The $C (+1,31 %) currently recommends the FTSE 100, as it is well suited as a hedge against the risk in the Middle East. This is illustrated by 3 factors.

• The FTSE 100 is driven by energy companies such as $SHEL (-1,49 %) and $BP. (-1,43 %) dominated. These benefit from geopolitical tensions and thus provide a natural hedge.
• The FTSE has a high weighting in defensive sectors such as pharmaceuticals, such as $AZN (-2,36 %) and consumer goods, such as $ULVR (-1,08 %) as. These sectors are historically resilient to geopolitical problems.
• Many companies in the FTSE 100 generate the majority of their sales outside the UK. This makes them less vulnerable to domestic risks and more resilient to global uncertainties.

𝖢𝗂𝗍𝗂𝗀𝗋𝗈𝗎𝗉 𝗌𝗂𝖾𝗁𝗍 𝖻𝗋𝗂𝗍𝗂𝗌𝖼𝗁𝖾 & 𝖲𝖼𝗁𝗐𝖾𝗂𝗓𝖾𝗋 𝖠𝗄𝗍𝗂𝖾𝗇 𝗌𝗈𝗐𝗂𝖾 𝖤𝗇𝖾𝗋𝗀𝗒 𝗎𝗇𝖽 𝖽𝖾𝖿𝖾𝗇𝗌𝗂𝗏𝖾 𝖲𝖾𝗄𝗍𝗈𝗋𝖾𝗇 𝖺𝗅𝗌 𝗉𝗈𝗍𝖾𝗇𝗓𝗂𝖾𝗅𝗅𝖾 𝖮𝗎𝗍𝗉𝖾𝗋𝖿𝗈𝗋𝗆𝖾𝗋, 𝖿𝖺𝗅𝗅𝗌 𝖽𝗂𝖾 𝗀𝗅𝗈𝖻𝖺𝗅𝖾𝗇 𝖱𝗂𝗌𝗂𝗄𝖾𝗇 𝗐𝖾𝗂𝗍𝖾𝗋 𝗌𝗍𝖾𝗂𝗀𝖾𝗇.

Hi Dear GQ Community,

Today I wanted to share my portfolio with you and see what you think or say about it. You are welcome to make suggestions for improvement. 😃

First of all about me, I am 31 years old, father of 2 children and only work as a service technician 👷‍♂️unterwegs which is why I currently have no more than 100€ - 130€ per month available to invest. I always thought with your high sums that I would not divide my portfolio because it is so small. But today I'm just going to do it 😅.

I've only been investing since the end of May 2025. I'm looking for dividends that are partly reinvested and partly paid out. But I want to save for old age in the long term to possibly supplement my pension 🧓later on. 💰💸

Now to the portfolio. I don't currently have a plan for how much of my budget is going where. I'll look at it for a month and then decide who has performed best 📈 and who has performed less 📉.

I currently have:

ETF savings plans:

• $IWDA (+0,26 %) with monthly 25€
• $VHYL (+1,36 %) with monthly 15€
• $EIMI (-0,05 %) with monthly 10€

Individual shares:

• $OXY (-0,92 %)
• $PEP (-0,1 %)
• 
  $KO (-0,86 %)
• 
  $SHEL (-1,49 %)
• 
  $RHM (+1,9 %)
• 
  $BAC (+1,88 %)

Crypto:

• $BTC (+1,1 %)

The savings plans are saved every month and the individual shares are saved more or less depending on the month. Because $BTC (+1,1 %) to be honest, I'm in it just for fun. I'd like to see where the journey takes me.

As I said, I'll decide exactly how it will be divided up next month when I see who has performed best by then. And then it will be adjusted monthly.

At the moment my portfolio is only in the red with the order fees from Trade Republic, if these weren't there I would already be slightly in the black. But I am investing for the long term and am not out for day trading.

Now I'm curious to hear what you have to say, and please don't completely tear me apart 😅.

$OXY (-0,92 %)
$OD7F
$OOEA
$XOM (+0,47 %)
$BRNT (-2,02 %)
$SLB (-1,19 %)
$COP (-0,19 %)
$WENS (-0,16 %)
$EXH1 (-0,66 %)
$SHEL (-1,49 %)
$PETR4 (-1,26 %)

The tensions will be resolved quickly. High oil prices harm American consumers. Trump wants to prevent that. He also wants to conclude an agreement with China. China imports a lot of oil from Iran, which will hurt them. The same applies to India, with which Trump also wants to conclude an agreement.

Trump is pro-Israel and wants to help Israel achieve its military goals. However, he will not give Israel much time to do so. It will either be over as quickly as the Six-Day War or after two weeks at the latest, enforced by Trump.

BEFORE: I have completely revised my portfolio review. There are now even more in-depth figures to see and I have greatly reduced the body text. Only my introduction is a little more detailed. The visual overview on Instagram has also been completely revamped. There is also a budget review, which I am not publishing here as a post. However, I have included a few key figures from this one in the portfolio review.

I am very happy about likes here at GQ and on both IG posts, as the complete renewal has cost me a lot of nerves and time. 🙃 If you also want to know how my personal finances have developed, I'd like to refer you to my personal budget review on Instagram.

In future, I will publish my detailed assessments on individual topics that were previously part of the review (such as crypto cycles or my succession strategy for crypto) separately in individual posts on GQ. Perhaps as a kind of supplementary post.

Are you missing important key figures or do you have suggestions for optimization? Constructive suggestions are always welcome.

For me, May was characterized by calm and composure, because I kept the noise of the markets and US trade policy away from me. I can do no more than simply buy more. I like to refer here to the stoic way of thinking, which focuses on prioritizing what you can influence. And that is my personal development. So that meant doing sport (at home with YouTube cardio and strength, abs, core, running), stockpiling Instagram posts so that I have some breathing space in the summer and delving deeper into the topic of AI. And the tax return was also completed. Meanwhile, dividends have been stable with the second strongest month ever, which was April. Time for a deep dive into my figures.

Overall performance

My portfolio performed well in May. Bit by bit, we are fighting our way up from the tariff lows. The key performance indicators are

• TTWROR (month of May): +4.83 %
• TTWROR (since inception): +65.84 %
• IZF (month of May): +74.24 %
• IZF (since inception): +9.94 %
• Delta: +€3,368.39
• Absolute change: +4,486.96 €

Share allocation & performance

Which shares performed particularly well in May? Which are at the top of the chain and which at the bottom? Which were the biggest losers?

Size of individual share positions by volume

Share: Share of total portfolio in % (portfolio)

• $AVGO (+0,44 %) : 2,71 % (main share portfolio)
• $NFLX (+0,7 %) : 2,12 % (main share portfolio)
• $WMT (+1,45 %) : 1,83 % (main share portfolio)
• $SAP (+0,86 %) : 1,69 % (main share portfolio)
• $FAST (-1,57 %) : 1,59 % (main share portfolio)

Smallest individual share positions by volume:

Share: Share of total portfolio in % (securities account)

• $SHEL (-1,49 %) : 0,44 % (crypto follow-on portfolio)
• $HSBA (-1,07 %) : 0,54 % (crypto follow-on portfolio)
• $TGT (-0,35 %) : 0,62 % (main share portfolio)
• 
  $DHR (+2,69 %) : 0,66 % (main share deposit)
• 
  $NKE (+0,45 %) : 0,67 % (main share portfolio)

Top-performing individual shares

Share: Performance since first purchase % (securities account)

• $AVGO (+0,44 %) : +245 % (main share portfolio)
• $NFLX (+0,7 %) : +190 % (main share portfolio)
• $SAP (+0,86 %) : +108% (main share portfolio)
• $WMT (+1,45 %) : +79% % (main share portfolio)
• $RSG (+1 %) : +60 % (main share portfolio)

Flop performer individual stocks

Share: Performance since first purchase % (securities account)

• $DHR (+2,69 %) : -58 % (main share portfolio)
• $TGT (-0,35 %) : -40 % (main share portfolio)
• $NKE (+0,45 %) : -39 % (main share portfolio)
• $CPB (+0,25 %) : -34 % (main share portfolio)
• $UPS (+0,58 %) : -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.8% to 61.2%. This differs slightly from the breakdown of my ETFs to equities savings plans (43% to 57%).

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases as a cashback annuity from refunds: € 70.50
• Dividend automatically reinvested by broker: € 2.99

Additional purchases: as one-off savings plans as part of my cashback pension, reinvested discounts from previous grocery and drugstore purchases and a refund from the health insurance bonus program.

• Number of additional purchases: 2
• 30.00 € for $JEGP (-0,09 %)
• 
  40.50 € for $GGRP (-0,2 %)

If you want to know how my cashback pension tops up the share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 163.13 (€ 89.68 in the same month last year). This corresponds to an increase of +42.32 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 11
• Number of payment days: 21 days
• Average dividend per payment: € 14.83
• average dividend per payment day: € 7.72

The top payers are:

• $DHL (+0,8 %)
• 
  $IMEU (-0,2 %)
• 
  $IWDP (+0,19 %)

My passive income from dividends (and some interest) mathematically covered 21.08% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +0.72%
• Performance since inception: +70.90%
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.23%

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my strategy. Profits have long since been realized, my focus here has long been elsewhere. Accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +4.83%
• $VWRL (+1,33 %) +6.10%
• $VUSA (+0,14 %) : +6.89%

Outlook and conclusion

According to the tax estimate, I can expect a tax refund. When this arrives, part of it will be donated and the rest will of course be reinvested. May was also a no-spend month for me and, as a convinced frugalist, this went off without a hitch. I was able to reflect more closely on my spending behavior and even found further potential despite my basic low spend attitude. Now I'm preparing a Hartz IV/citizen's allowance experiment for at least 3-4 months (or more) for the second half of the year. Simply because I feel like challenging myself. My planned expenses and provisions according to the budget only just exceed my theoretical entitlement to citizen's allowance. More info coming soon on Instagram. After March and April, I was again able to record expenses of less than €1,000 per month in May. This will change in June due to a large annual insurance premium, but maybe I'll be lucky and stay at a maximum of €1,100 to €1,200. As in the previous months, I will continue to use the early summer in June for hiking, swimming and day trips.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 As well as the depot and budget review, there's also: @frugalfreisein

• One-pagers and carousel posts every Monday, Wednesday and Friday on topics such as wealth accumulation, frugalism and minimalism
• more story insights in the future
• Mindset, motivation & money-saving life hacks for your own journey

How was your May at the depot? Do you have any tops & flops to share? Leave your thoughts in the comments!

$MDT (-0,4 %)

After 4 long years of stagnation and share price decline, I have decided to sell Medtronic and further expand my portfolio in line with my preferences.

To this end, I have reduced my positions

In Shell $SHEL (-1,49 %) , Carrier Global $CARR (+2,06 %) , Total Energies $TTE (-0,46 %) and Nike $NKE (+0,45 %) expanded.

With Nike I have now also reached my desired size 😁

There is currently only one single share in the standing order and that is Carrier Global.the standing order on the Vanguard FTSE all-world remains unchanged.

I still intend to $SHEL (-1,49 %) , $TTE (-0,46 %) , $XYL (+0,02 %) , $ECL (+1,02 %) and $LIN (+0,25 %) to expand.

I am always open to comments and suggestions for improvement 😁

$INS (+1,3 %)

$SHEL (-1,49 %)

Ladies and gentlemen,

Further monthly savings plans were executed today.

It's always a nice feeling 😉

Price decline

OPEC+ countries

Brent futures curve

Oil supply

Kazakhstan

tariff war

Price target

Link: https://shorturl.at/asfT7

$SHEL (-1,49 %)
$TTE (-0,46 %)
$CVX (-0,45 %)
$XOM (+0,47 %)
$BP. (-1,43 %)
$OXY (-0,92 %)
$SLB (-1,19 %)
$2222
$ENI (+0,29 %)