$AVGO (+0,55 %)

Would you sell with a price increase of 18% to hedge your profits before the Nvidia figures?

Good morning, dear community!

Yesterday, savings plans were executed again at TR. At 16:15 I received a message that my Broadcom $AVGO (+0,55 %) savings plan was not executed, with the addition "Trading not allowed"

When I looked at my securities account in the evening, I noticed that Blackrock $BLK (+0,61 %) had been booked into the securities account & on top of that, a weekly savings plan on the same company was suddenly running. I don't have Blackrock on my watchlist & never had it in my portfolio before.

WTF !?? Does anyone have similar experiences?

TL;DR like to roast my deposit, appreciate all opinions!

I always find the many posts here and reading various biographies very interesting, so I've wanted to say a few words for a while now.

Tried early, but started late

I am now 32 and unfortunately started investing seriously far too late, studied far too long, and with the larger salaries finally built up as much as possible and tried to catch up as quickly as possible. "Unfortunately" means for the most part the past calendar year, which is why I put a large part of my money into shares at already high prices and then had very little cash left in the crash to add to it. Fully invested, in other words. During the crash, I mainly reallocated and continued to fully invest what was left over from my monthly salaries.

Yet back in 2011, at the age of 18, I had a share called Facebook and a Starbucks share in my portfolio without much of a clue. I just wanted to know what my mother was actually doing with her shares and how it worked, and with FB and Starbucks I simply chose two companies that "everyone" uses/needs anyway. The idea wasn't that stupid, it worked, and after a short time I was happy about the small profit in absolute terms, sold the shares at DiBa despite the high fees at the time and simply forgot about shares for years - wealth accumulation, a word that wasn't in my vocabulary, the money I had was simply turned upside down as a young adult. Well, young me, just leave the shares lying around or, even better, take a closer look at them and carry on, it "might" have been worth it...

Of priorities and wrong horses

The years went by without any shares, but with lots of fast food and partying, but at least things have changed. At some point, I started to think about the future and wealth accumulation, first taking an interest in interest rates, and then the logical next step was dividends and shares. Unfortunately, it started rather haphazardly. As a student, I started investing small amounts, and of course betting on the wrong horses. Speculative lithium shares were particularly bad in this phase, unfortunately these were large sums even by my standards, from my grandfather's estate. That was bad. However, crypto was a very good horse, more precisely $BTC (-0,67 %) and $ETH (-1,94 %) which (as a computer scientist) I became interested in early on and exited several times with high profits, also thanks to domestic mining. It's just stupid that back then, in the last decade, I would never have imagined how cryptos would develop. If I had, I would have simply left it all, or at least part of it. You learn and you're always smarter afterwards anyway.

Fully invested - excessive, unhealthy, or simply good housekeeping?

So now I'm 32 - and proud of a portfolio that I think I've built up to a good size in a relatively short time. Which has given me other ideas for some time now. I'm still a long way from reaching my goal, but I have to get back on the "invest 100%" path, which has been completely contrary to my past for a long time now, and strangely enough, I'm finding it difficult to do so - something to reflect on. There are too many (supposed?) opportunities every day. So I simply could not $UNH (+1,54 %) after a long period of observation yesterday and of course the savings plans had to run today too. I think I've always been good at budgeting, or let's put it this way, at least good at getting by with the money available to me in a perfectly timed way, but "indulging", not just in company shares, may become a little more prominent again. I don't go without noticeably in everyday life, I need very little, which I don't think is a bad quality to begin with. But I have changed a lot in the area of "consumption" compared to the past. I think it would be good to find a healthy balance. In my opinion, just as you don't just live to work, but work to live, the same applies to saving/investing. I actually read a post here on gq today that described exactly that and I could relate to it very well. So, reflection and taking your foot off the gas is allowed - no, it's a must! I am familiar with frugalists, but I never wanted to be one. I'd be interested to know if anyone else here feels the same way, or did?

Wrong decisions, mistakes... and (hopefully) the right conclusions

Back to the topic! (Not only) on the way to today's portfolio I have made many wrong decisions, as already mentioned, so I thought that a well-kept portfolio roast could do me some good. Other, new opinions and assessments can't be bad!

In particular, in the past I have often missed the opportunity to simply let profits run their course and instead dragged losses around with me for too long (which brings us back to lithium). A thought that I recently had again when I was thinking about when it would make sense to $HIMS (+8,3 %) possibly realize, as an example. $PLTR (+7,32 %) and $NVDA (-2,46 %) are two examples that, like so many others, I naturally had on my radar, but they always seemed too expensive, the setback never came and I really missed the big rallies as a result. At the same time, I also get caught out by FOMO from time to time. So in both good and bad phases, I try not to just see red or green, fear or hope, but simply to evaluate what actually makes sense "from now on". Sometimes you realize a loss in order to try your luck elsewhere, sometimes you should let profits run, sometimes take them, sometimes endure the dip, sometimes be courageous and sometimes defensive. Easier said than done. I find it very nice and helpful to exchange ideas on this platform and how open and "yet" respectful it generally is. Of course, I will most likely never reach some portfolio sizes, but you can always learn something about how some people manage their portfolios, regardless of the absolute figures. You will always make mistakes, but at least you should deal with them correctly and draw the best possible conclusions.

Portfolio restructuring, planned investments / savings plans

And today? After some evaluation, research, regrouping and restructuring, I now have fewer, but still quite a few positions in different sectors, most of which are already of a decent and roughly balanced size. My medium-term plan is now to build up all positions to a certain target size. This is why I am currently running savings plans:

$MPWR (-2,66 %)

$AVGO (+0,55 %)

$ISRG (-0,67 %)

$DXCM (+0,54 %)

$DHR (-0,68 %)

$ALV (+0,45 %)

$9988 (-3,29 %)

$BRK.B (-0,27 %)

$APH (+1,34 %)

$MELI (+1,83 %)

$BLK (+0,61 %)

$RSG (+1,12 %)

$DGE (+0,56 %)

$VKTX (-4 %)

ETF/ETC:

$UBU7 (+0,11 %)

$EWG2 (-0,34 %)

Partly with small weekly amounts, until enough cash is available to fill the target position evenly. With $AVGO (+0,55 %) for example, there is not much left. Also $BRK.B (-0,27 %) / $APH (+1,34 %) and others are already approaching the target. In some cases with somewhat larger sums for still small but prioritized positions, until opportunities and/or resources for individual purchases arise, such as the $ALV (+0,45 %) and $RSG (+1,12 %) should be mentioned here, as well as $DGE (+0,56 %) as a turnaround candidate.

Once the aforementioned positions are full, I would like to turn my attention to the more defensive candidates that are already in the portfolio but which I am currently prioritizing - $MCD (+0,68 %) / $KO (+1,08 %) / $CCEP (+1,38 %) / $ULVR (+0,74 %) and others - and finally increase the ETF and gold share in the long term.

$VKTX (-4 %) is a bit of a gamble, as I have actually said goodbye to pharma - $ABBV (+0,8 %) / $NOVO B (+2,99 %) / $LLY (+2,9 %) and $MRK (+1,19 %) were still part of the inventory until recently. Instead, I decided to go with $DXCM (+0,54 %) / $ISRG (-0,67 %) / $DHR (-0,68 %) on medical technology.

$BTC (-0,67 %) remains a fixed value in the portfolio, while I $ETH (-1,94 %) (incorrectly entered due to staking - around 0.4 shares or €1000) and $XRP (-2,38 %) would/will sell at corresponding prices.

I still lack around €15,000 in individual stocks at current prices to bring all positions to the current desired/dream target. This will take some time, but is foreseeable. And then I would be really quite proud and happy "as things stand now"! In any case, I now feel very comfortable on the path I have chosen and, as I said, I have to stop myself from forgetting that not all money has to be invested all the time.

Savings rate

To put this into figures, I have averaged a savings rate of around €1500 over the last 24 months, with an average of €100 a month in dividends. 1400€ investment, that's about 82% of my monthly budget after deducting all "unavoidable" fixed costs including fuel and household, but not including consumption such as clothes, going out or vacations. Exaggerated, I can't say otherwise myself. But at least I have a good reason to step on the gas and get the compound interest going.

So what is all this for?

In the long term, my girlfriend and I dream of owning a property somewhere on the Croatian Adriatic, her homeland, and where I was able to spend many wonderful weeks with my parents every year as a child. A beautiful region that I consider an important part of my life, with many great moments and memories that may become even more. I hope to get closer to this goal "quickly" with the depot. The language is already halfway there! :)

In the long term, this would probably involve a little reallocation into value dividend payers, which should help with repayment. However, I would also like to lay the foundations for later distributions today, without neglecting growth. There is probably no perfect mix for this, but you are welcome to rate mine.

So, unfortunately I was once again unable to be brief. Thank you for reading, whoever has made it this far, and for your comments! I'm very excited and wish you all a great weekend.

Did anyone else have this problem today? Only with $AVGO (+0,55 %)

First of all, thank you for taking the time to read this post🙄 it's getting a bit long😅

As you know, the market has only gone in one direction in recent weeks and months📉, but now the wind seems to have changed 📈

since my portfolio presentation last year, I have now used the correction to some changes in the portfolio, which I would like to share with you 🙃 "Unfortunately" there was no reduction in the portfolio for the time being because there were too many attractive opportunities🥹

At the beginning of April in particular, I massively reduced my cash reserves and expanded or even doubled my positions. I also made a a few new additions in my portfolio begrüßen✌️(I actually had a few stocks inspired by the dear @Aktienhauptmeister 👀) Greetings go out 😆

In my portfolio introduction post, I mentioned that I would like to $DHR (-0,68 %) against $SYK (+0,27 %) would exchange. Now it has actually been implemented ✅ necessity is the mother of invention, which is why I have also parted with $OR (+2,06 %) I also parted with

I didn't want to share all my purchases now, that would be too much, so I'll list what I bought here 🙂

I tried as best I could to increase "every" position in the portfolio a bit🧐

First of all, I'll mention the positions that were further expanded

$VWCE (+0,18 %) + ~10k

$GRAB (-0,09 %) + ~1k to (3.38)

$BLK (+0,61 %) + ~ 1.3k (678)

$ASML (-1,02 %) + ~2.7k (555,45)

$GOOGL (-0,13 %) + ~ 1.5k (124,66)

$MPWR (-2,66 %) + ~ 1.6k (409,21)

$SOFI (+1,56 %) + ~ 0.7k (7,78)

$LIN (+0,91 %) + ~ 1.1k (388,20)

$QCOM (-1,78 %) + ~ 1.5k (113,62)

$CRWD (+2,43 %) + ~ 0.9k (289,75)

$MSCI (-0,18 %) + ~1.3k (451)

$V (+1,04 %) + ~ 1.4K (274)

$AMZN (-0,1 %) + ~ 1.4K (159,74/159,34)

$MSFT (+0,62 %) + ~ 1.7k (335/337,75)

$MC (+0,1 %) + ~ 1.9k (482,31)

$NOVO B (+2,99 %) + ~ 2.5k (51,68)

$ABBV (+0,8 %) +~ 1.5k (152)

$NVDA (-2,46 %) +~ 2k (85,04)

$UNH (+1,54 %) +~ 1.7k (336,30)

$PEP (+0,03 %) +~ 1.1k (114,97)

$MRK (+1,19 %) +~ 1k (67,70)

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

now to the new arrivals 🤩 the ones now mentioned below I opened the positions for the first time 😇

$SYK (+0,27 %) ~ 2.1k (305,72)

$META (+0,56 %) ~ 1.4k (467,30)

$AVGO (+0,55 %) ~ 1.1k (156,76)

$ISRG (-0,67 %) ~ 1.6k (398,30)

$SPGI (-0,04 %) ~ 1.2k (403,22)

$ANET (+0,29 %) ~ 1.8k (70,50/58,65)

$UNP (-0,11 %) ~ 0.9k (187,56)

$CAT (-0,65 %) ~ 1.5k (246,50)

(I hope I have not forgotten anything)

I have invested a total of about 45k and am absolutely satisfied with my investment case. Now I have no more buffer to add 🥲 in the next few months I will build up cash again 😬

Now I'm curious to see what you've bought, my dear investors?

Like for example @Aktienhauptmeister
@Max095
@Tenbagger2024
@Simpson 🫣

thanks again for reading 🥸

in that sense

have a nice weekend ✌️

AHEAD: Starting next month, my Instagram monthly recaps will only show the most important facts and figures on the slides of the Instagram post. The detailed text version will appear here on getquin. This makes it easier to absorb the information and makes the Instagram posts clearer.

I will divide the monthly review into a portfolio update and a review for private finances. I could also create a separate review for dividends and reinvestments. My aim is to motivate people to take responsibility for their own finances and to build up their wealth. The whole thing is based on my experience reports from my personal everyday financial life, tailored to the respective target group for each sub-post. Let's see how well I succeed.

Here is the last All-In-One post.

While many have continued to panic about Trump, I think I have understood that the whole tariff issue is only intended to depress the markets so that the USA can refinance itself at much lower interest rates when a good USD 7 trillion of the USD 36 trillion of national debt matures this year. That's why I preferred to keep on hiking, while the portfolio rewarded me with plenty of dividends for the month.

I present the following points for the past month of April 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ AFTER-PURCHASES

➡️ CASHBACK

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

So the second of April was the aforementioned day of liberation. And it was indeed one, the day of liberation from the excessive overvaluations in US equities. Unfortunately, there was also other collateral damage, but in the end there will be none, as it is all just book losses.

The trap in the US government budget that I would like to briefly point out is the national debt to GDP ratio of 123%, as of March 2025. In Germany, it is around 63%. This is stiflingly high and means that economic output is not enough to keep the national debt in check! Therefore new new "money" has to be printed for refinancing. And this money reaches us through asset price inflation. The illustration is, of course, highly simplified, but that is why we invest.

A look at my portfolio shows me that my individual shares $NFLX (+2,13 %) my previous class leader $AVGO (+0,55 %) has at least just caught up in terms of performance. Nevertheless, Broadcom remains the largest position in terms of volume. Who knows for how much longer?

Netflix's performance has recovered to +184%, Broadcom's is +182%. I'm watching the spectacle, but I'm letting the savings plans continue. Nothing more will be done here, as Beate Sander once said: the horses stay in the stable. Behind the two draught horses $WMT (+1,92 %) 3rd place in terms of volume and $SAP (+2,11 %) in 3rd place in terms of performance with +110%. In the last review, I reported that the waste disposal service provider $RSG (+1,12 %) had risen steadily. It is now losing a few places again, but rising $V (+1,04 %) and $MA (+2,14 %) are rising together and both are already knocking on the door of the top 5 from the outside. The performance of both is similar and decent with +44%/+42%.

As always, the last places in the main stock portfolio are occupied by the same suspects. $NKE (-1,42 %) , $TGT (-0,74 %) and $HTGC (+0,51 %) are the smallest positions. In terms of performance, Nike and Target are the worst performers at -40%.$DHR (-0,68 %) as well. But that leaves me cold. In the current macro situation, this is hardly to be expected otherwise. The "neighbor indicator" fits, because most of the shoes on their doorstep (larger family) are Nike shoes. I'm thinking about adjusting my savings plans so that these values receive a higher proportion of my net salary.

➡️ ETFs

The impact of Trump's tariff policy was also clearly felt in the prices of my ETFs in April, leading to significant losses. It is important to remain calm in such volatile times and continue to invest strategically. Such phases are part and parcel of long-term asset accumulation.

➡️ Distributions

In April, I was pleased to receive 19 distributions on 8 payout days. This additional income stream is a valuable addition to my normal earned income, for which I am very grateful. I recommend everyone to build up this kind of additional income in order to become more financially independent from their traditional main job.

Traditionally, April is not a low-distribution month for me. This time, however, the distributions from my three large ETFs were not paid out at the end of March but in April, which distorted the distributions for both months. This effect made April the second-highest distribution month since I started investing. Otherwise, April is always slightly below the distributions of March.

➡️ Additional purchases

From the refunds below, I bought two one-off savings plans on the $GGRP (+0,21 %) and $JEGP (+0,33 %) executed. I would have liked to buy more, but I still don't want to touch the nest egg or reserves.

➡️ Cashback

In April, I received a cashback on my electricity bill and a travel allowance from my employer. Part of this was used to pre-finance future expenses and to top up sinking funds, while the other part was invested in an old portfolio via the aforementioned one-off savings plans.

➡️ P2P loans

With Mintos, there were no interest or redemption payments. I always withdraw incoming funds with availability. How are you doing with P2P? Are you also withdrawing from the investment?

➡️ Crypto

April was also a very volatile month for crypto investors. The unrest caused by Trump's tariff policy depressed crypto prices, similar to March. However, prices gradually recovered, indicating that the money supply is already increasing again. This is happening through new debt being purchased in the form of government bonds by the FED, which is essentially the equivalent of 'printing' money. Historically, the $BTC (-0,67 %) usually follows this development with a delay of just over 10 weeks, as it is strongly correlated to the money supply at 90%.

I am following the whole thing with interest. My preferred theory of cryptocycles still fits in with the current trend. We are moving back towards 100K and I expect a bullish crossover in Bitcoin. The limit orders are still in the market, even if it will be a long time before they trigger. Of course, I hope that the "normal" bear market will then resume. In a few months' time, we will know whether we will have seen another clear double top in the current bull market.

Here are two key figures from my crypto wallets: monthly performance: +5.5%, performance since the beginning: +56%.

➡️ And what else?

I'm continuing to delve deeper into the use of LLMs and am currently working on my prompting technique. The posts on my Instagram channel that I have published since March have been created with the help of AI, I have used AI to give me ideas for image generation, to have them created naturally and many of the quotes are also AI-generated. I use several LLMs and see significant differences in the outputs. This makes it more diverse and even allows me to merge multiple results. The models are also learning my writing style better and better, with longer generated texts you can still clearly read the generic, but I myself understand better and better how I can use the new technology to improve my productivity instead of letting it replace me. This also applies to my job.

As in the previous month, I am also focusing much more intensively on the topic of nutrition. I avoid added sugar as much as possible. So there was no chocolate bunny for me at Easter and I'm not hungry for chocolate or other sweets. That's a real miracle.

I've also increased my weekly exercise routine once again and am paying close attention to how my body is coping. Instead of two weight training sessions at home, I now do three, instead of three running sessions a week I do a lot and every morning I do some general fitness/cardio and core exercises for my stomach to warm up. The clear aim is to continue building muscle and strengthening my heart health. And I enjoy it, even though the temperature in my apartment has already risen towards 25° Celsius on some days.

I've been hiking twice in Saxon Switzerland, once just under and once over 30 km. On hiking days, I like to leave at 4 a.m. on the first Saxonia Express train. In the fall and early spring, this is even the perfect time to enjoy the sunrise on the sandstone cliffs. For me personally, this is pure healing for the soul and a real quality of life. I can enjoy it without depressing thoughts in my head because I know that my finances are in order and running on autopilot.

➡️ Outlook

May will be a no-spend month for me, simply because I feel like taking on the next challenge. Later in the year, I want to start a Hartz IV/citizen's allowance experiment. I should be able to do this most of the time, as my expenses in March and April were both under €1,000. I'm already looking forward to the evaluation at the end of the challenge.

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

$AAPL (+0,57 %)
$MSFT (+0,62 %)
$NVDA (-2,46 %)
$AMZN (-0,1 %)
$GOOGL (-0,13 %)
$META (+0,56 %)
$TSLA (-2,92 %)
$AVGO (+0,55 %)
$NFLX (+2,13 %)
$AMD (-1,82 %)

Absolute valuation levels

Above all Microsoft, Nvidia, Google, AMD and Amazon are quoted below their long-term median multiples.

Valuation multiples compared to expected sales growth

If the expected sales growth by analysts over the next 3 years the following picture emerges...

• Per 1% growth, the following appear to be the most important Nvidia, AMD, Google, Meta and Amazon appear the most favorable.

• Apple performs less well here due to its slow growth, but the company is not generally unattractive as an investment, e.g. due to the high buybacks.

• Tesla appears expensive at first glance - however, the forward P/S is currently not excessively high due to the distorted earnings.

• Netflix had a good run and appears somewhat expensive compared to growth, at least on the basis of multiples. The situation is similar for Broadcom.

• Microsoft swims in the midfield.

What do you think of the valuation levels of Mag-7 & Co.