🖥️ Field report
Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.
I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.
I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.
Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.
The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.
I also use the app to track and analyze my spending and income.
My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.
There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.
With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.
I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (+4,71 %) and $TSM (+0,17 %) were proved wrong.
To my delight $RSG (+1,28 %) , $V (+0,74 %) and $DE (+3,12 %) held up very well despite the correction.
Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.
In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.
👨💻 Finances
🟢 Income YoY: +13.40%
🔴 Expenses YoY: -29.04%
💰 Monthly savings rate: €800
🏦 Portfolio
📊 Allocation:
📄 73% ETF
📄 24% equities
🟠 03% Bitcoin
🏎️ Performance:
📈 01/2025: +5,90 %
📉 02/2025: -1,85 %
📉 03/2025: -7,45 %
📉 YTD: -3.65 %
📉 TTWROR: -2.91%
🔥 Top performer - YTD:
🥇 $RSG (+1,28 %) +15,81%
🥈 $V (+0,74 %) +6,69%
🥉 $DE (+3,12 %) +6,58%
🤡 Top Loser - YTD:
🥇 $TSM (+0,17 %) -19,13%
🥈 $ASML (-1,43 %) -10,71%
🥉 $IS3R (+0,82 %) -6,37%
💹 Transactions:
🔄 03/2025: $ISAC (+0,51 %) x5,55
🔄 03/2025: $IS3R (+0,82 %) x2,80
🔄 03/2025: $5MVL (-0,16 %) x1,83
➡️ 03/2025: $TSM (+0,17 %) x1,726
➡️ 03/2025: $ZTS (+1,88 %) x2,093
➡️ 03/2025: $UNH (+4,71 %) x0,796
💶 03/2025: Interest +€25.29
💸 03/2025: $V (+0,74 %) +1,05€
💸 03/2025: $ZTS (+1,88 %) +2,28€
💸 03/2025: $UNH (+4,71 %) +1,97€
🔄 02/2025: $ISAC (+0,51 %) x6,8
🔄 02/2025: $MEUD (+0,55 %) x0,50
⬅️ 02/2025: $BRK.B (+1,26 %) +51,29€
⬅️ 02/2025: $PG (+0,36 %) +543,98€
💶 02/2025: Interest +25.20€
💸 02/2025: $DE (+3,12 %) +4,06€
💸 02/2025: $ASML (-1,43 %) +2,68€
💸 02/2025: $COST (+1,47 %) +0,03€
💸 02/2025: $PG (+0,36 %) +2,83€
🔄 01/2025: $ISAC (+0,51 %) x5,75
🔄 01/2025: $MEUD (+0,55 %) x0,53
➡️ 01/2025: $UNH (+4,71 %) x1
➡️ 01/2025: $TSM (+0,17 %) x2
➡️ 01/2025: $BTC (+0,62 %) x0,00111
💶 01/2025: Interest +€18.79
💸 01/2025: $RSG (+1,28 %) +1,16€
💸 01/2025: $SYK (+1,22 %) +0,84€
🏦 Other investments
🎰 Collectibles:
⬅️ Pokémon Black Edition 2 sealed
⬅️ Pokémon Shining Pearl & Shining Diamond sealed
🔮 Outlook
I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.
The savings plans will definitely continue as before.
If the correction on the stock market continues, I will increase further positions.
I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.
🧰 I use these tools:
🔧 Tracking investments: Getquin
🔧 Company analysis: Share finder
🔧 Chart analysis: TradingView
📢 Recommendations:
👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/
Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh
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