Where others are selling is the right time to strike. Everyone needs the Internet ? $VZ (-0,1 %)

Hi, I'd like to hear your opinions on my portfolio.

I also welcome your suggestions for etfs in 2025 with stable growth and that pay dividends. I'm analyzing this ETF to invest in the near future $JEGP (+0,81 %)

My focus is to have good assets that pay dividends and over time be able to refresh my investments with those same dividends. This way I can also get a good average price depending on the ups and downs of the market in the long term.

Since November 2024, I've been investing in shares such as $KO (+0,13 %)
$STAG (+0,25 %)
$VZ (-0,1 %)
$VICI (+0,25 %)
$O (+0,07 %)
$PZZA (+0,64 %)
$BMW (+0,87 %)
$T (+0,46 %) etc.

As for cryptos, I'm betting on Solana and Xrp.

In my opinion, these are two assets that could increase in value over the long term.

I have Solana in coinbase, which currently pays 8%, thus also generating recurring payments.

So at the moment I have 80% in shares and reits, and I also want to acquire etfs.

And 20% in cryptos.

Happy 2025 to everyone and good investments!

$VZ (-0,1 %)

My first dividend for this year.

Seized the day today and took heavy losses.

$CVS (+0,54 %) sold completely and from the remaining money

position $CAT (+0,19 %) and rebuilt the positions $ABBV (+0 %) , $VZ (-0,1 %) and $ETN (+1,12 %) increased.

I expect the latter in particular to deliver strong share price and earnings growth in data centers, automation, drive and aviation technology. Everything that has to do with electrification. 😅

From 18-year-old wannabe investment banker to successful private asset manager: my (bumpy) path to €300,000 in my custody account

Part 2 of X:

After a long road through the valley of tears: how buying MasterCard shares ended up
changed everything - This is probably the best way to describe the next stage of my investing life. After discussing my first steps on the stock market in the first part and realizing that I'm not the next Warren Buffett and that I've made just about every rookie mistake, after three years everything should finally be getting better, right? Unfortunately, that wasn't the case in 2017 and 2018. In fact, everything only got worse.

(Part 1: https://app.getquin.com/de/activity/PElWrODsmV) - Thank you for all the positive feedback!

Baseline & Spoilers:

From 2013 to 2016, I did a dual study program and earned a small salary every month. As I was still living at home, I was able to save and invest around €30,000 during these three years. I also added around € 5,000 in capital gains and dividends. My portfolio balance at the end of 2016 was therefore around €35,000. Despite my poor stock selection, this was a sum I could be happy with as a 23-year-old.

Now let's jump forward 24 months: at the end of 2018, I had a portfolio balance of around €40,000, just a measly €6,000 more than two years earlier. In these two years, there were additional price losses of €3,500. In other words, I had managed to lose €600 on the stock market in 5.5 years, while the S&P 500 gained over 50% in the same period - a remarkable (negative) achievement! Only dividends of over € 3,000 in these 5.5 years led to a positive return on the bottom line.

But now let's take a look at what went so massively wrong in 2017 and 2018.

Personal income situation:

After I completed my Bachelor's degree at the end of 2016, I knew that I didn't want to stay with my training company. There was a strong focus on sales, which I personally never wanted to do. I therefore left the company and decided to make a new career start in my early or almost mid-20s.

Before my studies, I really wanted to go into investment banking in New York, but after my studies I suddenly didn't know what I actually wanted to do: "self-employed would be cool", "do I do another Master's", "do I study something completely different again?" - these were my thoughts at the end of 2016 and beginning of 2017. As I was registered as unemployed during this time, I had to keep going to job interviews, which were more or less forced on me by the job center. These were mandatory, as otherwise the money could have been cut (times before the citizen's allowance 😉). My highlight was a job interview at Vorwerk, and I'm not kidding: for an open position as a vacuum cleaner salesmanwho is allowed to move from door to door.

In mid-2017, I was then offered a job in a completely different area that had absolutely nothing to do with my bachelor's degree in business administration and started all over again. I received around €600-700 in unemployment benefit for 9 months and then only a trainee salary of €800-900. Fortunately, I was able to continue living with my parents and invest around €200-300 in ETF savings plans every month. However, I was only able to save around €2,000 in total in 2017.

A few weeks went by and I quickly realized that I was once again not happy with my new professional situation. So I knew I had to leave again. This time, however, I didn't want to just quit and turn up at the job center again. So I forced myself to keep going until I had something in hand. The subject of a Master's degree came up again. But it was also by chance that I got in touch with my former employer.

Long story short: At the beginning of 2018, after 1.5 years, I signed a new contract with my former employer (DAX company), albeit not in a sales role, but in head office/administration. Even though the salary increased significantly, this involved moving to another city. In addition to the rental costs, I also had to furnish an apartment. As a result, there was not much room for investment in the stock market in 2018 either. In total, "only" €5,000 was invested in 2018.

Portfolio performance:

As already mentioned, 2017 and 2018 were an absolute flop in the portfolio. No significant investments and a lousy performance.

In hindsight, it's no wonder: at the time, my portfolio consisted of price rockets such as Hugo Boss $BOSS (+2,73 %)
Deutsche Bank $DBK (+1,99 %)
Macy's $M (+0,88 %)
AT&T $T (+0,46 %)
Verizon $VZ (-0,1 %)
or Daimler $MBG (+0,31 %) .

I was still convinced that tech and co. were far too expensive - I only bought what had a low P/E ratio and a (high) dividend yield. From a dividend perspective, that was great: in 2017, I received over €1,000 in dividends for the first time. I won't reach this mark again until 2020.