$AAPL (-5,14 %)

Key figure Result Expected / previous year Change YoY

Sales (revenue) $94.0 bn ~$89.3 bn expected +10 %

EPS (earnings/share) $1.57 ~$1.43 expected +10 %

Net profit approx. $23.4 bn - +8 %

Gross margin 46.5 % 45.5-46.0 % expected stable

---

📦 Segment sales

Segment sales Q3 FY2025 Change YoY

iPhone $44.6 billion +13.5 %

Services $27.4 billion +13 %

Mac $8.1 bn +5 %

iPad $6.5 bn +3 %

Wearables/Home/Access $7.3 bn -2 %

---

🌍 Regional highlights

Region Turnover Change YoY

China ~$15.4 bn +4%

USA & Europe Not specified solid demand

---

💸 Cash flow & returns

Key figure Value Change YoY

Free cash flow not exactly stated stable

Dividend $0.26 per share +4 %

Buyback program of up to $100 bn newly announced

I am really looking forward to the figures from $AAPL (-5,14 %).

I will also make the decision to completely liquidate my position and switch to $GOOGL (-2,86 %) and shift into .

What do you think we can expect tomorrow?

Hi guys, I need your advice again.

My savings plans are currently running as follows:

200€ in the $VWRL (-2,49 %)

70€ in $KO (-0,29 %)

130€ in $AAPL (-5,14 %)

Due to good circumstances, I currently have the opportunity to add another 100€.

My current consideration would be the 100€ in $BTC (+0,46 %) , $EOAN (+0,08 %) or perhaps also $NVDA (-3,83 %) or $GOOGL (-2,86 %)

What would you do with the €100? Or maybe just increase the savings plan to the $VWRL (-2,49 %) increase it?

Thank you!

$HEIA (-2,21 %)
$EL (-1,22 %)
$NUE (-4,56 %)
$CDNS (-3,72 %)
$WM (-1,33 %)
$MSFT (-3,8 %)
$V (-3,35 %)
$OR (-2,69 %)
$AZN (+0,16 %)
$MRK (+0,15 %)
$PG (-1,22 %)
$SBUX (-4,3 %)
$BCS (-3,49 %)
$META (-4,37 %)
$BABA (-4,45 %)
$QCOM (-0,57 %)
$AIR (-3,78 %)
$HSBC (-1,4 %)
$GSK (-1,27 %)
$MBG (-2,03 %)
$F (-4,01 %)
$AAPL (-5,14 %)
$AMZN (-7,55 %)
$MA (-2,45 %)
$7203 (-1,65 %)
$SHEL (-1,49 %)
$005930
$SNY (+1,75 %)
$CMCSA (-4 %)
$COIN (-12,41 %)
$NET (-8,55 %)
$XOM (-3,35 %)
$CVX (-1,89 %)
$CS (-7,32 %)
$NTDOY (-2,7 %)
$CL (-2,37 %)
$DTG (-2,19 %)
$UNH (-6,32 %)

Hello everyone,

I wanted to share my portfolio and my strategy with you today.

I've been active on the stock market since 2022.

Like many people, the start was not perfect. In the beginning, I traded back and forth too much, bought and sold shares only because of short-term movements and often went with my gut feeling rather than a clear strategy.

In the meantime, however, I am really happy with my portfolio and, above all, with my direction.

I invest for the long term, broadly diversified and hedge all my positions (except $ISPA (-1,09 %)) on a monthly basis.

I no longer worry about short-term price movements.

A few books, which I have already presented in a separate article, have also been particularly helpful.

My portfolio is divided into two areas:

ETFs at Trade Republic:

• Vanguard FTSE All-World ($VWRL (-2,49 %)) is my basic investment and forms the backbone of my portfolio
• Fidelity Global Quality Income ($FGEQ (-2,18 %) ) I find the ETF's approach very interesting
• iShares STOXX Global Select Dividend 100 ($ISPA (-1,09 %) ) I still have from my early days. It will probably be completely switched into the VWRL sooner or later
• iShares Physical Gold ($IGLN (+0,62 %) ) is intended as a small addition

Individual stocks at Scalable Capital

I have specifically selected six established companies that I am betting on for the long term.

They are not insider tips, but for me they are solid and easy to understand:

• Microsoft ($MSFT (-3,8 %) )
• Apple ($AAPL (-5,14 %) )
• Visa ($V (-3,35 %) )
• Coca-Cola ($KO (-0,29 %) )
• Allianz ($ALV (-3,44 %) )
• Realty Income ($O (-0,76 %) )

If I find any exciting additions in the future, I would like to expand the stock selection to a maximum of ten stocks.

I invest in all my ETFs (except $ISPA (-1,09 %)) and shares on a monthly basis.

I also make targeted individual purchases from time to time.

This gives me a clear structure, keeps me disciplined and allows my portfolio to grow.

I'm glad that I've learned from my beginner's mistakes and have now found a strategy that suits me.

How did you get started in the stock market and what helped you find your way?

In my savings plan for 2 years, dividend now pays my monthly fees for $AAPL (-5,14 %) of 2,99€ for my storage so that I can see all your contributions ! I am very dissatisfied with the performance of the share itself as it is actually only going sideways / down.

What do you think $O (-0,76 %) or would you reallocate ?

What I had planned to do:

• ETF ->

Besides the $VWCE (-2,46 %) which is my largest position in the portfolio so far, the ETF's $SMEA (-1,89 %) & $AEJ (-1,94 %) with a higher savings rate.

This approach is going according to plan. Due to a significantly higher salary as a result of completing my training, I am only changing the size of the savings plan here.

I just want to achieve the same buy-in here. However, to be honest, this is only for an optical reason.

• Individual shares ->

Some shares have clearly exceeded the 10% limit.

• $AAPL (-5,14 %)

I have been saving large amounts of money in the stock itself since November 24. At least until I started thinking about portfolio management and investment strategies.

As a result, Apple was the top position in my portfolio during the slump.

It is now in second place with 20% of the portfolio. But that doesn't look so good due to the red figures.

I have set up a savings plan for this, which I pay into weekly with a small amount.

The aim is to reduce my buy-in and this has worked well so far, from over 12% down to 8% down.

• $DTE (-1,14 %)

The share has been in my portfolio for some time, but has been in the red for a long time.

I had decided to $MSFT (-3,8 %) & $SIE (-4,7 %) to sell. Both shares have generated good returns and I have been happy with them so far. So I thought "why not?".

I reinvested this money and wanted to reduce my buy-in of the Telekom share. Let's see how that goes.

I don't have much to say about the rest of the individual stocks. You can take a look at the portfolio yourself and ask any questions you may have.

• Addition

Just a few months ago, I decided to split my salary at the end of the month on a percentage basis. This means that part of it goes into the custody account, part into the vacation account and part into the reserve account.

As I said, I was never taught how to handle money. This approach didn't work out at all.

Money came in -> money was divided up -> I ran out of money -> money was transferred back.

That sucks.

The only thing I never touch is the deposit. The custody account reminds me to grow financially and what my actual goals are. In addition, there are fees when selling, or the red numbers of the course: "if I sell now I have the amount "XY" REALLY made a loss.

Hence the attempt:

To put the portion of my vacation money into the Gerd Kommer ETF every month. $GERD (-1,95 %) every month.

If the money is invested. I can't blow it. Even if the attempt fails and I go down 10%. In the end, it's still more than nothing.

In an emergency, I can also sell a single share and buy or sell it afterwards at a good price. If the timing is bad for a partial sale.

Overall, I can't get rid of the feeling that I should at least give it a try. I've been thinking about it for a while now.

I'm just still unsure whether the accumulating ETF was the wiser decision.

Thanks for reading and for your attention :)