,fa_divgrowth_5yo10,fa_roi_o10,ta_highlow52w_a0to10h&ft=4&o=-marketcap

I think that Ferrari will remain one of the best car manufacturer stocks in the future, as the company has high margins and an extremely strong brand.

Or: Volatility, dividends and why the tax office was my biggest cost factor

2025 is over and, looking back, it was a year that really had everything. Volatile markets, constant political bombardment, a portfolio with its own ideas and a private life that took very little interest in whether the market was red or green.

Nevertheless, at the end of the day, it was a year with which I am very satisfied overall.

Market and performance 2025

Looking at the major indices, 2025 was anything but boring:

• S&P500 fluctuated strongly and closed the year slightly negative or sideways (in EUR).
• MSCI World was able to catch up over the course of the year, but also remained without much euphoria.
• The DAX consistently outperformed and was up over 15 percent at times

As usual, my portfolio was more defensively positioned. In good market phases, I lost returns, but lost significantly less in weak phases. This is exactly what paid off, especially in the spring and summer.

The original target of 130,000 euros portfolio value (all portfolios together) was actually achieved by the end of the year. Not in a straight line, not without detours, but achieved is achieved.

Individual stocks and typical 2025 candidates

2025 had some clear winners, but also stocks that regularly demanded my patience.

Some of the stronger phases included

• Eli Lilly ($LLY (-3,32 %) ) with several double-digit monthly gains
• Tesla ($TSLA (+0,51 %) ) with typical +30 percent months, followed by equally typical setbacks
• UnitedHealth ($UNH (+1,55 %) ) as an absolute rollercoaster with months between -20 percent and +15 percent

On the other side were

• Texas Instruments ($TXN (-2,06 %) ), strongly influenced by tariffs and political uncertainties
• Ferrari ($RACE (+0,59 %) ) with a rather disappointing performance despite a strong brand
• Classic consumer stocks such as Nestlé ($NESN (-0,23 %) ) or Procter & Gamble ($PG (-0,66 %) ), which were surprisingly weak at times

All in all, however, it has once again become clear why I focus on broad diversification and defensive stocks.

Dividends 2025, my personal highlight

The area that gave me the most pleasure in 2025 was clearly dividends.

Almost every month was up on the previous year. In some cases very significantly:

• February around +65%
• March around +29%
• April almost +50%
• June over +110%
• September around +45%
• December about +12%

July was weak, as expected, but that's part of it.

At the end of the year, I reached my personal target of of around 2,400 euros net dividends or even slightly exceeded it. In the end, the total net amount was €2491.38. This is an extremely important point for me because this figure is independent of market sentiment. The dividends also came in when share prices fell or the market was collectively in a bad mood.

My dividend ladder also looks good.

If things go well, I will even receive a net dividend of €3,000 in 2026. All I need is for the USD to get a little stronger.

Portfolio reorganization and better overview

I reorganized my portfolio in the summer.

• Share portfolio with individual stocks (and gold)
• Pension portfolio with ETFs
• 
  $XEON (+0,01 %) as a separate building block for the later loan repayment

Nothing has changed in terms of strategy, but mentally it was a huge advantage. Since then, it has been clear what needs to be valued and what can simply be left to run. The view of the portfolio has become more relaxed and the reviews are much more structured.

The nest egg and the year of bills

2025 was also the year in which the topic of nest eggs caught up with me very clearly.

• Car repairs in the region of around 1,500 euros
• Tax arrears of over 4,000 euros
• In between, the charming idea of the tax office to make an additional advance payment of 6,500 euros

In the end, this was corrected, but the damage was done. At times, the nest egg had dwindled to less than 1,000 euros. And that's where you quickly realize why you build up such a cushion in the first place.

My personal resting point is now 5,000 euros. That lets me sleep peacefully. Nevertheless, I'm still consistently building up my nest egg to 10,000 euros, simply because 2025 has shown that unplanned expenses are always more creative than any planning.

Goals for 2025 and personal conclusion

Not everything went perfectly. I adjusted goals, reduced savings rates and questioned decisions several times. Nevertheless:

• Portfolio target of 130,000 euros achieved
• Around 20,000 euros invested in total including ETFs
• Net dividend target of approx. 2,400 euros achieved
• Structure and overview significantly improved

2025 was not a year for heroic stories or social media screenshots with all-time highs. It was a year for realism, learning and clean positioning.

And to be honest: if you can say at the end of the year that you achieved your goals, slept soundly and didn't permanently win the tax office, then the bottom line is that it was a good year on the stock market.

Is there anything else that interests you?

How did your 2025 go?

What did you take away from it?

If you liked the review, please follow me.

If you didn't, keep scrolling and hope that 2026 will be more spectacular.

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As long as the price moves in this range down there, my savings plan will be left to run... Now my second largest share position. $RACE (+0,59 %) 🔥🏎️🚀