Postes
335So now my portfolio is up and running. Savings plans are set up
60% $VWCE (+0,57 %)
10% $IWDA (+0,64 %)
10% $BTC (+0,08 %)
10% $EWG2 (-0,94 %)
10% $V (-0,06 %)
$UNH (-1,3 %) will be increased again if prices continue to fall. Otherwise, your feedback is very welcome!
After some studying and deeper reflection, I’ve decided to rebalance my portfolio with a more structured and consistent approach.
I’ve chosen not to sell my shares in Berkshire Hathaway (BRK.B) — I don’t see any real benefit in doing so right now. However, I’ve also decided I won’t continue buying more, as I’m shifting focus.
I initially held several individual stocks like JPM, CVX, etc., but I realized that managing and researching each one in-depth requires a lot of time and effort. That’s why I’ve decided to simplify and move toward a more ETF-based strategy.
Here’s how I’m allocating my monthly contributions:
Growth-focused equity portion (~65%):
Dividend-based income portion (~35%):
Right now the portfolio is still in the modeling phase, so there aren’t any visible results yet — but I expect to start seeing them in the coming months.
Feel free to follow me if you want to monitor the progress with me!
I don’t have a stable income yet, so I’m doing my best to allocate my savings — which are still quite limited — as wisely as I can. But I’m confident they’ll grow over time.
I often hear people say that in your 20s you should focus solely on growth — and I agree to some extent. Still, I also enjoy slowly building the foundation of the income stream I’d like to rely on in 25–30 years.
What do you think of this strategy? Any suggestions or feedback? 👇
I try to build a portfolio with combinations of growth and dividends:
The USA has had a permanent trade deficit for over 50 years. It imports more than it exports. Why is that? Because they have focused on high-tech. While other countries have built their factories for washing machines $WHR (-1,58 %) sneakers $NKE (-0,18 %) and tractors $DE (-0,43 %) kept their factories running, the Americans preferred $MSFT (+1,32 %) , $GOOGL (-1,98 %), $NVDA (+4,72 %) and $V (-0,06 %) raised them. Technology instead of cheap production.
But: no world power can manage in the long term without industrial production. Trump now has three possible paths ahead of him:
1. introduce tariffs. Sounds like a heavy hand, but it often leads to less innovation and poorer quality because international competition is eliminated.
2. conclude trade agreements. In other words, deals that determine what is exported and imported, how much and where. More structured, but more laborious.
3. currency manipulation. Countries like Turkey or Denmark like to do this to boost their exports. For the USA, however, this is more difficult with the dollar as the world currency. If they start to manipulate it, everyone else will react too.
What is Trump doing instead? Exactly what he has always done: The big bluff.
With North Korea: threatening Rocketman as if he would flatten the whole country. Bluff.
With Gaza: the "hell on earth" rhetoric. Bluff.
With the Ukraine war: calling Zelensky a dictator and then a few days later pretending he never said anything. Bluff.
Now comes the next bluff. Against the EU. Against China. Against Jerome Powell.
He's playing the lunatic because that's how he understands the game. It worked in his reality show and it worked in the election campaign. He knows that if he goes crazy, everyone will stare at him spellbound. And that's enough for him to win. Chaos is part of his plan.
My conclusion: I won't be swayed by the fuss. I don't make investment decisions based on tweets and headlines. I'd rather take advantage of the weak dollar and keep buying
Here is also a suitable YouTube video: https://youtu.be/wIeTXYRajhw?si=NaVKDkc0xxDQtIwR
While many investors see Visa ($V (-0,06 %) ) is mainly seen as a provider of traditional credit and debit cards, the company is currently undergoing a far-reaching technological transformation:
the tokenization of payments. 🔐
Tokenization involves converting confidential card data into digital tokens that are unique and secure for each transaction. 🔑
This innovative technology offers Visa significant benefits such as increased security, improved user experience and a significant reduction in fraud.🚫
Visa is constantly expanding its tokenization platform to make digital payments via e-commerce platforms, mobile applications and online marketplaces more efficient and secure.
In an increasingly digitalized world, this development could lead to a long-term decline in the importance of physical credit cards.
Investors benefit from Visa's strategic positioning, which enables the company to further expand its market-leading position. 🚀
Airbnb $ABNB (+0,29 %) is now quietly and secretly generating 4.5 billion US dollars in operating cash flow per year - and the trend rising.
The free cash flow margin has also passed the 40% mark exceeded. This feat accomplish only a few companiese.g. Visa $V (-0,06 %) / Mastercard $MA (-0,21 %) , MSCI $MSCI (+1,01 %) and Nvidia $NVDA (+4,72 %) .
The sales growth in the core business is slowing down, but is still at 12% per year - despite unspeakable and often false headlines in the media about regulation and competition.
The management plans to increase sales growth again accelerate: off we go from May with the large-scale launch of "Experiences" and other services for guests and hosts.
"Starting in 2025, each year we will launch 1-3 new businesses that could eventually generate over a billion dollars in revenue per year (starting with travel and then moving away from the core); they are not gonna be capital intensive and they all gonna be similar margin to the current business because we are probably going to have a similar take rate." (CEO in October 2024).
The following are conceivable in the long term
Airbnb is valued with a forward PE of 24.2 (FY26) and a forward P/OCF of 15.3 (FY26) both of which are below the long-term averages.
Airbnb is rarely priced close to or below the €100 mark. $ABNB (+0,29 %) is rarely available.
Do you already have Airbnb $ABNB (+0,29 %) already in your portfolio?
JP Morgan $JPM (+0,35 %)
Visa $V (-0,06 %)
Chubb $CB (-0,81 %)
Blackrock $BLK (-0,74 %)
Intuit $INTU (+0,22 %) (very expensive)
German Stock Exchange $DB1 (+0,76 %)
S&P Global $SPGI (-0,15 %)
HDFC Bank
$HDFCBANK (speculative - India bet)
I would be interested to know which are your favorites for a long-term investment?
Hello Community,
My bonus will hopefully arrive at the end of April and of course I want to invest it. I'm currently toying with the idea of dividing it up roughly as follows:
For the rest, I would like to lower my entry prices depending on the market situation:
Possible first entries would be the following:
In the end, one or the other will certainly be thrown out, as I don't get a million-dollar bonus here 😥. The investment period is > 15 years, so I'm not even trying to time it here, unless the prices have gone up 40% by the end of April, which I'm not assuming. I am well aware that the MSCI World already tracks a lot of the individual stocks.
Do you still have any exciting quality stocks that are worth a look?
Thanks!
to $V (-0,06 %) probably doesn't need much sagen🤷🏼♂️ topping up!
I hope that the share price of $V (-0,06 %) will go down, giving me the opportunity to significantly expand my position in this company. I currently only own two shares of Visa, but I am convinced that this is a solid long-term investment. A drop in the stock price provides me with the ideal opportunity to buy more shares at a lower price, lowering my average purchase price and allowing me to better take advantage of a future stock price increase.
When the stock price drops temporarily, it is a clear signal for me to strike. I am an advocate of taking advantage of market opportunities and believe that share price declines are often not a reflection of a company's fundamental value like Visa, but rather a reaction to temporary market fluctuations or broader economic uncertainty. These temporary dips, I believe, are precisely when smart investors seize their opportunities. For me, this means that once the price drops, I am able to buy more shares, increasing my exposure to a company with strong growth potential.
A falling price creates the opportunity to gain a larger share of Visa's market position with a lower investment. This is attractive not only from a valuation standpoint, but also because a larger position in my portfolio allows me to benefit from dividend payments and a future increase in value. By owning more shares, any recovery movement in the stock price will allow me to earn greater returns. I believe that Visa's technological and financial fundamentals are strong enough to continue to grow over the long term, despite temporary fluctuations.
In addition, the broader trend toward digitalization of payments plays an important role in my investment strategy. The world is increasingly moving toward cashless payments and the integration of technology into financial services. Visa, as a leading player in this field, is poised to benefit from this trend. As consumers and businesses become more confident in digital payments, I expect demand for Visa's services to increase. This reinforces my belief that a larger position in Visa can contribute to a solid return on my investment over the long term.
Moreover, I believe in the principle of "buy the dip.
This means that in moments of price declines, I deliberately make additional investments in companies in which I have confidence. This strategy helps to lower the average purchase price, which means that when the market recovers, the profitability of the investment can increase significantly. The moment the stock price drops is a strategic entry point for me to take advantage of better pricing. I am fully aware that the stock market is full of uncertainties, but by betting on companies with strong fundamentals like Visa, I am deliberately taking a calculated risk.
Furthermore, expanding my position in Visa also provides more leverage for future price movements in my portfolio. The more shares I own, the stronger I can benefit from any rise in the stock price. This means that a future rebound in the market, and specifically in the digital payments sector, will positively impact my portfolio. I see this potential as an important reason to hope for a decline now so that I can expand my position and be better prepared for future growth.
In conclusion, I believe that patience and a strategic approach are the keys to success in investing. By waiting for the right time to enter and taking advantage of price declines, I can gradually strengthen my portfolio. This strategy requires discipline and a long-term view, something that is central to my investment philosophy. Therefore, my desire to buy more Visa shares is not motivated by short-term profit-seeking, but by a belief in the company's sustainable value and growth potential.
In short, I look forward to a time when Visa's share price falls so that I can increase my position and take full advantage of a future market rise. This approach fits perfectly into my strategy of optimizing my investments and investing in companies with a strong vision for the future.
$V (-0,06 %)
#aandelen
#roadto100k
#meneervermogen
#youtube
#trend
