Today I opened a new position in P&G. I am thus continuing to pursue the path of making my portfolio more balanced.

I think it's a good time to get in, because YTD the price of a rather defensive company has fallen by approx. 7% and a dividend yield of approx. 2.3% is a good aspect to bet on P&G in addition to the safety factor.

What do you think? How will P&G develop in the future?

Kind regards

The markets remain volatile and in times of crisis many investors look for stable investments. But which sectors and companies have historically proven to be particularly resilient or could even benefit?

Consumer staples - products that will always be needed

Companies such as Procter & Gamble $PG (+2,02 %) Nestlé $NESN (-1,21 %) or Coca-Cola $KO (+2,23 %) benefit from their strong market position and stable cash flows. People are always buying household products, food and beverages.

Healthcare sector - crisis-resistant growth stocks

Companies such as Johnson & Johnson $JNJ (+0 %) , Eli Lilly $LLY (+0,99 %) or Novo Nordisk $NOVO B (+1,79 %) supply medicines and treatments that are in demand regardless of the economic situation. There is a particular focus on the boom in diabetes and obesity therapies.

Providers - Stable income through basic care

Companies such as NextEra Energy $NEE (+1,92 %) Duke Energy $DUK (+3,05 %) or Southern Company $SO (+2,5 %) are benefiting from the constant demand for electricity and water. Renewable energies are also playing an increasingly important role.

Commodities & gold - hedging against inflation & uncertainty

Gold mining companies such as Barrick Gold $ABX (+2,04 %) or Newmont $NEM (+0,57 %) often benefit in times of economic uncertainty, as investors flee to gold as protection against crises.

Defense & Armaments - Profiteers of geopolitical tensions

Rising military spending worldwide makes companies such as Lockheed Martin $LMT (+1,09 %) or Northrop Grumman $NOC (+1,19 %) into potential winners of long-term conflicts and global uncertainties.

This is just a small selection of companies. But hopefully it gives a small insight into the interesting crisis-proof sectors.

Defensive investors could now focus on consumer staples, healthcare and utilities for long-term stability. Opportunity-oriented investors could look to commodities, gold or defense if geopolitical tensions continue to rise.

#stockanalysis
#dividends
#growth#inspiration

Which 3 stocks would you buy in the next possible crash and why? Preferably buy and hold stocks

For me it would probably be:

$OMV (+0 %)

$PG (+2,02 %)

$ALV (-0,77 %)

Reason: solid dividend stocks that would have a very nice dividend credit in the event of a price drop (thought of as a buy or hold)

2025 - A stock market year that has so far been more reminiscent of rough seas. It goes uphill and the next moment it goes abruptly downhill again.

The January began with a lot of Trump euphoria on the markets, before this was halted by DeepSeek in the second half of January.

The February recovered relatively quickly from this shock before falling again in the second half of the month. The Trump euphoria has turned into a Trump shock for the time being.

Nevertheless, I will continue to hold a 75-80% USA quota with a high proportion of tea.

I can get over the fact that after 2 years of outperformance against my benchmarks, there may be an underperformance this year.

Monthly view:

In total, February was -3,2%. This corresponds to price losses of almost 10.000€.

The MSCI World (benchmark) was down -2.5% and the S&P500 -1.4%.

Winners & losers:

A look at the winners and losers nevertheless reveals a surprising picture for the top performer in February.

But first a look at the losersThe biggest loser by far is Alphabet $GOOG (+0,59 %) With losses of almost €3,000, the share price took a heavy hit in February. This is followed by a total of almost €5,000 in price losses Bitcoin
$BTC (+0,03 %) & Ethereum
$ETH (-0,11 %) . 4th & 5th place goes to Salesforce
$CRM (-0,05 %) and TSMC $TSM (-4,66 %) two more tech stocks

On the winning side are actually at the top, much to my own surprise NVIDIA
$NVDA (+0 %) with a price gain of almost €1,000. And this despite the fact that NVIDIA lost over 10% on the penultimate trading day in February. Nevertheless, the recovery after the DeepSeek shock in February was greater than expected.

The top 5 includes Amgen
$AMGN (+2,74 %) and Johnson & Johnson
$JNJ (+0 %) two stocks from the healthcare sector, a rather defensive sector. These are joined by MercadoLibre $MELI (-4,54 %) and Palo Alto Networks $PANW (-0,37 %) but also two tech stocks.

The performance-neutral movements were positive again in February at € 900, after January was clearly negative due to a property purchase.

current year:

In the YTD my portfolio is still just in the plus with +0,6%. However, the MSCI World is up +1.9% and I am currently underperforming my benchmark.

In total, my portfolio currently stands at ~288.000€. This corresponds to an absolute growth of ~€3,000 in the current year 2025. ~1.000€ of this comes from price increases, ~500€ from dividends / interest and ~1.500€ from additional investments.

Dividend:

• Dividends in February were 19% above the previous year at ~€188
• At the top of the list Procter & Gamble
  $PG (+2,02 %) with now over €50 (gross) dividend every 3 months
• In the current year, the dividends after 2 months are +24% over the first 2 months of 2025 at ~350€

Buys & sells:

• I bought in November for ~800€
• 520€ shares
• 210€ ETFs
• Here I took up a new ETF via a savings plan, an ETF that normally does not correspond to my strategy at all. This is a Covered Call ETF on the NASDAQ $JEPQ (+0,74 %) - The ETF uses a covered call strategy to aim for a distribution of ~10% p.a. and still generate price gains. I know that this doesn't make sense from a tax perspective, but what the heck: you can have fun sometimes 😉
• 100€ crypto
• sales there were none in February

YouTube:

I uploaded a few new videos to YouTube in February and I'm starting to feel less stupid talking into a microphone.

I've also uploaded my portfolio update there as a video if anyone would like to see some more information about the portfolio performance in February:

https://youtu.be/iJZ0i3EO5Hs

Here I act according to the motto: Let's see what happens - What will happen!

Goal 2025

Building a house makes it particularly difficult to formulate a goal this year.

A certain savings rate? Difficult if additional costs are suddenly added

A certain deposit value? Also difficult, as I can't really back this up with my savings rate this year and the markets are very volatile.

The current portfolio balance is ~€290,000. I would estimate additional investments at ~€15,000. This would bring me to just over €300,000. I originally assumed a market return of 7% for this year. However, after the first two months it is difficult for me to estimate how this year will go.

That's why I'm being honest: A target doesn't make sense for me this year.

The goal is to build a successful house and for the portfolio we'll just see what happens.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

If a company like that drops 5%, I'm right there with them.

In the current issue, "Der Aktionär" recommends these dividend stocks.

For a peaceful night's sleep (conservative):

• E.On $EOAN (+0,8 %)
• Johnson & Johnson $JNJ (+0 %)
• Munich Re $MUV2 (-0,41 %)
• PepsiCo $PEP (+0 %)
• Procter & Gamble $PG (+2,02 %)

Top dividend with medium risk can be seen in:

• Andritz $ANDR (-6,97 %)
• Freenet $FNTN (+0,31 %)
• Imperial Brands $IMB (+2,08 %)
• Traton $8TRA (-2,19 %)

Dividends with a yield kick are located in these shares:

• Frontline $FRO (-0,54 %)
• Petrobas $PETR3 (-0,35 %)
• Repsol $REP (-0,64 %)
• Stellantis $STLAM (-1,69 %)

Source: Der Aktionär, Issue 08.2025

Hello, I am thinking about restructuring my portfolio, which in my opinion is very unbalanced, with a view to the future. I'm thinking of an investment horizon of around 15-20 years.

I would like to structure the core of my portfolio with the help of 60% #etfs with the help of

• $VWRL (+0,44 %) 30%
• $CSPX (+0,91 %) 30%

In addition, around 5% of my postage portfolio is to be #crypto above all $BTC (+0,03 %) consist of

I invest the remaining 35% in individual stocks.

• Technology sector 8%
• Thought of $MSFT (-0,62 %) , $GOOGL (+0,65 %) , $AMZN (-0,68 %) , $SAP (+0,18 %) ,$NVDA (+0 %) in approximately equal parts
• Healthcare sector 4%
• Something like $JNJ (+0 %) , $NOVN (-0,63 %) , $NOVO B (+1,79 %) but I'm not quite sure here yet, I want to read up on it in more detail
• Consumer sector 6%
• Thought of $COKE (+0 %) , $1810 (+0,17 %)
  $PG (+2,02 %) but not sure yet either
• Industrial sector 5%
• Something like $6501 (-6,43 %)
  $SIE (-1,6 %)
• 
  Energy sector 7%
• $SHEL (+0,8 %) , $ENR (-1,65 %)
• 
  Financial sector
• $ALV (-0,77 %) and $NU (-0,84 %)

I currently have a monthly savings rate of 400-500 euros in addition to my studies and would divide this up accordingly and put it into a #sparplan and put it into a savings account.

What do you think of the weighting and do you have any tips, especially in the health sector?

Brief feedback is very welcome

#stockanalysis
#portfolio