Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)

Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!

Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)

#etfs
$VHYL (-0,58 %)
$FUSD (-1,38 %)
$D6RM (-0,54 %)

#stock
$TSLA (-4,32 %)
$GOOGL (-2,28 %)
$MS (-1,6 %)
$CS (+0,45 %)
$NOVO B (+5,32 %)
$ASML (-0,72 %)
$MUV2 (-0,6 %)
$CNQ (-0,99 %)
$GGG (-1 %)
$MC (+0,4 %)
$DHL (+0,55 %)
$TKA (+0,24 %)
$RIO (-0,51 %)
$ADBE (-2,14 %)
$MPW (-2,1 %)

#stock
$BICO (-4,29 %)
$9866 (+2,04 %)
$SVA
$TECO (-67,57 %) (Insolvency filed)

#edelmetalle
$965515 (-0,13 %)

#krypto
$BTC (+0,76 %)
$ETH (+4,54 %)
$ADA (+1,98 %)
$FET (+5,85 %)
$BNB (+3,81 %)
$CAKE (+5,51 %)
$AXS (+1,87 %)

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

• Business economist for financial services (until January 2025)
• Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0,54 %) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,44 %) and $SHA) and commodities ($965515 (-0,13 %)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (-0,58 %) and the $FUSD (-1,38 %) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

• At least 30 % share price growth in the last 5 years.
• At least 10 years dividend history.
• 
  Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (-1,6 %) / $GGG (-1 %) / $CS (+0,45 %) / $ASML (-0,72 %) / $MUV2 (-0,6 %) / $CNQ (-0,99 %) / $MC (+0,4 %) / $TKA (+0,24 %) / $DHL (+0,55 %)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0,76 %) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

My #boersengehandelteralltag

At 5:30 a.m. the alarm clock of my $AAPL (+0,26 %) iPhone wakes me from sleep, thank $VER (+0,5 %) thank it that it is also light in the house. Nothing works without electricity.

The first way leads to the bathroom where, besides water, I only find products from $ULVR (+0,79 %)
$PG (+2,23 %) and $BEI (+0,37 %) to my skin. A praise to the $OMV (-0,15 %) - without fuels it would be quite cool in the house. Thanks to Biotherm Brick from $WIE (-1,63 %) the heat also stays where it should be.

While the hot coffee from $NESN (+4,08 %) unfolds its aroma, I quickly check all accounts and deposits that I have all at Easybank, a brand of the $BG (+1,34 %) . Since I am not the only one in the family, whose $V (-0,16 %)
$MA (-0,3 %) and cell phone contract from $TKA (+0,24 %) run on my account, a daily balance check is not a disadvantage😉

Should not grad be one of my 3 home office days of the week, then I jet with my car from $VOW3 (+1,32 %) built over perfect roads from $STR (-1,35 %) to the office 50km away.

In the office as well as in the home office I sometimes start the notebook from $HPQ (-0,12 %) Thanks to docking station, flat screen and Co we are well equipped everywhere. If something is missing, I can choose from a wide range of products thanks to webshop integration in our $SAP (-1,87 %) Procurement Suite, I can choose from a wide range of products from $HPQ (-0,12 %)
$BC8 (-0,42 %) and $AMZN (-2,39 %) order what I need.

Once the systems are up and running, communication takes place via all the channels that the $MSFT (-1,57 %) office package offers. It can also be exhausting when, in parallel to MS Teams video calls, the flood of chats and e-mails bursts upon you... "follow the sun" there are always colleagues active somewhere.

Through cloud solutions from $AMZN (-2,39 %) and $GOOG (-2,32 %) access to all documents is possible at any time. A curse and a blessing at the same time - such a short blackout in between would also be something. After 8-12 hours, depending on how the day goes, it's off home, or just down to the kitchen.

When I then see my 3 girls, I ask myself why I'm not all-in at $ZAL (-1,25 %)
$YOU (+0,15 %)
$ADS (-0,81 %)
$NKE (-0,48 %) and Co? How much do you actually have to buy to be entitled to a supervisory board position?😵

Now I would like to conclude by thanking my wife, who today at breakfast promised me her full support in my WM blockade, we will now on all game days Christmas movies on $NFLX (-1,73 %) watch (Insider Tip - All-in $NFLX (-1,73 %)
-no investment advice - the author is not invested - rather subscribed).

So that's it from me. And now off to the mountains to enjoy the beautiful November weather...

PS: since we have quite strict social media guidelines, I do not mention my employer. I myself am or was once an engineer for electronics and then drifted in the direction of purchasing. After many interesting years in strategic purchasing in industry and automotive, I am now still responsible for this area in a supporting capacity. I am responsible for all processes in the source-to-pay area, including the further development of the associated system landscape. Through my work in purchasing I got to know the joy of company analyses, so the way to the stock exchange was not far away.