Midsummer should be in full swing in July, but summer prefers to take a breather. While the temperatures outside were rather cool for most of July, which fortunately didn't keep me from swimming and hiking, it was hot in the depot. Time for a look back.

Overall performance

In July, the portfolio made a significant leap upwards, possibly due to further crypto adoption, good labor market data, robust quarterly reports and a further decline in inflation in a positive environment. The big icing on the cake is of course the continued incoming cash flow from dividends and distributions. My key performance indicators are:

TTWROR (month of July): +3.82 % (previous month: +0.19 %)
TTWROR (since inception): +72,72 %
IZF (month of July): +46.14 % (previous month: 2.47 %)
IZF (since inception): +10,87 %
Delta: +€2,468.62
Absolute change: +€3,677.52

Performance & volume

Size of individual share positions by volume in the overall portfolio:

Share: Share of total portfolio in % (securities account)
$AVGO (-0,04 %) 2.98 % (main share portfolio)
$NFLX (-0,66 %) 1.92 % (main share portfolio)
$WMT (-0,58 %) 1.72 % (main share portfolio)
$FAST (+0,84 %) 1.64 % (main share portfolio)
$SAP (+4,23 %) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share: Share of total portfolio in % (custody account)
$SHEL (+0,35 %) : 0.44 % (crypto follow-on portfolio)
$NOVO B (+6,68 %) 0.45 % (main share portfolio)
$HSBA (+0,76 %) 0.53 % (crypto follow-on portfolio)
$GIS (+2,36 %) 0.60 % (main share portfolio)
$TGT (+0,37 %) 0.64 % (main share portfolio)

Top-performing individual stocks

Share: Performance since first purchase % (securities account)
$AVGO (-0,04 %) +299 % (main share portfolio)
$NFLX (-0,66 %) +174 % (main share portfolio)
$FAST (+0,84 %) +86 % (main share portfolio)
$SAP (+4,23 %) : +83 % (main share portfolio)
$MAIN (+0,76 %) +82 % (main share portfolio)

Flop performer individual shares

Share: Performance since first purchase % (securities account)
$GIS (+2,36 %) -33 % (main share portfolio)
$TGT (+0,37 %) -30 % (main share portfolio)
$NOVO B (+6,68 %) -27 % (main share portfolio)
$UPS (+0,75 %) -24 % (main share portfolio)
$CPB (+2,26 %) -23 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

ETFs: 38.3 %
Equities: 59.0 %
Crypto: 2.60%
P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

Planned savings plan amount from the fixed net salary: €1,030
Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Repurchases/one-off savings plans as cashback annuities from refunds: € 70.77
Subsequent purchases from other surpluses: € 135.00
Automatically reinvested dividends by brokers: € 4.04 (Function is only activated for an old custody account, as I control the reinvestment myself)

Additional purchases were made:

Number of additional purchases: 3
61.96 € for $SPYD (+0,46 %)
58.00 € for $GGRP (+0,58 %)
90.00 € for $JEGP (+0,09 %)

If you want to know how my cashback pension tops up my share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 222.47 (€ 93.27 in the same month last year). This corresponds to an increase of +138,52 % compared to the same month last year. The following are further key figures on the distributions:

Number of dividend payments: 28
Number of payment days: 12 days
Average dividend per payment: € 7.95
average dividend per payment day: € 18.54

The top payers are:

My passive income from dividends (and some interest) mathematically covered 27.12% of my expenses in the month under review.

Crypto performance

My crypto investments have also moved:

Monthly performance portfolio: +9.49
Performance since inception: +114.72 %
Proportion of holdings for which the tax holding period has expired: 98.55%. Accordingly, there was one subsequent purchase in the month under review $ADA (+5,35 %) ).
Crypto share of the total portfolio: 2.60 %

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

TTWROR (current month): +3,28 %
Vanguard FTSE All World Dist ETF: +5.23 %
Vanguard S&P 500 Dist ETF: +6.41 %

Outlook and conclusion

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and budget review, you'll also find regular posts there: @frugalfreisein

👉 How was your July at the depot? Do you have any tops & flops to report?

Leave your thoughts in the comments!

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9 Commentaires

PiHu@PiHu

1Mo

Hey there, I like your monthly review and I look forward to it every time :)

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monto_korto

@monto_korto

1Mo·

Portfolio update - crypto focus 🔄

Today I have changed my position in Cardano (ADA) sold.

📉 Reason: Cryptocurrency with high risk and currently lower prospects for me compared to other projects.

💰 Use of funds: Reinvestment in Ethereum (ETH) as a more focused crypto satellite position.

My goal remains: Less scattered positions, more concentration on selected core investments.

11.08

Cardano

Vendu à 0,672 €

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3 Commentaires

HyFive@HyFive

1Mo

🤪17 hours later 12% plus

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Finn B.

@Pizzahummel6130

2Mo·

Get in on Cardano now?

$ADA (+5,35 %)

Hi, so far I only have $SOL (+5,5 %) in the portfolio and want to add another cryptocurrency... Do you think it would make sense to open a Cardano position now?

Or do you think I should rather build up a "core" with $BTC (+2,13 %) build up?

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13 Commentaires

Stefan21@stefan_21

2Mo

Bitcoin, of course :)
Solana as well as Cardano or any other altcoins will most likely not bring you much joy in the long run.

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Ricard

@Fate_Investor

3Mo·

Configure-Show aproximate Stacking rewards APR/APY

Hello @christian

For coins like $ETH (+2,2 %)
$ADA (+5,35 %)
$AKT (+3,35 %)
$DOT (+8,09 %)
$AVAX (+16,36 %)
$MATIC (+2,77 %) and possible more.

An approximate "%" APR/APY with your monthly or weekly reward would be a very good implementation as these currencies are increasingly more popular + higher marketcap. (BTC and ETH adoption these days)

"Worst" case APR/APY can be configured by the own user.

It would be a feature that separates the application from the rest for the better, pretty clear.

If more feedback is needed I can help ofc.

#btc
#crypto
#etfs
#tech
#dividends
#ethereum

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3 Commentaires

Christian@christian

3Mo

But the APR differs between providers.

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Lucas S.

@lucasssilva

3Mo·

Anyone Else Balancing Stocks, Dividends and Crypto?

Lately I’ve been thinking a lot about balance in investing. My portfolio now includes everything from high-yield monthly payers like $O (-0,5 %) and $MAIN (+0,76 %), to long-term compounders like $NOVO B (+6,68 %) and $PEP (+0,28 %) , and even some more speculative recovery bets like $INTC (+24,01 %) .

But I’m not just in traditional equities — I also hold crypto, with positions like $ADA (+5,35 %) and $AVA (+5,04 %). $ADA (+5,35 %) represents my belief in scalable, energy-efficient blockchain infrastructure, while AVA is a high-conviction pick tied to real-world use cases in the travel space.

Some picks underperform, others outperform — and that’s fine. The goal isn’t to win every race, it’s to build a system that works across different market cycles, generates income, captures growth, and gives me peace of mind.

Curious to hear how others approach this. Are you fully in on growth? Passive ETFs? Crypto-heavy? Or do you mix themes like I do?

#InvestingJourney
#PortfolioStrategy
#Dividends
#Growth
#Crypto
#GetquinCommunity

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2 Commentaires

ieguldīšanas K.@Wuestenschiff

3Mo

I’m going a similar way. Basic dividend ETFs to cover the world and balanced dividend stocks from different sectors to even out the pay over the year. Then I have 10-15% growth stocks with crypto added. That part has gone up from 5% to almost 15% now. I got rid of my (US) bonds because i don’t think the US is as reliable anymore. But I am fine with stocks and crypto only.

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wealth_architect

@wealth_creator

4Mo·

My path to wealth accumulation - feedback on my portfolio?

Hey everyone,

I'm currently 16 years old (soon to be 17), in the first year of my apprenticeship and have been actively saving and investing my money for about 5 months now.

Before that, I only had some money in a savings account at the savings bank - that was my starting capital. I started with 3000 split into 2000 initial purchases and 1000 in an interest-bearing account

Since then, I've been saving €500 every month.

Occasionally, I had to draw on my savings because I needed money at short notice. To make up for this, I'm currently paying in an additional €100 a month. This will continue for another 6-7 months. After that, I'll just save the normal €500 a month.

That's the plan from this point on:

Invest €450 a month in the portfolio
Put €50 a month into an interest account to benefit from compound interest and stay liquid.

I am aware that I will not be financially free in 3 years (duration of training). I'm taking a long-term view: my goal is to build up solid assets and create a good financial basis by the age of 30.

I recently took advantage of the big discounts during the market downturn and added to the portfolio - among other things, I picked up Nike about 1-2 weeks ago during the price drop.$NKE (-0,47 %)

Another small comment:

I have a very small position in Cardano and Dogecoin, which came from "fun buys" - I had gotten €50 from my grandma for my vocational school certificate, which I put into Cardano$ADA (+5,35 %) and some small change ended up in Dogecoin$DOGE (+4,26 %) . I will sell these positions as soon as I am in the black.

I really appreciate any feedback, opinions or suggestions for improvement! Thank you all for taking the time!

12Positions

3 530,40 €

3,42 %

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7 Commentaires

Tomas J.@Tomas_Juk

4Mo

Well done! In your position I would keep the core of investments in well diversified ETFs and strong companies (75%) and about 25% into speculative assets like crypto or small companies with bright future because you are still very young and can take more risk. You are on a great track.

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Finn B.

@Pizzahummel6130

5Mo·

Partial purchase?

$ADA (+5,35 %)

Servus,

I am thinking about building up a Cardano position. I am currently relatively well positioned in crypto with 50 $SOL (+5,5 %) relatively well positioned, but also want to add a second currency. That's why I'm considering possibly adding 2000-3000 Cardano.

What do you think of the idea? What suggestions do you have for which cryptocurrencies would be worth investing in at the moment?

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7 Commentaires