What a January. Once again, it's impressive what the new year had to offer us all. Time for a monthly review. This year, I plan to adapt my summary in several steps. First of all, it will be shorter. I'm also going to take my New Year's resolutions and see how well I've fulfilled them. But let's start with the latest developments in my portfolio.

➡️ Shares

My largest positions in terms of volume are still the usual suspects $AVGO (+2,97 %) , $MSFT (+1,09 %) and $FAST (+0,9 %) . They set the tone in the share portfolio. I am particularly pleased with $AVGO (+2,97 %) which is now shining with +125% (end of Dec. approx. +100%). There has not yet been a strong correction. In absolute terms, this will soon make up the €1,000 mark in invested capital.

In addition $NOVO B (+1,62 %) in 4th place by volume has now exceeded the +100% performance. Really solid, I thought after a few splashes it would have eaten itself up again and the stock would have corrected. Still in the top 10, I also noticed a stock that is now more visible at +50%. It was sold off by some in October 2020 after the share price fell: $SAP (+2,96 %) . I tend to stay away from German stocks, but this one is one of three exceptions.

Of course, there are still stocks with a red sign, but these are improving bit by bit thanks to DCA. $DHR (+1,28 %) and $MMM (+0,41 %) both between -25% and -30%. For me, however, the investment case still fits for both. The souvenir $VLTO WI (+0,72 %) I will sell as soon as the price suits me. Otherwise I generally don't sell. For me, the (valuable) invested capital is working time formerly stored in (worthless) money in the form of net salary; for me, selling is like cutting a piece of meat out of my body.

Soon my employer will also be reporting figures for the past FY, and my bonus depends on that. There are also two planned reimbursements from the health insurance company and one from the dental supplement and I'm sure there will be another credit on my electricity bill. Everything by April at the latest. The money will be invested at Easter or sooner in my candidates for new positions. These are: $UPS (-1,9 %) , $JPM (+0,94 %) and $GLAD . I am still deciding whether it will be all three or just two.

➡️ ETFs

I don't need to repeat myself here. My statement that they are the least everyone needs to do to escape the monster of old-age poverty still stands. Anyone who doesn't invest is a fool. Privately, I am pleased that I can use my experience with this investment vehicle to give people in Facebook groups and on Reddit an example of how simple retirement provision can be. Fight the savings book!

And in line with the battle message, I put a few extra coins into the $ISPA (+1,12 %) put some extra money into the There were a few comments about alternatives: https://getqu.in/XAvjzL/

➡️ Distributions and taxes

My strategy of switching to distributing ETFs has paid off. I want it to be tax-simple. In other words, the money that flows to me should be taxed as much as possible and I don't want to hold money anywhere or calculate how much tax-free allowance I will lose for an advance payment. So last March and November, I reallocated some of the ETFs that were still accumulating. The result: only two advance lump sums were due on distributors ($VUSA (+1 %) and $EXXT (+1,74 %) ), which means that the notional lump sum was higher than the basis for calculating the distribution for only two of my ETFs.

Among the ETFs, the $ISPA (+1,12 %) only one payout date. For my shares, I was able to book 21 payments on 11 paydays. January had 22 working days in Saxony, of which there were dividends on 11 days, great, right?

➡️ Cashback

I have set aside €10 from payback points for cashback annuities in a settlement account. Cashback proportionally feeds a $ZPRG (-0,06 %) savings plan. I will explain exactly how this construct works in a separate article later.

➡️ P2P loans

I continue to long for the day when I am out of this asset class, with the exception of Bondora Go&Grow. I will keep these for the time being.

Repayments are only coming in chunks.

A sad negative record: this was the first month in which only two out of four platforms were still earning interest, i.e. the capital to be collected is virtually no longer working.

➡️ Crypto

No news compared to previous months. I'm waiting with my holdings for the crypto summer. After all, it's crypto spring What I'm currently waiting for: the start of staking at BISON. I want to watch it from the sidelines and then decide whether I want to get involved. If I do, then the corresponding coin will not be cashed out at the turn of the year.

➡️ Interim New Year's goals

Here is the interim status of "non-monetary goals" or habits that I want to continue, consolidate or expand:

• Exercise every morning, at least 30 min on weekdays, at least 75 min on weekends: 30 out of 31 days ☑️
• Resume the evening walk from COVID times: 30 out of 31 days ☑️
• Normalize sleep rhythm + get up at 7:30 a.m. at the latest on weekends: The body actually wakes up before 7:30, but the rhythm is still stuck, I have to go to bed earlier => ❌
• 3x total fasting for at least 7 days: with 12 months, I have to start the first one in April at the latest: ergo no rating (p.s. I start the first one tomorrow). => ⭕️
• In addition: adjust your diet: I have already been able to start the protein portion by paying more conscious attention in the supermarket. The big task is still: How to reduce wheat flour (except by replacing it with spelt & co). At the end of the fast, I want to change my diet again. More greens, more protein, even less sugar.
• Mindset and good contacts: There's still a big construction site here too: Avoiding negative sources is going well, but I still need to find positive drivers. => ❌
• Daily reading: 30 out of 31 days ☑️
• Education and training: I'm working on Wordpress, MS Copilot, reviving my IG account and how to build up another side income in general. Since education and training is a process and has no end goal, I give myself the point: ☑️

As you can see, it's easy to make plans, but it's also important to consolidate the habits and fit them into everyday life.

And now I wish you all a wonderful upcoming carnival.

Picture: Impression while hiking (St. Mary's Church, in front of the Paul Gerhardt monument, Gräfenhainichen [Saxony-Anhalt])