July 2026 Review

📊 Performance & Markets

🏆 Hot Factor Favorite: $NVDA (-0,56 %)

👑 King Midas Factor: $CRM (+0,9 %)

💶 1 Swiss franc traded at 1.06 euros.

₿ Crypto & Alternative Investments

Crypto savings plans are underway

There were no new purchases or sales at Timeless; Timeless is now planning to launch a tradable product for the general public. There’s also no news regarding NFTs and music rights.

🍷 Winery

No news.

📈 Individual Stocks, ETFs & Savings Plans

🟢 Buy: Individual stocks on hold until November

🔴 Sale: $SHL (+1,48 %)
, $BAS (-0,53 %)

🏅 Top of the Month: $BTO (+3,12 %)

📉 Flop of the Month: $LIFT (+0 %)

🚀 Crowdcube & Startups

I’m thinking about buying shares in Lemonaid through the GLS Crowd platform.

🧠 Nao

My savings plans are still on track.

🌴 Personal Recap

I actually won some travel credit in the CHECK24 prediction game and a 10-franc gift card from Kickstr. Unfortunately, starting with the quarterfinals, practically all my predictions were wrong.

I still don’t have a new smartphone, and the special payment hasn’t been made yet either.

Berlin, on the other hand, was absolutely amazing—the Finch concert was truly a world of its own.

Right now, I’m thinking about placing a bet on the price of coffee. I’m also very happy that my $NA9 (-1,52 %) stock is being acquired.

I went to a rum and meat tasting with a very good friend. It was incredibly delicious, and with the heat, the rum really went to my head.

Through an acquaintance I met there, I learned that the owner isn’t averse to investments. That’s why I had the idea to combine a finance get-together with a tasting. Would you book something like that?

To my great delight, I’m getting a refund of about €11,000 from the tax office. I haven’t decided yet what I’ll do with it or how I’ll use the money, though.

Unitplus is going as planned.

🎙️ Podcast Season 3, Episode 1 has launched. Topic: Financial Goals.

🔮 Outlook for August

Various events at work. Family visiting. Another 10 days of vacation starting at the end of August

How about you? How was your July?

If you’d like to learn more, feel free to follow me. And if you don’t like my investments: The block feature still works great. 😄

📊 Performance & Markets

At the midpoint of the year, I'm still well below my annual goal.

🏆 Hot Pick: Nvidia

👑 King Midas Factor: Agnico Eagle

💶 1 Swiss franc was trading at 1.09 euros.

₿ Crypto & Alternative Investments

My $BTC (+0,2 %) was approaching my average. That’s why I sold my entire position and then rebuilt it at a lower price.

There were no new buys or sells in Timeless. There’s also no news regarding NFTs and music rights.

🍷 Winery: No news.

📈 Individual Stocks, ETFs & Savings Plans

🟢 Buy: $PAH3 (+1,74 %)

🔴 Sale: $SBUX (-2,23 %)

🏅 Top of the Month: $NA9 (-1,52 %)

📉 Flop of the Month: $CWR (+1,98 %)

🚀 Crowdcube & Startups: No news.

🧠 Nao: The savings plans are still ongoing.

🌴 Personal Recap

First, I had to take the car in for its inspection again. After that, I spent two weeks at the North Sea and then three days in Hamburg. If my commute weren’t so long, Hamburg would definitely be my adopted home.

I also finally switched my cell phone plan—10 euros a month feels a lot better than 30 euros.

Today, I also received my employer’s mobility allowance for the first time, amounting to 282 Swiss francs per year was approved.

With the start of the World Cup, I’m back to playing prediction games—this time via Check24 and in the Bitcoin community on Kickstr.

🎧 Interest Rates, Podcasts & Real Estate

After the ECB raised interest rates, I parted ways with Vivid. The higher interest rates weren’t passed on to customers, and the premium plan is personally too expensive for me.

Having everything with Trade Republic would be easy, but I’d also like a debit card with cashback and a bit more flexibility. That’s why I’m now testing the ZinsPlus account from Unitplus, which currently invests in the Easy € Overnight (BNP Overnight, LU3025345516) and is currently paying 2.58% + cashback. Downside: fee

🎙️ Podcast is in Season 3, Episode 1 . Topic: Financial Goals.

🏠 I’m still saving diligently for the special payment on my mortgage in 2026.

🔮 July Outlook

Tomorrow I’m heading to Berlin for the Finch concert. I actually wanted to stop by the getquin headquarters too, but I heard it’s usually pretty quiet there on Fridays. 😄

In July, all my insurance premiums and the vehicle tax will be debited. I also have a new smartphone on my shopping list.

On July 18, I’ll finally be heading back to the stadium: FC Basel vs. Juventus.

Between August and October, my stock investments will take a planned summer break.

What about you? How was your June?

If you’d like to learn more, feel free to follow me. And if you don’t like my investments: The block feature works😄

#juni25

📉 June performance: -0,69%

🎯 Annual target: +15%

📈 Current IPQ: 113,3

🔥 Hot factor favorite: BYD

👑 King Midas Factor: Nexus

🤖 Robo-Advisor overall performance: +25,04%

💶 1 CHF = 1.06 EUR

Crypto

🔁 Slight adjustments & partial sales

Timeless, NFTs & music rights

⛔ Timeless: No shares in June

❌ NFTs: No news

🎼 Music rights (GlobalRockstars): No new purchases

Winery

🍷 No news

Individual shares, ETFs & savings plans

💸 Savings plans: No changes

📈 Individual shares:

Joined Nagarro through Allgeier at the time - I have since bought back two thirds of my original position.

→ Planned sale:

- Either when the price reaches € 97

- Or after one year according to the magic stock market formula evaluate

Crowdcube / Start-ups

📞 Next week there will be a call with a local start-up

Private review - June

📬 Job/application: New application sent out for January

🌊 Vacation: Two relaxing weeks at the North Sea - the kebab still costs €4.50 there 😄

Interest rates, podcast & real estate

🏦 Vivid: No news

🎙 Podcast: Season 3, Episode 1 - "Financial goals" is online

🏠 Property: New furniture + air conditioning installed

July outlook

🛑 Depot: No individual share purchases until November

🚆 Trip: Going to Cologne at the end of the month

✨ And otherwise: Let's see what life brings!

And how was your June?

👋 If you don't like my investments, feel free to use the block function.

👍 Anyone who celebrates my thoughts is welcome to follow me.

Thanks for reading! 🙌

Hello everyone,

My current portfolio was completely reorganized after the takeover of $COP (-0,17 %) at the end/beginning of the year. I have reinvested almost all of the liquidity freed up as a result in small-mid caps. I also see further potential here in the coming years due to more flexible adaptability (with regard to the USA) and financing costs. At the beginning of the year $SESG (-1,21 %)
$NA9 (-1,52 %)
$TNIE (+1,55 %)
$KTN (-0,68 %)
$ALCRB (+1,18 %)
$DSFIR (+2,32 %) made it into my portfolio. Today, I swapped the pipe burner $P911 (+0,56 %) in $MUM (+1,68 %) . My next idea would be $SIX2 (+1,41 %) I would like to hear what else you have on your watchlist in this segment.

Greetings

Micha

Summary Earnings, 14.11. 👇🏼

Siemens AG Q4 24 Earnings: $SIE (+2,7 %)

- Orders At 22.93Bln Euros (est 21.36 Bln Euros)

- Revenue Rising 1% To 20.81 Bln Euros (est 20.77 Bln Euros)

- Profit 3.12 Bln Euros (est 3.0 Bln Euros)

- Net Income Of 1.90 Bln Euros (est 1.80 Bln Euros)

Swiss Re Q3 24 Earnings: $SREN (+1,34 %)

- Net Income Of $2.2 Billion For The First Nine Months Of 2024

- 9m Return On Investments (ROI) Of 3.9%; Recurring Income Yield Of 4.0%

- Return On Equity (ROE) Of 13.4% For First Nine Months Of Year

- Still Expects To Achieve A Group Net Income Of More Than $3 Billion For 2024

- Currently Expects Losses Resulting From Hurricane Milton To Be Less Than $300 Mln, Which Will Impact Group Results In Q4 2024

E.ON SE 9M 24 Earnings: $EOAN (+0,41 %)

- Adj EBIT EU4.37B, -23% (Y/Y)

- Sales EU56.28B, -19% (Y/Y)

- Still Sees FY Adj EBITDA EU8.8B To EU9B, (est EU8.94B)

- Still Sees FY Adj Net EU2.8B To EU3B (est 2.92B)

Deutsche Telekom AG Q3 24 Earnings: $DTE (-7,51 %)

- Net Income EUR 2.957B (est EUR 2.396B)

- Adjusted EBITDA AL EU11.10B (est 11.05B)

- Rev EU28.50B (est 28.39B)

- Sees FY Adj EBITDA Al About EU43B

ASML is sticking to its long-term goals and plans to increase sales to between 44 and 60 billion euros by 2030, with a gross margin of 56 to 60 percent. Despite the current difficult market conditions, ASML CEO Christophe Fouquet sees promising long-term prospects for the semiconductor industry, especially due to the AI trend. $ASML (+0,68 %)

Talanx expects a record profit of over 1.9 billion euros for 2024 and a surplus of over 2.1 billion euros for 2025. The profit increase will be supported by primary insurance and new targets are to be presented at the Capital Markets Day on December 11. $TLX (+0,59 %)

Nagarro increased sales by 3.7 percent to 242.9 million euros in the third quarter and adjusted EBITDA by a good eight percent to 34.6 million euros. The company is adjusting its revenue forecast for 2024 to 960 million euros and expects an EBITDA margin of over 14 percent. $NA9 (-1,52 %)

Adesso recorded an increase in turnover of 15 percent to 330 million euros in the third quarter and a 37 percent rise in operating profit to 38.9 million euros. Jörg Schroeder will step down as Chief Financial Officer on April 30, 2025; his successor will be Michael Knopp from January 15, 2025. $ADN1 (+2,72 %)

Dermapharm increases turnover in the first nine months by just under three percent to 890.1 million euros, while adjusted EBITDA falls slightly to just over 240 million euros. However, consolidated net income rose to just under 93 million euros, and the Group CEO is optimistic for the final quarter. $DMP (+0,52 %)

Energiekontor sees itself on course for its annual targets after nine months with an expected pre-tax result of EUR 30 to 70 million, although the upper end of the range will not be reached due to the below-average wind year. Three projects with 79 MW have already been commissioned this year and several more projects are currently being marketed. $EKT (+0,96 %)

The financial services provider MLP increased revenue by twelve percent to EUR 746 million in the first nine months and EBIT by almost half to EUR 66 million. The company confirms its forecast for 2024 with EBIT of between EUR 85 and 95 million and expects EBIT of EUR 100 to 110 million in 2025. $MLP (+3,07 %)

GFT Technologies is again lowering its annual targets and now expects revenue growth of 10 percent to around EUR 865 million and adjusted EBIT of around EUR 77 million. Profit before taxes is expected to fall to around EUR 65 million, as the environment remains challenging and momentum in the coming months will be lower than expected. $GFT (+5,92 %)

ProSiebenSat.1 is lowering its forecast for the year due to weak TV advertising revenues and expects an adjusted operating result of less than EUR 575 million. The Group plans to sell Flaconi and Verivox in order to invest in Joyn, programs and debt reduction. $PSM (-0,69 %)

Wacker Neuson is again lowering its annual targets and now expects revenue of EUR 2.2 to 2.3 billion and an EBIT margin of 5.5 to 6.5 percent. In the third quarter, the company reports a drop in revenue of over 20 percent and a 61 percent fall in EBIT. $WAC (+0,11 %)

Cewe confirms its annual targets with sales of between 770 and 820 million euros and an EBIT of 77 to 87 million euros, with the upper half of the ranges being targeted. The company generates most of its profits in the Christmas quarter and posts a marginally positive EBIT in the summer quarter, despite increased marketing expenditure. $CWC (+0,81 %)

Merck KGaA reports a 1.8 percent increase in sales to 5.3 billion euros in the third quarter, while the adjusted operating result rises by 12 percent to over 1.6 billion euros. CEO Belén Garijo announces that sales for 2024 are expected to be in the lower half of the previous range. $MRK (+2,96 %)

Bilfinger records revenue growth of 15 percent to just under EUR 1.3 billion in the third quarter and increases operating profit by 35 percent to EUR 76 million, supported by good demand and the latest acquisition. The Executive Board confirms the adjusted annual targets with an increase in revenue to EUR 4.8 to 5.2 billion for 2024, also taking into account a savings program and special effects from the integration of Stork. $GBF (+0,78 %)

K+S is revising its production forecast for 2024 downwards due to high sickness rates and now expects an operating result (EBITDA) of around EUR 540 million. In the third quarter, the company reports a decline in sales and EBITDA, with profits exceeding analysts' expectations but remaining below consensus estimates for the full year. $SDF (-2,82 %)

Insider information Food for thought?

Takeover?