September was the month in which my account shone like the last rays of summer sunshine! Why? The half-year bonus catapulted this month into the month with the highest income of all time. Of course, the money doesn't go into savings, but is put into the market the following month, because share price growth and dividends beat any consumption. There was also an unexpected refund from the dental supplement, which has already been reinvested. Who says that prophylaxis doesn't bring returns after all?

And what else? Business as usual: preparations for ice swimming started at the end of the month thanks to colder temperatures, daily sport and exercise, a nice community meeting of frugalists and investors. Yes, we talked about dividends rather than the latest fashion. Everything was rounded off with a donation. My portfolios went sideways, but did what they are supposed to do: Generate cash flow. And from this month onwards, there will be additional risk figures presented. A little growth and distribution. Time for a review!

Overall performance

This month was a typical month of consolidation for me. My investments moved sideways with only a very slight increase. Is this a good sign for a year-end rally? There was also an initial cut in the Fed's key interest rate. However, there were no major movements, and Q4 is more likely to be responsible for this. As always, income rained down on the account. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1,76 % (previous month: +1.01 %)
• TTWROR (since inception): +76,55 %
• IZF (month under review): +9,64 % (previous month: +12.50 %)
• IZF (since inception): +11,15 %
• Delta: +€615.12
• Absolute change: +€2,635.52

Performance & volume

The rise in the price of $AVGO (-0,59 %) allows my largest single share position to grow further and strengthens its dominance. And the class leader has not spilled the beans in terms of performance since purchase either: +337%! After the $BAC (-0,95 %) climbed into the top 5 by volume in the previous month, it remains in this group. The banks are currently doing well. Also$WMT (+0,76 %) The retail giant is a reliable dividend payer and an important pillar among my individual stocks. The competitor$TGT (-0,15 %) on the other hand, is the red lantern in my portfolio. Despite thefts and sales problems, I see a healthy business model. I am sure that this share will bounce back and continue to invest on a monthly basis.

Size of individual share positions by volume in the overall portfolio:

Share (%) of total portfolio and associated portfolio:

$AVGO (-0,59 %) 3.30 % (main share portfolio)

$NFLX (-5,23 %) 1.87 % (main share portfolio)

$WMT (+0,76 %) 1.74 % (main share portfolio)

$FAST (-0,05 %) 1.72 % (main share portfolio)

$BAC (-0,95 %) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$SHEL (+1,76 %) : 0.41 % (crypto follow-up portfolio)

$NOVO B (-2,71 %) 0.50 % (main share portfolio)

$TGT (-0,15 %) 0.55 % (crypto follow-on deposit)

$HSBA (+0,17 %) 0.58 % (main share portfolio)

$GIS (+1,29 %) 0.60 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$AVGO (-0,59 %) a: +337 % (main share portfolio)

$NFLX (-5,23 %) : +153 % (main share portfolio)

$WMT (+0,76 %) : +78 % (main share portfolio)

$FAST (-0,05 %) +76 % (main share portfolio)

$SAP (-3,65 %) +75 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$TGT (-0,15 %) : -38 % (main share portfolio)

$GIS (+1,29 %) -31 % (main share portfolio)

$NKE (+0,76 %) -27 % (main share portfolio)

$CPB (+0,86 %) -24 % (main share portfolio)

$UPS (-1,45 %) -24 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

ETFs: 39.1%

Equities: 58.6%

Crypto: 2.2 %

P2P: less than 0.01 %

Investments and subsequent purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: € 1,030

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,140

Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, the following additional investments were made from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 73.00

Subsequent purchases/non-recurring savings plans as cashback annuities from bonuses/incentives from the KK: € 0.00

Subsequent purchases from other surpluses: € 31.00

Automatically reinvested dividends by the broker: € 5.03 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Additional purchases were made:

Number of additional purchases: 2

73.00 € for $TDIV (+0,18 %)

25.00 € for $ZPRG (+0,27 %)

Passive income from dividends

My income from dividends amounted to € 139.14 (€ 128.42 in the same month of the previous year). This corresponds to a change of -1.36% compared to the same month last year. The slight decrease is due to the fact that my large Vanguard ETFs postponed the distribution to the following month. The following are further key data on the distributions:

Number of dividend payments: 34

Number of payment days: 17 days

Average dividend per payment: € 4.09

average dividend per payment day: € 8.18

The top three payers are:

$ARCC (+0,06 %)

$UPS (-1,45 %)

$DXSA (+0,28 %)

My passive income from dividends (and some interest) mathematically covered 16.05% of my expenses in the month under review.

Crypto performance

My crypto portfolio ran sideways in September with highs and lows. The hope here lies more in the coming Q4. My key figures:

Performance in the reporting period: +8.66 %

Performance since inception: +135.10

Share of holdings for which the tax holding period has expired: 98.57 %.

Crypto share of the total portfolio: 2.20 %

I am vigilant with regard to crypto. The exit should continue. I don't want to provide the exit liquidity for the other market participants. There will be news in the following month.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

TTWROR (current month): +1,76 %

$VWRL (-0,42 %) : +2,63 %

$VUSA (-0,56 %) : +2,56 %

One possible explanation for the poorer performance compared to the index values could be a higher proportion of individual shares,

New: Risk indicators

Here are my key risk figures for the month under review (and in brackets YTD)

Maximum drawdown: 0.94% (17.17%)

Maximum drawdown duration: 19+ days (231+ days)

Volatility: 1.68% (11.51%)

Sharpe Ratio: 5.73 (0.29)

Semi-volatility: 1.21% (9.04%)

An extremely low drawdown of only 0.94% shows that your portfolio had hardly any fluctuations during the month. This is typical for a sideways phase or stable markets.

The YTD drawdown of 17.17% is no coincidence: Trump's tariffs have mainly affected consumer-related stocks such as $TGT (-0,15 %) have been hit. However, my focus on stable dividend payers and broad-based ETFs has limited the losses. The fact is, however, that Trump has put a dent in my figures.

Outlook

As you can see from the introduction, there were no highlights, but there were also no disasters for me to report on. So we're done for this month. Thanks for reading!

However, I still have some questions for you to improve my review:

Are you also interested in the performance and top/flop5 of my ETFs or cryptos? Then let me know in the comments and I'll include it in the coming months.

In my posts on Instagram and also here, I keep talking about my cashback pension. Would you like to know more about the concept, what's behind it for me and how it will supplement my "share and ETF pension"?

My review here on getquin includes additional key figures as well as those from my Instagram reviews. Would you also like to see more from the budget review of my private finances included here as a little extra?

👉 Would you like to view my review as an Instagram Carousel post?

Then follow me on Instagram:

📲 There's also 3 posts a week in addition to the portfolio and budget review: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have also been "copied" several times now.

👉 How was your month in the portfolio? Do you have any tops and flops to report?

Leave your thoughts in the comments!

$NKE (+0,76 %)

Nike and Kim Kardashian's Skims activewear collection launches Friday with three core collections that will be updated seasonally.

The companies had planned to launch the partnership, called NikeSKIMS, in the spring, but postponed it due to internal production delays.

The sneaker giant's collaboration with the hip shapewear company is part of its strategy to attract more female shoppers.

Do you think this could give Nike shares a boost?

I would like to start a completely new portfolio that will primarily revolve around dividends.

As a core I was thinking of $TDIV (+0,18 %)

Would you say this is a good core?

If not I would add $VHYL (+0,01 %) add.

Additionally I would like to have a CC ETF as a kind of support, probably $JEGP (+0,27 %) and or $SXYD (+0,23 %)

I would like to represent the NASDAQ with $EQQQ (-0,93 %) but I will represent it with $ASML (-1,3 %) and $2330 will be added.

Allianz $ALV (-0,59 %) and Munich Re $MUV2 (-0,16 %) I definitely want to include, but they are too expensive for me financially, so I was thinking of the $EXH5 (+0,31 %)

Oil shares are represented by $VAR (+0,26 %) and one more.

Do you have any recommendations?

I am thinking about $CVX (+1,02 %)
$EQNR (+1,18 %) and $PETR4 (-0,02 %)

I would also like renewable energies, but I'm not familiar with them.

Do you have any suggestions?

Becoming a defensive company $ULVR (-0,34 %)
$D05 (+0,86 %)
$O (+0,45 %) and of course $NOVO B (-2,71 %) Being.

$BATS (+1,74 %) I already have in a portfolio, would it be too much of a lump to add $MO (+0,93 %) to add to it?

I still have $KHC (+0,14 %) on the watchlist but the split is not going so well, would it be wise to start with a savings plan?

Apart from that $RIO (+1,35 %)
$NKE (+0,76 %)
$1211 (-1,36 %)
$SOFI (-5,42 %) and $HAUTO (-1,58 %) will be represented with smaller positions.

What is your opinion?

Would you improve anything?

What else would you add, especially in EE and defensive stocks?

Feedback is very important to me here, so far I have just been wandering aimlessly around the stock market without a fixed plan and strategy.

This is my first attempt to build something serious.

Greetings to all Getquins out there!

August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.

Overall performance

After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month of August): +1.01 % (previous month: +3.82 %)
• TTWROR (since inception): +73,69 %
• IZF (month of August): +12.50 % (previous month: +46.14 %)
• IZF (since inception): +10,79 %
• Delta: +794.74 €
• Absolute change: +1,850.61 €

Performance & volume

My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (-3,65 %) falls back. Rising in terms of performance$MAIN (+0,44 %) and there, too, the$SAP (-3,65 %) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (-2,71 %) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (+0,86 %) has risen from the cellar. But this share still has a long way to go.

Size of individual share positions by volume in the overall portfolio:

Share (%) of total portfolio and associated portfolio:

• $AVGO (-0,59 %) : 3.30 % (main share portfolio)
• $NFLX (-5,23 %) 1.98 % (main share portfolio)
• $WMT (+0,76 %) 1.72 % (main share portfolio)
• $FAST (-0,05 %) s: 1.69 % (main share portfolio)
• $BOA 1.45 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share proportion (%) of the total portfolio and associated securities account:

• $SHEL (+1,76 %) : 0.42 % (crypto follow-on portfolio)
• $NOVO B (-2,71 %) 0.49 % (main share portfolio)
• $HSBA (+0,17 %) 0.54 % (crypto follow-on portfolio)
• $TGT (-0,15 %) 0.57 % (main share portfolio)
• $GIS (+1,29 %) 0.61 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $AVGO (-0,59 %) : +328 % (main share portfolio)
• $NFLX (-5,23 %) : +176 % (main share portfolio)
• $FAST (-0,05 %) +83 % (main share portfolio)
• $MAIN (+0,44 %) : +79 % (main share portfolio)
• $SAP (-3,65 %) +74 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $TGT (-0,15 %) : -36 % (main share portfolio)
• $GIS (+1,29 %) -31 % (main share portfolio)
• $UPS (-1,45 %) -26 % (main share portfolio)
• $NKE (+0,76 %) -25 % (main share portfolio)
• $NOVO B (-2,71 %) -21 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

• ETFs: 38.3 %
• Equities: 59.0 %
• Crypto: 2.60%
• P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 79.00
• Subsequent purchases/one-off savings plans as a cashback annuity from bonuses/incentives from the KK: € 20.00
• Subsequent purchases from other surpluses: € 30.00
• Automatically reinvested dividends by the broker: € 3.01 (this function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 55.00 € for $JEGP (+0,27 %)
• 
  44.00 € for $GGRP (-0,28 %)
• 
  30.00 € for $FGEQ (-0,4 %)
• 
  295.08 € for $DXSA (+0,28 %) (funds from the sale of a $ETH (+0,01 %) tranche)

If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.

Passive income from dividends

My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 22
• Number of payment days: 12 days
• Average dividend per payment: € 5.83
• average dividend per payment day: € 10.70

The top three payers are:

• $IWDP (+0,56 %)
• 
  $ISPA (+0,31 %)
• 
  $ZPRG (+0,27 %)

My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.

Crypto performance

My crypto portfolio was characterized by the partial sale of a $ETH (+0,01 %) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.

Here are some key figures:

• Monthly performance portfolio: +0.29 %
• Performance since inception: +134.35 %
• Share of holdings for which the tax holding period has expired: 98.55 %.
• Crypto share of the total portfolio: 2.20 %

The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%

As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows

• TTWROR (current month): +1,01 %
• $VWRL (-0,42 %) : -0,33 %
• $VUSA (-0,56 %) : -1,13 %

Outlook and a private bonus

My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.

A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.

Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.

My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.

So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How was your August at the depot? Do you have any tops and flops to report?

Leave your thoughts in the comments!

$NKE (+0,76 %)

hi together,

The Nike share is currently back at the upper trend line of the downward trend channel.

Whether you pay attention to the charts or not is up to you, but the resistance is conspicuous, both at the top and at the bottom.

With an investment horizon of this one share of up to the next 3-5 years and currently up approx. 10%, do you see new upside potential or is it bobbing along at a few percent p.a.?

I would be interested in your opinion!

Thank you!

Now that I have reached this milestone, I would like to present my portfolio again. I am 39 years old, married and have a 9-month-old daughter. Due to my wife's parental leave and my own (3 months), I had to reduce my monthly savings rate this year and was also unable to make any major additional purchases during the dip in April. We live in an apartment in Munich that is still encumbered with EUR 220,000. I own 60% of the apartment and my wife 40%.

The aim is to be debt-free by the age of 50, double the value of the deposit and generate a dividend of EUR 1,000 per month.

My portfolio currently has $PLTR (-3,25 %) and of course I also have a few securities at the start that are clouding the picture: $P911 (-1,06 %) , $NKE (+0,76 %)
$PEP (+0,03 %)

Comments, questions and remarks are always welcome.

$NOVO B (-2,71 %) & $QCOM (+1,5 %) increased, but $NKE (+0,76 %) completely out.

Would you sell if you have nothing to offset?

Permanent loser $NOVO B (-2,71 %)
$MC (+0,64 %)
$NKE (+0,76 %)
$ADBE (-0,92 %)

I want to get out of shares in the long term, only ETFs with dividends. Because I always sell shares all the time, I have to realize the profit all the time! Of course you don't make good money in the long term that way.

As a result, I don't really want any more shares, but the losses? Just sit it out for years or get out?

It's different with ETFs with dividends, regular cash flow, which I then also hold.

#verlusterealisieren
#verlust
#strategie