Depot review November 2024 - The depot is growing despite larger withdrawals 🚀

Before I continue with the second part of my investment story, I would first like to share my portfolio review for November.

The second half of November was almost quiet compared to what happened at the beginning of November. Trump was elected, triggering a veritable run on the stock markets. Germany was finally freed from the traffic lights and there were also some exciting topics in the private sphere. I sold a few shares back in October to generate the equity I needed to start building a house. This continued a little further in November.

Overall, my savings rate will also (have to) be lower over the next few months. Less into the portfolio and more into the "buffer account" for building the house. Nevertheless, around €500 per month will continue to be invested and this will be pushed up again as quickly as possible.

After selling 6 shares and an ETF in October, I sold parts of my MSCI World ETF for around €13,000.

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

Monthly view:

In total, November was +6,3%. This corresponds to price gains of ~20.000€.

The MSCI World (benchmark) was +7.3% and the S&P500 +5.1%

Winners & losers:

A look at the winners and losers is particularly exciting this month:

On the winning side with a total of almost €5,000 in price gains, my crypto investments in Bitcoin and Ethereum. This is followed by the long runner NVIDIA with price gains of just under €2,000. 4th and 5th place then goes to the cybersecurity sector with Palo Alto Networks and Crowdstrike.

On the loser side looks very quiet this month. Amgen is still the worst performer with losses of ~€600 due to a weight loss drug that failed to fully meet Wall Street's hopes. This is followed by Sartorius with share price losses of €200. Places 3-5 are then occupied by share price losses of less than €100. All in all, a month with almost no losers.

The performance-neutral movements in October amounted to just under € -6,000. Parts have already been removed here for private topics.

current year:

My performance in the current year is +29,9% and thus above my benchmark, the MSCI World with 26.9%.

In total, my portfolio currently stands at ~345.000€. This corresponds to an absolute growth of ~€93,000 in the current year 2023. ~72.000€ of this comes from price gains, ~3.300€ from dividends / interest and ~16.000€ from additional investments.

Dividend:

• Dividends in November were 21% above the previous year at ~€160
• Procter & Gamble is in the lead with a (gross) dividend of €50 every 3 months.
• In the current year, the dividends after 11 months are +25% over the first 11 months of 2023 at ~2.500€

Buying & selling:

• I bought in November for significantly reduced ~700€
• As always, my savings plans were executed:
• Blue ChipsProcter & Gamble $PG (-1,24 %) TSMC $TSM (+0,43 %) S&P Global $SPGI (+0,02 %) Alphabet $GOOGL (+0,94 %) Johnson & Johnson $JNJ (+0,03 %) Amgen $AMGN (+0,51 %) Herhey $HSY (+0,03 %) Alimentation Couche-Tard $ATD (+1,09 %) Caterpillar $CAT (+0,86 %)
• 
  GrowthBechtle $BC8 (+0,82 %)
• 
  ETFsMSCI World $XDWD (+0,24 %) Nikkei 225 $XDJP (-0,32 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,09 %)
• 
  CryptoBitcoin $BTC (-0,26 %) and Ethereum $ETH (+1,58 %)
• 
  Sales as mentioned at the beginning, there was a larger part of my MSCI World holdings in November

Target 2024 & outlook 2025:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market performance in the current year, my portfolio already stands at ~€345,000 at the end of November.

As is well known, one should not praise the day before the evening, but I am optimistic that my portfolio will not fall so far in December that I will not reach my target.

What will happen in 2025? The logical goal would of course be to reach €400,000. However, due to the upcoming house construction, part of the assets will be invested in the house construction. If I include the property in my statement of assets, the target of €400,000 would of course not change. However, as I am tracking my liquid assets here, I will probably refrain from doing so.

Therefore, my year-end target for 2025 will probably be closer to the final balance for 2024. So around €350,000 at the end of 2025.

How are things looking for you? Have you already thought about your plans for 2025?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Sale to raise equity capital

As we are about to start the house project, I have held another sale to generate equity.

Since my handyman skills are about the same as those in the GIF, personal contribution / muscle mortgage will help us very little. Therefore, the deposit has to be attacked on a smaller scale.

However, the emphasis is really on "on a smaller scale" - all in all, I'm trying to keep the equity as low as possible and take out more credit and encumber the deposit as little as possible.

There are certainly enough opinions on this and the argument that the interest expense saved represents a tax-free, risk-free return is entirely justified.

For me, it is a "yield bet". The market yield is around 10% p.a. nominal, i.e. excluding the effects of inflation. With an interest rate of just over 3% for building loans, it would be a bad deal for me to liquidate my deposit for this.

If something changes after the fixed interest rate and the interest rate on the loan is 8%, for example, you can always switch in the future.

As we all know, the accounts are settled at the end.

#etfs
#immobilien

(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 (-17,74 %) LVMH $MC (-0,25 %) Apple $AAPL (+1,34 %) Home Depot $HD (+1,1 %) Microsoft $MSFT (-1,05 %) Nike $NKE (-6,85 %) Starbucks $SBUX (-1,55 %) Stryker $SYK (+1,48 %) Texas Instruments $TXN (-0,01 %)
• 
  GrowthCrowdstrike $CRWD (+2,85 %) MercadoLibre $MELI (+2,5 %)
• 
  ETFsMSCI World $XDWD (+0,24 %) Nikkei 225 $XDJP (-0,32 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,09 %)
• 
  Crypto: Bitcoin $BTC (-0,26 %) and Ethereum $ETH (+1,58 %)
• 
  Sales as mentioned, there were some in October with Match $MTCH (+4,9 %) Pfizer $PFE (+1,49 %) Block $SQ (+1,31 %) Shopify $SHOP (+0,9 %) Atlassian $TEAM Invesco MSCI China All-shares $MCHS (-0,07 %)

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

Hello everyone, my monthly savings installment currently flows equally into the following two ETFs:

$XDWD (+0,24 %)

$TDIV (+0,29 %)

What do you think of the ETF split? Would you include another one (e.g. on the S&P500, or India, etc.) and split the savings installment or leave everything as it is? Please give reasons;)

Depot review September 2024 - The first green September in my depot since 2019 📈

September is generally regarded as the worst month on the stock market, with a negative monthly performance more than 50% of the time. This is also consistent with my experience since 2013. In 11 years, it has been negative 6 times and positive 5 times. From 2020 to 2023, the last 4 years were all negative. However, September 2024 is now the first positive September since 2019, which means it is exactly 50/50 for me - 6 positive and 6 negative Septembers since 2013.

The Fed's interest rate turnaround and the stimulus in China have certainly contributed to the positive trend

Monthly view:

In total, September was +1,2%. This corresponds to price gains of ~3.600€.

The MSCI World (benchmark) was +1.0% and the S&P500 +1.3%

Winners & losers:

A look at the winners and losers is particularly exciting this month.

On the winning side at the very top are my China ETF with € +1,300 and is thus back in the green for the first time in a long time. The following winners are also a colorful mix with Meta, Bitcoin, Home Depot and Sea. Really a very broad mix with no clear tendency towards regions, sectors or the like

On the loser side in my portfolio in September were mainly pharmaceutical stocks. Novo Nordisk, Amgen and Johnson & Johnson. Even worse, with price losses of ~€700 each, were only Palo Alto Networks and ASML.

The performance-neutral movements in September were just under €4,500. The premium refund from my private health insurance also played a large part in this. In September, I received over €2,000 back for the year 2023, which was of course invested directly to compensate for any higher pension contributions.

Current year:

My performance in the current year is +20,4% and thus above my benchmark, the MSCI World with 17.2%.

In total, my portfolio currently stands at ~321.000€. This corresponds to an absolute growth of ~€69,000 in the current year 2023. ~49.000€ of this comes from price increases, ~2.800€ from dividends / interest and ~17.000€ from additional investments.

Dividend:

• Dividends in September were 23% above the previous year at ~€360
• Amgen is in the lead with a (gross) dividend of €50 every 3 months. But Johnson & Johnson with €45 is also a delight
• In the current year, the dividends after 9 months are +25% over the first 9 months of 2023 at ~2.210€

Buys & sells:

• I bought in September for approx. 3,500€. 2,100 of this came from the premium refund from my private health insurance and went into the WisdomTree Global Quality Dividend Growth
• As always, my savings plans were executed:
• Blue ChipsLockheed Martin $LMT (+0,94 %) Republic Services $RSG (-1,09 %) Thermo Fisher $TMO (+0,81 %) ASML $ASML (-1,59 %) MasterCard $MA (-0,34 %) Deere $DE (+0,19 %) Northrop Grumman $NOC (-0,09 %) Itochu $8001 (-0,17 %) Salesforce $CRM (+0,69 %) Hermes $RMS (+0,75 %) Constellation Software $CSU (+0 %)
• 
  Growth: -
• ETFsMSCI World $XDWD (+0,24 %) Nikkei 225 $XDJP (-0,32 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,09 %)
• 
  Crypto: Bitcoin $BTC (-0,26 %) and Ethereum $ETH (+1,58 %)
• 
  Sales there were none in September

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 currently stands at ~€321,000.

At the beginning of September, my portfolio was still quite a bit lower at €304,000 due to the weak start to the month. At this point, it was therefore quite a way off the previous high of €320,000 in June.

I have now reached a new high of €321,000 and am optimistic that I can still beat my year-end target of €300,000.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Simplify your portfolio?

Hi, I have been moving my main ETF from the $XDWD (+0,24 %) to the $VWCE (+0,17 %) MSCI.

As the market wasn't doing so well at the time, I decided to hold the MSCI for the time being until I get a bit more return.

Do you think I should let both run or should I switch the $XDWD (+0,24 %) into the $VWCE (+0,17 %) put it in the

Greetings and have a nice WE ❄️

Depot review August 2024 - calm before the (September) storm?

While September has lived up to its name so far (worst month on the stock market, negative in more than 50% of cases), August was a boring month in my portfolio. In keeping with the vacation season, my portfolio also shifted down a gear.

Monthly view:

In total, August was +0,5%. This corresponds to price losses of ~1.400€.

This was therefore unable to fully make up for the losses from the previous month of July (-2.2%).

Winners & losers:

There was therefore not much going on on the winners' and losers' side in August.

On the winning side are MercadoLibre and Palo Alto Networks at the top with ~€1,000 each. They are followed by Starbucks, Crowdstrike and Meta.

On the loser side are the crypto assets in my portfolio in August. Ethereum at the top with price losses of €1,500, Bitcoin in 3rd place with €900. Alphabet with ~€1,000 in price losses.

The performance-neutral movements in August were just under €4,000, after being somewhat lower in the previous months due to private issues.

However, only just under €1,400 of this went into shares, the rest is cash.

Current year:

My performance in the current year is +15,3% and thus still slightly above my benchmark, the MSCI World at 14.2%. Even if the gap is slowly narrowing.

In total, my portfolio currently stands at ~312.000€. This corresponds to an absolute growth of ~€60,000 in the current year 2023. ~44.000€ of this comes from price gains, ~2.400€ from dividends / interest and ~13.000€ from additional investments.

Dividend:

• Dividends in August were 24% above the previous year at ~€160
• Procter & Gamble is in the lead with almost €50 (gross) dividends every 3 months
• In the current year, dividends after 7 months are +24% over the first 8 months of 2023 at ~1.840€

Buys & sells:

• I bought in August for approx. 1.400€
• As always, my savings plans were executed:
• Blue chipsTSMC $TSM (+0,43 %) S&P Global $SPGI (+0,02 %) Procter & Gamble $PG (-1,24 %) Johnson & Johnson $JNJ (+0,03 %) Hershey $HSY (+0,03 %) Caterpillar $CAT (+0,86 %) Amgen $AMGN (+0,51 %) Alphabet $GOOG (+1,03 %) Alimentation Couche-Tard $ATD (+1,09 %)
• 
  GrowthBechtle $BC8 (+0,82 %) Synopsys $SNPS (-1,06 %)
• 
  ETFsMSCI World $XDWD (+0,24 %) Nikkei 225 $XDJP (-0,32 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,09 %)
• 
  CryptoBitcoin $BTC (-0,26 %) and Ethereum $ETH (+1,58 %)
• 
  Sales there were none in August

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market performance this year, my portfolio currently stands at ~€312,000.

However, after the first few days of trading in September, my portfolio only stands at €304,000. Compared to the level of €320,000 at the end of June, this is now a significant decline in total assets.

It therefore remains exciting to see how the share price will develop in the last third of the year. However, if we see a year-end rally after a weak September, I am optimistic about my target.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Hello everyone. Here is my portfolio with absolute values.

What do you think? Any ideas? Suggestions for improvement?

This is what I had in mind when setting up the portfolio:

Strategy: 75% growth stocks. 25% dividend stocks (up to max. 2k/year).

For the dividend stocks, I have selected stocks in which I see good growth potential over the next 5-10 years:

• $D05 (+0,1 %)
• $VICI (-0,32 %) (interest rate turnaround?, and for diversification)
• $O (+1,22 %) (Interest rate turnaround?, and for diversification)
• $BATS (-0,24 %) (Yes, it's debatable, but compared to Altria or PM I see potential here)
• $KO (-0,4 %) (Was my 1st stock and I just like it :D)

The growth stocks are I think self-explanatory, although I probably $BABA (-2,95 %) and $1810 (+2,98 %) will add a bit more to lower the EK.

Due to the strong performance of stocks like Amazon, MS and Goolge, I have favored them over the ETF for the last 3 years.

In the future I wanted to skim the profits and invest in the $XDWD (+0,24 %) (70%) and the $TDIV (+0,29 %) (30%). Currently, all other funds are flowing into this ETF + 10% of it into BTC.

Savings plan 500EUR /month:

$XDWD (+0,24 %) 70%

$TDIV (+0,29 %) 30%

Unfortunately, the total return is somewhat misrepresented as I no longer have the history since the portfolio transfer. All in all, I have deposited around 40-45k ;)

I am 31 and have been actively involved in the stock market for about 5 years. Before that I only played with sample portfolios and small amounts. The history is not shown here :P

Regards

P.

PS: AFC and European Lithium are reminders to myself ;)

MSCI World in $VWRL (+0,18 %) rebalance?

Hello everyone,

I am considering (to reduce risk) switching my positions (approx. 900€) from the MSCI World $XDWD (+0,24 %) into the FTSE All World $VWRL (+0,18 %) to the FTSE All World.

Do you think this is worthwhile? $VWRL (+0,18 %) The FTSE All World has significantly more positions but "only" about 10% less American weighting...

Would you just leave it as it is or switch to the All World?

Have a nice evening 📈