I hope I wasn't too early 🫢

I would like to make these purchases:

$SPOT (+1,12 %) , $META (-7,03 %) , $GOOGL (-3,55 %) ,$APH (-9,28 %) ,$CSPX (-4,45 %) , $MC (-4,43 %)
$MELI (-1,08 %) but I would still wait for the US. Stock market or wait for the reaction of other countries

What do you want to get in any case?

2025 - A year to forget if you look at the first quarter. While things were still looking positive until around mid-February, things have been going steadily downhill since the middle or end of February.

March 2025 was the worst single month in my portfolio since 2013, with price losses of almost 10%. The negative market trend in the US and a weak US dollar naturally hurt my portfolio particularly badly.

Monthly view:

In total, March was -9,9%. This corresponds to price losses of almost 30.000€.

The MSCI World (benchmark) was -7.9% and the S&P500 -5.8% (in dollars, for euro investors it was also more like -10%).

Winners & losers:

A look at the winners and losers shows a clear picture in March:

Winners? You will look for them almost in vain this month.

In 1st and 2nd place are Deutsche Bank
$DBK (-6,39 %) and Allianz $ALV (-0,37 %) two German financial stocks with gains of around € +180 each. Northrop Grumman $NOC (-1,11 %) at +120€ is only one of 2 American stocks with a positive price performance in March.

A completely different picture on the losers' side:

1st place goes to NVIDIA $NVDA (-6,05 %) with price losses of over €4,200. It is followed by Meta $META (-7,03 %) and Palo Alto Networks
$PANW (-2,8 %) with price losses of ~€2,000 each. 4th place goes to Alphabet
$GOOG (-3,48 %) with €1,600 in share price losses. The flop 5 is then completed by a non-tech stock, namely Starbucks
$SBUX (-10,63 %) with losses of ~€1,400.

The performance-neutral movements were €500 in March - these are still lower at the moment due to the house construction issue.

current year:

In the YTD my portfolio is now also clearly in the red with -8,4%. The MSCI World is still doing better at -5.4%.

In total, my portfolio currently stands at ~260.000€. This corresponds to an absolute decline of ~€25,000 in the current year 2025. -28.000€ of this comes from exchange rate losses, slightly offset by ~900€ from dividends / interest and ~2.000€ from additional investments.

Dividend:

• Dividends in March were +8% above the previous year at ~390€
• At the top of the list Amgen
  $AMGN (-0,11 %) with meanwhile over 55€ (gross) dividend every 3 months
• In the current year, the dividends after 3 months are +15% over the first 3 months of 2025 at ~730€
• The US dollar will also have an impact on dividends this year. Example: 2,500$ at an exchange rate of 1:1 equals 2,500€. At an exchange rate of 1.08$, these 2,500$ would only be worth 2,315€, a decrease of ~185€

Buying & selling:

• I bought in March for 750€
• 460€ shares
• 190€ ETFs
• 100€ crypto
• Sales Was there no

Change of strategy?

At the moment, Donald Trump and his policies are causing a lot of scrutiny, especially with regard to the (high) US share in the portfolio.

I can understand these thoughts very well. However, I have decided not to change my strategy and to maintain my high US & tech allocation in my portfolio.

There are certainly better short-term investment opportunities (European defense stocks as an example). Through my savings plans, however, I have deliberately opted for a long-term buying strategy that I will not throw overboard every few months. In the long term, for example, 2022 was an extremely good year to buy tech stocks.

As I don't have a portfolio target for this year anyway, I'm happy to go even lower - hopefully I'll be happy about the entry prices in 2-3 years' time.

YouTube:

Unfortunately, I only uploaded 2 videos to YouTube in March. Unfortunately, work in March was extremely stressful and time-consuming, so there was little time left for this.

I have also uploaded my March portfolio update as a video there if anyone would like to see some more information on the portfolio performance: https://youtu.be/fxbvatj6uvM?si=xP_gvoEmtuqSsfz8

I'm particularly happy to receive criticism or feedback here! 😊

Goal 2025

As already mentioned in the January & February review, a fixed deposit target for this year makes little sense due to the house construction. A fixed savings rate is also difficult to implement due to the issue (unforeseen costs and the like).

A dividend target is also very difficult due to the high volatility of the US dollar.

That's why I'm focusing on other topics this year, especially building a house and possibly one or two YouTube successes.

How are things looking for you? Are you sticking to your portfolio target for 2025 or do you also see difficulties in achieving it after the first quarter?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Inspired by @MozartTrading you can now read my assessment of the 7 most important stocks in the US economy.

$AAPL (-6,25 %)

Let's start with what is probably the most boring of the 7 stocks. Apple hasn't done much wrong for years, but it hasn't done much right either. Overall, the operating business is moving sideways and the valuation is not cheap. Overall, however, you don't get a quality company too cheap here. There are certainly worse stocks, but there are also plenty of better ones.

HOLD.

$META (-7,03 %)

META is also relatively boring, but at least significantly cheaper. Overall, I see more sense in buying here, but META is also relatively lacking in innovation and not very well diversified. META still refuses to break down how much revenue is made with which app, but as I see it, they probably make the absolute majority of their total revenue through Instagram and advertising. META has certainly been trying to broaden its base for decades, but even several years after my last analysis, they have not been really successful. At least they have a good M&A team because they have had more success on average with the companies they have acquired than with those that come entirely from their own company. HOLD

$TSLA (-3,59 %)

Can actually be summarized in a few words, because this is by far the most volatile share of the big 7. A share that has a lot of potential, if you want to believe the CEO's promises. But only then. Fundamentally, Tesla is not really understandable at all, you either have to have confidence in Elon or leave it alone. HOLD (or SELL)

$GOOGL (-3,55 %) / $GOOG (-3,48 %)

Is probably the slightly more exciting alternative to META, cheaper and simply more broadly positioned. Alphabet also makes a lot of money through advertising, but they also have several other irons in the fire. They have Cloud. They have Android. They have YouTube. They're also trying to do something in the direction of quantum computing and Waymo. Somehow Alphabet is at least involved somewhere in all the important topics. That's pretty good. In comparison, however, it's noticeable that Alphabet has also been responsible for a lot of pipe failures over the last few years. Of course, Alphabet is by far the best value compared to the other stocks. But there is usually a reason why shares are cheap. And again, no one wants to give you Alphabet, but Alphabet also has to fear by far the most pressure from regulatory authorities, even ahead of Apple and Tesla. Overall, however, it has to be said that Alphabet is better diversified than META and cheaper than Apple, which is why this is the first BUY rating.

$NVDA (-6,05 %)

The shooting star par excellence. Nvidia is strongly positioned in the most important trend of our time and has very high market power due to its unique technology, which the competition is currently unable to keep up with. The only reason for this is that the business model is not particularly well diversified. At the moment, everything depends on the data centers and here I will let you in on an industry secret: they will not continue to grow at 30-40% p.a. forever. However, this knowledge is already reflected in the share price and has already been priced in to some extent. Compared to Alphabet, Nvidia is less diversified, but has fewer regulatory worries and better management. Therefore, there is also a very clear BUY.

$MSFT (-2,62 %)

Time for the first S-tier company in the mag7. Microsoft actually has the perfect business model and is represented in countless future trends. You have the cloud, you have gaming, you also have something like social media with LinkedIn, you sell your own hardware, you also have a search engine and earn money through advertising, but of course mainly through the subscription model. Microsoft is not the market leader in every area, but it is fundamentally successful in every area. And that's what makes Microsoft so special. There are markets in which Microsoft is absolutely dominant and those in which it is only number #2 or #3 it is at least enough to avoid being completely flattened and having to retreat. For example, they are not the biggest cloud, but at least they are the most profitable. By and large, this is what sets Microsoft apart from Google. Microsoft only really knows the word failure from the times of Steve Ballmer, who maneuvered the company onto very sharp cliffs a few times. The biggest fails in Microsoft's history, such as Windows Mobile, also date back to these times. I would love to try out an MS Surface to see how well Windows performs on mobile devices today, but in the past it was a real disaster.

But before I digress too much, I'll tell you that MSFT is definitely a STRONG BUY from me.

$AMZN (-6,32 %)

Drum roll here comes my favorite stock. Amazon started as a bookstore, is known to most as an online store but is actually so much more. As if it wasn't impressive enough that Amazon gets so much out of such an unattractive business model as e-commerce, they are also active in many other areas and are amazingly successful overall. When it comes to shopping, they often manage to be one of the cheapest providers and still earn a lot of money. They are also a postal service provider. And an airline. And a streaming service. And not forgetting the world's largest cloud provider. What makes Amazon so special is that they often build up business areas for their own needs and then sell them to other customers at the same time. This horizontal integration and the resulting synergy effects are amazing and offer further compounding potential, especially in the future. Together with Rivian, they build their own vehicles for their own delivery service and are then themselves their biggest customer. I don't think there's even enough space to tell you about all the business areas in which they are now active. For example, they are now also active in the advertising business. Amazon is a company that really excites me because they keep finding niches where the other big tech companies aren't really active and because they consistently push ahead with developing products that not only their customers but also they themselves can use. At the moment, earnings are still a size smaller than Apple, Microsoft and Alphabet, but they still have the potential to make the leap to the very top. Therefore, in addition to MSFT, a STRONG BUY.

Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (-2,23 %)
$NVDA (-6,05 %)
$AAPL (-6,25 %)
$MSFT (-2,62 %) and $META (-7,03 %) with 50€ each.

The ETFs $UST (-4,08 %)
$LYPS (-3,91 %)
$LYY7 (-1,56 %)
$IWRD (-3,84 %) and $LOCK (-6,6 %) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

$META (-7,03 %)
$TSLA (-3,59 %)
$AAPL (-6,25 %)

Hello my dears,

What do you think about this? Could the smartphone really be a discontinued model in the not too distant future? And could you imagine carrying one of the other products around with you? Feel free to write your opinions and thoughts in the comments!

For Elon Musk and Mark Zuckerberg, the days of cell phones will soon be over. They are speculating on other technology that will shape our lives in the future.

Cell phones are yesterday's technology - or at least a discontinued model. Mark Zuckerberg and Elon Musk are in relative agreement on this.

Tim Cook, on the other hand, still sees a lot of future potential in smartphones.

But regardless of whether tech billionaires say one way or the other, in the end it's always mainly about the money.

Mark Zuckerberg: Augmented reality glasses as the next big computer platform

Mark Zuckerberg is suddenly wearing glasses - at least in the fall of 2024, when he took to the stage at Meta's Connect in-house conference wearing chunky nerd glasses.

The glasses model was the Orion prototype.

In his opinion, the augmented reality glasses are an important step towards a hands-free smartphone alternative. It is therefore a completely different concept to the Asus AirVision M1, for example, which is intended more as a monitor replacement:

According to Meta and a report by WDR, users should be able to do the following things with Orion in the future, for example:

see holographic 3D images in the field of vision

be able to operate apps like on a smartphone

Make phone and video calls

Receive recipe suggestions by looking in the fridge

Receive navigation and directions

Orion can be operated with voice commands, eye movements and taps on the handlebar. With an additional EMG wristband, you can also swipe, click and scroll using gestures in the air.

The glasses are due to be launched on the market in 2027.

In his 2020 New Year's post on Facebook, Zuckerberg was already very confident about the potential of AR glasses:

"While I expect smartphones to remain our primary devices for much of this decade, sometime in the 2020s we'll see a breakthrough with augmented reality glasses that will redefine our relationship with technology."

The future Zuckerberg describes here, however, is above all one according to his own ideas: Meta has invested over 80 billion US dollars in the development of AR and VR technology since 2014, according to the Financial Times.

Elon Musk: Neuralinks instead of smartphones

For Elon Musk, cell phones and smartwatches have also been a technology of the past since 2020:

For the billionaire, the technology of the future is neuralinks. Neuralink is a company that Musk founded in 2016.

The company develops an interface between the brain and computer. It achieved its first success in early 2024: A 29-year-old paraplegic had a Neuralink implant successfully implanted in his brain.

But Neuralink is not just for sick people: This year, according to Wired, the company has filed trademark applications for several terms, including Telepathy. Telepathy is initially intended to enable people with paralysis to control computers and smartphones with their thoughts.

The next conceivable step is communication between people using telepathy, which would then be possible without a smartphone. Similar to Zuckerberg, Musk is also pursuing his own interests by announcing the end of the smartphone.

Tim Cook still sees a lot of innovation potential in the smartphone

Apple CEO Tim Cook remains unsurprisingly optimistic about the future of the iPhone.

According to MacRumors, in a conference call on the first quarter of 2025, he still sees many opportunities in the further development of smartphones:

"I think there's a lot of innovation left in the smartphone".

At the same time, Cook was quick to emphasize the great importance of artificial intelligence for the future. Unlike Mark Zuckerberg, for example, this does not make the smartphone unnecessary for him, but a key technology.

At least that's how he put it in a long interview with the Washington Post in 2016:

"Look at the core technologies that make up a smartphone today and those that will dominate in the smartphones of the future - like AI. AI will make this product even more indispensable to you. It will become an even better assistant than it is today."

Even if Cook's statements feel much more realistic in our everyday lives than those of Zuckerberg and Musk, there is a similar interest behind them to that of his tech billionaire colleagues: He, too, wants to still be selling his products to millions of people in 2030.

https://www.gamestar.de/artikel/musk-zuckerberg-cook-smartphone-zukunft,3429964.html

Imagine finding a bag with 15,000 euros in cash on a train. This is exactly what happened to a 33-year-old woman on ICE 1081 from Hanover to Munich. She discovered the bag full of 200 euro bills and handed it over to the Federal Police in Munich. The rightful owner has not yet been identified. If no one comes forward, the finder could receive a legal finder's reward of three percent, i.e. 450 euros.

What would the getquin community have done in this situation?

1. invested sensibly in an ETF, such as $IWDA (-3,86 %)

2. $4GLD (-2,27 %) safe is safe

3. all in $BTC (+0,21 %)

4. benefit from the current dip American tech companies, such as $GOOGL (-3,55 %) , $NVDA (-6,05 %) or $META (-7,03 %)

5. collect dividends just before the dividend season, such as $BATS (+3,96 %) , $ALV (-0,37 %) or $SREN (-0,17 %)

6. invest irrationally, e.g. $4X0 (-5,79 %) or $GME (-2,97 %)

7. or would you take the money to the police and fill your war chest with the finder's fee of EUR 450?

Personally, I would probably choose option 1. If the owner suddenly turned up on my doorstep, I could sell the ETF and give him the money back. There might be a little more left for me as a return than the EUR 450 I would receive from the police 😉

Source: Articles can be found on the most popular news portals today.