ING Groep ADR Rep 1

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- GOLDMAN raises the price target for DELL from USD 155 to USD 165. Buy. $DELL (+2,56 %)

- GOLDMAN raises the price target for ANALOG DEVICES from USD 247 to USD 261. Buy. $ADI (+2,04 %)

- GOLDMAN raises the price target for HP INC from USD 35 to USD 38. Neutral. $HPQ (+0,51 %)

- WARBURG RESEARCH raises the price target for VONOVIA from EUR 40.20 to EUR 42.30. Buy. $VNA (+2,37 %)

- WARBURG RESEARCH upgrades STRATEC from Hold to Buy. Target price 40 EUR. $SBS4

- DEUTSCHE BANK RESEARCH raises the price target for DEUTSCHE BÖRSE from EUR 235 to EUR 237. Buy. $DB1 (-0,38 %)

- MORGAN STANLEY raises the target price for DEUTSCHE TELEKOM from EUR 33 to EUR 38. Overweight. $DTE (-0,92 %)

- GOLDMAN raises the price target for TRATON from EUR 31.80 to EUR 35.50. Neutral. $8TRA (-1,87 %)

- GOLDMAN raises the price target for BRENNTAG from EUR 94 to EUR 95. Buy. $BNR (+0,14 %)

- BERENBERG upgrades EQUINOR from Hold to Buy and raises target price from NOK 290 to NOK 325. $EQNR (-0,22 %)

- JPMORGAN raises the target price for BEIERSDORF from EUR 150 to EUR 160. Overweight. $BEI (-0,06 %)

- JPMORGAN upgrades HENKEL from Neutral to Overweight and raises target price from EUR 82 to EUR 100. $HEN (+0,54 %)

- JPMORGAN upgrades BRITISH AMERICAN TOBACCO to Neutral. $BATS (-0,24 %)

- JPMORGAN raises the price target for EON from EUR 15.50 to EUR 16. Overweight. $EOAN (-0,18 %)

- JPMORGAN raises the target price for AUTO1 from EUR 12.10 to EUR 17.10. Overweight. $AG1 (+3,11 %)

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- STIFEL lowers the price target for SIEMENS from EUR 207 to EUR 202. Buy. $SIE (-0,29 %)

- JPMORGAN lowers the price target for HP INC from USD 41 to USD 40. Overweight. $HPQ (+0,51 %)

- WARBURG RESEARCH lowers the price target for LANXESS from EUR 40 to EUR 37. Buy. $LXS (-0,26 %)

- CITIGROUP lowers the price target for BASF from EUR 49 to EUR 46. Neutral. $BAS (-0,12 %)

- RBC lowers the target price for COMMERZBANK from EUR 18 to EUR 17.25. Sector Perform. $CBK (-1,64 %)

- RBC lowers the target price for ING from EUR 17.50 to EUR 16.75. Sector-Perform. $ING (-0,67 %)

- RBC lowers the price target for BNP PARIBAS from EUR 79 to EUR 78. Outperform. $BNP (-0,42 %)

- JPMORGAN lowers the price target for ELRINGKLINGER from EUR 6.70 to EUR 6. Neutral. $ELLRY

- JPMORGAN lowers the price target for SYMRISE from EUR 130 to EUR 120. Overweight. $SY1 (-0,34 %)

Analyst updates, 25.11.

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- MORGAN STANLEY upgrades ROBINHOOD to Overweight. Target price USD 55. $HOOD (+3,38 %)

- BARCLAYS raises the price target for DEUTSCHE TELEKOM from EUR 37 to EUR 39.50. Overweight. $DTE (-0,92 %)

- BERENBERG raises the target price for SIEMENS ENERGY from EUR 35 to EUR 70. Buy. $ENR (+2,08 %)

- UBS raises the target price for RHEINMETALL from EUR 570 to EUR 630. Neutral. $RHM (-0,78 %)

- BARCLAYS raises the price target for 1&1 from EUR 17 to EUR 20. Equal-Weight. $1U1 (-0,61 %)

- DEUTSCHE BANK RESEARCH upgrades VESTAS from Hold to Buy. $VWS (-2,71 %)

- DEUTSCHE BANK RESEARCH raises the price target for VONOVIA from EUR 33 to EUR 38. Buy. $VNA (+2,37 %)

- DEUTSCHE BANK RESEARCH raises the price target for TAG IMMOBILIEN from EUR 16 to EUR 18. Buy. $TEG (+2,01 %)

- DEUTSCHE BANK RESEARCH upgrades AROUNDTOWN from Sell to Hold. Target price EUR 2.80. $AT1 (+4,46 %)

- DEUTSCHE BANK RESEARCH raises the price target for LEG IMMOBILIEN from EUR 90 to EUR 105. Buy. $LEG (+2,8 %)

- DEUTSCHE BANK RESEARCH upgrades DEUTSCHE WOHNEN from Hold to Buy and raises target price from EUR 19 to EUR 28. $DWNI (+1,2 %)

- STIFEL raises the price target for NOVARTIS from CHF 106 to CHF 109. Hold. $NUVN

- DEUTSCHE BANK RESEARCH upgrades JD SPORTS FASHION from Sell to Hold. $JD. (-1,28 %)

- DEUTSCHE BANK RESEARCH raises the price target for ALSTOM from EUR 22 to EUR 25. Buy. $ALO (-0,84 %)

- MORGAN STANLEY raises the price target for DEUTSCHE BÖRSE from EUR 213 to EUR 232. Equal-Weight. $DB1 (-0,38 %)

- KEPLER CHEUVREUX raises the target price for ECKERT & ZIEGLER from 57.30 EUR to 60.30 EUR. Buy. $EUZ (+1,36 %)

- BARCLAYS raises the target price for UNITED INTERNET from EUR 23 to EUR 26. Equal-Weight. $UTDI (-1,53 %)

- JEFFERIES raises the price target for HEIDELBERG MATERIALS from 142.10 EUR to 145.50 EUR. Buy. $HEI (-0,69 %)

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- DEUTSCHE BANK RESEARCH lowers the price target for KION from EUR 55 to EUR 50. Buy. $KGX (+0,89 %)

- DEUTSCHE BANK RESEARCH lowers the price target for CTS EVENTIM from EUR 114 to EUR 106. Buy. $EVD (-0,58 %)

- GOLDMAN downgrades ORSTED from Buy to Neutral and lowers target price from DKK 520 to DKK 445. $ORSTED (-0,3 %)

- DEUTSCHE BANK RESEARCH lowers the price target for H&M from SEK 200 to SEK 190. Buy. $HM B (+0,73 %)

- MORGAN STANLEY lowers the price target for MERCK KGAA from EUR 200 to EUR 190. Overweight. $MRK (-1,77 %)

- BARCLAYS lowers the target price for THYSSENKRUPP from EUR 4.40 to EUR 4. Underweight. $TKA (-1,72 %)

- MORGAN STANLEY downgrades ING to Equal-Weight. Target price EUR 17.50. $ING (-0,67 %)

- JPMORGAN lowers target price for RWE from EUR 48 to EUR 47.50. Overweight. $RWE (-0,18 %)

How I beat the MSCI World by over 25,000% over 13 years

Part 3: My girlfriend with no financial know-how changed everything

You can find the first part of my investment story (incl. background and TL;DR) here: https://getqu.in/JldknL/

The second part here: https://getqu.in/Ptei6g/

Welcome to the third part of investing failures, bad luck and mishaps. What do you think? How many parts did I need to make a Netflix documentary out of it?

Money, money, money

In the meantime (2018), I had taken on first a small, then a slightly larger management position. How did I manage that? Quite simply. With the first one, I went on my boss's balls until I got it. At the second, there was a restructuring and my boss asked me. Once again, I was in the right place at the right time. My part-time degree (which I hadn't completed yet) certainly helped, as I was able to prove my resilience and stamina. This enabled me to increase my gross annual salary from 36,000 euros to just under 50,000 euros and later to around 75,000 euros. As my cost of living only increased marginally at the same time, I suddenly had a lot of money at my disposal. Reason enough for me to take a closer look at my finances for the first time.

Where to put all the money?

First of all, I started writing down and calculating my previous investments and the associated returns. Manually in a text file. Fortunately, there's getquin for that nowadays. However, writing things down by hand helped me to understand how returns and the like are calculated in the first place, what influencing factors there are, what effect they have, ... In any case, I had the feeling that my bank advisor always told me a lot of nice things, but the returns were usually terrible. And I was right.

So I resolved not to follow any more stupid recommendations from my bank advisor. Instead, I managed very well to continue making stupid decisions myself. This included, for example, an investment in a subordinated loan from a local company via crowdfunding (the risk/return ratio was terrible, but it worked out well) and a savings plan on an ETF with a high dividend and low return.

However, I also made some decisions that I would describe as "still okay". For example, the investment in P2P loans and in a DAX ETF. By chance, my savings plans in $IWDA (+0,23 %) and an IT ETF. In a way, I invested in everything that wasn't up to scratch. @Koenigmidas I still do that today 😘.

However, most of my money continued to flow into fixed-term deposit accounts, as I still had my sights set on financing my own home.

A high savings rate can make stupid investments (partially) offset

My assets have now grown to a 6-digit amount. I don't remember exactly how much (and probably didn't know at the time). Maybe just under 200k. It's crazy when you consider that I was mainly investing in building society savings, life insurance, fixed-term deposits, Riester and mutual funds and the crypto market was at rock bottom. But my savings rate was simply phenomenal at the time, I started very early thanks to my parents and the unit-linked Riester pension was doing pretty well 🚀.

In 2019, I had finally completed my part-time studies after my Abitur, Bachelor's and Master's degrees and had also finished my one-year intensive English course. This gave me time to focus even more on my finances and learning. First on the agenda was crypto. I started to understand my crypto investments and realize what nonsense I had invested in. So I sold many (not all) of my altcoins and reallocated the proceeds into $BTC (-2,6 %) and $ETH (-2,72 %) reallocated. I no longer had an exit plan, but had written off the money and wanted to hodl until it became worthless or life-changing. When the bull run started in 2020, I reinvested in some nonsensical altcoins via a savings plan and tried out crazy crypto products on Binance 🤦. Needless to say, I only lost money.

At the same time, I bought my first individual shares. As an IT nerd, I stumbled across a book about companies with a modern corporate culture and a focus on IT. That was the only (!) basis for buying $ING (-0,67 %) and $ETSY (-1,16 %) 😅. As you can see, even a few years ago I was still traveling without sense and reason. Looking back, however, at 36 euros was an ideal entry price, at least for Etsy, and at 100 euros not a bad price to sell at. I was able to sell the ING shares at +/- 0 after holding them for a few years.

Water becomes wine. Fixed-term deposits become ETFs.

I was so convinced of myself and at the same time so convincing that some people developed boundless confidence in my abilities, who were actually at bank advisor level. This included my girlfriend, whom I recommended to start a savings plan on an MSCI World (lucky guess). And she did. With 700 euros a month 🤯. And I fed my ETF with 500 euros a month despite my higher income and supposedly higher financial building. That was the wake-up call for me. "Donkey" I thought to myself. "Donkey, how can it be that your girlfriend, to whom you have just explained the world of finance, has a higher savings rate than you?". I had to stop preaching wine (ETFs) and drink water (fixed-term deposits). And that's what I did. From then on, I saved significantly more in my poorly chosen ETFs and correspondingly less in call money and fixed-term deposits. Looking back, this was one of two decisive turning points in my investment career.

The second turning point in my investing career was Kellogg's $K (-0,77 %). But more on that in part 4: https://getqu.in/d4GUta/

$DRO (+0,81 %) My trailing stop loss order took effect yesterday. I was on the road and busy the last two days and would not have had the opportunity to realize my profits promptly. I had set myself a target of taking 1k profit on the small investment and therefore let my stop loss grow dynamically, which is possible with the $ING (-0,67 %) is possible. I had also invested at the end of last year, before the recent hype started. Set yourself clear goals, that makes investing easier.

And as you can see from the info from @Der_Dividenden_Monteur this is a potential dilution of the share (doesn't mean that it won't go up again, of course). I wouldn't have noticed the information, but I was able to find out without much effort through this community here and in particular @Der_Dividenden_Monteur by simply opening the app, read it as the top post in my timeline and directly on the IR page of $DRO (+0,81 %) page. Even if the order at ING had already taken effect, I would have sold by then at the latest.

But I find #getquin and this community and therefore all of you who post here regularly are great!

Thanks for that, keep up the good work and don't let all the moaners and grumblers demotivate you.

Everyone should (be allowed to) form their own opinion and that's why it's also great that some $DRO (+0,81 %) buy more, others sell 50%, others sell everything and some just hold on. Treat others with respect and as you would like to be treated yourself. If in doubt, swallow your emotions for a moment, distract yourself before you post emotionally. On the other side is a person who could be hurt by this.

Of course, I don't have a crystal ball, so I may buy again or just leave it completely. I'll leave the speculation to others :-).

#community
#pennystocks
#pennystock
#keepinvesting

5 Dividend shares

Meal together,

In addition to my €150 savings plan, I now want to invest 5 x €10 in dividend shares.

Which ones could you recommend?

So far I've put these together, but as I said, improvements are welcome 😅

$BAS (-0,12 %)

$MBG (-0,07 %)

$DWS (-0,58 %)

$BMW (+0,87 %)

$ING (-0,67 %)

What do you think of the $ISP (-0,94 %) , $BARC (+1,7 %) , $ING (-0,67 %)

still have a bit of money on the side 1k and would have divided it into the three or are there better ideas and tips? ( and savings plan of course)

I thought long and hard about taking this month off and waiting for better opportunities.

Now I've decided on two investments after all.

On the shortlist were:

t row price $TROW (+1,25 %)

Ing $ING (-0,67 %)

Mutares $MUX (-2,14 %)

delivery hero $DHER (+3,05 %)

Shell $SHEL (-0,74 %)

Decision:

ING 1200€ (will be further expanded)

delivery hero 1900€ (short-term investment)

I would like to hear from you. Which share would you have bought now?

Winner of the weekly challenge 𝙰𝚔𝚝𝚒𝚎𝚗 𝚒𝚖 𝙵𝚒𝚗𝚊𝚗𝚣𝚜𝚎𝚔𝚝𝚘𝚛 🏦 is...

@DonkeyInvestor With his post about his first share of the $ING (-0,67 %)A

Click here for the article:

https://app.getquin.com/activity/xgdhlMkHHv

Thanks for the other posts!

The new topic is:⚡ 𝙴𝚛𝚗𝚎𝚞𝚎𝚛𝚋𝚊𝚛𝚎 𝙴𝚗𝚎𝚛𝚐𝚒𝚎 𝚞𝚗𝚍 𝚄𝚗𝚝𝚎𝚛𝚗𝚎𝚑𝚖𝚎𝚗 𝚒𝚗 𝚍𝚒𝚎𝚜𝚎𝚖 𝙱𝚎𝚛𝚎𝚒𝚌𝚑⚡

Many thanks from @Staatsmann for the suggestion.