Half of the year is now over. Incidentally, since July 2, we are closer to the year 2050 than to the year 2000 - just saying.

How could it be otherwise, June was also quite volatile in the middle, but the S&P500 regained everything and closed June with +2.12%. YTD, however, it is still at -7.36%.

In June, I recorded a loss of 0.32%. This corresponds to a value of around €380. It has to be said that I received fewer dividends, as getquin does not deduct withholding tax. But more about the dividends later.

The Dax (-1.11%) was finally worse than my portfolio this month. However, the HSBC MSCI World (+0.68%) beat me this time. Well, the DAX still has a bit of a head start. However, the MSCI is catching up considerably over the year. Nevertheless, I still have a slight lead of around 4%.

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

Nintendo ($7974 (-1,93 %) ) +14,96%

Airbus ($AIR (+0,3 %) ) +9,91%

Texas Instruments ($TXN (+1,67 %) ) +9,63%

McDonald's ($MCD (+2,83 %) ) -9,24%

Procter & Gamble ($PG (+1,23 %) ) -9,63%

Nestle ($NESN (-0,42 %) ) -10,17%

Texas Instruments $TXN (+1,67 %) is among the top 3 stocks again. But still only just over 0% for the year. The customs hullabaloo has simply taken its toll.

Airbus $AIR (+0,3 %) is of course benefiting from the Boeing disaster and the defense division is also doing quite well.

Nintendo $7974 (-1,93 %) has finally released the Switch 2 and is rising and rising and rising. I would have bought more six months ago... You're always smarter afterwards.

Dividends:

In June, I received €277.64 net from a total of 26 distributions.

Compared to June 2024 (€130.83), this was an increase of 112.21%.

Now comes July. The announcement of the distribution from the Global Dividend Growth ETF is not quite as bad as expected. The worst month of the year has thus changed to October.

Investments:

I still haven't finished building up my nest egg. I still haven't received the bill for the car repairs, so I still have a lot to put aside for that. In the meantime, it could come slowly so that I can finally get it off my plate. Apart from that, my nest egg is growing but it will take some time before it is at a satisfactory level. However, it should reach €10,000 by the end of December, provided nothing serious unforeseen happens.

Purchases and sales:

There were no sales in June.

I bought or increased Hershey (2 shares) and Pepsi (2 shares)

savings plans (125€ in total):

• Cintas $CTAS (+0,22 %)
• LVMH $MC (+3,03 %)
• Microsoft $MSFT (-0,06 %)

Goals 2025:

My goal is still to have €130,000 in my portfolio at the end of the year. This target 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 selling useless stuff 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 June 2025: 44.44%

Who would have thought that I should actually be at least 50%. I'm not, which means I'm lagging a little behind the optimal path again. But what can't be done, can still be done.

How was your June?

Do you have any particular goals for the second half of the year?

If you're interested in a mid-year review from me, please let me know in the comments.

If you liked the report and would like to read more, feel free to follow me,

If you're not interested, feel free to keep scrolling or use the block function.

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,02 %) Call money ETF. Div. 1.9%

15% $TDIV (+0,35 %) VanEck Divi Leaders. Div 3.5%

10% $TRET (+0,95 %) Global Real Estate. Div. 3.7%

7,5% $VHYL (+0,76 %) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,68 %) FTSE RAFI EM. Div 3.9%

5% $EWG2 (-0,51 %) Gold

5% $SEDY (+0,77 %) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,39 %) JPM Global Equity Inc Div 7.1%

5% $EEI (-0,27 %) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (+0,16 %) High Yield Bond. Div 6.1%

5% $EXXW (+0,99 %) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,02 %) Overnight ETF. Div 1.9%

12% $EQQQ (+0,26 %) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (-0,51 %) Gold

2% $O (+0,42 %) Realty Income 6.0%

2% $VICI (+2,08 %) Vici Properties 5.6%

2% $OHI (+0,6 %) Omega Healthcare 7.2%

2% $PLD (+2,94 %) Prologis 4.1%

2% $ALV (-2,09 %) Allianz 4.35%

2% $HNR1 (-1,49 %) Hannover Re 3.4%

2% $D05 (+0,18 %) DBS Group 5.5%

2% $ARCC (+1,43 %) Ares Capital 9.3

2% $6301 (-0,59 %) Komatsu. 4,2%

2% $1 (+2,91 %) CK Hutchison 4.6%

2% $AENA (-0,89 %) AENA. 4,2%

2% $LOG (-0,57 %) Logista 7.3%

1,5% $AIR (+0,3 %) Airbus 1.8%

1,5% $DHL (+0,14 %) DHL Group 4.8%

1,5% $8001 (-1,15 %) Itochu 2.8%

2% $RIO (+2,6 %) RioTinto plc 6.4%

2% $LIN (+0 %) Linde 1.3%

2% $ADN (+0 %) Acadian Timber 6.7%

3,5% $BATS (+3,1 %) BAT 7.0%

2% $KO (+0,36 %) Coca Cola 2.9

2% $HEN (+0,64 %) Henkel 3.0%

2% $KVUE (+1,85 %) Kenvue 4.1%

2% $ITX (+0,77 %) Inditex 3.6%

2% $MCD (+2,83 %) McDonalds 2.6%

2% $690D (+0,21 %) Haier Smart Home 5.6

3,5% $IBE (+0,03 %) Iberdrola. 4,1%

1,5% $AWK (+1,43 %) American Water Works 4.4%

1,5% $SHEL (+0,28 %) Shell 4.1%

1,5% $ENB (+0,38 %) Enbridge 6.5%

2% $DTE (-1,7 %) Deutsche Telekom 2.8%

2% $VZ (-1,07 %) Verizon 6.8%

2% $GSK (+0,69 %) GlaxoSmithKline 4.2

2% $AMGN (+2,23 %) Amgen 3.5%

2% $JNJ (+1,22 %) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

Eurofighter GmbH:

Eurofighter GmbH is a consortium responsible for the development, production and support of the Eurofighter Typhoon. The companies involved include Airbus, BAE Systems and Leonardo.

$AIR (+0,3 %)
$BA. (+0,07 %)
$LDO (+0,39 %)

MTU Aero Engines is a German engine manufacturer and plays a central role in the development and production of the EJ200 engine for the Eurofighter.

$MTX (-1,38 %)

The partners in the Eurofighter consortium are planning to increase annual production of the fighter aircraft from 14 to 20 aircraft and are even considering an increase to 30 aircraft in the long term, should corresponding orders be received. According to Jorge Tamarit Degenhardt, CEO of Eurofighter Jagdflugzeug GmbH, the increase in annual output by six aircraft is to be realized within 36 months.

As the manager explained to journalists at the Paris Air Show on Wednesday, sales campaigns for the fighter aircraft are currently underway in Turkey, Portugal, Austria, Saudi Arabia and Poland. For the British Ministry of Defense, the campaign in Saudi Arabia is a "must", as it is an important location for BAE Systems, where around 7,000 people are employed.

Tamarit Degenhardt basically sees an export potential of more than 100 machines, but conceded that the German position could represent an obstacle to exports to Turkey. In addition, further orders could come from the Eurofighter nations.

The CEO of Eurofighter GmbH expects the order for 20 additional Eurofighters for the German Air Force, which the then Chancellor Olaf Scholz announced a year ago at the ILA air show in Berlin, to be placed after the summer break.

The Long Term Evolution (LTE) of the Eurofighter has not yet been implemented in the 20 aircraft of Tranche 5. Observers do not want to rule out the possibility that there will be further demand for LTE Eurofighters, especially as they will then be better equipped for use with unmanned platforms. When asked, the Eurofighter manager said that there is currently no timeline for the integration of the Taurus cruise missile into the German Eurofighters. These are to replace the outdated Tornados as the carrier platform for the stand-off weapon.

According to Tamarit Degenhardt, the Eurofighter represents the "Combat Mass" of the European Air Force. Around 80 percent of combat missions are flown with the aircraft. He expects the global fleet of Eurofighters to reach 1 million flight hours by the end of the year.

Lars Hoffmann

https://www.hartpunkt.de/eurofighter-nationen-wollen-die-produktion-hochfahren/

Luftwaffe - new Eurofighters to receive Arexis self-protection system from Saab

$SAAB B (-1,03 %)

https://www.hartpunkt.de/luftwaffe-neue-eurofighter-sollen-selbstschutzsystem-arexis-von-saab-erhalten/

New in the depot. $AIR (+0,3 %)

$AIR (+0,3 %)
$MTX (-1,38 %)

The Vietnamese low-cost airline Vietjet, a popular low-cost airline, has ordered 20 new A330neo aircraft from Hamburg-based aircraft manufacturer Airbus. The airline plans to use these aircraft to expand its fleet and extend its network, particularly in Southeast Asia and towards Europe, according to the Hamburger Abendblatt. MTU, an important supplier for Airbus, is also involved in this deal as they are involved in the development and manufacture of the aircraft engines.

The order for the A330neo aircraft by Vietjet is a significant order for Airbus and underlines the demand for efficient and low-emission aircraft in the low-cost airline market. The A330neo offers greater range and efficiency compared to older models, which will be beneficial for Vietjet as it expands its network. Vietjet's choice of the A330neo also demonstrates confidence in Airbus' technology and reliability, according to the Hamburger Abendblatt.

I have decided to reinvest €20,000 and am focusing on a mix of growth and quality stocks with a long-term perspective. Here is my allocation:

5,000 € - Jumia $JMIA (-0,93 %)

Africa's leading e-commerce player is currently heavily undervalued. The company has lowered its cost base, operates more efficiently and will benefit from the growing internet and mobile payment market in Africa in the long term. For me, a speculative but promising small cap with a 5-10 year horizon.

7,500 € - AMD $AMD (+4,6 %)

AMD continues to impress with its strong product portfolio, particularly in the areas of AI, server CPUs and gaming. The valuation is much more favorable compared to Nvidia, with a high level of innovation at the same time. I see great potential here for the coming years, especially in the data center and AI segment.

2.500 € - PayPal $PYPL (+1,68 %)

Despite a weak share price performance in recent years, PayPal remains a strong player in the payment sector. The company is highly profitable, generates strong cash flow and could switch back into growth mode with the right strategic decisions. For me, it is a turnaround candidate with potential.

5,000 € - Airbus $AIR (+0,3 %)

Airbus is benefiting from global aviation growth in the long term. The order books are full and the Group is well positioned both technologically and geopolitically. In times of uncertainty and the re-industrialization of Europe, I see this as a solid industrial stock with a stable tailwind.

Conclusion:

I deliberately combine growth stocks (Jumia, AMD) with established quality companies (Airbus, PayPal). The focus is on long-term potential - I accept fluctuations. Time in the market beats timing the market.

What do you think - would you weight differently or do you have a position in one of these stocks yourself?