Dear Getquiner

Today I bought my first Procter & Gamble shares.

So from now on I will only be using Head & Shoulders 😜.

Who has $PG (+0,13 %) also in the portfolio?

I don't feel like stopping accumulating this defensive dividend kiiiiiiing, when the company reaches 100 years of consecutive dividend increases I'll still be holding them.

In my opinion, $PG (+0,13 %)
it's one of the most solid companies for those following a long-term dividend strategy.

For investors in their 20s, it makes perfect sense to start early, buy and hold.

✅ I took profits today from Amazon $AMZN (+0,21 %) , Microsoft $MSFT (+0,24 %) and NVIDIA $NVDA (-0,19 %) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (+0,03 %) - (future play with GTA 6)
• Shell $SHEL (+1,08 %) - (energy + dividend)
• BYD $1211 (+0,51 %) - (growth China/E-mobility)
• Procter & Gamble $PG (+0,13 %) - (stable dividend, consumer goods)
• Allianz $ALV (+0,45 %) - (high dividend, defensive)
• McDonald's $MCD (+0,16 %) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (-0,21 %)
• 
  Realty Income $O (+0,31 %)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (+0,48 %)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (+0,31 %) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?

$HEIA (-0,41 %)
$EL (-0,14 %)
$NUE (+0,35 %)
$CDNS (+0,02 %)
$WM (+0,65 %)
$MSFT (+0,24 %)
$V (-0,04 %)
$OR (-0,89 %)
$AZN (+0,27 %)
$MRK (+0,36 %)
$PG (+0,13 %)
$SBUX (+0,98 %)
$BCS (+0,87 %)
$META (+0,16 %)
$BABA (-0,1 %)
$QCOM (+0,47 %)
$AIR (+0,4 %)
$HSBC (+0,9 %)
$GSK (+0,23 %)
$MBG (-0,21 %)
$F (+0,14 %)
$AAPL (-0,23 %)
$AMZN (+0,21 %)
$MA (+0,3 %)
$7203 (+1,1 %)
$SHEL (+1,08 %)
$005930
$SNY (+0,49 %)
$CMCSA (+0,53 %)
$COIN (+0,51 %)
$NET (+0,05 %)
$XOM (+0,25 %)
$CVX (+0,53 %)
$CS (+0,93 %)
$NTDOY (-2,38 %)
$CL (-0,14 %)
$DTG (-0,73 %)
$UNH (+1,06 %)

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (+0,02 %) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,09 %) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (-0,02 %) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (+0,05 %) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (+0,3 %) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (+0,13 %) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-0,27 %) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+0,28 %) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+0,18 %) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (+0,28 %) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+0,65 %) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0,34 %) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (+1,08 %) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (+0,28 %) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (+0,72 %) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0,31 %) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+0,13 %)
$SOL (+0,26 %)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

I took advantage of the weaker dollar to strengthen my position in Procter & Gamble, one of the most stable and consistent companies in my portfolio. As well as lowering my average purchase priceI continue to accumulate shares in the company.

🔹 Why keep reinforcing PG?

✅ Dividend King - 68 consecutive years of dividend increases. Impeccable track record.

✅ Share buybacks - Reduces the number of shares in circulation, increasing shareholder returns.

✅ Ultra-defensive company - Everyday products that maintain demand even in difficult times.

✅ Unbeatable brand portfolio - Ariel, Gillette, Pampers, Oral-B, Fairy, etc.

✅ Buy and never sell - It's one of those companies to always accumulate.

📈 Reinforcement in line with my strategy: solid, predictable companies with dividend growth and sustainable returns.

I would prefer to sell everything and put it into say 3-5 ETFs, but due to a mixture of different feelings I can't take this step. At least not overnight. Today I was able to part with the following positions (a big step for me, a small step for my portfolio).

$COST (+0,12 %) -3% may not have been the best time to sell, but I'm no longer convinced in the long term, or rather it doesn't fit my investment idea

$PG (+0,13 %) -8% stinks of opportunity cost. It may be that there is a good entry point for a solid dividend stock at the moment, but I would rather continue to build up the broadly diversified ETF.

$ROL (+0,1 %) -4% ditch or not, we won't see the big fast percentages here.

$RMS (-1,55 %) +25% I would not buy again today at the current price and find the valuation excessively high.

Reallocated to $VWRL (+0,11 %) 🥱 and $EQQQ (-0,01 %) 😎

(Thanks to a mini crash from 17:00, I also got a lot of shares)