Unilever - go or hold?

Tenbagger2024@Tenbagger2024

3Semana

@Tenbagger2024 Would you sell them immediately?

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3Semana

@wasi
I don't want to talk you into it.
But $KRI would have performed better in 1 year than Unilever in 10 years.
And I think there are also better stocks than Pfizer in the pharmaceutical sector

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Mhrk@Mhrk

3Semana

Unilever $ULVR best stock existing if you ask me. For dividend purpuse”

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3Semana

@Mhrk not even in my portfolio...

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Mhrk@Mhrk

3Semana

@wasi for me it is🤷🏼‍♂️

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Nuqqx@Nuqqx

2Semana

Definitely keep it, Unilever is a classic SWAN (Sleep Well at Night) share and such consumer players belong in every portfolio.
I have around 200 shares and I hardly ever look at the position, there are slight fluctuations, at €60 there are partial sales and the savings plan continues and you don't need to worry about the dividends either.

When the next super crash comes, you'll be grateful for shares like these

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2Semana

@Nuqqx That was also one of the reasons for buying, but unfortunately it has been treading water for too long, without dividends it is virtually a zero trade. I am also invested in other boring stocks, e.g. $BATS
They also let me sleep peacefully, the dividend is higher and the book profit is over 47%. Btw I have now sold 50% and shifted into $BTC and $PNG.

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Nuqqx@Nuqqx

2Semana

@wasi well it always depends on the entry point, I made a big entry at Unilever in 2020 at around € 43 and have been running a savings plan since then, so I am significantly better in the plus and that doesn't even include the dividends

but everyone finds their way, $ULVR is the rock in the surf in my portfolio - $BATS is just as solid, I just can't get to grips with the tobacco business like that

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Sebastian@Baisse-Jumper

3Semana

The question is, what purpose do the two stocks serve in your portfolio? You probably didn't include them as yield drivers. 😉

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3Semana

@Baisse-Jumper Probably like any other portfolio, mainly dividends + growth. Unfortunately, it is limited to dividends. $KO and $BATS were bought for the same purpose, but they are also growing. That's why I'm undecided. I still have +25 years to invest

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Sebastian@Baisse-Jumper

3Semana

@wasi So without having the aforementioned crystal ball: If you have other stocks in mind that you think have more potential (share price plus divi), then I wouldn't hesitate too long. $ULVR probably has a little more potential than $PFE. For me, however, neither would necessarily be the first or second choice for dividend stocks, as the price potential and / or dividend growth are too low.

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Smudo@Smudeo

3Semana

What to buy as an alternative? If the two shares are good for you, leave them as dividend stocks. I only bought Pfizer after 2025 😃

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3Semana

@Smudeo Alternatively, top up $BTC and $RKLB or buy $PNG for the first time - or something completely different that I don't have on my radar yet.
Pfizer is not as "important" to me as Unilever for the time being, as I think the EK is good and pharma should come back slowly.

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3Semana

Sell and $CCEP if you want to stay in the sector.
If you want me to explain it in detail, let me know.

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3Semana

@Investor-College I'm happy to give you the information. I have the $CCEP in my portfolio myself (and have already supplied parts for it), bought at the time because it was valued much more favorably than the original $KO share.
Greetings 👋🏻

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3Semana

@CuriousBrewery
Gladly, here is my reasoning:

I apply clear criteria when selecting dividend stocks. If it is fulfilled, I award points. These are my criteria:

1. payout ratio (POR) --> <75% (Durchschnitt über drei Jahre hinweg; 1 Punkt)
2. Verschuldungsgrad --> <200% (Durchschnitt über drei Jahre hinweg; 1 Punkt)
3. Dividendenwachstumsrate (Dividend Growth Rate DGR) —> >=7% over 1, 3, 5,10 years on average; up to 4 points; the inflation adjustment should ideally already be included in the DGR)
4. return on sales --> >5% (average over 3 years; 1 point)
5. equity ratio --> >=30% (average over 3 years; 1 point)
6. return on equity (RoE) --> >=15% (average over 3 years; 1 point)
7. price-cash-flow-ratio (P/FCF) --> <20 (1 Punkt)
8. Free Cash Flow Marge (Free Cashflow Margin;FCM) -->between 5% and 30% (average over 3 years; 1 point))
9. Annual earnings growth --> 8%-12% (average over 5 years; 1 point)

This makes a maximum total of 12 points that a share can achieve here.

In addition, the total return (price gain+dividend) is also taken into account in my evaluation; it should be >10% over 1, 3, 5 and 10 years (maximum 4 achievable points).

This makes a maximum total of 16 possible points.

And $CCEP scores an impressive 16 out of 16 points. I know of few other values that achieve this. Everything fits.
And in comparison, $KO "only" scores 9 points.
So it's not difficult for me to choose here.

In the "Industrial" sector, I would mention $SNA, which also scores 16 out of 16 points.

I could now explain why I am applying these criteria, but I think they speak for themselves.

Comprehensible?

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3Semana

@Investor-College top explanation 🤝🏻 thanks for the added value 👍🏻

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3Semana

@CuriousBrewery Gladly.
A little more background information:
In order to be well diversified, I invest in all 11 sectors (according to GICS) and select three to five stocks per sector with the highest possible score.
Each sector has a different percentage share of the total investment. To determine the percentages, I used the historical performance of the individual sectors.
I feel comfortable with this and have a crystal-clear investment strategy. For me, the goal is to close my pension gap (which I have already managed to do). Ultimately, I want to have the same amount of money available every month in retirement as I do today. That's why I have a portfolio of dividend shares.

However, I also have my "playground" where I invest in growth stocks (the profits from which are then used to expand the dividend portfolio).

And finally an ETF portfolio as a stabilizer.

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3Semana

@Investor-College the points are awarded according to criteria you set yourself or by a model? I would be interested to know how to get more information on such scoring methods - e.g. books etc 😊

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3Semana

@CuriousBrewery Yes, building up knowledge is ultimately the be-all and end-all. You should think for yourself and pursue a strategy that suits you and that you feel comfortable with.
For me, it's the incentive not to have to cut back on my monthly disposable income when I retire. What's more, I could even retire earlier and accept a 14.4% reduction in my state pension. Let's see...

In my opinion, the above criteria describe companies with high stability and healthy growth very well. I have also summarized this in detail and explained why this is the case.
However, finding companies that meet all the criteria is the exception (I mentioned two).

To find suitable stocks in the individual sectors, I have built a tool (screener) in Google Sheet. The data provider is wisesheets.io, so the whole process is more or less automated.
It works really well. Maybe I can give you an insight.

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3Semana

@Investor-College would be cool 🙏🏻😎

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3Semana

@CuriousBrewery We'd almost have to do it privately via video chat, I think. Or do you see another possibility?

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3Semana

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