Hello to the community ✌️

I am new to this platform and would like to introduce my portfolio to you. I am more or less a newbie on the stock market. During the first corona lockdown, I started to get involved with the stock market. Towards the end of 2021/beginning of 2022, I opened my portfolio. I watched a lot of YouTube videos, read books and looked into finfluencers. Since then, I have been diligently buying and selling shares. Of course, I also had to learn a lot - and after three years of "stock market experience" I'm still paying, but fortunately not as much!

I recently discovered the Getquin platform and have been diligently reading posts and comments here. I'm curious to see what the more experienced among you have to say about my portfolio. I hope to gain a lot of added value from the platform and am therefore looking forward to numerous tips and suggestions for improvement.

Before I became intensively involved with the stock market, I had already saved a certain amount of money. Originally, this money was intended as equity for a condominium. But then came the coronavirus crisis, and during the first lockdown I decided to "spend" it on the stock market instead.

At first, like probably many beginners, I randomly bought whatever YouTubers and finfluencers recommended - without any real knowledge or experience. A good friend told me at the time: "Invest all your money in the $IWDA (-1,03 %)
and just let it run." But I had skepticism, fear and a lot of "But, but, but..." in my head. That's why I initially only invested a portion and later switched to the $VWCE (-0,92 %) to achieve a broader diversification. At the same time, I regularly bought and sold individual shares, etc....

Initially, my focus was strongly on dividends and dividend yields, but since last year I've been increasingly concentrating on growth stocks, so I haven't bought the $VWCE (-0,92 %) not bought any more for the time being. I want to change that over time and weight the ETF even higher

My current portfolio:

It currently consists of 36 positions:

- 1 World ETF

- 35 Individual stocks

I would like to reduce my portfolio to 30 positions or fewer in order to be more focused.

My strategy:

I plan to hold approx. 18-20 shares as growth stocks as growth stocks. The remaining positions should be dividend growth stocks be dividend growth stocks.

The technology/semiconductor sector has been weak recently (apart from Palantir), but I am convinced that it will outperform the market over the next few years. I would therefore like to hold this sector with 30-35% of the portfolio of the portfolio.

$PLTR (-3,33 %) is my largest position, but I have been thinking about liquidating it for a few weeks now because the valuation now seems to me to be beyond good and evil. However, I am actually a friend of letting profits run.

With REITs I'm still undecided as to whether I should liquidate them or keep them for diversification.

$DHR (+1,24 %) Over time, I would like to replace$SYK (-0,56 %) but no suitable opportunity has yet arisen.

$NOVO B (+5,32 %) , $ASML (-0,72 %) , $ALV (-0,14 %) and $MC (+0,4 %) should cover my European block. With these 4 stocks, I am optimistic that things will pick up again in the near future.

Planned portfolio allocation for the next few years:

TECHNOLOGY / SEMICONDUCTORS 30%

HEALTH 20%

FINANCES 15%

CONSUMER GOODS 15%

CONSUMER STAPLES 10%

INDUSTRY 5%

REITS 5%

I am looking forward to your tips and opinion, and maybe you have any stocks to add to my portfolio🫡 and sorry for the full text 😅

Have a nice evening 😬

Today, a new long-runner found its way into my portfolio. Away from the hype stocks, I am looking for steady performers such as $SYK (-0,56 %)
$WMT (-2,31 %)
$WM (-0,95 %)
$MSI (-2,51 %)
$AFL (-2,16 %) ...

The first month of the new year is already over. While the first half of January was characterized by Trump euphoria and rising markets, the second half was much more volatile, particularly due to DeepSeek and its impact on the AI sector.

For me personally, the savings rate was unfortunately somewhat lower due to the issue of house building, as already mentioned at the end of 2024. Currently (and probably also for the coming months) it will therefore only be around €500-700.

I am aware that this is of course still a very high savings rate, but it is significantly lower than the ~€2,000 of recent years.

Also very exciting: In November, I withdrew over €20,000 from my custody account to raise the equity for the bank. Just 2 months later, my custody account is back to the same value of almost €300,000.

But now it's finally time to look at the hard figures:

In total, January was +3,9%. This corresponds to price gains of ~11.000€.

The MSCI World (benchmark) was +3.5% and the S&P500 +2.7%

Winners & losers:

A look at the winners and losers shows an unusual picture in January:

The biggest loser by far is NVIDIA! With price losses of almost €3,000, the emergence of DeepSeek caused substantial losses in the portfolio.

The other losers, on the other hand, are only worth a side note. After NVIDIA, Apple has already lost significantly less with ~€400 losses. The remaining loser stocks then only lost around €200.

On the winners' side at the top with a total of almost €2,000 in price gains is the Meta share. Followed by Bitcoin with €1,500 price gains and 2 other tech stocks: Alphabet with €1,200 and Crowdstrike with €1,000. 5th place goes to Starbucks, also with gains of almost €1,000.

The performance-neutral movements were clearly negative in January, as some of the cash was used to buy the property. The property is of course also an asset, but I would rather focus on liquid assets here.

The performance-neutral movements in relation to my portfolio were ~€600

Dividend:

• The dividends in January were 30% above the previous year at ~€166
• TSMC is in the lead with over 30€ (gross) dividend every 3 months.

Buys & Sells:

• I bought in November for significantly reduced ~600€
• As always, my savings plans were executed:
• Blue ChipsMicrosoft $MSFT (-1,57 %) Stryker $SYK (-0,56 %) Apple $AAPL (+0,26 %) Home Depot $HD (-2,25 %) Starbucks $SBUX (-0,91 %) Texas Instruments $TXN (-0,26 %) Nike $NKE (-0,48 %) Novo Nordisk $NOVO B (+5,32 %) Lockheed Martin $LMT (+2,16 %) LVMH $MC (+0,4 %)
• 
  Growth: -
• ETFsMSCI World $XDWD and the WisdomTree Global Quality Dividend Growth $GGRP
• Crypto: Bitcoin $BTC and Ethereum $ETH
• Sales -

YouTube:

In mid-January, I uploaded my first video to YouTube. I am particularly proud of a video explaining my dividend strategy. The video has already reached almost 200 views and a playback time of ~10 hours!

Even though I'm still not really sure what exactly I want to do on YouTube, I really enjoy editing videos and talking about shares.

That's why I created my January portfolio update as a video for the first time. Of course I would love to hear your feedback!

https://youtu.be/SD8ZKVWbUGA

Target 2025

Building a house makes it particularly difficult to formulate a goal this year.

A certain savings rate? Difficult if additional costs are suddenly added

A certain deposit value? Also difficult, as I can't really back this up with my savings rate this year.

Nevertheless, I would formulate the following goal for this year:

Current portfolio balance is €300,000. I would estimate additional investments at ~€15,000. With an average market return of ~7%, that would be price gains of ~€21,000.

This would put my portfolio at €330,000 to €340,000 at the end of 2025.

-> I would therefore aim for a portfolio value of well over €300,000, so that a 2% fluctuation does not lead directly back below €300k.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

The world's population is getting older and older, an irreversible demographic change with considerable economic consequences.

This article is intended to provide investment ideas and impetus. The stocks mentioned do not, of course, constitute investment advice, but merely serve as examples of potential beneficiaries of demographic change. Historical developments are no guarantee of future returns.

The main source is the short analysis "How to invest as the global population ages" by Goldman Sachs [1], which, however, does not name any specific stocks.

I have also added additional sources and charts.

__________

🌍 Demographic change: growth and ageing of the world's population

The world's population will grow to almost 10 billion people by 2050. But it is not just the number of people that is increasing, their age structure is also changing dramatically. [2]

Increase in the older population:

• The proportion of people aged 60 and over is rising from 8% (1950) to 21.5% (2050).
• In 2050, 2.1 billion people will belong to the over-60 age group.

Source: [2]

Regional differences:

Europe & North America have the oldest populations & remain the most affected demographically.

Latin America, the Caribbean & Asia: The proportion of over-60s will more than double between 2015 and 2050, reaching around 25 %.

Africa remains the youngest region: in 2015, there were 21 countries worldwide with a birth rate of 5 children per woman, 19 of which were in Africa. However, it should be noted that current statistics from 2024 show that the birth rate per woman in Africa was already just 4.07 in 2023 and could fall to 2.79 by 2050. [3]

While industrialized countries are struggling with an ageing society, Africa remains the most dynamic and youngest region in the world. This development can also have an economic impact and open up new investment opportunities. [2]

Goldman Sachs also comments in the article with similar figures, according to which the global population is expected to increase by around 20% by 2050 and senior citizens will make up a disproportionate share. The number of people over the age of 65 is expected to double from 800 million to 1.6 billion during this period. [1]

In view of this demographic development, there are opportunities to benefit from precisely this trend. Opportunities lie in targeted investments in sectors that could benefit from the growing proportion of older people.

🚑 Healthcare: A growing market worth billions

Facts:

• In the USA, people over the age of 65 already account for 36% of healthcare expenditure, although they only make up 18% of the population. Age-related diseases such as cardiovascular disease, diabetes and neurological disorders are driving up costs. [1]
• Alzheimer's cases are even expected to double worldwide by 2050.

Possible profiteers:

Medical technology

• Medtronic ($MDT (+2,67 %) ) - (cardiac pacemakers, diabetes technology)
• Stryker ($SYK (-0,56 %) ) - (orthopaedic implants, surgical devices)
• Siemens Healthineers ($SHL (+0,45 %) ) - (imaging, diagnostics)

Pharmaceuticals

• Novo Nordisk ($NOVO B (+5,32 %) ) - (Diabetes & Obesity)
• Eli Lilly ($LLY (+0,32 %) ) - (Alzheimer's, Diabetes)
• Roche ($ROG (+1,31 %) ) - (Oncology, Diagnostics)

🏡 Senior Living & Care: Bottlenecks in nursing homes worldwide

Facts:

The UK has a shortfall of over 30,000 senior units by 2028. [1]

In Germany, France and Italy there is a shortage of nursing home places due to the ageing population. [1]

In the US, only 2% of people over 65 live in nursing homes, leading to an increasing demand for home care and telemedicine. [1]

Potential beneficiaries:

Care providers

• Brookdale Senior Living ($BKD (-0,96 %) ) - (senior living, care facilities)

Homecare

• ResMed ($RMD (-0,09 %) ) - (sleep apnea, ventilators)
• Fresenius Medical Care ($FME (+0,32 %) ) - (dialysis, home therapy)
• Coloplast ($COLO B (+0,16 %) ) - (ostomy care, incontinence products)

Telemedicine

• Teladoc Health ($TDOC (-8,8 %) ) - (virtual doctor visits, digital health solutions)
• Hims & Hers ($HIMS (-26,15 %) ) - (telemedicine & e-health)

Anti-Aging

• L'Oréal ($OR (+1,22 %) ) - (skin care, cosmetics)
• Estee Lauder ($EL (+1,18 %) ) - (luxury cosmetics, skin rejuvenation)
• Revance Therapeutics ($RVNC ) - (Botox alternative, wrinkle treatment)

🚢 Leisure & consumption: The new "silver economy"

The following chart shows the distribution of wealth in Germany depending on the age of the main income earner. [4]

It is clear that older people tend to have higher wealth than younger age groups. This is reflected in the significantly higher values for the percentiles for age groups aged 50 and over. In particular, the groups aged between 50 and 74 have the highest assets.

The trends are also similar internationally:

• The wealth of older people is 3x that of millennials.
• Over-60s control more than 50% of consumer spending in many developed countries.
• The global silver economy could reach a volume of USD 15 trillion by 2030 (Oxford Economics).

This observation underlines the economic importance of the older generations and their central role in wealth distribution and consumer spending.

Possible beneficiaries:

Luxury

• LVMH ($MC (+0,4 %) ) - (fashion, jewelry, wine & spirits)
• Hermès ($RMS (+0,11 %) ) - (Exclusive Fashion & Accessories)
• Richemont ($CFR (+0,31 %) ) - (Swiss luxury watches & jewelry)

Cruise (Over 60s book a third of all cruises worldwide [1])

• Royal Caribbean ($RCL (-3,06 %) ) - (Cruises for seniors & families)
• Carnival ($CCL (-5,34 %) ) - (mass market cruises)
• Norwegian Cruise Line ($NCLH (-5,77 %) ) - (premium cruises)

Motorhome manufacturers/ recreational vehicles (47% of motorhome users are over 55 years old, In the UK, two thirds of over 55s have a motorcycle license, which may indicate a growing market for motorcycles and accessories. [1])

• Thor Industries ($THO (-1,13 %) ) - (motorhomes, campers)
• Winnebago ($WGO (-1 %) ) - (motorhomes & caravans)
• Harley-Davidson ($HOG (-0,68 %) ) - (motorcycles and entry-level electric motorcycles)

🤖 Technology & automation: solution to the labor shortage

Facts:

The labor shortage caused by an aging society is becoming a global challenge. Automation, AI and robotics could help close the skills gap. [1]

Profiteers:

• ABB ($ABBNY (-0,56 %) ) - (industrial robotics, automation)
• Fanuc ($6954 (+0,98 %) ) - (robotics, factory automation)
• Intuitive Surgical ($ISRG (-1,15 %) ) - (robot-assisted surgery)
• Siemens ($SIE (-0,45 %) )- (automation & also medical technology)

🧠 Conclusion:

Demographic change offers long-term investment opportunities. Early investment in the right sectors can benefit from rising spending on health, care, leisure and technology.

I myself am still looking for one or two individual investments and am a little annoyed that I didn't get into Hims & Hers earlier, although I have been on the verge of doing so several times. Apart from the luxury segment with LVMH, the portfolio also includes Siemens as a conglomerate in the field of automation.

Do you explicitly take demographic change into account in your investments, e.g. in the form of individual shares?

Which shares do you have in your portfolio or do you still see them as an opportunity?

Thanks for reading!

_________

Sources:

[1] https://www.goldmansachs.com/insights/articles/how-to-invest-as-the-global-population-ages

[2] https://www.bpb.de/kurz-knapp/zahlen-und-fakten/globalisierung/52811/demografischer-wandel/

[3] https://de.statista.com/statistik/daten/studie/1343516/umfrage/entwicklung-der-fertilitaetsrate-in-afrika/

[4]

https://www.iwd.de/artikel/mit-dem-alter-waechst-das-vermoegen-489710/

$SYK (-0,56 %)

Stryker wants to buy Inari Medical for 4.9 billion dollars

The US medical technology provider Stryker wants to take over Inari Medical, another US-based company specializing in the treatment of vascular diseases. Is it currently worth buying Stryker shares?

The boards of Stryker and Inari have already agreed to the takeover, and Stryker will now make a cash offer of 80 dollars per Inari share. Inari's share price stood at 65 dollars at the close of trading on the US Nasdaq stock exchange yesterday evening. In total, Stryker expects the purchase to cost around 4.9 billion dollars.

Inari manufactures devices for the treatment of venous thromboembolism (VTE), a condition in which blood clots in the legs and in some cases can travel to the lungs. In the USA alone, up to 900,000 people are affected by VTE. The acquisition expands Stryker's offering in the treatment of peripheral vascular disease. The Group expects the acquisition to be completed in the first quarter of this year.

Hello everyone,

I have been saving for almost three years now with the $XDWD (-0,98 %) and have a portfolio of just under 17k.

In the coming year, I would like to invest a large sum x in individual shares with a view to the long term.

The shares will be held until I retire and will not be used to speculate on short-term gains.

I have selected the following shares:

$TSLA (-4,32 %)

$NVDA (-3,63 %)

$MSFT (-1,57 %)

$SYK (-0,56 %)

$LLY (+0,32 %)

$AAPL (+0,26 %)

$RHM (-1,89 %)

$AMZN (-2,39 %)

The shares are not spectacular, but are market leaders and big names in their sector. However, this is of course no guarantee of a promising future.

What do you think of these shares, even if they may seem boring?

Let's see - see potential - if it goes down further we will buy more

(Delayed) portfolio review October 2024 - A month with 5 share sales and one ETF sale

Even though October was just over two weeks ago, it feels like a different time. Germany still had an (unspeakable) traffic light government, in America the race for the White House was still open and a phone call between Scholz and Putin was unthinkable.

And even though November has been much more exciting on the stock market than October so far, October was a month of major changes from a personal perspective.

Apart from stock market investments, we are slowly starting to think about building a house. As a result, for the first time in a long time I made several sales in my portfolio and therefore also cleared out a little.

Previously this year, there were only 2 sales in my portfolio: at NVIDIA I took my stake out in February and since then have only let the profits run. In addition, in March I had Encavis after the takeover bid.

There were a total of 6 sales in October. For just under €7,000 I sold my China ETF which has recovered well over the last few months.

On the equity side, I have now sold most of the Corona Hype stocks and Match, Atlassian, Shopify and Block have been sold. In addition, I have also Pfizer sold. That was another €8,000, leaving only Sea from the Corona hype times, where I will remain invested for the time being, as it covers a completely different region geographically with Southeast Asia.

My savings quota will therefore be significantly reduced for the time being due to the upcoming house building project. From just under €1,500 to €2,000, it will only be €500-600 per month for the time being

Monthly view:

In total, October was +1,7%. This corresponds to price gains of ~5.000€.

The MSCI World (benchmark) was +0.9% and the S&P500 +1.5%

Winners & losers:

A look at the winners and losers is part of the usual picture:

On the winning side is, as so often NVIDIA is at the top with almost €3,000 in share price gains. It is followed by TSMC, Bitcoin, Alphabet and Palo Alto Networks with gains of €900-1,000 each.

On the loser side above all ASML made its contribution with price losses of almost €1,400. This was followed by Bechtle, Thermo Fisher, LVMH and Nike a broader mix of stocks that have not necessarily performed well recently. Nevertheless, all 5 loser stocks are still part of my savings plans.

The performance-neutral movements in October were just under €4,600. The sales proceeds are all still in cash accounts at the moment, so they have not yet flowed out of the assets. There will be a larger dip here at some point in the future.

Current year:

My performance in the current year is +27,5% and thus above my benchmark, the MSCI World with 23.7%.

In total, my portfolio currently stands at ~331.000€. This corresponds to an absolute growth of ~€79,000 in the current year 2023. ~53.000€ of this comes from price gains, ~3.000€ from dividends / interest and ~22.000€ from additional investments.

Dividend:

• Dividends in October were 32% above the previous year at ~€150
• TSMC is in the lead with a (gross) dividend of €30 every 3 months. TSMC has already raised the dividend for next year by 30% again
• In the current year, the dividends after 10 months are +25% over the first 9 months of 2023 at ~2.350€

Buys & sells:

• I bought in October for approx. 1.500€
• As always, my savings plans were executed:
• Blue chipsNovo Nordisk $NOVO B (+5,32 %) LVMH $MC (+0,4 %) Apple $AAPL (+0,26 %) Home Depot $HD (-2,25 %) Microsoft $MSFT (-1,57 %) Nike $NKE (-0,48 %) Starbucks $SBUX (-0,91 %) Stryker $SYK (-0,56 %) Texas Instruments $TXN (-0,26 %)
• 
  GrowthCrowdstrike $CRWD (-6,19 %) MercadoLibre $MELI (-4,31 %)
• 
  ETFsMSCI World $XDWD (-0,98 %) Nikkei 225 $XDJP (+0,1 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,99 %)
• 
  Crypto: Bitcoin $BTC (+0,73 %) and Ethereum $ETH (+3,37 %)
• 
  Sales as mentioned, there were some in October with Match $MTCH (-2,85 %) Pfizer $PFE (+1,91 %) Block $SQ (-12,06 %) Shopify $SHOP (-5,86 %) Atlassian $TEAM Invesco MSCI China All-shares $MCHS (+2,18 %)

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market development in the current year, my portfolio already stands at ~€331,000 at the end of October.

As of mid-November and thanks to the Trump rally, my portfolio is currently approaching €350,000 and was even slightly above this level a few days ago. However, with a larger cash portion that will sooner or later flow into financing as equity.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

All of these shares reached new ALL-TIME HIGHS at some point today ⤵️

Nvidia $NVDA (-3,63 %)

Amazon $AMZN (-2,39 %)

Netflix $NFLX (-1,73 %)

Walmart $WMT (-2,31 %)

JPMorgan $JPM (-0,57 %)

Goldman Sachs $GOS0

Palantir $PLTR (-3,33 %)

Blackrock $BLK

American Express $AXP (-2,31 %)

Arista $ANET

Apollo $APO PR A

Blackstone $BX (-3,26 %)

Booking $BKNG (-5,35 %)

Instacart $INSTA (-0,27 %)

Caterpillar $CAT (-2,26 %)

Capital One $COF (-2,3 %)

Discover Financial $DFS (-2,44 %)

Electronic Arts $EA (+1,45 %)

GE Vernova $GEV (-8,21 %)

Hilton $HLT (-2,82 %)

Howmet $HWM (-5,88 %)

Interactive Brokers $IBKR (-2,25 %)

$KKR (-1,3 %)

Cheniere $LNG (-2,15 %)

Morgan Stanley $MS (-1,6 %)

Marriot $MAR (-1,49 %)

Nasdaq $NDAQ (-0,87 %)

News Corp $NWSA (-1,45 %)

Oracle $ORCL (-4,33 %)

Palo Alto $PANW (-3,05 %)

ServiceNow $NOW (-2,3 %)

Steel Dynamics $STLD (-2,84 %)

Stryker $SYK (-0,56 %)

Royal Caribbean $RCL (-3,06 %)

Reddit $RDDT (+0,01 %)

Trade Desk $TTD (-4,67 %)

Visa $V (-0,16 %)

Wells Fargo $WFC (-1,02 %)