Another diamond in my portfolio 📈

Part 4 of 5: During part 1 and 2 were my apprenticeship years on the stock exchange, Part Part 3 highlighted the very positive years 2019-2021. In part 4 it is now the turn of 2022 and 2023. Part 5 will then conclude my investor story (so far) and shed light on 2024.

2021 was an extremely positive year with a performance of over 30% and assets of almost €200,000 at the end of the year.

However, from mid-2021 onwards, you could already sense that something was slowly changing. Inflation has picked up significantly worldwide. The main reasons for this are the global supply chain problems and the massive money printing by the central banks. Both are direct consequences of the coronavirus pandemic.

The year 2022 - inflation & interest rate turnaround

The year 2022 began with a significant setback in January. My portfolio was down 8% in January. There was a lot of unrest on the markets, inflation was still far too high and it was not clear how much the Fed would raise interest rates. In addition, there were fears that Russia could invade Ukraine - four weeks later this was unfortunately a sad certainty.

Uncertainty - something that the markets do not like at all. In addition to inflation, the war in Ukraine suddenly created another risk: what impact will the war and the sanctions have on global supply chains, which are still under heavy strain? Will this

inflation even further and thus put even more pressure on the central banks?

The stock market was therefore under fire from all sides:

• Supply chains are weighing on companies
• Higher interest rates lead to higher interest costs for companies
• Higher inflation increases salary and purchasing costs, while sales fall as consumers (have to) save more
• Suddenly, call money accounts and bonds become more interesting again and there are alternatives to shares (TINA = there is no alternative was therefore off the table)

Above all tech and growth stocks suffered from further problems:

Many growth companies were not yet profitable, but could borrow money cheaply from anywhere - profits were irrelevant as long as sales were growing. By 2022, this had changed and unprofitable companies were even shunned. Another reason is the valuation of future profits. If inflation is 0%, profits will be worth the same in five years' time as they are today. If inflation is 5%, I have to discount the profit in five years at 5% and suddenly the profit in five years is worth much less in real terms.

If I invest in my portfolio 2022 there are only a few winners:

At the top were defense companies like Lockheed Martin $LMT (-0,47 %)

and Northrop Grumman $NOC (-0,64 %) . This was followed by safe-haven stocks like Pepsi $PEP (-0,26 %)
Unilever $ULVR (-0,18 %) or Johnson & Johnson $JNJ (-0,19 %) Also Encavis $ECV (-0,09 %) was also in demand as an electricity producer due to the lack of gas from Russia.

At the bottom was everything to do with tech had to do with technology. The hardest hit were the unprofitable tech companies like Teladoc Health $TDOC (-1,39 %) or Match Group $MTCH (-2,02 %) caught - both with 70% losses each.

But also Meta $META (-1,33 %)
had price losses of 60%! The reason was not only the general situation but also the lack of faith in the Metaverseso that Meta also had an internal problem. In 2022, Meta was already counted as the next GE or IBM.

But also NVIDIA
$NVDA (-1,56 %) also lost -45% got a good beating. Microsoft $MSFT (-0,98 %)
Apple $AAPL (-1,1 %) and Alphabet $GOOG (-1,62 %) saw their share prices fall by -20 to -35% were also unable to escape.

What has me in the year 2022 keep going in 2022?

On the one hand, the thought that I can now buy many top companies much more cheaply, but on the other hand also the dividends. My dividends increased by almost 50% in 2022 compared to 2021 and at the end of the year I had dividends of over €1,800.

That's an average of €150 per month and that's with dividend growth companies and not high-dividend ETFs or similar.

Nevertheless, the statement at the end of the year didn't exactly look rosy. Having started with €193,000, at the end of 2022 the portfolio only stood at 178.000€ even though I had over 30.000€ invested. Price losses of ~€45,000 hit like a bomb.

After another slap in the face in December 2022 with -5%, everything should suddenly be forgotten at the turn of the year.

The year 2023 - Inflation, high interest rates? Never mind, we have AI!

On November 30, 2022, the world ChatGPT and since then we have been in an AI rallythat still has no end in sight at the end of 2024. The performance of the portfolio has turned 180 degrees. Everything that was at the top in 2022, such as pharma or consumer staples (Procter & Gamble, Pepsi,...) was suddenly at the bottom.

Suddenly at the top were NVIDIA and Meta with almost +200%.

With Crowdstrike, Salesforce and Palo Alto Networks there were

another three doublers in the portfolio. One Apple was with +40% already

rather a low performer.

The stock market got used to the normalized interest rate environment, supply chains were relatively intact again and inflation began to fall. All in all, a positive environment for the stock market, which was driven back up by a megatrend (artificial intelligence).

On the home stretch in December 2023, my portfolio was just about able to make up for all the price losses from 2022. In addition to price gains of ~€45,000, I also invested another ~€30,000, so that my portfolio increased by ~€75,000 in absolute terms.

My portfolio ended the year at ~178.000€ and at just over 250.000€ ended the year.

The dividends have also continued to rise nicely - from 1.900€

to almost 2.400€ upwards.

Asset development & return:

Year Deposit value Return

2022 179.000€ -21%

2023 252.000€ +24%

Vermögensentwicklung 2022-2023:

Outlook:

Vermögensentwicklung 2013-2023:

Outlook:

In the next part, I will look ahead to the year 2024 and thus also my portfolio update / annual overview cover.

The year 2024 continued to be characterized by AI, but also by falling interest rates and some political upheavals (Trump, traffic lights out,...).

The portfolio continued to perform extremely well in 2024, although the savings rate was lower than in previous years due to a number of private issues. Nevertheless, for the first time the 300.000€ in the portfolio was to be significantly exceeded.

Part 1: https://app.getquin.com/de/activity/PElWrODsmV

Part 2: https://app.getquin.com/de/activity/LUkWiLtZKX

Part 3: https://app.getquin.com/de/activity/mQAzDvfidK

#strategy

#personalstrategy

#etfs

#dividends

So now Posi is full

was a good opportunity at the support

In Part 1 I described my start as an investor from 2010 to 2016. Despite loss-making investments and bad decisions (buying AT&T instead of Amazon), I was able to achieve a portfolio value of €35,000. These experiences were to lay the first foundation stone for my future successful investment strategy (https://app.getquin.com/de/activity/PElWrODsmV)

In part 2 I talk about further setbacks in 2017 and 2018 and how the purchase of MasterCard shares marked the turning point in my investment career. Despite initial losses and professional dissatisfaction, I realized that my original strategy wasn't working and discovered the "dividend growth" for me. With a new professional position and a solid salary, I was finally able to really hit the ground running in 2019 (https://app.getquin.com/de/activity/LUkWiLtZKX)

In part 3 it will now be about the years 2019 to 2021 will be discussed. In these 3 years, my portfolio has increased fivefold. From €40,000, it went up to €199,000 in the meantime. But not everything was positive here either. During this time, I also made the two worst trades of my investment career. In addition to Wirecard, there were two other equity investments that resulted in losses of over 80%.

The year 2019 & the first share savings plans:

The year 2019 started with a portfolio balance of ~€40,000 and after my MasterCard purchase in December 2018, my major portfolio reorganization was to continue directly at the beginning of 2019. So in the first four months with Tencent $700 (-0,17 %)
Intel $INTC (-1,28 %)
Salesforce $CRM (-1,2 %)
Alphabet $GOOG (-1,62 %) and Meta $META (-1,33 %) (then still Facebook), five more tech stocks were added to my portfolio. In return I have BHP Billiton $BHP (+0,03 %)
Macy's $M (-1,76 %)
and Hugo Boss $BOSS (+1,75 %) sold.

Later in the year, the shares of Mercedes $MBG (+0,07 %)
and AT&T $T (-0,54 %) were also removed from the portfolio.

In addition to further acquisitions such as Pepsi $PEP (-0,26 %)
Nextera Energy $NEE (-0,92 %)
or Xylem $XYL (-0,84 %) I also recognized the benefits of share savings plans in 2019 and started to set up a pure "savings plan custody account". At that time, this was still done via comdirect or Consorsbank and each savings plan execution cost a fee of 0.75%.

Another sale in 2019 was the Gamestop-share $GME (-1,91 %) . Bought in 2016 to have something to do with gaming in the portfolio, but not taking into account that stationary sales are becoming less and less relevant. In the end, the share price fell by 85% - unfortunately, this was long before the memestock hype emerged.

My portfolio rose to ~€67,000 in 2019 and achieved a return of 23%. However, this was still well below the MSCI World and the S&P 500.

The year 2020 - Corona, Wirecard bankruptcy & 100k before 30 in the portfolio

2020 - a year that few of us will probably forget. While everything was still going reasonably smoothly in January and February 2020, chaos was set to break out from mid-February/March.

The first few weeks of 2020 had given rise to hopes of a very positive development in my portfolio. From the beginning of January to mid-February, my portfolio rose by almost €10,000 to €77,000.

Panic then slowly set in from mid-February. I still remember exactly how trading on the US stock markets was repeatedly suspended for short periods and daily losses of 10% were normal. At 0 o'clock sharp, I looked at the US futures and in seconds the futures went down by -5%. A cap for the futures, the futures loss must not be higher and you knew the next morning it would end badly for the DAX.

But when there is blood in the streets, you can make very good deals! So in March 2020 I bought the Allianz
$ALV (+0,1 %) for €118. This gives me a personal dividend yield of almost 12% based on the current dividend of €13.80. Unfortunately, I only bought for €1,000 in total.

Also Starbucks
$SBUX (-0,82 %) I was able to buy for less than €50.

The stock market crash continued until the Fed made short work of it and ended the crash single-handedly. The crash was ended with interest rate cuts and massive money printing and once again the saying "Never bet against the FED" proved to be true.

The stock markets then went through the roof and within a very short space of time were already back to a positive level compared to the end of 2019. Every share that somehow falls under the term "stay at home" was suddenly the hot tip on the stock market. Whether the Peloton $PTON (-1,42 %)

or Teladoc $TDOC (-1,39 %) everything went through the roof.

I let myself get carried away and did about 10 "Stay at Home" hype stocks into a growth savings plan portfolio. Of these, at the end of 2024 with Sea $SE (-0,38 %) and MercadoLibre $MELI (-0,73 %) only two shares remained. It goes without saying that most of them left the portfolio at a loss.

But 2020 was also the Wirecard year $WDI BaFin's ban on short selling, a year-long audit by EY, political backing and massive investments by German fund managers from DWS, UnionInvest and Deka vs. a journalist from the Financial Times.

Wirecard's claims that the journalist was in cahoots with short sellers and the backing from various institutions were unfortunately too credible for me.

When Wirecard faced the press and announced that EUR 2 billion could no longer be found, things went downhill and it became clear to everyone that the company was heading for insolvency. Before trading was suspended, I was able to sell my shares at a 50% loss and got off lightly.

Later in the year, I was able to conclude an extremely favorable leasing offer and sell my private car. The proceeds went straight into my securities account and I broke the €100,000 barrier in November 2020.

My portfolio then ended the year with a value of ~€120,000. At +5%, my performance was pretty much in line with the MSCI World.

The year 2021 - HYPE! Wall Street bets, crypto and almost 200k in the portfolio

The year 2021 was characterized above all by hypes. Cryptocurrencies, memestocks and memecoins were in the headlines everywhere. Gamestop, Dogecoin, SPACs and NFTs everyone had to have.

Traditional shares became almost boring.

One of the reasons was certainly the checks that the US government issued to its citizens. It was still Corona, many were locked down and suddenly people started gambling on the stock market.

The hype can be illustrated very well using the example of NFTs. In 2021, NFTs worth $17 billion were traded, in 2023 it was only 80 million - a decline of 97%. According to one study, ~95% of all NFTs are now completely worthless.

The madness in one example: Procter & Gamble launched a Charmin toilet paper NFT. This was sold for over $4,000. All proceeds were donated, but a symbol of the madness of 2021.

From a portfolio perspective, 2021 was great! In the end, there was a +32% return and a portfolio value of over €190,000, which at times in November 2021 was €199,000.

My top performers were NVIDIA
$NVDA (-1,56 %) with over 100% price gains and Pfizer $PFE (-0,68 %)
, which was driven by the vaccine hype and at €50 was twice as high as in 2024.

My worst performer was another 80% loss with TAL Education $TAL (-0,27 %) . An education company from China. Unfortunately, this was the first time I was able to experience the political arbitrariness in countries like China. Overnight, it was decided that education/tutoring could only be run as a non-profit. Of course, this was almost a death sentence for the company and the share price plummeted by 80%.

Asset development & return:

After the years 2013 to 2018 were forgettable in terms of returns, the years 2019 to 2021 finally delivered:

Year
Deposit value
Yield

2019 67.000€ +19%

2020 121.000€ +5%

2021 193.000€ +34%

Vermögensentwicklung 2019-2021:

Vermögensentwicklung 2013-2021:

Outlook:

Looking back on the hype year 2021, it is almost obvious that 2022 had to be clearly negative.

After the party, however, came the hangover in the form of inflation and the war in Ukraine. Sharply rising interest rates and global economic concerns did the rest.

In the next part, I would therefore like to look at the years 2022 & 2023. I will then combine 2024 with my review of the year in the last part.

#strategy

#personalstrategy

#etfs

#dividends

🥤 Coca-Cola - More than just a drink ( $KO (-0,33 %) )

Coca-Cola is not just a brand - it's a global phenomenon. Whether you're in the USA, Europe, Asia or Africa, the red and white logo is omnipresent.

But what makes this share so special that it has been one of the favorites of many investors for decades?

🍾 A look at the brand

Coca-Cola is the global leader in the beverage sector and owns over 200 brands, including:

• Sprite
• Fanta
• Schweppes
• Minute Maid
• Costa Coffee
• Fuze Tea
• Powerade

With a market share of around 50 % for soft drinks in the USA and a strong presence in over 200 countries, Coca-Cola is a real heavyweight in the consumer goods industry.

💰 Why Coca-Cola is a dividend king

Coca-Cola has an impressive dividend history:

• 61 consecutive years of dividend increases.
• A current dividend yield of around 3 %coupled with solid increases.
• The company returns around 75% of its profits to shareholders - a sign of stability.

For many investors, Coca-Cola is a reliable cash flow provider, especially in times of crisis.

📈 Why the share remains attractive despite the growth limit

Coca-Cola may be growing more slowly than young tech companies, but there is still potential:

1)
New markets: The company is investing heavily in emerging markets, where per capita consumption of soft drinks is expected to continue to rise.

2)
Diversification: In addition to sugary drinks, Coca-Cola is also growing in areas such as water, coffee and energy drinks through, for example, its ownership of shares in Monster Beverage ( $MNST (-0,8 %) ) .

3)
Inflation protection: With strong brands, Coca-Cola can often easily pass on price increases to customers.

🧠 Thoughts on risks and the future

Critics criticize the dependence on sugary drinks, especially in times when healthy eating is becoming increasingly important.

But Coca-Cola is showing flexibility and investing more in healthier alternatives and sustainable packaging.

🤔 Why I have Coca-Cola in my portfolio

For me, Coca-Cola is a real classic and also the first stock I had in my portfolio.

The stability, the dividend yield and the global strength of the brand make it a perfect basic position in my portfolio.

It's not the most exciting stock, but definitely one that pays off in the long term.

📣 What do you think?

Coca-Cola: A must-have stock for dividend hunters, or are there more exciting alternatives in the consumer goods sector like PepsiCo ( $PEP (-0,26 %) ) or other stocks?

I'm looking forward to your opinions! 🌐

A top opportunity with 10x potential

The share of $CELH has attracted considerable attention in recent years. The company, which specializes in healthy energy drinks and functional beverages, is on the cusp of a new phase of growth. Why could $CELH now be one of the most exciting investment opportunities on the market - and why is a 10x upside potential in the coming years realistic?

---

1. strong growth figures and market position

$CELH has recorded rapid sales growth in recent years. Quarterly sales have regularly increased in the double-digit percentage range, driven by smart sales expansion in North America and internationally. The market for healthy beverages is growing rapidly, and $CELH is excellently positioned with its sugar-free, functional beverages.

Growth drivers:

Expansion in the USA: cooperation with large retail chains such as Walmart, Target and Costco.

International expansion: foray into markets such as Europe, Asia and South America.

Strong brand awareness: Influencer marketing and social media presence are growing the community around the brand.

---

2. market dynamics and future trends

The global demand for healthy alternatives to traditional energy drinks such as Red Bull or Monster is growing steadily. Consumers are increasingly paying attention to ingredients and health aspects. With natural ingredients and functional additives, Celsius offers exactly what the new generation expects.

Market potential:

The global market for functional beverages is estimated to be worth over USD 150 billion by 2030.

$CELH currently only has a small market share - an expansion to 10-20 % is quite realistic with aggressive marketing strategies and new products.

---

3. strong financial base and potential for margin increases

The company has already recorded profitable quarters despite strong growth investments. With an improved production and supply chain and increasing margins through direct sales channels, Celsius could achieve significant profit increases in the coming years.

Forecasts:

Analysts expect annual sales growth of 30-50% over the next five years.

Should $CELH captures even a fraction of the global energy drink market, its market capitalization could easily rise to 10 times its current valuation.

---

4. acquisition as a possible scenario

In view of its impressive growth figures and attractive market position, Celsius Holdings would also be an ideal takeover target for industry giants such as $PEP (-0,26 %) or $KO (-0,33 %) A takeover premium could quickly multiply the share price.

---

Conclusion: Why 10x is realistic

$CELH has all the ingredients for an explosive share price performance: a fast-growing market, a strong brand, a solid financial base and enormous expansion potential. With a consistent implementation of the growth strategy and possible takeover fantasies, a tenfold increase in the current share price in the next 5-7 years is by no means unrealistic.

For long-term investors, now could be the perfect time to invest in $CELH and benefit from this megatrend.

I set up a custody account with Scalable Capital last week.

In addition to my cash flow depotwhich currently pays me a dividend of €709.45 next year (see picture), I will set up a savings plan custody account there.

This savings plan custody account will have a term of 20 years+.

I will pay in €495 per month and divide it between 15 companies as follows:

$GOOGL (-1,62 %) - 33€

$AMZN (-1,61 %) - 33€

$AAPL (-1,1 %) -33€

$ASML (-1,23 %) - 33€

$FAST (-0,99 %) - 33€

$JNJ (-0,19 %) - 33€

$MC (+0,13 %) - 33€

$MCD (-0,51 %) - 33€

$MSFT (-0,98 %) - 33€

$NOVO B (-0,51 %) - 33€

$PEP (-0,26 %) - 33€

$PG (-0,53 %) - 33€

$UNP (-0,94 %) - 33€

$UNH (-0,42 %) - 33€

$V (-0,97 %) - 33€

The savings plans will be executed for the first time on Monday and then continue on a monthly basis.

I will post a monthly update here

Hey friends, today, in the shadow of the incredible share price increases, I'm going to introduce you to a company that probably nobody really has on their radar, but should have. I stock up here from time to time.

It's about the Humble Group AB ($HUMBLE ) based in Stockholm. The company is active in the FMCG (Fast Moving Consumer Goods) and Food-Tech sectors.

The company develops and markets sustainable and health-conscious products, divided into segments such as sustainable care, innovative snacks, high-quality nutrition and distribution in the Nordic region. The products include vegan snacks, sugar-free confectionery, sports nutrition and care products that are also available in our German supermarkets and drugstores.

Humble Group has shown strong growth through consistent mergers and acquisitions, which has had a positive impact on sales and operational synergies.

Going forward, Humble Group plans to increase profitability and scalability through data-driven business strategies and the integration of new acquisitions. The aim is to achieve continuous growth through targeted acquisitions and an improvement in cash flow.

The company is aiming for an average annual organic growth rate of at least 15%. This will be achieved through a mix of organic growth and strategic acquisitions, which will further strengthen overall growth. Sales are to be increased to around SEK 13 billion by 2025.

With a long-term EBITDA margin of 12-15% and the current valuation, the company seems very favorably valued to me. Even if they do not reach the 15% per annum and lower growth figures are assumed, an above-average market return should be expected.

Of course, there is also a greater risk here than with one of the big giants like $PEP (-0,26 %) or others, but there is still a good opportunity here to participate in a long-term growth story or even a takeover by another company.

LG yours

Beetlejuice

In February 2024, I opened a securities account with Trade Republic and started saving 60 "stable" stocks from the S&5 500 per month with the aim of beating the S&P ETF in the long term. Since May, more than 30 additional stocks have been added and have proven to be an excellent decision so far. Among others $SFM (-1,55 %)
$AMP (-1,77 %)
$CMI (-2,02 %)
$SNA (-0,55 %)
$FI (-0,41 %)
$PANW (-1,77 %)
$ANET .

There are now over 150 positions and not only 🇺🇸 shares (over 90%) in the portfolio but also a handful from 🇩🇪🇬🇧🇳🇱🇯🇵🇸🇬. They still have to prove their quality, but so far only 🇺🇸 stocks have delivered performance.

9 months since the start, my "ETF" can keep up quite well although the goal of beating the S&P500 has not yet been achieved. But I'm close and in July the gap was somewhat wider.

Conclusion: The popular dividend stocks have not provided performance in the portfolio as $JNJ (-0,19 %)
$KO (-0,33 %)
$PG (-0,53 %)
$PEP (-0,26 %) The popular growth stocks from the semiconductor sector have not yet been able to prove their quality either. $ASML (-1,23 %)
$SNPS (-1,47 %)
$KLAC (-0,99 %)
$LRCX (-2,14 %)
$AMAT (-1,58 %) The healthcare sector has also been somewhat disappointing. $ISRG (-0,98 %) and $SYK (-0,89 %) are positive exceptions here.

The usual suspects, on the other hand, have performed very well, although Microsoft is lagging a little behind. Otherwise, the financial sector and almost all stocks in the industrial sector have performed well so far.

Let's see how things continue to develop.😁