I have parted company with McDoof and am now layering in $ALV (+1,74 %) and $IWDA (+1,89 %) around.

$INVE B (+3,04 %) 22,16€

$ALV (+1,74 %) 289,30€

$NVDA (+2,98 %) 75,35€

$NOVO B (-1,13 %) 53,03€

$UBU7 (+2,07 %) 72,74€

$AMZN (+2,19 %) 144,90€

I'm curious whether it will be even cheaper or only ex-dividend 😉

I have €5,000 at my disposal and wanted to ask how I can invest it well. Do you recommend individual shares or ETFs?

Right now it's worth taking a look as many shares are down again from their overvalued levels.

What do you think? Continue to watch or trade?

$NVDA (+2,98 %)
$NOVO B (-1,13 %)
$AMZN (+2,19 %)
$AAPL (+2,02 %)
$GOOGL (+1,78 %)
$MSFT (+0,53 %)
$RHM (+4,64 %)
$ALV (+1,74 %)
$ASML (+1,03 %)
$O (+1,26 %)
$AVGO (+3,47 %)
$IWDA (+1,89 %)
$VWRL (+1,67 %)
$BTC (+0,76 %)

Which Dax shares do you have in your portfolio?

Source: https://t.co/1KCO9l8ZsE

#dax
#dividend
#dividende
#dividends

$ADS (-0,04 %)
$AIR (+2,66 %)
$ALV (+1,74 %)
$BAS (-0,84 %)
$BAYN (+1,57 %)
$BMW (-2,88 %)
$BEI (+0,97 %)

Over the last few weeks, I have been looking at shares from a new perspective and have started to take a closer look at balance sheets and fundamental data. 🤯

Unfortunately, I still don't use a screener and have therefore only looked at the stocks that I am familiar with in some form.

In view of the tradable shares on the global market, this is certainly a big mistake and I have some catching up to do. Nevertheless, I would like to share some of my findings with you.

I have created two lists for this purpose.

On the lists you will find stocks that in my opinion have excellent fundamental quality characteristics.

The first list contains the absolute quality companies, some of which have already proven themselves over many years, and the second list contains companies that could still become such or have not yet proven themselves long enough and could therefore be a good long-term investment. The lists are neither correct nor complete and, depending on your point of view, some stocks belong on one list or the other, or perhaps not on any list at all.

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

Quality companies:

• Visa$V (+1,54 %)

Duopoly, very strong profit margin,

Risks: Google Pay/Apple Pay etc.

• Waste Management$WM (+2,19 %)

Long-term contracts, strong balance sheet, regular share buybacks

• Stryker$SYK (+2,42 %)

• Intuitive Surgical$ISRG (+1,1 %)

• Novo Nordisk$NOVO B (-1,13 %)

• Essilor Luxottica$EL (+0,42 %)

Strong moat, good growth,

Weaknesses: low return on equity

• Hershey$HSY (+2,17 %)

Solid cash flow, >50% return on equity,

Weaknesses: approx. 90 % of sales generated in the USA, trend towards healthier food

• ASML$ASML (+1,03 %)

• Alphabet$GOOGL (+1,78 %)

• Hermes$RMS (+1,47 %)

• Wal-Mart de Mexico$WALMEX* (+1,6 %)

The only retail food group I know of with a significant margin of

significant margin of >5%, stable growth and healthy balance sheet,

Growing middle class in Mexico and expansion in Central America.

Weaknesses: Mexican peso

• Lotus Bakeries$LOTB (+2,37 %)

Continuous sales and profit growth, very nice balance sheet, but a high stock valuation

high stock valuation (like the vast majority in this list)

• Ferrari$RACE (+0,49 %)

• Zoeties$ZTS (+2,39 %)

Market leader, high margin, solid cash flow, growing dividend,

• Idexx Laboratories$IDXX (+1,97 %)

Very nice growth stock with high customer loyalty, strong growth, >80%

return on equity, solid balance sheet,

• alliance$ALV (+1,74 %)

• Microsoft$MSFT (+0,53 %)

• Procter & Gamble$PG (+1 %)

• Pepsi$PEP (+0,09 %)

• Adobe$ADBE (+1,59 %)

• L'Oreal$OR (+1,32 %)

• Schneider Electric$SU (+0,73 %)

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Opportunities and future quality Company?

• Rio Tinto$RIO (-0,04 %)

• 3i$III (+2,99 %)

• Main Street Capital$MAIN (+2,45 %)

• Mutares$MUX (+4,2 %)

• Altria$MO (+0,61 %)

• Terna$TRN (+1,82 %)

• Pfizer$PFE (+0,51 %)

• Vinci$DG (+1,02 %)

• Mercadolibre$MELI (+3,53 %)

• Caterpillar$CAT (+3,1 %)

• BAE Systems$BA. (+5,21 %)

• Lululemon$LULU (+2,29 %)

• Generali$G (+2,8 %)

• Energiekontor$EKT (-0,42 %)

• Vici$VICI (+3,27 %)

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

Thanks for reading and I look forward to additions, corrections and exchanges of opinion.

Are there any of the stocks mentioned that are of particular interest to you?

Has anyone delved particularly deeply into one or other stock?

Then have a nice weekend 🥳

Why the big sale? Even my $ALV (+1,74 %) share is being punished by 5%, but Wall Street is still opening up?

2025 - A year to forget if you look at the first quarter. While things were still looking positive until around mid-February, things have been going steadily downhill since the middle or end of February.

March 2025 was the worst single month in my portfolio since 2013, with price losses of almost 10%. The negative market trend in the US and a weak US dollar naturally hurt my portfolio particularly badly.

Monthly view:

In total, March was -9,9%. This corresponds to price losses of almost 30.000€.

The MSCI World (benchmark) was -7.9% and the S&P500 -5.8% (in dollars, for euro investors it was also more like -10%).

Winners & losers:

A look at the winners and losers shows a clear picture in March:

Winners? You will look for them almost in vain this month.

In 1st and 2nd place are Deutsche Bank
$DBK (+4,66 %) and Allianz $ALV (+1,74 %) two German financial stocks with gains of around € +180 each. Northrop Grumman $NOC (+0,99 %) at +120€ is only one of 2 American stocks with a positive price performance in March.

A completely different picture on the losers' side:

1st place goes to NVIDIA $NVDA (+2,98 %) with price losses of over €4,200. It is followed by Meta $META (+2,87 %) and Palo Alto Networks
$PANW (+2,69 %) with price losses of ~€2,000 each. 4th place goes to Alphabet
$GOOG (+1,77 %) with €1,600 in share price losses. The flop 5 is then completed by a non-tech stock, namely Starbucks
$SBUX (+1,55 %) with losses of ~€1,400.

The performance-neutral movements were €500 in March - these are still lower at the moment due to the house construction issue.

current year:

In the YTD my portfolio is now also clearly in the red with -8,4%. The MSCI World is still doing better at -5.4%.

In total, my portfolio currently stands at ~260.000€. This corresponds to an absolute decline of ~€25,000 in the current year 2025. -28.000€ of this comes from exchange rate losses, slightly offset by ~900€ from dividends / interest and ~2.000€ from additional investments.

Dividend:

• Dividends in March were +8% above the previous year at ~390€
• At the top of the list Amgen
  $AMGN (+0,03 %) with meanwhile over 55€ (gross) dividend every 3 months
• In the current year, the dividends after 3 months are +15% over the first 3 months of 2025 at ~730€
• The US dollar will also have an impact on dividends this year. Example: 2,500$ at an exchange rate of 1:1 equals 2,500€. At an exchange rate of 1.08$, these 2,500$ would only be worth 2,315€, a decrease of ~185€

Buying & selling:

• I bought in March for 750€
• 460€ shares
• 190€ ETFs
• 100€ crypto
• Sales Was there no

Change of strategy?

At the moment, Donald Trump and his policies are causing a lot of scrutiny, especially with regard to the (high) US share in the portfolio.

I can understand these thoughts very well. However, I have decided not to change my strategy and to maintain my high US & tech allocation in my portfolio.

There are certainly better short-term investment opportunities (European defense stocks as an example). Through my savings plans, however, I have deliberately opted for a long-term buying strategy that I will not throw overboard every few months. In the long term, for example, 2022 was an extremely good year to buy tech stocks.

As I don't have a portfolio target for this year anyway, I'm happy to go even lower - hopefully I'll be happy about the entry prices in 2-3 years' time.

YouTube:

Unfortunately, I only uploaded 2 videos to YouTube in March. Unfortunately, work in March was extremely stressful and time-consuming, so there was little time left for this.

I have also uploaded my March portfolio update as a video there if anyone would like to see some more information on the portfolio performance: https://youtu.be/fxbvatj6uvM?si=xP_gvoEmtuqSsfz8

I'm particularly happy to receive criticism or feedback here! 😊

Goal 2025

As already mentioned in the January & February review, a fixed deposit target for this year makes little sense due to the house construction. A fixed savings rate is also difficult to implement due to the issue (unforeseen costs and the like).

A dividend target is also very difficult due to the high volatility of the US dollar.

That's why I'm focusing on other topics this year, especially building a house and possibly one or two YouTube successes.

How are things looking for you? Are you sticking to your portfolio target for 2025 or do you also see difficulties in achieving it after the first quarter?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

March is already over, daylight saving time is on and by the time you read this, it will be "liberation day". Let's see what Mr. Trump does today at noon. But that will probably be the subject of April.

For now, let's take a look back at my March 2025.

I posted a loss of 3.09% in March. With my portfolio size, this corresponds to a value of almost €4,000. The Dax (-1.72%) beat me again, but compared to the HSBC MSCI World (-7.88%) I am still doing very well.

Over the year (YTD), I lost ground to the DAX, which remained fairly stable, but at the same time I was able to extend my lead over the MSCI World. After all...

Overall, however, I am also satisfied in March. As in February, my portfolio is quite stable compared to the MSCI World. Yes, in good phases I forego profits, but I don't have so many losses now. Volatility is supposed to be a real mental challenge for some people. I'm just glad that things are a bit more subdued for me.

My high and low performers in February were (top 3):

$EOAN (+0,62 %) EON +13.45%

$UNH (+0,61 %) UnitedHealth +7.15%

$ALV (+1,74 %) Allianz +6.60%

$RACE (+0,49 %) Ferrari -12.35%

$LLY (+2,41 %) Lilly -13.04%

$MC (-0,43 %) LVMH -17.71%

Funny that UnitedHealth was the second worst performing stock in February and now the second best.

Dividends:

In March, I received a net €165.60 from a total of 22 distributions.

Compared to March 2024 (€128.38), that was an increase of 28.99%

Investments:

As I mentioned in February, I am still building up my nest egg again. This is also not yet complete.

A special payment is due in April, but this will go into the $XEON (+0,02 %) as I am saving all the special payments for the loan repayment in 5 years' time.

I have actually stopped some savings plans in order to have more money for individual purchases or to build up cash. More on this later.

Buying and selling:

There were no sales this month.

I bought Ferrari, and there is still room here until the position is full.

As I mentioned above, I stopped some savings plans. Realty, STAG, Gladstone Investment and Hercules Capital have been stopped. I would like to add to Realty again to fill the position (I'm still €300 short). The price of the others is moving sideways, so I imagine that I will be able to buy them at a later date at the same price.

Savings plans (total €175):

• Cintas ($CTAS (+1,64 %) )
• LVMH ($MC (-0,43 %) )
• Monster Beverage ($MNST (+0,33 %) )
• Microsoft ($MSFT (+0,53 %) )

Goals 2025:

My goal is to have €130,000 in my portfolio at the end of the year. The goal is to be achieved by reinvesting the dividend, making payments and, of course, increasing the share price. The share price increase is of course impossible to predict in any way, so the motto is: if the share price falls or does not rise enough, more cash is needed.

This comes from the sale of useless items on eBay, additional income from e.g. "neighborhood help", etc. The worse the share price, the more additional cash has to be raised.

Target achievement at the end of March 2025: 21.05%

So I'm on the right track (so far), although I would have needed a bit more in March to maintain the average. Well, everything is still open at the moment.

Now I'll wait and see what tariffs come in today (or not), look forward to the dividends and just wait and see. "Because doing nothing often leads to the very best of something."

How was your March? I have the latent hope that, for once, I did better in March than my usual 50% or so of the getquin community.

#washbaerreview