Hey community,

I would like to build up a dividend portfolio with some growth and have made a plan.

I'm really looking forward to your feedback.

$VHYL (+0,05 %) 35%

$MSFT (+0,8 %) 10%

$V (+0,6 %) 5%

$PEP (+1,26 %) 5%

$ULVR (-0,02 %) 10%

$PFE (+0,44 %) 5%

$O (-0,44 %) 5%

$ALV (-0,03 %) 5%

Today, after a long period of consideration, I have decided to part with $CDI (-0,92 %) ... I have learned that it can also make sense to realize losses.

I now want to invest the money in shares that are better suited to my dividend growth strategy and show more growth. I am thinking of companies like $V (+0,6 %)
$ZTS (+1,51 %)
$NOVO B (-1,83 %)
$6383 (+0 %)
$VST (+5,49 %)
$VRT (+3,52 %)

Please share your opinion!

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 (+2,19 %) against $SYK (+0,66 %) would exchange. Now it has actually been implemented ✅ necessity is the mother of invention, which is why I have also parted with $OR (+0,66 %) 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 (+0,72 %) + ~10k

$GRAB (+3,55 %) + ~1k to (3.38)

$BLK (+1,09 %) + ~ 1.3k (678)

$ASML (+0,64 %) + ~2.7k (555,45)

$GOOGL (-1,07 %) + ~ 1.5k (124,66)

$MPWR (+3,2 %) + ~ 1.6k (409,21)

$SOFI (+0,25 %) + ~ 0.7k (7,78)

$LIN (+1,34 %) + ~ 1.1k (388,20)

$QCOM (+2,32 %) + ~ 1.5k (113,62)

$CRWD (-4,24 %) + ~ 0.9k (289,75)

$MSCI (+1,07 %) + ~1.3k (451)

$V (+0,6 %) + ~ 1.4K (274)

$AMZN (-0,2 %) + ~ 1.4K (159,74/159,34)

$MSFT (+0,8 %) + ~ 1.7k (335/337,75)

$MC (-0,48 %) + ~ 1.9k (482,31)

$NOVO B (-1,83 %) + ~ 2.5k (51,68)

$ABBV (+0,8 %) +~ 1.5k (152)

$NVDA (+3,08 %) +~ 2k (85,04)

$UNH (-0,41 %) +~ 1.7k (336,30)

$PEP (+1,26 %) +~ 1.1k (114,97)

$MRK (+1,8 %) +~ 1k (67,70)

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

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

$SYK (+0,66 %) ~ 2.1k (305,72)

$META (-0,31 %) ~ 1.4k (467,30)

$AVGO (+3,41 %) ~ 1.1k (156,76)

$ISRG (+0,49 %) ~ 1.6k (398,30)

$SPGI (+0,11 %) ~ 1.2k (403,22)

$ANET (+6 %) ~ 1.8k (70,50/58,65)

$UNP (+2,04 %) ~ 0.9k (187,56)

$CAT (+1,91 %) ~ 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 ✌️

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (-0,41 %) and $TSM (+2,17 %) were proved wrong.

To my delight $RSG (+0,58 %) , $V (+0,6 %) and $DE (+1,75 %) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD 2025: -3.65 %

📉 TTWROR 2025: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (+0,58 %) +15,81%

🥈 $V (+0,6 %) +6,69%

🥉 $DE (+1,75 %) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (+2,17 %) -19,13%

🥈 $ASML (+0,64 %) -10,71%

🥉 $IS3R (+0,24 %) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (+0,69 %) x5,55

🔄 03/2025: $IS3R (+0,24 %) x2,80

🔄 03/2025: $5MVL (+1,27 %) x1,83

➡️ 03/2025: $TSM (+2,17 %) x1,726

➡️ 03/2025: $ZTS (+1,51 %) x2,093

➡️ 03/2025: $UNH (-0,41 %) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (+0,6 %) +1,05€

💸 03/2025: $ZTS (+1,51 %) +2,28€

💸 03/2025: $UNH (-0,41 %) +1,97€

🔄 02/2025: $ISAC (+0,69 %) x6,8

🔄 02/2025: $MEUD (-0,13 %) x0,50

⬅️ 02/2025: $BRK.B (-0,47 %) +51,29€

⬅️ 02/2025: $PG (+0,1 %) +543,98€

💶 02/2025: Interest +€25.20

💸 02/2025: $DE (+1,75 %) +4,06€

💸 02/2025: $ASML (+0,64 %) +2,68€

💸 02/2025: $COST (+0,46 %) +0,03€

💸 02/2025: $PG (+0,1 %) +2,83€

🔄 01/2025: $ISAC (+0,69 %) x5,75

🔄 01/2025: $MEUD (-0,13 %) x0,53

➡️ 01/2025: $UNH (-0,41 %) x1

➡️ 01/2025: $TSM (+2,17 %) x2

➡️ 01/2025: $BTC (+0,04 %) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (+0,58 %) +1,16€

💸 01/2025: $SYK (+0,66 %) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

The current market sentiment at $BTC (+0,04 %) makes me personally incredibly bullish. We are just scratching the $100k mark again and nobody seems to care.

With New Hampshire, we have the first US state with a strategic BTC reserve.

A bill also came into force yesterday in Arizona that does not allow direct investment, but transfers confiscated BTC to the state reserve. In many other states, SBR laws are currently going through the official legislative process, which you can follow here:

https://bitcoinlaws.io/reserve-race

$MSTR (+4,34 %) hosted "Strategy World 2025" in Orlando from May 5-8. A conference at which BTC strategies and use cases for companies were presented.

Among others were:

- Visa $V (+0,6 %)

- Dell $DELL

- Salesforce $CRM (+1,45 %)

- Siemens $SIE (-0,31 %)

- Palantir $PLTR (+1,33 %)

- JP Morgan $JPM (+1,14 %)

All of these companies are apparently involved with Bitcoin.

There are more and more strategy imitators. More and more companies are dedicating their entire business model to buying as much BTC as possible.

The funding rate is at bear market levels, which indicates a healthy, sustainable increase. There are no over-leveraged long trades in the market.

There is less and less BTC on the exchanges. The stock on the exchanges has been falling continuously for 5 years. BTC is not only being bought, it is being withdrawn from the exchanges. The supply is therefore falling continuously.

And while all this is going on, interest in Bitcoin is absolutely low, as can be seen from Google Trends.

It's interesting to see the direction in which this is all developing. What do you think?

AHEAD: Starting next month, my Instagram monthly recaps will only show the most important facts and figures on the slides of the Instagram post. The detailed text version will appear here on getquin. This makes it easier to absorb the information and makes the Instagram posts clearer.

I will divide the monthly review into a portfolio update and a review for private finances. I could also create a separate review for dividends and reinvestments. My aim is to motivate people to take responsibility for their own finances and to build up their wealth. The whole thing is based on my experience reports from my personal everyday financial life, tailored to the respective target group for each sub-post. Let's see how well I succeed.

Here is the last All-In-One post.

While many have continued to panic about Trump, I think I have understood that the whole tariff issue is only intended to depress the markets so that the USA can refinance itself at much lower interest rates when a good USD 7 trillion of the USD 36 trillion of national debt matures this year. That's why I preferred to keep on hiking, while the portfolio rewarded me with plenty of dividends for the month.

I present the following points for the past month of April 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ AFTER-PURCHASES

➡️ CASHBACK

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

So the second of April was the aforementioned day of liberation. And it was indeed one, the day of liberation from the excessive overvaluations in US equities. Unfortunately, there was also other collateral damage, but in the end there will be none, as it is all just book losses.

The trap in the US government budget that I would like to briefly point out is the national debt to GDP ratio of 123%, as of March 2025. In Germany, it is around 63%. This is stiflingly high and means that economic output is not enough to keep the national debt in check! Therefore new new "money" has to be printed for refinancing. And this money reaches us through asset price inflation. The illustration is, of course, highly simplified, but that is why we invest.

A look at my portfolio shows me that my individual shares $NFLX (+0,56 %) my previous class leader $AVGO (+3,41 %) has at least just caught up in terms of performance. Nevertheless, Broadcom remains the largest position in terms of volume. Who knows for how much longer?

Netflix's performance has recovered to +184%, Broadcom's is +182%. I'm watching the spectacle, but I'm letting the savings plans continue. Nothing more will be done here, as Beate Sander once said: the horses stay in the stable. Behind the two draught horses $WMT (+0,81 %) 3rd place in terms of volume and $SAP (+1,37 %) in 3rd place in terms of performance with +110%. In the last review, I reported that the waste disposal service provider $RSG (+0,58 %) had risen steadily. It is now losing a few places again, but rising $V (+0,6 %) and $MA (+1,07 %) are rising together and both are already knocking on the door of the top 5 from the outside. The performance of both is similar and decent with +44%/+42%.

As always, the last places in the main stock portfolio are occupied by the same suspects. $NKE (+1,75 %) , $TGT (+3,26 %) and $HTGC (+1,15 %) are the smallest positions. In terms of performance, Nike and Target are the worst performers at -40%.$DHR (+2,19 %) as well. But that leaves me cold. In the current macro situation, this is hardly to be expected otherwise. The "neighbor indicator" fits, because most of the shoes on their doorstep (larger family) are Nike shoes. I'm thinking about adjusting my savings plans so that these values receive a higher proportion of my net salary.

➡️ ETFs

The impact of Trump's tariff policy was also clearly felt in the prices of my ETFs in April, leading to significant losses. It is important to remain calm in such volatile times and continue to invest strategically. Such phases are part and parcel of long-term asset accumulation.

➡️ Distributions

In April, I was pleased to receive 19 distributions on 8 payout days. This additional income stream is a valuable addition to my normal earned income, for which I am very grateful. I recommend everyone to build up this kind of additional income in order to become more financially independent from their traditional main job.

Traditionally, April is not a low-distribution month for me. This time, however, the distributions from my three large ETFs were not paid out at the end of March but in April, which distorted the distributions for both months. This effect made April the second-highest distribution month since I started investing. Otherwise, April is always slightly below the distributions of March.

➡️ Additional purchases

From the refunds below, I bought two one-off savings plans on the $GGRP (+0,26 %) and $JEGP (+0,02 %) executed. I would have liked to buy more, but I still don't want to touch the nest egg or reserves.

➡️ Cashback

In April, I received a cashback on my electricity bill and a travel allowance from my employer. Part of this was used to pre-finance future expenses and to top up sinking funds, while the other part was invested in an old portfolio via the aforementioned one-off savings plans.

➡️ P2P loans

With Mintos, there were no interest or redemption payments. I always withdraw incoming funds with availability. How are you doing with P2P? Are you also withdrawing from the investment?

➡️ Crypto

April was also a very volatile month for crypto investors. The unrest caused by Trump's tariff policy depressed crypto prices, similar to March. However, prices gradually recovered, indicating that the money supply is already increasing again. This is happening through new debt being purchased in the form of government bonds by the FED, which is essentially the equivalent of 'printing' money. Historically, the $BTC (+0,04 %) usually follows this development with a delay of just over 10 weeks, as it is strongly correlated to the money supply at 90%.

I am following the whole thing with interest. My preferred theory of cryptocycles still fits in with the current trend. We are moving back towards 100K and I expect a bullish crossover in Bitcoin. The limit orders are still in the market, even if it will be a long time before they trigger. Of course, I hope that the "normal" bear market will then resume. In a few months' time, we will know whether we will have seen another clear double top in the current bull market.

Here are two key figures from my crypto wallets: monthly performance: +5.5%, performance since the beginning: +56%.

➡️ And what else?

I'm continuing to delve deeper into the use of LLMs and am currently working on my prompting technique. The posts on my Instagram channel that I have published since March have been created with the help of AI, I have used AI to give me ideas for image generation, to have them created naturally and many of the quotes are also AI-generated. I use several LLMs and see significant differences in the outputs. This makes it more diverse and even allows me to merge multiple results. The models are also learning my writing style better and better, with longer generated texts you can still clearly read the generic, but I myself understand better and better how I can use the new technology to improve my productivity instead of letting it replace me. This also applies to my job.

As in the previous month, I am also focusing much more intensively on the topic of nutrition. I avoid added sugar as much as possible. So there was no chocolate bunny for me at Easter and I'm not hungry for chocolate or other sweets. That's a real miracle.

I've also increased my weekly exercise routine once again and am paying close attention to how my body is coping. Instead of two weight training sessions at home, I now do three, instead of three running sessions a week I do a lot and every morning I do some general fitness/cardio and core exercises for my stomach to warm up. The clear aim is to continue building muscle and strengthening my heart health. And I enjoy it, even though the temperature in my apartment has already risen towards 25° Celsius on some days.

I've been hiking twice in Saxon Switzerland, once just under and once over 30 km. On hiking days, I like to leave at 4 a.m. on the first Saxonia Express train. In the fall and early spring, this is even the perfect time to enjoy the sunrise on the sandstone cliffs. For me personally, this is pure healing for the soul and a real quality of life. I can enjoy it without depressing thoughts in my head because I know that my finances are in order and running on autopilot.

➡️ Outlook

May will be a no-spend month for me, simply because I feel like taking on the next challenge. Later in the year, I want to start a Hartz IV/citizen's allowance experiment. I should be able to do this most of the time, as my expenses in March and April were both under €1,000. I'm already looking forward to the evaluation at the end of the challenge.

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

$V (+0,6 %) unfortunately behind a paywall, but sounds interesting... anyone have access? What's it about?

https://www.handelsblatt.com/technik/ki/onlinehandel-visa-fuehrt-kreditkarten-fuer-kuenstliche-intelligenz-ein/100124639.html

It's probably time to look back at the last month and the launch of my own ETF.

This first monthly update is still boring, but should provide the basis for the following ones.

Benchmark comparison with the MSCI World looks positive for the few stocks:

As only a few stocks are currently included, and $AMZN (-0,2 %) The MSCI World is the largest position at 31.95%, so this is of course not yet meaningful.

Allocation by region is as follows. The aim is to get below 70% US exposure in the long term.

You can see what my current savings plans and valuations look like in the picture. These will also be executed tomorrow. $NOVO B (-1,83 %)
$ASML (+0,64 %)
$V (+0,6 %)
$MELI (+1,07 %) will therefore be added to the portfolio.

Dividends received April 2025:

A YouTube video is not yet available for this portfolio update. However, the first analysis video will be available the day after tomorrow ($AMZN (-0,2 %) ).

Feel free to write what you would like to see in future (real) updates and, of course, how your portfolio performed.