The first month of the new year is already over. While the first half of January was characterized by Trump euphoria and rising markets, the second half was much more volatile, particularly due to DeepSeek and its impact on the AI sector.

For me personally, the savings rate was unfortunately somewhat lower due to the issue of house building, as already mentioned at the end of 2024. Currently (and probably also for the coming months) it will therefore only be around €500-700.

I am aware that this is of course still a very high savings rate, but it is significantly lower than the ~€2,000 of recent years.

Also very exciting: In November, I withdrew over €20,000 from my custody account to raise the equity for the bank. Just 2 months later, my custody account is back to the same value of almost €300,000.

But now it's finally time to look at the hard figures:

In total, January was +3,9%. This corresponds to price gains of ~11.000€.

The MSCI World (benchmark) was +3.5% and the S&P500 +2.7%

Winners & losers:

A look at the winners and losers shows an unusual picture in January:

The biggest loser by far is NVIDIA! With price losses of almost €3,000, the emergence of DeepSeek caused substantial losses in the portfolio.

The other losers, on the other hand, are only worth a side note. After NVIDIA, Apple has already lost significantly less with ~€400 losses. The remaining loser stocks then only lost around €200.

On the winners' side at the top with a total of almost €2,000 in price gains is the Meta share. Followed by Bitcoin with €1,500 price gains and 2 other tech stocks: Alphabet with €1,200 and Crowdstrike with €1,000. 5th place goes to Starbucks, also with gains of almost €1,000.

The performance-neutral movements were clearly negative in January, as some of the cash was used to buy the property. The property is of course also an asset, but I would rather focus on liquid assets here.

The performance-neutral movements in relation to my portfolio were ~€600

Dividend:

• The dividends in January were 30% above the previous year at ~€166
• TSMC is in the lead with over 30€ (gross) dividend every 3 months.

Buys & Sells:

• I bought in November for significantly reduced ~600€
• As always, my savings plans were executed:
• Blue ChipsMicrosoft $MSFT (-1,57 %) Stryker $SYK (-0,56 %) Apple $AAPL (+0,26 %) Home Depot $HD (-2,25 %) Starbucks $SBUX (-0,91 %) Texas Instruments $TXN (-0,26 %) Nike $NKE (-0,48 %) Novo Nordisk $NOVO B (+5,32 %) Lockheed Martin $LMT (+2,16 %) LVMH $MC (+0,4 %)
• 
  Growth: -
• ETFsMSCI World $XDWD and the WisdomTree Global Quality Dividend Growth $GGRP
• Crypto: Bitcoin $BTC and Ethereum $ETH
• Sales -

YouTube:

In mid-January, I uploaded my first video to YouTube. I am particularly proud of a video explaining my dividend strategy. The video has already reached almost 200 views and a playback time of ~10 hours!

Even though I'm still not really sure what exactly I want to do on YouTube, I really enjoy editing videos and talking about shares.

That's why I created my January portfolio update as a video for the first time. Of course I would love to hear your feedback!

https://youtu.be/SD8ZKVWbUGA

Target 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.

Nevertheless, I would formulate the following goal for this year:

Current portfolio balance is €300,000. I would estimate additional investments at ~€15,000. With an average market return of ~7%, that would be price gains of ~€21,000.

This would put my portfolio at €330,000 to €340,000 at the end of 2025.

-> I would therefore aim for a portfolio value of well over €300,000, so that a 2% fluctuation does not lead directly back below €300k.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

One of my first individual shares leaves my portfolio.

$SBUX (-0,91 %) I bought about 7 years ago.

Bring a little coffee (material input in the cent range) to the market at top prices and people are queuing up.

The money man likes that.

But Starbucks has lost its luster in recent years.

The easiest way to save on coffee is to make everything more expensive.

China expansion as a growth driver is turning out to be a pipe burst.

So actually a turnaround investment by now. But the valuation is far too high for that.

The new CEO must first get the problems under control. I'm not taking my chances and am selling with a nice 100% gain.

... Although the fees are ridiculously high from today's perspective. What can happen in 7 years...

The year 2024 is over in stock market terms and I would also like to review the year.

I started with a portfolio value of just over €53,000.

I knew that a reallocation of around €20,000 was still to come and had therefore set my sights on the target of €100,000.

This was very ambitious, as I naturally didn't know what the year would bring. After all, there were already enough economic and political uncertainties at the start of 2024.

As I only really started investing in 2021 and 2022 was therefore my first full year on the stock market, I made a lot of mistakes at the beginning, had fluctuations in my strategy (once one was in place) and of course also made a few losses.

That's why it was important for me to stay true to my strategy in 2024 and not throw everything overboard again. Because, as I always say, going back and forth empties your pockets.

Some of you may also remember my early days, when I had a lot of savings plans in place, but they weren't particularly high and were constantly being changed. At the beginning of 2024, my portfolio contained a total of 47 individual share positions and 3 ETFs.

My goals for 2024 were therefore

• Stay true to the strategy
• No new stocks in the portfolio, rather clear out
• 100,000€ portfolio value
• 2000€ net dividend
• Investment of €17,000 (without reallocation)

2024 went as follows for me:

January: +4.0%

February: +1.3%

March: +3.0%

April: -0.4%

May: +0.5%

June: +1.7%

July: +1.7%

August: +0.9%

September: +1.0%

October: -0.4%

November: +3.4%

December: -1.7%

TTWROR 2024: +15.8%

Dividend (already in the performance): € 1956.56

Invested: €24,900

Reallocation: €21,700

Thanks to a special payment from my old employer, to which I was still entitled, I was surprisingly able to invest around €5,000 more than I had originally thought.

Did I achieve my goals?

Not all of them.

With the dividends, I'm ~€43 below my target. That's a shame, but it motivates me to step on the gas even more and crack the €2400 net dividend in 2025. That would be €200 net per month, which corresponds to an increase of 22.66%. Again, very ambitious, but you should set yourself ambitious goals.

However, I was already able to break the €100,000 barrier in September. This was of course due to the strong market. I ended the year with just over €111,500. I have remained true to my strategy, but a few new stocks have slipped into the portfolio (and a few out).

The cheering contribution to the €100,000 was here:

https://app.getquin.com/de/activity/XGtdQzCdYF

New in the depot:

$NESN (+4,08 %) Nestle

$CTAS (-0,09 %) Cintas (savings plan)

$RACE (-0,5 %) Ferrari

$D05 (+0,91 %) DBS

$UNH (-6,94 %) United Health

$V (-0,16 %) visas

$CSNDX (-1,63 %) Nasdaq 100 (savings plan)

$XEON (+0,01 %) As an overnight money substitute for fixed planned money for loan repayment in 6 years or special repayment if the interest rate on the balance falls below the loan interest rate of 0.75%. Is topped up with special payments from the employer during this period.

Left my securities account:

$AAL (-0,25 %) Anglo American PLC (+37%)

$IBM (-0,47 %) (+26%)

$BAC (-0,56 %) Bank of America (+45%)

$UKW (-0,76 %) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (-0,91 %) Starbucks (+10%)

$BIGG (-0,98 %) Bigg Digital Group (-95%)

Unfortunately, I sold IBM and Bank of America too early, but I am still satisfied.

What else has happened?

• I bought Bitcoin from TR to estimate the costs. Conclusion: savings plan is always around 3-4% higher. Not worth it, if at all then individual purchases
• Weingut Dürnberg: First dividend received and prospects look reasonable. Depending on how the grape harvest turns out next year, a dividend will be paid again and investments can still be made.
• The conservatory and paving the courtyard are done. The house construction is more or less finished, everything else will take time and are small things, but now I have to start saving again as I only have a small nest egg and my deposit. All other funds have been used up as the costs were twice as high as originally planned.
• Podcast with @Koenigmidas is running rather slowly this year due to personal time constraints. You can find the latest episode here: Link zur Folge (also available on Amazon)

Outlook for 2025

So what are my plans for 2025 in terms of finances?

• Investment of €15,000
• Net dividend of €2,400
• One slightly greater focus on high dividend stocks (e.g. to increase $HTGC (-0,77 %) to increase the cash flow a little faster)

What are your targets for 2025? Did you reach your 2024 targets and to what extent did you change your targets after reaching (or not reaching) your 2024 targets?

Feel free to let me know in the comments, as I always find it very exciting to see how ambitiously others set/change their goals.

I wish you a good start to 2025 and every success with all your plans and goals.

As with everything, of course, if you're not interested, feel free to keep scrolling and/or use the block function. 😊

In Part 1 I described my start as an investor from 2010 to 2016. Despite loss-making investments and bad decisions (buying AT&T instead of Amazon), I was able to achieve a portfolio value of €35,000. These experiences were to lay the first foundation stone for my future successful investment strategy (https://app.getquin.com/de/activity/PElWrODsmV)

In part 2 I talk about further setbacks in 2017 and 2018 and how the purchase of MasterCard shares marked the turning point in my investment career. Despite initial losses and professional dissatisfaction, I realized that my original strategy wasn't working and discovered the "dividend growth" for me. With a new professional position and a solid salary, I was finally able to really hit the ground running in 2019 (https://app.getquin.com/de/activity/LUkWiLtZKX)

In part 3 it will now be about the years 2019 to 2021 will be discussed. In these 3 years, my portfolio has increased fivefold. From €40,000, it went up to €199,000 in the meantime. But not everything was positive here either. During this time, I also made the two worst trades of my investment career. In addition to Wirecard, there were two other equity investments that resulted in losses of over 80%.

The year 2019 & the first share savings plans:

The year 2019 started with a portfolio balance of ~€40,000 and after my MasterCard purchase in December 2018, my major portfolio reorganization was to continue directly at the beginning of 2019. So in the first four months with Tencent $700 (+2,88 %)
Intel $INTC (-4,07 %)
Salesforce $CRM (-2,41 %)
Alphabet $GOOG (-2,32 %) and Meta $META (-1,11 %) (then still Facebook), five more tech stocks were added to my portfolio. In return I have BHP Billiton $BHP (-0,19 %)
Macy's $M (-3,7 %)
and Hugo Boss $BOSS (+0,31 %) sold.

Later in the year, the shares of Mercedes $MBG (-1,31 %)
and AT&T $T (+2,01 %) were also removed from the portfolio.

In addition to further acquisitions such as Pepsi $PEP (+3,26 %)
Nextera Energy $NEE (+2,37 %)
or Xylem $XYL (-1,46 %) I also recognized the benefits of share savings plans in 2019 and started to set up a pure "savings plan custody account". At that time, this was still done via comdirect or Consorsbank and each savings plan execution cost a fee of 0.75%.

Another sale in 2019 was the Gamestop-share $GME (-1,75 %) . Bought in 2016 to have something to do with gaming in the portfolio, but not taking into account that stationary sales are becoming less and less relevant. In the end, the share price fell by 85% - unfortunately, this was long before the memestock hype emerged.

My portfolio rose to ~€67,000 in 2019 and achieved a return of 23%. However, this was still well below the MSCI World and the S&P 500.

The year 2020 - Corona, Wirecard bankruptcy & 100k before 30 in the portfolio

2020 - a year that few of us will probably forget. While everything was still going reasonably smoothly in January and February 2020, chaos was set to break out from mid-February/March.

The first few weeks of 2020 had given rise to hopes of a very positive development in my portfolio. From the beginning of January to mid-February, my portfolio rose by almost €10,000 to €77,000.

Panic then slowly set in from mid-February. I still remember exactly how trading on the US stock markets was repeatedly suspended for short periods and daily losses of 10% were normal. At 0 o'clock sharp, I looked at the US futures and in seconds the futures went down by -5%. A cap for the futures, the futures loss must not be higher and you knew the next morning it would end badly for the DAX.

But when there is blood in the streets, you can make very good deals! So in March 2020 I bought the Allianz
$ALV (-0,14 %) for €118. This gives me a personal dividend yield of almost 12% based on the current dividend of €13.80. Unfortunately, I only bought for €1,000 in total.

Also Starbucks
$SBUX (-0,91 %) I was able to buy for less than €50.

The stock market crash continued until the Fed made short work of it and ended the crash single-handedly. The crash was ended with interest rate cuts and massive money printing and once again the saying "Never bet against the FED" proved to be true.

The stock markets then went through the roof and within a very short space of time were already back to a positive level compared to the end of 2019. Every share that somehow falls under the term "stay at home" was suddenly the hot tip on the stock market. Whether the Peloton $PTON (-5,46 %)

or Teladoc $TDOC (-8,8 %) everything went through the roof.

I let myself get carried away and did about 10 "Stay at Home" hype stocks into a growth savings plan portfolio. Of these, at the end of 2024 with Sea $SE (-2,53 %) and MercadoLibre $MELI (-4,31 %) only two shares remained. It goes without saying that most of them left the portfolio at a loss.

But 2020 was also the Wirecard year $WDI (-33,51 %) BaFin's ban on short selling, a year-long audit by EY, political backing and massive investments by German fund managers from DWS, UnionInvest and Deka vs. a journalist from the Financial Times.

Wirecard's claims that the journalist was in cahoots with short sellers and the backing from various institutions were unfortunately too credible for me.

When Wirecard faced the press and announced that EUR 2 billion could no longer be found, things went downhill and it became clear to everyone that the company was heading for insolvency. Before trading was suspended, I was able to sell my shares at a 50% loss and got off lightly.

Later in the year, I was able to conclude an extremely favorable leasing offer and sell my private car. The proceeds went straight into my securities account and I broke the €100,000 barrier in November 2020.

My portfolio then ended the year with a value of ~€120,000. At +5%, my performance was pretty much in line with the MSCI World.

The year 2021 - HYPE! Wall Street bets, crypto and almost 200k in the portfolio

The year 2021 was characterized above all by hypes. Cryptocurrencies, memestocks and memecoins were in the headlines everywhere. Gamestop, Dogecoin, SPACs and NFTs everyone had to have.

Traditional shares became almost boring.

One of the reasons was certainly the checks that the US government issued to its citizens. It was still Corona, many were locked down and suddenly people started gambling on the stock market.

The hype can be illustrated very well using the example of NFTs. In 2021, NFTs worth $17 billion were traded, in 2023 it was only 80 million - a decline of 97%. According to one study, ~95% of all NFTs are now completely worthless.

The madness in one example: Procter & Gamble launched a Charmin toilet paper NFT. This was sold for over $4,000. All proceeds were donated, but a symbol of the madness of 2021.

From a portfolio perspective, 2021 was great! In the end, there was a +32% return and a portfolio value of over €190,000, which at times in November 2021 was €199,000.

My top performers were NVIDIA
$NVDA (-3,63 %) with over 100% price gains and Pfizer $PFE (+1,91 %)
, which was driven by the vaccine hype and at €50 was twice as high as in 2024.

My worst performer was another 80% loss with TAL Education $TAL (+0,36 %) . An education company from China. Unfortunately, this was the first time I was able to experience the political arbitrariness in countries like China. Overnight, it was decided that education/tutoring could only be run as a non-profit. Of course, this was almost a death sentence for the company and the share price plummeted by 80%.

Asset development & return:

After the years 2013 to 2018 were forgettable in terms of returns, the years 2019 to 2021 finally delivered:

Year
Deposit value
Yield

2019 67.000€ +19%

2020 121.000€ +5%

2021 193.000€ +34%

Vermögensentwicklung 2019-2021:

Vermögensentwicklung 2013-2021:

Outlook:

Looking back on the hype year 2021, it is almost obvious that 2022 had to be clearly negative.

After the party, however, came the hangover in the form of inflation and the war in Ukraine. Sharply rising interest rates and global economic concerns did the rest.

In the next part, I would therefore like to look at the years 2022 & 2023. I will then combine 2024 with my review of the year in the last part.

#strategy

#personalstrategy

#etfs

#dividends

Depot optimization: Your feedback is needed!

Hello everyone,

I am currently working on optimizing my portfolio with a clear focus on dividend growth and a broader diversification. The plan is to include companies that offer solid long-term dividend growth and at the same time cover different sectors.

The stocks I am currently considering include $JNJ (+2,12 %)
Johnson & Johnson (strong market position in the healthcare sector, dividend aristocrat) and $SBUX (-0,91 %)
Starbucks (fast-growing company in the consumer goods sector with solid dividend potential). Both companies fit well into my strategy, but I am still looking for other interesting stocks to add to my portfolio.

What can you think of? Which companies with a similarly stable dividend policy and good growth prospects do you have on your radar? I would be particularly interested in suggestions from less obvious sectors or with geographical diversification.

Looking forward to your suggestions and the exchange!

Chart technology from the picture book IV

+ fairy tale

Starbucks

It's not just coffee. It's Starbucks.

$SBUX (-0,91 %)

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The technical chart of Starbucks shows mixed signals depending on the time perspective.

The short-term and medium-term indicators and oscillators are currently pointing to a buying trend. There was also a golden cross at the end of September 24, for example.

The support levels seem to be holding well.

Over the last 2 years or so, Starbucks has tended to move sideways with ups and downs. (Beta 0.90)

I have not researched the reasons, but I can think of a few points off the top of my head that could have been partly responsible for the poor performance.

• The raccoon year of 2022 🦡
• The exorbitant rise in the commodity price of coffee
• In my opinion, the poor management of Mr. Laxman, who has since been replaced by Mr. Niccol (ex $CMG (-2,73 %) CEO) in the meantime 🥳.

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

A look at the annual candles shows a bullish candle with a long shadow for 2024. This could be a bullish reversal signal. The CEO change was received very positively by the market and has also led to increased buying volume again.

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

If you look at the chat with monthly candles, on the other hand, you can see a bullish flag in my opinion, but it could still turn bearish.

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

Conclusion:

In my opinion, Starbucks is currently not an attractive investment in view of the market uncertainty that can be seen in the chart, the negative equity and the high level of debt. Starbucks could be more interesting for a trader. As always, just my opinion and a lot of gut feeling 🤓

$SBUX (-0,91 %) so reading this article in the NYT, I think the stock is way overvalued, what do you think? https://www.nytimes.com/2024/10/30/business/starbucks-customers-brian-niccol.html?smid=url-share

(Delayed) portfolio review October 2024 - A month with 5 share sales and one ETF sale

Even though October was just over two weeks ago, it feels like a different time. Germany still had an (unspeakable) traffic light government, in America the race for the White House was still open and a phone call between Scholz and Putin was unthinkable.

And even though November has been much more exciting on the stock market than October so far, October was a month of major changes from a personal perspective.

Apart from stock market investments, we are slowly starting to think about building a house. As a result, for the first time in a long time I made several sales in my portfolio and therefore also cleared out a little.

Previously this year, there were only 2 sales in my portfolio: at NVIDIA I took my stake out in February and since then have only let the profits run. In addition, in March I had Encavis after the takeover bid.

There were a total of 6 sales in October. For just under €7,000 I sold my China ETF which has recovered well over the last few months.

On the equity side, I have now sold most of the Corona Hype stocks and Match, Atlassian, Shopify and Block have been sold. In addition, I have also Pfizer sold. That was another €8,000, leaving only Sea from the Corona hype times, where I will remain invested for the time being, as it covers a completely different region geographically with Southeast Asia.

My savings quota will therefore be significantly reduced for the time being due to the upcoming house building project. From just under €1,500 to €2,000, it will only be €500-600 per month for the time being

Monthly view:

In total, October was +1,7%. This corresponds to price gains of ~5.000€.

The MSCI World (benchmark) was +0.9% and the S&P500 +1.5%

Winners & losers:

A look at the winners and losers is part of the usual picture:

On the winning side is, as so often NVIDIA is at the top with almost €3,000 in share price gains. It is followed by TSMC, Bitcoin, Alphabet and Palo Alto Networks with gains of €900-1,000 each.

On the loser side above all ASML made its contribution with price losses of almost €1,400. This was followed by Bechtle, Thermo Fisher, LVMH and Nike a broader mix of stocks that have not necessarily performed well recently. Nevertheless, all 5 loser stocks are still part of my savings plans.

The performance-neutral movements in October were just under €4,600. The sales proceeds are all still in cash accounts at the moment, so they have not yet flowed out of the assets. There will be a larger dip here at some point in the future.

Current year:

My performance in the current year is +27,5% and thus above my benchmark, the MSCI World with 23.7%.

In total, my portfolio currently stands at ~331.000€. This corresponds to an absolute growth of ~€79,000 in the current year 2023. ~53.000€ of this comes from price gains, ~3.000€ from dividends / interest and ~22.000€ from additional investments.

Dividend:

• Dividends in October were 32% above the previous year at ~€150
• TSMC is in the lead with a (gross) dividend of €30 every 3 months. TSMC has already raised the dividend for next year by 30% again
• In the current year, the dividends after 10 months are +25% over the first 9 months of 2023 at ~2.350€

Buys & sells:

• I bought in October for approx. 1.500€
• As always, my savings plans were executed:
• Blue chipsNovo Nordisk $NOVO B (+5,32 %) LVMH $MC (+0,4 %) Apple $AAPL (+0,26 %) Home Depot $HD (-2,25 %) Microsoft $MSFT (-1,57 %) Nike $NKE (-0,48 %) Starbucks $SBUX (-0,91 %) Stryker $SYK (-0,56 %) Texas Instruments $TXN (-0,26 %)
• 
  GrowthCrowdstrike $CRWD (-6,19 %) MercadoLibre $MELI (-4,31 %)
• 
  ETFsMSCI World $XDWD (-0,98 %) Nikkei 225 $XDJP (+0,1 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,99 %)
• 
  Crypto: Bitcoin $BTC (+0,76 %) and Ethereum $ETH (+1,83 %)
• 
  Sales as mentioned, there were some in October with Match $MTCH (-2,85 %) Pfizer $PFE (+1,91 %) Block $SQ (-12,06 %) Shopify $SHOP (-5,86 %) Atlassian $TEAM Invesco MSCI China All-shares $MCHS (+2,18 %)

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market development in the current year, my portfolio already stands at ~€331,000 at the end of October.

As of mid-November and thanks to the Trump rally, my portfolio is currently approaching €350,000 and was even slightly above this level a few days ago. However, with a larger cash portion that will sooner or later flow into financing as equity.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy