TL;DR like to roast my deposit, appreciate all opinions!

I always find the many posts here and reading various biographies very interesting, so I've wanted to say a few words for a while now.

Tried early, but started late

I am now 32 and unfortunately started investing seriously far too late, studied far too long, and with the larger salaries finally built up as much as possible and tried to catch up as quickly as possible. "Unfortunately" means for the most part the past calendar year, which is why I put a large part of my money into shares at already high prices and then had very little cash left in the crash to add to it. Fully invested, in other words. During the crash, I mainly reallocated and continued to fully invest what was left over from my monthly salaries.

Yet back in 2011, at the age of 18, I had a share called Facebook and a Starbucks share in my portfolio without much of a clue. I just wanted to know what my mother was actually doing with her shares and how it worked, and with FB and Starbucks I simply chose two companies that "everyone" uses/needs anyway. The idea wasn't that stupid, it worked, and after a short time I was happy about the small profit in absolute terms, sold the shares at DiBa despite the high fees at the time and simply forgot about shares for years - wealth accumulation, a word that wasn't in my vocabulary, the money I had was simply turned upside down as a young adult. Well, young me, just leave the shares lying around or, even better, take a closer look at them and carry on, it "might" have been worth it...

Of priorities and wrong horses

The years went by without any shares, but with lots of fast food and partying, but at least things have changed. At some point, I started to think about the future and wealth accumulation, first taking an interest in interest rates, and then the logical next step was dividends and shares. Unfortunately, it started rather haphazardly. As a student, I started investing small amounts, and of course betting on the wrong horses. Speculative lithium shares were particularly bad in this phase, unfortunately these were large sums even by my standards, from my grandfather's estate. That was bad. However, crypto was a very good horse, more precisely $BTC (-0,01 %) and $ETH (-0,04 %) which (as a computer scientist) I became interested in early on and exited several times with high profits, also thanks to domestic mining. It's just stupid that back then, in the last decade, I would never have imagined how cryptos would develop. If I had, I would have simply left it all, or at least part of it. You learn and you're always smarter afterwards anyway.

Fully invested - excessive, unhealthy, or simply good housekeeping?

So now I'm 32 - and proud of a portfolio that I think I've built up to a good size in a relatively short time. Which has given me other ideas for some time now. I'm still a long way from reaching my goal, but I have to get back on the "invest 100%" path, which has been completely contrary to my past for a long time now, and strangely enough, I'm finding it difficult to do so - something to reflect on. There are too many (supposed?) opportunities every day. So I simply could not $UNH (-1,67 %) after a long period of observation yesterday and of course the savings plans had to run today too. I think I've always been good at budgeting, or let's put it this way, at least good at getting by with the money available to me in a perfectly timed way, but "indulging", not just in company shares, may become a little more prominent again. I don't go without noticeably in everyday life, I need very little, which I don't think is a bad quality to begin with. But I have changed a lot in the area of "consumption" compared to the past. I think it would be good to find a healthy balance. In my opinion, just as you don't just live to work, but work to live, the same applies to saving/investing. I actually read a post here on gq today that described exactly that and I could relate to it very well. So, reflection and taking your foot off the gas is allowed - no, it's a must! I am familiar with frugalists, but I never wanted to be one. I'd be interested to know if anyone else here feels the same way, or did?

Wrong decisions, mistakes... and (hopefully) the right conclusions

Back to the topic! (Not only) on the way to today's portfolio I have made many wrong decisions, as already mentioned, so I thought that a well-kept portfolio roast could do me some good. Other, new opinions and assessments can't be bad!

In particular, in the past I have often missed the opportunity to simply let profits run their course and instead dragged losses around with me for too long (which brings us back to lithium). A thought that I recently had again when I was thinking about when it would make sense to $HIMS (+6,8 %) possibly realize, as an example. $PLTR (-1,77 %) and $NVDA (-1,17 %) are two examples that, like so many others, I naturally had on my radar, but they always seemed too expensive, the setback never came and I really missed the big rallies as a result. At the same time, I also get caught out by FOMO from time to time. So in both good and bad phases, I try not to just see red or green, fear or hope, but simply to evaluate what actually makes sense "from now on". Sometimes you realize a loss in order to try your luck elsewhere, sometimes you should let profits run, sometimes take them, sometimes endure the dip, sometimes be courageous and sometimes defensive. Easier said than done. I find it very nice and helpful to exchange ideas on this platform and how open and "yet" respectful it generally is. Of course, I will most likely never reach some portfolio sizes, but you can always learn something about how some people manage their portfolios, regardless of the absolute figures. You will always make mistakes, but at least you should deal with them correctly and draw the best possible conclusions.

Portfolio restructuring, planned investments / savings plans

And today? After some evaluation, research, regrouping and restructuring, I now have fewer, but still quite a few positions in different sectors, most of which are already of a decent and roughly balanced size. My medium-term plan is now to build up all positions to a certain target size. This is why I am currently running savings plans:

$MPWR (-0,76 %)

$AVGO (+0,44 %)

$ISRG (-0,3 %)

$DXCM (-0,24 %)

$DHR (+2,69 %)

$ALV (+2 %)

$9988 (+0,34 %)

$BRK.B (+0,39 %)

$APH (+0,51 %)

$MELI (+0,3 %)

$BLK (+0,82 %)

$RSG (+1 %)

$DGE (-0,89 %)

$VKTX (-0,09 %)

ETF/ETC:

$UBU7 (+0,16 %)

$EWG2 (-0,05 %)

Partly with small weekly amounts, until enough cash is available to fill the target position evenly. With $AVGO (+0,44 %) for example, there is not much left. Also $BRK.B (+0,39 %) / $APH (+0,51 %) and others are already approaching the target. In some cases with somewhat larger sums for still small but prioritized positions, until opportunities and/or resources for individual purchases arise, such as the $ALV (+2 %) and $RSG (+1 %) should be mentioned here, as well as $DGE (-0,89 %) as a turnaround candidate.

Once the aforementioned positions are full, I would like to turn my attention to the more defensive candidates that are already in the portfolio but which I am currently prioritizing - $MCD (-0,76 %) / $KO (-0,86 %) / $CCEP (+0,44 %) / $ULVR (-1,08 %) and others - and finally increase the ETF and gold share in the long term.

$VKTX (-0,09 %) is a bit of a gamble, as I have actually said goodbye to pharma - $ABBV (+0,81 %) / $NOVO B (-1,98 %) / $LLY (-1,85 %) and $MRK (-0,29 %) were still part of the inventory until recently. Instead, I decided to go with $DXCM (-0,24 %) / $ISRG (-0,3 %) / $DHR (+2,69 %) on medical technology.

$BTC (-0,01 %) remains a fixed value in the portfolio, while I $ETH (-0,04 %) (incorrectly entered due to staking - around 0.4 shares or €1000) and $XRP (-0,28 %) would/will sell at corresponding prices.

I still lack around €15,000 in individual stocks at current prices to bring all positions to the current desired/dream target. This will take some time, but is foreseeable. And then I would be really quite proud and happy "as things stand now"! In any case, I now feel very comfortable on the path I have chosen and, as I said, I have to stop myself from forgetting that not all money has to be invested all the time.

Savings rate

To put this into figures, I have averaged a savings rate of around €1500 over the last 24 months, with an average of €100 a month in dividends. 1400€ investment, that's about 82% of my monthly budget after deducting all "unavoidable" fixed costs including fuel and household, but not including consumption such as clothes, going out or vacations. Exaggerated, I can't say otherwise myself. But at least I have a good reason to step on the gas and get the compound interest going.

So what is all this for?

In the long term, my girlfriend and I dream of owning a property somewhere on the Croatian Adriatic, her homeland, and where I was able to spend many wonderful weeks with my parents every year as a child. A beautiful region that I consider an important part of my life, with many great moments and memories that may become even more. I hope to get closer to this goal "quickly" with the depot. The language is already halfway there! :)

In the long term, this would probably involve a little reallocation into value dividend payers, which should help with repayment. However, I would also like to lay the foundations for later distributions today, without neglecting growth. There is probably no perfect mix for this, but you are welcome to rate mine.

So, unfortunately I was once again unable to be brief. Thank you for reading, whoever has made it this far, and for your comments! I'm very excited and wish you all a great weekend.

First of all, thank you for taking the time to read this post🙄 it's getting a bit long😅

As you know, the market has only gone in one direction in recent weeks and months📉, but now the wind seems to have changed 📈

since my portfolio presentation last year, I have now used the correction to some changes in the portfolio, which I would like to share with you 🙃 "Unfortunately" there was no reduction in the portfolio for the time being because there were too many attractive opportunities🥹

At the beginning of April in particular, I massively reduced my cash reserves and expanded or even doubled my positions. I also made a a few new additions in my portfolio begrüßen✌️(I actually had a few stocks inspired by the dear @Aktienhauptmeister 👀) Greetings go out 😆

In my portfolio introduction post, I mentioned that I would like to $DHR (+2,69 %) against $SYK (+1,29 %) would exchange. Now it has actually been implemented ✅ necessity is the mother of invention, which is why I have also parted with $OR (+0,08 %) I also parted with

I didn't want to share all my purchases now, that would be too much, so I'll list what I bought here 🙂

I tried as best I could to increase "every" position in the portfolio a bit🧐

First of all, I'll mention the positions that were further expanded

$VWCE (+0,08 %) + ~10k

$GRAB (-3,9 %) + ~1k to (3.38)

$BLK (+0,82 %) + ~ 1.3k (678)

$ASML (+0,24 %) + ~2.7k (555,45)

$GOOGL (-3,03 %) + ~ 1.5k (124,66)

$MPWR (-0,76 %) + ~ 1.6k (409,21)

$SOFI (-0,68 %) + ~ 0.7k (7,78)

$LIN (+0,25 %) + ~ 1.1k (388,20)

$QCOM (-1,46 %) + ~ 1.5k (113,62)

$CRWD (-2,09 %) + ~ 0.9k (289,75)

$MSCI (+0,78 %) + ~1.3k (451)

$V (-0,16 %) + ~ 1.4K (274)

$AMZN (-0,52 %) + ~ 1.4K (159,74/159,34)

$MSFT (-0,07 %) + ~ 1.7k (335/337,75)

$MC (-1,1 %) + ~ 1.9k (482,31)

$NOVO B (-1,98 %) + ~ 2.5k (51,68)

$ABBV (+0,81 %) +~ 1.5k (152)

$NVDA (-1,17 %) +~ 2k (85,04)

$UNH (-1,67 %) +~ 1.7k (336,30)

$PEP (-0,1 %) +~ 1.1k (114,97)

$MRK (-0,29 %) +~ 1k (67,70)

------------------

now to the new arrivals 🤩 the ones now mentioned below I opened the positions for the first time 😇

$SYK (+1,29 %) ~ 2.1k (305,72)

$META (-1,93 %) ~ 1.4k (467,30)

$AVGO (+0,44 %) ~ 1.1k (156,76)

$ISRG (-0,3 %) ~ 1.6k (398,30)

$SPGI (+1,23 %) ~ 1.2k (403,22)

$ANET (-4,37 %) ~ 1.8k (70,50/58,65)

$UNP (+1,16 %) ~ 0.9k (187,56)

$CAT (+1,13 %) ~ 1.5k (246,50)

(I hope I have not forgotten anything)

I have invested a total of about 45k and am absolutely satisfied with my investment case. Now I have no more buffer to add 🥲 in the next few months I will build up cash again 😬

Now I'm curious to see what you've bought, my dear investors?

Like for example @Aktienhauptmeister
@Max095
@Tenbagger2024
@Simpson 🫣

thanks again for reading 🥸

in that sense

have a nice weekend ✌️

Hello Community,

I thought it was time to post my portfolio again and what adjustments and plans are still taking place for the year 2025.

My portfolio currently consists of the classic $IWDA (+0,26 %) , $EIMI (-0,05 %) and the $CSNDX (+0,31 %) .

Further additions are $WGLD (-0,36 %) and $BTC (-0,01 %) only.

My remaining satellites are targeted additions in order to expand the focus to Europe and Japan on the one hand and to provide a yield boost in the portfolio on the other.

I currently continue to invest in all ETFs, gold and Bitcoin on a monthly basis.

Upcoming changes:

I will shift a portion from the call money account into the $XEON (-0 %) into the

It may be planned to make another additional purchase at $NOVO B (-1,98 %) is planned.

expected new additions this year:

$PANW (-0,16 %)

$ISRG (-0,3 %)

$RKLB (+3,28 %)

These are also joining the ranks as targeted satellites and, for me, represent three further interesting, fast-growing and sustainable sectors.

Have a nice weekend :)

LG

Paul

Good evening everyone,

Here are my favorites for the health sector.

Novo Nordisk $NOVO B (-1,98 %)

Stryker $SYK (+1,29 %)

Intuitive Surgical (P/E ratio 70, P/B ratio 19 🤑) $ISRG (-0,3 %)

Astra Zeneca $AZN (-2,36 %)

Zoetis $ZTS (+1,79 %)

Idexx Lab. $IDXX (+1,65 %)

Amgen (profit margin declining) $AMGN (-0,08 %)

I would be interested to know what your favorites are for a long-term investment?

Last week was observation, today I started to pick up a bit of what was on my watchlist 😊

starting with a share for the medical/healthcare sector $ISRG (-0,3 %)

It is now slowly becoming clear who has what it takes to make good profits in the coming years.

Here are my top 30 companies by category, which I am particularly looking at in the current crash.

Some are still overvalued, others are already very attractive at the current price level.

Tier 1 (high corporate quality and strong growth)

Airbnb $ABNB (-1,12 %)

Alphabet $GOOGL (-3,03 %)

Amazon $AMZN (-0,52 %)

ASML $ASML (+0,24 %)

Axon $AXON (+2,23 %)

Cadence $CDNS (-1,38 %)

Constellation Software $CSU (-1,45 %)

Crowdstrike $CRWD (-2,09 %)

Fair Isaac $FICO (+3,11 %)

Hermes $RMS (+0,85 %)

Intuit $INTU (+1,73 %)

Intuitive Surgical $ISRG (-0,3 %)

Mastercard $MA (-1,24 %)

Meta $META (-1,93 %)

Netflix $NFLX (+0,7 %)

Microsoft $MSFT (-0,07 %)

Palantir $PLTR (-1,77 %)

Tesla $TSLA (+0,99 %)

Tier-2 (high business quality and moderate growth)

Booking $BKNG (+0,09 %)

Costco $COST (+0,27 %)

Ferrari $RACE (+1,14 %)

Moody's $MCO (+0,6 %)

MSCI $MSCI (+0,78 %)

Transdigm $TDG (+2,6 %)

Tier-3 (medium / solid corporate quality and strong growth)

Hims & Hers $HIMS (+6,8 %)

Robinhood $HOOD (+2,65 %)

Roblox $RBLX

Shopify $SHOP (+0,85 %)

Spotify $SPOT (-0,57 %)

The Trade Desk $TTD (-0,29 %)

I bought on Friday and am buying again today - even in the course of the next few days and weeks, when we could probably see even lower prices.

Where are you buying?

$DHR (+2,69 %) is now back at the level of 4 years ago and has been moving more or less sideways at this level for around 6 weeks. The development of the last few quarters was not good, but the forecast is positive again. EPS is expected to rise in the higher double-digit percentage range in Q1 and even more strongly in the further course of the year. Out of 18 analysts (yes, I know) there are 13x Buy/Strong Buy and 5x Hold.

Would the share now be a buy for you, or would you rather go for other candidates (which ones?). Of course, in the medical (technology) sector $ISRG (-0,3 %) which have also recently corrected considerably, but are still valued much higher with a notoriously different chart trend. I'm planning to add further here anyway.

https://stockanalysis.com/stocks/dhr/forecast/

"A bit of stagnation - and above all more inflation" is the title of the Bank of America economists' new forecast.

In such a scenario, companies with pricing power are in demand, i.e. those that can pass on rising costs to customers. These are companies that are already making good profits today and not in the too distant future. Their profits will not be greatly affected by higher interest rates. The companies must not be too cyclical; after all, they must also be able to withstand an economic slowdown.

The investment bank Goldman Sachs has compiled a list of 102 stocks that can still hold their own in a stagflation.

Analysts see the greatest price potential in commodity companies such as $MTDR (+1,36 %)
Matador Resources, $CVE (-1,01 %)
Cenovus Energy, $AA (-1,3 %)
Alcoa and $DVN (-0,27 %)
Devon Energy. The average price target for these stocks is around 40 percent above the current value. They are followed by tech companies such as $AMZN (-0,52 %)
Amazon, $GOOGL (-3,03 %)
Alphabet, $MSFT (-0,07 %)
Microsoft, $META (-1,93 %)
Meta and $ISRG (-0,3 %)
Intuitive Surgical. The professionals put the potential here at at least 30 percent. This is followed by other commodities and media groups such as $SLB (-1,19 %)
Schlumberger, $COP (-0,19 %)
Conocophillips, $RIO (-0,49 %)
Rio Tinto and $OXY (-0,92 %)
Occidental Petroleum with a potential of between 25 and 30 percent.

Also $WMT (+1,45 %)
Walmart is also on the list; analysts see a price potential of 27 percent for the retailer. For the conglomerate $DHR (+2,69 %)
Danaher experts expect 25 percent and the railroad company $CNR (-0,32 %)
Canadian National Railway is also at the top of the list.

Source (excerpt): WELT / Graphic: ChatGPT