$SZG (-2,84 %)
$HYQ (-6,64 %)
$ABX (-2,91 %)
$BBAI (+1,52 %)
$PLUG (+4,85 %)
$GPRO (-5,33 %)
$TEG (+0,91 %)
$1SXP (-0,72 %)
$SE (+1,18 %)
$ETOR (-1,81 %)
$NCH2 (-3,63 %)
$TUI1 (-1,57 %)
$VWS (-3,19 %)
$R3NK (-2,46 %)
$EOAN (-0,47 %)
$CSCO (-0,09 %)
$SLI (+1,55 %)
$HFG (-3,43 %)
$HTG (+0,16 %)
$HLAG (-1,77 %)
$TKA (-2,05 %)
$DOU (+0 %)
$RWE (-2,03 %)
$BIRK (+0,55 %)
$9618 (-0,32 %)
$DE (+0,39 %)
$FR (+1,15 %)
$NU (-1,09 %)

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (-0 %) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,22 %) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+0,46 %) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (-0,29 %) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (-1,15 %) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (+0,79 %) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-0,09 %) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+0,96 %) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+0,39 %) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (-1,02 %) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+0,51 %) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (-0,09 %) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (-0,22 %) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-0,51 %) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-1,09 %) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0,06 %) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+1,62 %)
$SOL (-1,13 %)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

After three days of stable upward movement, shares are showing some uncertainty on Friday afternoon. The Dow Jones Industrial Average is in the red, while the S&P 500 is hovering around the zero line and the Nasdaq is starting the day with a small gain of 0.4%. Alphabet's positive result is a breath of fresh air for the Nasdaq, but the weak outlook from Intel $INTC (+4,64 %) casts a shadow over investor sentiment. Behind the scenes, the fear of tariffs remains present and the future of the US economy is in focus. According to the University of Michigan, the consumer sentiment index improved to 52.2 from 50.8 previously. Nevertheless, the result remains among the weakest readings in the last three years and sentiment has now fallen for four months in a row. Investors are therefore caught between positive corporate news and uncertain economic conditions.

In the USA, Cisco Systems, Inc. $CSCO (-0,09 %) is a true giant in the field of Internet protocol-based network technology. Founded in 1984 in San Jose, California, the company designs, manufactures and sells an impressive portfolio of products for the communications and information technology industry. With a comprehensive switching portfolio that covers campus and data center switching, as well as a routing portfolio that connects public and private networks, Cisco shows that they are at the forefront of the digital world. Their security solutions, which include network security, identity and access management, and threat detection and response, are critical at a time when cyberattacks are ubiquitous. Cisco also offers a wide range of collaboration products such as the Webex Suite and solutions for hybrid cloud environments. The products and services are sold directly and through system integrators, service providers and other resellers, giving Cisco a broad market presence.

Sources:

https://finance.yahoo.com/quote/INTC/

https://finance.yahoo.com/quote/CSCO/

I currently have "only" 19 positions in my portfolio, and yet there are stocks that go unnoticed by me. They have been in my portfolio for years, don't generate excess returns, pay out dividends from time to time, but are otherwise simply inconspicuous. At <1%, my position is not particularly large and therefore carries little weight.

My current position is in Cisco, for example $CSCO (-0,09 %) . They run quietly and secretly in the background without any big hype or scandal.

Do you also have such positions in your portfolio and which ones are they? Do you just leave them or what do you do with such stocks?

UnitedHealth under suspicion for possible Medicare fraud

In the USA, the Department of Justice is keeping a close eye on UnitedHealth Group $UNH (+2,76 %) as the company is the subject of a civil fraud investigation. The focus of this investigation is the recording of diagnoses that could potentially lead to UnitedHealth receiving higher payments under the Medicare program. Reports suggest that the company may have acted unlawfully, raising serious questions about its integrity and business practices. If the suspicions are confirmed, it could have far-reaching consequences not only for UnitedHealth, but also for the entire healthcare industry. Public attention to such incidents is high and the company faces the challenge of regaining its trust.

Cisco Systems benefits from AI initiatives and required network security!

The technology company Cisco Systems $CSCO (-0,09 %) published its financial results for the third quarter of financial year 2025 on May 14, 2025, exceeding analysts' expectations in terms of both revenue and profit. The strong momentum in the field of artificial intelligence has given the company a positive outlook. In after-hours trading, the share price rose by more than 3% to USD 63.14. This shows that Cisco is able to successfully adapt to the increasing demand for network security and innovative AI initiatives. The company remains a key player in the technology sector and proves that it can operate successfully in a rapidly changing market. These results underline Cisco's strengths and the importance of its solutions for businesses in an increasingly digital world.

Sources:

https://www.finanzen.net/nachricht/aktien/unitedhealth-unter-verdacht-wegen-moeglichen-medicare-betrugs-14488182

https://www.finanzen.net/nachricht/aktien/cisco-systems-profitiert-von-ki-initiativen-und-geforderter-netzwerksicherheit-solide-ergebnisse-im-3-quartal-gemeldet-14488221

First of all: Sorry for the formatting, I can't get it any better on my cell phone. Writing in bold doesn't work, and line breaks are sometimes more than strange. I'll try to change that.

Financial highlights ($CSCO (-0,09 %) )

Revenue: USD 14.1 billion, an increase of 11% compared to the previous year.

GAAP net income: USD 2.5 billion (USD 0.62 per share), an increase of 32% and 35% respectively.

Non-GAAP net income: USD 3.8 billion (USD 0.96 per share), an increase of 8% and 9% respectively.

Operating cash flow: USD 4.1 billion, an increase of 2%.

Business development

Product orders: Up 20% year-on-year; up 9% excluding Splunk.

AI infrastructure: Orders from Webscale customers exceeded USD 600 million and reached the annual target of USD 1 billion one quarter early.

Regional sales development:

Americas: +14 %

EMEA: +8 %

APJC: +9 %

Product categories:

Security: +54 %

Observability: +24 %

Networks: +8 %

Collaboration: +4 %

Margins and expenses

Gross margins (GAAP):

Total: 65.6 %

Products: 64.4

Services: 68.7 %

Gross margins (non-GAAP):

Total: 68.6

Products: 67.6

Services: 71.3 %

Operating expenses:

GAAP: USD 6.1 billion (42.9% of sales)

Non-GAAP: USD 4.8 billion (34.1% of sales)

Operating result:

GAAP: USD 3.2 billion (22.6% margin)

Non-GAAP: USD 4.9 billion (34.5% margin)

Outlook

Q4 FY2025 guidance:

Sales: USD 14.5-14.7 billion

GAAP-EPS: 0.62-0.67 USD

Non-GAAP EPS: USD 0.96-0.98

FY2025 overall forecast:

Revenue: USD 56.5-56.7 bn

GAAP-EPS: 2.53-2.58 USD

Non-GAAP EPS: USD 3.77-3.79

Dividend

Cisco has announced a quarterly dividend of $0.41 per share, payable on July 23, 2025 to shareholders of record on July 3, 2025.

Presumably because the New York Times reports on the Pentagon's war plans against China, which Musk was apparently briefed on at the Pentagon today.

In a military conflict between the two economic powers USA and China, the first "Line of Contact" would be a digital one: cyber attacks.

And even if only hypothetical scenarios are reported, this will probably already lead to an intensification of the constant mutual cyber attacks. Information is key.

• Cyberark $CYBR (+1,81 %)
• Palantir Tech $PLTR (-0,22 %)
• Check Point Software Technologies $CHKP (+0,56 %)
• Crowdstrike $CRWD (+1,74 %)
• VeriSign $VRSN (+0,71 %)
• Zscaler $ZS (+1,56 %)
• Okta $OKTA (-0,08 %)
• Cloudflare $NET (-0,21 %)
• Fortinet $FTNT (+2,4 %)
• Cisco Systems $CSCO (-0,09 %)
• Palo Alto Networks $PANW (+1,76 %)
• Akamai Technologies $AKAM (+2,63 %)
• BlackBerry $BB (+1 %)
• NetScout Systems $NTCT (+0,04 %)
• CommVault Systems $CVLT (+2,86 %)

Sources:

• The Pentagon set up a briefing for Musk on plans for a potential war with China.
• NYTimes Liveblog: Trump Administration Live Updates: Trump Rejects Idea of Letting Musk See Secret Plans for War With China

#newyorktimes
#china
#usa
#trump
#pentagon
#elonmusk

Dear community,

I have been investing for almost exactly 3 years now and pursue a dividend strategy with a "core" of 3 monthly saved ETFs.

After a personally difficult year in 2024, I am trying to keep my savings rate at € 200-300 per month in 2025.

This will be divided as follows:

50-100€ FTSE

30-50€ Europe

20-30€ EM IMI

The remaining approx. 100€ goes into my dividend share portfolio. I don't usually make any really strategic choices there to continue saving... I just save the ones I want... As I want to keep all the shares, I perhaps don't see any real reason to make a critical selection.

Maybe you can still give me some tips.

I would like to add 6 more dividend payers to my dividend portfolio in the future.

$CAT (-1,32 %) , $CL (+0,25 %) , $BATS (+1,79 %) , $CSCO (-0,09 %) , $SIE (-2,07 %) , $WFC (+0,28 %)

Thank you for your attention.

As every Sunday, the most important news from the past week, as well as the most important dates for the coming week.

Also as a video:

https://youtube.com/shorts/qwz6dsaeNi4?si=uQ4zQHw4NJjDUFFf

Monday:

$MCD (+0,69 %) McDonalds delivers surprisingly poor figures. In the USA, sales fell by 1.4 % in the 4th quarter; experts had only forecast a fall of 0.4 %. Adjusted profit also fell by 5 % to USD 2.04 billion. However, McDonalds grew worldwide and surprised analysts positively.

https://www.handelsblatt.com/unternehmen/handel-konsumgueter/fastfood-mcdonalds-mit-ueberraschend-hohen-einbussen-im-us-geschaeft/100106947.html

Tuesday:

Turnover at the French luxury goods conglomerate $KER (-1,17 %) Kering declines significantly. The main reason for this is weak figures at the Italian subsidiary Gucci. Overall, turnover fell by 12% to 17.2 billion euros in 2024. The slump in consumption in China in particular is weighing on earnings. However, Pinault is seeing the first signs of recovery from China.

https://www.handelsblatt.com/unternehmen/industrie/geschaeftszahlen-im-newsblog-tui-erwirtschaftet-hoeheren-gewinn-jahresziele-unveraendert-/24098412.html

Wednesday:

$TMV (-1,11 %) TeamViewer shines with strong figures and is optimistic. Double-digit growth is planned again from 2027. The Göppingen-based company aims to generate sales of one billion euros as early as 2028. On balance, Teamviewer generated a profit of 123.1 million euros in 2024.

https://www.t-online.de/finanzen/boerse/ticker/teamviewer-will-mittelfristig-zurueck-zu-zweistelligem-wachstum/0DB4980021007F08/

US inflation data is somewhat hotter than expected, causing the markets to slump. Experts were expecting an inflation rate of 2.9% for January, which turned out to be 3.0%.

https://www.handelsblatt.com/finanzen/geldpolitik/verbraucherpreise-us-inflation-steigt-im-januar-ueberraschend-auf-drei-prozent/100106814.html

$CSCO (-0,09 %) Cisco raises its forecast and exceeds sales expectations. The reason for this is the high demand from companies for AI infrastructure. This is one of the reasons why Cisco is also increasing its dividend.

https://www.ariva.de/amp/ki-boom-hilft-netzwerkausruester-cisco-11534732

Thursday:

The world's largest and probably most controversial food company is growing again. $NESN (-0,51 %) Nestlé is planning a dividend increase. Sales increased by 2.2 % excluding exchange rate effects. Profit fell by 2.9 % to 10.9 billion Swiss francs.

https://www.nzz.ch/wirtschaft/nestle-waechst-wieder-aus-eigener-kraft-ld.1870435

Friday:

The US economy 🇺🇸 suffered a double setback in January. Retail sales and industrial production were down. Retail sales fell by the most in two years. This was due to the low temperatures and customs duties. Industrial production fell, as economists had expected. The production of motor vehicles in particular was responsible for the decline.

https://de.tradingview.com/news/invezz:f6400bd08600c:0/

These are the most important dates for the coming week:

Monday: 00:50 GDP figures (Japan)

Wednesday: 20:00 FOMC minutes (USA)

Thursday: 08:00 Producer prices (DE)

Can you think of any other dates? Write it in the comments 👇

#bip
#japan
#fomc
#erzeugerpreise