What are your tips for a nice dividend portfolio or your favorite distributing ETFs? At the moment I have $JEGP (-0,05 %) , $MAIN (-0,14 %) and $EQDS (-0,12 %) ? $QYLE (+0,52 %) I have recently thrown out , it was only running crosswise.

Purchases this week:

6x $VWRL (+0,33 %)

35x $JEGP (-0,05 %)

€50 $BTC (-0,54 %)

I am halfway through my Road To 100K. We keep investing and hopefully the next 50k will go faster.

$VWRL (+0,33 %)
$VHYL (-0,16 %)
$JEGP (-0,05 %)
$MO (+0,14 %)
$GOOGL (+1,67 %)
$MSFT (+0,28 %)
$ASML (+0,78 %)

#investeren
#dividend
#aandelen

https://youtu.be/knohMWGqET4?si=-9CLUuxfrobeN-kC

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 (+0,74 %) 2.98 % (main share portfolio)
• $NFLX (+2,05 %) 1.92 % (main share portfolio)
• $WMT (+0,05 %) 1.72 % (main share portfolio)
• $FAST (+0,79 %) 1.64 % (main share portfolio)
• $SAP (+0,65 %) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (custody account)
• $SHEL (+1,45 %) : 0.44 % (crypto follow-on portfolio)
• $NOVO B (-0,2 %) 0.45 % (main share portfolio)
• $HSBA (+0,18 %) 0.53 % (crypto follow-on portfolio)
• $GIS (-0,7 %) 0.60 % (main share portfolio)
• $TGT (-0,96 %) 0.64 % (main share portfolio)

Top-performing individual stocks

• Share: Performance since first purchase % (securities account)
• $AVGO (+0,74 %) +299 % (main share portfolio)
• $NFLX (+2,05 %) +174 % (main share portfolio)
• $FAST (+0,79 %) +86 % (main share portfolio)
• $SAP (+0,65 %) : +83 % (main share portfolio)
• $MAIN (-0,14 %) +82 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $GIS (-0,7 %) -33 % (main share portfolio)
• $TGT (-0,96 %) -30 % (main share portfolio)
• $NOVO B (-0,2 %) -27 % (main share portfolio)
• $UPS (-0,2 %) -24 % (main share portfolio)
• $CPB (-0,88 %) -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 (-0,08 %)
• 
  58.00 € for $GGRP (-0,31 %)
• 
  90.00 € for $JEGP (-0,05 %)

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:

• $ISPA (-0,16 %)
• 
  $VWRL (+0,33 %)
• 
  $VHYL (-0,16 %)

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 (+0,49 %) ).
• 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!

Small sale of $NVDA (+2,03 %) .

129 shares and 200 stock options remain (2x long call contracts, 06.2026, 102 strike). So only 3% were sold.

Stop limit trades were also recorded.

The CC Funds ($JEPI
$JEGP) (-0,05 %) have become too hot for me under Trump and expected strong setbacks if he intervenes even more in the markets simply do not work with CC Funds. Was planned for sideways markets.

$PLTR (-0,84 %) is a "hot commodity".

$UBSG (+0,58 %) I have a large residual position and will adjust it a little if necessary. If necessary, I'll tighten the stop.

$RSGN I will set stop trades at 45 from a price of 50. I think that's still within a year's time.

Primary reason for the general liquidation thoughts: Tw. repayment of the Lombard loan.

Lombard loan key data:

Portfolio value: 247k

Lombard loan: 27.1k remaining amount, 30k max. Value to date.

Interest in CHF: 3.0%, p.a.

So around 11% of the current portfolio, or 12.3% of the loaned assets.

Primarily taken out in mid-April - May, around 15% return on average assets since then.

Even better: The loan was primarily used to make 2 trades (NVDA calls, 6k stake (170% return currently) & RSGN, 7k stake (24% return currently), which contribute strongly to the overall performance.

Calculated with the 15%, in 4 months, the Lombard (30k) brought me an additional 4.2k.

I don't have to pay it back - let it run a little longer if necessary...

We are almost at the halfway point on my Road To 100K. Sold a high dividend $TROW (+0,03 %) And achieved a milestone. Also took profits on another strong dividend stock.

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$ASML (+0,78 %)
$VWRL (+0,33 %)
$VHYL (-0,16 %)
$JEGP (-0,05 %)
$BATS (-0,95 %)
$MO (+0,14 %)
$GOOGL (+1,67 %)#tech

#etfs
#dividend
#aandelen
#investeren

https://youtu.be/4rmE5dEYhZE?si=WWt1swu1Sfm__591

https://share.google/iHffyBGoViPINGq1b

$JEPQ (+0,4 %)
$JEGP (-0,05 %)

The two continue to do what they are supposed to 😀

And the currency pair will do something for me again at some point.

Then the current red figures will be put into perspective.

Without currency losses, it doesn't look so bad.