I just want to use the first day of the year to set out my financial cornerstones for 2026. In a way, it's a little public self-talk so that I don't lose focus and have a guideline to follow throughout the year.

Initial situation: Due to my professional background, I have always been very real estate-oriented in my investments. This was no different in 2025, with over 90% of my assets being real estate and less than 10% "other" - including my regular securities portfolio. In principle, I feel quite comfortable with an overweighting in "stones", but I would like to shift the ratio slightly in order to have a larger proportion of assets that can be liquidated quickly. It is also desirable to have less exposure due to possible additional government regulations in the area of tenancy and real estate law (energy-related renovation obligations, rent regulations, etc.).

My portfolio is clearly geared towards distributions, as I am already over 50 years old and no longer fully employed. So I need something I can live from. My portfolio therefore mainly contains 'boring dividend stocks and ETFs'. It would be nice to generate an average of 2tsd euros net per month in dividends by the end of 2026.

Measure 1: A small apartment is for sale - the notary appointment is in the second week of January. Proceeds after deduction of brokerage and transaction costs approx. 200tsd, which will flow directly into the portfolio. I will sell my existing positions $TDIV (+0,73 %) and $WINC (-0,02 %) as well as my individual shares $BATS (+0,52 %) , $RIO (-0,02 %) and $PETR4 (+1,78 %) increase them.

Measure 2: Sale of a small building plot - it is not yet possible to predict when this will be completed, as the plot is somewhat special. However, I think a sale in 2026 is realistic - proceeds approx. 160,000 euros. I would like to use the money to add a few more individual shares to the portfolio. Depending on how the prices have gone by then, I'm thinking of $PZU (+3,25 %) , $PFE (+0,92 %) and $CA (+1,67 %). Maybe I will also $JEGP (+0,32 %) further.

Measure 3: In February/March I will probably get my money back, which I spent on various building materials for a joint project. About 12tsd Euro. This will also go into the depot. There may also be the first returns from my first house subdivision project. But how much will come out of it is speculation, and the money will be returned at GmbH level, so that doesn't "count" for the time being.

Measure 4: This is the biggest board. I don't know yet whether it will work - at the moment I give it a realistic 25-50% chance of being implemented. I would like to take over a package of three houses with two business partners. We have a provisional commitment from the seller, but we have to manage to arrange financing. We need around EUR 3.5 million from the bank, so it won't be easy, especially as we only have until the end of February and the houses have a significant commercial component, which is generally viewed negatively by banks. If anything comes of it, I'll report back. It would be my last big deal in this area. We would split up and sell two houses and keep the third.

(Image generated with Lovart.ai, modified in Photoshop)

Ho ho ho you beautiful Christmas time...

...here again the monthly look in the rear-view mirror🔎

The first thing that surprises me is the fact that the Getquin Rewind is more positive than my monthly benchmark at the end of the month 🤔

According to Rewind, I ended the month with + 1.07%...

...whereas my benchmark closed the month at -0.46% as at 30.11.2025 🤷🏻‍♂️

I can't quite put this together yet, but I assume that the cut-off date for the calculation was different from 30.11. or that gross dividends are also used in some cases 🤷🏻‍♂️

Be that as it may, for me the benchmark is the measure of all things in this context and the month ended with -0.46% 📉

A year-end rally also looks different to me, but all in all I'm quite satisfied with the annual results so far and am close to the lower range of my targets, which have been raised twice so far...

...over the year as a whole, I'm also quite satisfied so far and am on a par with or a nose ahead of the Nasdaq, although my portfolio is anything but tech/growth-heavy 😅

If things continue like this, I see myself well on the way to the first 100k 💪🏻

And if things go really well, this goal could even be reached during the term of office of the Orang(e)-Uta 🍊.

But as we all know, things often turn out differently than you think, so keep spitting in your hands and looking ahead...

In terms of dividends, the month also looked a little better again:

》Gross: € 217.01

》Net: € 176.09

》Yield (TTM): 6.033%

》YOC (TTM): 6.928%

These two values would actually be a little higher, but with every further purchase without a dividend received, they naturally fall again slightly 😉

》Total net dividend: € 1479.94

》CAGR: 495.30%

All in all, after 2 1/2 years, I think it's still easy to bear and should continue to rise steadily in the future, or rather, "the squirrel feeds on hard work" 🙂

》My top 3 this month:

🟢 $BATS (+0,52 %) +14,16% (+100,07%)

🟢 $DTE (+0,27 %) +1,35% (-1,57%)

🟢 $WINC (-0,02 %) +1,30% (+5,31%)

》My flop 3 this month:

🔴 $3750 (+4,02 %) -16,35% (+47,92%)

🔴 $YYYY (-0,21 %) -7,34% (+3,70%)

🔴 $VAR (+2,47 %) -5,49% (+1,01%)

》Disposals:

none

》Additions:

none

》Increased:

$DTE (+0,27 %)

$VAR (+2,47 %)

$1211 (+2,6 %)

Apart from that, there wasn't really much else new, except that my CT scan in November turned out well and my next check-up is due in a week's time.

With this in mind, I wish us all a wonderful pre-Christmas period and a good end to the year...stay tuned 📈👋🏻

I have canceled my fund-based pension insurance and finally received my credit. The money will be invested equally in $TDIV (+0,73 %) and $WINC (-0,02 %) . I triggered the first transaction today, the other will come next week.

I want both price growth and distribution. 😊🧨

ETFs that partly implement a CC strategy also underperform the market over the long term.

$QYLE (+0,41 %)
$JEPI (+0,01 %)
$JEGP (+0,32 %)
$JEPQ (+0,01 %)
$WINC (-0,02 %)
$IE000MMRLY96 (-0,21 %)

https://www.youtube.com/watch?v=K3sYY3T7V8k

...just 3 months ago the 3rd milestone of 20k was reached earlier than expected, last month we also raised our personal year-end forecast from 23k-25k to 25k-28k and now, 1 month later, we are pleased to have to raise it again.

The new target is now 27k-30k and should the upper limit be reached here, the last 10k would be realized in just 6 instead of 10-12 months.

Some people may smile at this numerical example, but this is still a boring dividend portfolio 🤫

...but a quick look at the facts...

...September, even if it wasn't my strongest month, delivered average results in contrast to the past, but we probably owe that more to the April🍊 correction than to the usual course of events...

...for the year as a whole, as I mentioned at the beginning, things are still looking pretty good...

...and more than satisfactory over the entire term so far 🫠

Above all, however, because the currently forecast dividend value for 2026 is mathematically a good ~27% of the average annual investment amount or, to put it another way, this increases by a good ~27% on its own (without taking into account any increases/caps) 💪🏻

Which brings us to the topic of dividends...

...September was a good month and, despite the still modest portfolio value, brought us a monthly dividend of €275.42 net (gross €298.99) for a good reinvest 🤑

There was also a small change to the portfolio itself this month:

》🟢 Top 3

$3750 (+4,02 %) +35,19% (+74,45%)

$HSBA (+1,4 %) +9,41% (+23,42%)

$RIO (-0,02 %) +4,91% (+5,95%)

》🔴 Flop 3

$HAUTO (+0,33 %) -8,32% (+44,10%)

$BATS (+0,52 %) -6,64% (+80,26%)

$1211 (+2,6 %) +1,28% (-16,36%)

》Disposals

$PETR4 (+1,78 %)

$JEGP (+0,32 %)

》Additions

$DTE (+0,27 %)

$WINC (-0,02 %)

》Increased

$DTE (+0,27 %)

$VAR (+2,47 %)

All in all, a good look back at the future 📈

Wishing everyone a nice rest of Sunday and a good UPtober together ✌🏻

...in contrast to the $JEGP (+0,32 %) in my opinion, runs much more quietly without a larger CC and, although not monthly, brings in even more on a quarterly basis.

My new main positions in ETFs ($TDIV (+0,73 %) and $WINC (-0,02 %) ) will be gradually built up over the next few months through deposits / transfers from other asset classes. However, I now have the opportunity to switch my existing savings plan to 'something else'. And here I am fulfilling a long-awaited wish:

The Holy Amumbo 😅 - $CL2 (-0,93 %)

Is it smart to start the paper as a savings plan when the stock market is on fire? No, probably not. I've just always wanted it and have had it on my watchlist for ages.

On the other hand, you have to BELIEVE in saints! If it goes wrong and you go to hell, it's probably because you didn't believe in it hard enough.

It will take forever until a significant sum is accumulated in the savings plan anyway.

[Image material AI generated with Loveart.ai, modified with Photoshop]