August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.

Overall performance

After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month of August): +1.01 % (previous month: +3.82 %)
• TTWROR (since inception): +73,69 %
• IZF (month of August): +12.50 % (previous month: +46.14 %)
• IZF (since inception): +10,79 %
• Delta: +794.74 €
• Absolute change: +1,850.61 €

Performance & volume

My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (+0,06 %) falls back. Rising in terms of performance$MAIN (-0,28 %) and there, too, the$SAP (+0,06 %) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (+0,98 %) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (-1,56 %) has risen from the cellar. But this share still has a long way to go.

Size of individual share positions by volume in the overall portfolio:

Share (%) of total portfolio and associated portfolio:

• $AVGO (+0,14 %) : 3.30 % (main share portfolio)
• $NFLX (-1,47 %) 1.98 % (main share portfolio)
• $WMT (+0,81 %) 1.72 % (main share portfolio)
• $FAST (+0,44 %) s: 1.69 % (main share portfolio)
• $BOA 1.45 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share proportion (%) of the total portfolio and associated securities account:

• $SHEL (-0,74 %) : 0.42 % (crypto follow-on portfolio)
• $NOVO B (+0,98 %) 0.49 % (main share portfolio)
• $HSBA (+0 %) 0.54 % (crypto follow-on portfolio)
• $TGT (-1,48 %) 0.57 % (main share portfolio)
• $GIS (-1,37 %) 0.61 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $AVGO (+0,14 %) : +328 % (main share portfolio)
• $NFLX (-1,47 %) : +176 % (main share portfolio)
• $FAST (+0,44 %) +83 % (main share portfolio)
• $MAIN (-0,28 %) : +79 % (main share portfolio)
• $SAP (+0,06 %) +74 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $TGT (-1,48 %) : -36 % (main share portfolio)
• $GIS (-1,37 %) -31 % (main share portfolio)
• $UPS (-0,22 %) -26 % (main share portfolio)
• $NKE (-1,83 %) -25 % (main share portfolio)
• $NOVO B (+0,98 %) -21 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

• ETFs: 38.3 %
• Equities: 59.0 %
• Crypto: 2.60%
• P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 79.00
• Subsequent purchases/one-off savings plans as a cashback annuity from bonuses/incentives from the KK: € 20.00
• Subsequent purchases from other surpluses: € 30.00
• Automatically reinvested dividends by the broker: € 3.01 (this function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 55.00 € for $JEGP (+0,35 %)
• 
  44.00 € for $GGRP (-0,54 %)
• 
  30.00 € for $FGEQ (-0,24 %)
• 
  295.08 € for $DXSA (+0,09 %) (funds from the sale of a $ETH (+0,1 %) tranche)

If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.

Passive income from dividends

My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 22
• Number of payment days: 12 days
• Average dividend per payment: € 5.83
• average dividend per payment day: € 10.70

The top three payers are:

• $IWDP (-0,39 %)
• 
  $ISPA (-0,14 %)
• 
  $ZPRG (-0,13 %)

My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.

Crypto performance

My crypto portfolio was characterized by the partial sale of a $ETH (+0,1 %) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.

Here are some key figures:

• Monthly performance portfolio: +0.29 %
• Performance since inception: +134.35 %
• Share of holdings for which the tax holding period has expired: 98.55 %.
• Crypto share of the total portfolio: 2.20 %

The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%

As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows

• TTWROR (current month): +1,01 %
• $VWRL (-0,15 %) : -0,33 %
• $VUSA (-0,11 %) : -1,13 %

Outlook and a private bonus

My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.

A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.

Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.

My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.

So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How was your August at the depot? Do you have any tops and flops to report?

Leave your thoughts in the comments!

$NKE (-1,83 %)

hi together,

The Nike share is currently back at the upper trend line of the downward trend channel.

Whether you pay attention to the charts or not is up to you, but the resistance is conspicuous, both at the top and at the bottom.

With an investment horizon of this one share of up to the next 3-5 years and currently up approx. 10%, do you see new upside potential or is it bobbing along at a few percent p.a.?

I would be interested in your opinion!

Thank you!

Now that I have reached this milestone, I would like to present my portfolio again. I am 39 years old, married and have a 9-month-old daughter. Due to my wife's parental leave and my own (3 months), I had to reduce my monthly savings rate this year and was also unable to make any major additional purchases during the dip in April. We live in an apartment in Munich that is still encumbered with EUR 220,000. I own 60% of the apartment and my wife 40%.

The aim is to be debt-free by the age of 50, double the value of the deposit and generate a dividend of EUR 1,000 per month.

My portfolio currently has $PLTR (+4,15 %) and of course I also have a few securities at the start that are clouding the picture: $P911 (+0,31 %) , $NKE (-1,83 %)
$PEP (-0,6 %)

Comments, questions and remarks are always welcome.

$NOVO B (+0,98 %) & $QCOM (+0,26 %) increased, but $NKE (-1,83 %) completely out.

Would you sell if you have nothing to offset?

Permanent loser $NOVO B (+0,98 %)
$MC (+0,59 %)
$NKE (-1,83 %)
$ADBE (-3,55 %)

I want to get out of shares in the long term, only ETFs with dividends. Because I always sell shares all the time, I have to realize the profit all the time! Of course you don't make good money in the long term that way.

As a result, I don't really want any more shares, but the losses? Just sit it out for years or get out?

It's different with ETFs with dividends, regular cash flow, which I then also hold.

#verlusterealisieren
#verlust
#strategie

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 (+0,02 %) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (-0,06 %) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+0,35 %) 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 (-0,34 %) 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 (+0,44 %) 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 (-0,41 %) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-2,94 %) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (-0,15 %) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (-0,69 %) 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 (-1,83 %) 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 (-1,07 %) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (-1,67 %) 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 (-0,74 %) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-1,05 %) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (+0,83 %) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0,49 %) 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 (+0,03 %)
$SOL (-0,06 %)

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

Thank you very much

The start of summer in June combined sport and leisure for me. By that I mean swimming, hiking, running and sport at home. Apart from the incoming dividends, I hardly noticed anything on the stock market. It was not the strongest distribution month due to the postponement of three distributions, but it was still a very strong one. Time for a review.

Overall performance

The portfolio tended to tread water in June, but that is no cause for concern. Bit by bit, it is fighting its way out of the lows of the customs conflict. And cash flow continues to be generated by distributions to the clearing accounts. The key performance indicators are:

• TTWROR (month of May): +0.19 %
• TTWROR (since inception): +65,45 %
• IZF (month of May): +2.47 %
• IZF (since inception): +10,21 %
• Delta: +€148.63
• Absolute change: +1,173.63 €

Share allocation & performance

Which shares performed particularly well in June? Which are at the top and which at the bottom of the rankings? Which were the biggest losers?

Size of individual share positions by volume

• Share: Share of total portfolio in % (securities account)
• $AVGO (+0,14 %) 2.78 % (main share portfolio)
• $NFLX (-1,47 %) 2.20 % (main share portfolio)
• $WMT (+0,81 %) 1.71 % (main share portfolio)
• $SAP (+0,06 %) 1.59 % (main share portfolio)
• $FAST (+0,44 %) 1.55 % (main share portfolio)

Smallest individual share positions by volume:

• Share: Share of total portfolio in % (securities account)
• $SHEL (-0,74 %) 0.44 % (crypto follow-on portfolio)
• $HSBA (+0 %) 0.54 % (crypto follow-on portfolio)
• $TGT (-1,48 %) 0.62 % (main share portfolio)
• $GIS (-1,37 %) 0.63 % (main share portfolio)
• $CPB (-1,56 %) 0.64 % (main share portfolio)

Top-performing individual shares

• Share: Performance since first purchase % (securities account)
• $AVGO (+0,14 %) : +261 % (main share portfolio)
• $NFLX (-1,47 %) : +198 % (main share portfolio)
• $SAP (+0,06 %) +106 % (main share portfolio)
• $WMT (+0,81 %) : +68 % (main share portfolio)
• $RSG (-1,62 %) +47 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $DHR (-2,94 %) -57 % (main share portfolio)
• $CPB (-1,56 %) -42 % (main share portfolio)
• $TGT (-1,48 %) -37 % (main share portfolio)
• $GIS (-1,37 %) -36 % (main share portfolio)
• $NKE (-1,83 %) -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.7% to 61.3%. This differs from the breakdown of my ETFs to equities savings plans (43% to 57%). Equities have performed better, which is due to the fact that I also include high-dividend ETFs in the ETFs.

Investments and additional purchases

Here is a brief overview of what I have invested in savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuity from refunds: € 32.32
• Automatically reinvested dividend by broker: € 7.25 (Function is only activated for an old custody account, as I want to control the reinvestment myself)

Additional purchases were made from other surpluses:

• Number of additional purchases: 2
• 25.00 € for $FGEQ (-0,24 %)

There were no additional purchases from the components of my cashback pension (e.g. reimbursements from health insurance premiums, insurance premiums, shopping vouchers, etc.) this month.

If you would like to know how my cashback pension supplements my equity and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 152.30 (€ 179.04 in the same month last year). This corresponds to an increase of -14.94 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 31
• Number of payment days: 15 days
• Average dividend per payment: € 4.91
• average dividend per payday: € 10.15

The top payers are:

• $VNA (-0,3 %)
• 
  $ARCC (-0,63 %)
• 
  $TDIV (-0,34 %)

My passive income from dividends (and some interest) mathematically covered 15.91% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +3.81 %
• Performance since inception: +79.49 %
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.19 %

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my passive income strategy. The first profits have already been realized and more will definitely follow. For me, crypto is a lever to turn play money into even more play money, which is then put into the solid distributors to make the income snowball grow bigger and bigger. New accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +0.19 %
• $VWRL (-0,15 %) : +0.39 %
• $VUSA (-0,11 %) : +1.24 %

Outlook and conclusion

I'm using the summer, which has already begun, not only for hiking, but also for city trips for my "non-financial" TikTok and Insta channel. I can often be found at one of the lakes near Leipzig, which were once created from the open-cast mining pits of the brown coal era. It's nice that the lunar landscapes have become a local recreation area. That's why I'm less active at the moment. That will certainly change again in the fall.

For now, I'm just enjoying life, and my money continues to work stubbornly and steadily for me in the background. Current events in the world and in politics don't interest me in the slightest. As I write this review, the first third of the summer will soon be over.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 You'll find regular posts there as well as the portfolio and budget review: @frugalfreisein

How did your June at the depot go? Do you have any tops & flops to share? Leave your thoughts in the comments!

Hello to the community ✌️

I would like to reduce the size of my portfolio.

my portfolio currently consists of 1 ETF and 40 individual shares.

my goal is to reduce the number of individual stocks to around 30-32 positions over time 🤔

There are currently 2 positions at the top of the closing list

$NKE (-1,83 %)
$REGN (-1,11 %)

I would like to add 2,3 more positions, but unfortunately I don't have the imagination to get rid of them 😅

Maybe with the help of the community here, to make the decision a little easier😬

On the other hand, I also want to $COST (+0,42 %) & $WM (-1,07 %) despite the still high valuations, but they are absolute Dauerläufer🤷🏼‍♂️

What are your opinions?

which positions would you throw out?

and why exactly these?

Thank you !

Subscribe to the podcast to shoot warrants. Have you already traded warrants?

Spotify

https://open.spotify.com/episode/6eUCipCIN8uP4yhBAEKzoz?si=5Ql0bFgMRF2SukJnu3DEHQ

YouTube

https://youtu.be/wNa1Y2te0bk

Apple Podcast

https://podcasts.apple.com/us/podcast/99-optionsscheine-f%C3%BCr-anf%C3%A4nger-mit-patrick-kesselhut/id1695869891?i=1000716954142

$NKE (-1,83 %)
$RHM (+0,57 %)
#options
#optionsschein
#optionsscheine
#hebel
#hebelprodukte
#derivate

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (-0,01 %) Deka DividenenStrategie - €100 per month.
• $CSPX (-0,1 %) Ishares S&P 500 - 50 €/month
• $VWCE (-0,23 %) Vanduard FTSE All World - 50 €/month
• $BRK.B (-0,56 %) Berkshire Hathaway B - €50/month
• $SMEA (-0,41 %) Ishares MSCI Europe 50 €/month
• $VHYL (-0,32 %) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (+1,87 %) , $AMZN (-0,74 %) , $AAPL (+1,9 %) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,06 %) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0,03 %) buy.

Should be removed from the portfolio:

• $TGT (-1,48 %) Target
• $NKE (-1,83 %) Nike
• $D6RF (+0,02 %) Deka Umweltinvest
• $DEDG (+0,84 %) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)