2 months ago I shared that I had broken the 30k. Now the 40k has also been broken. Before the end of the year I hope to reach 50k.
On to more!🤩🦍
$BTC (-0,13 %)
$TDIV (+0,54 %)
$VWRL (+0,15 %)
$VUSA (-0,22 %)
$JEGP (-0,36 %)
$JEPI
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1522 months ago I shared that I had broken the 30k. Now the 40k has also been broken. Before the end of the year I hope to reach 50k.
On to more!🤩🦍
$BTC (-0,13 %)
$TDIV (+0,54 %)
$VWRL (+0,15 %)
$VUSA (-0,22 %)
$JEGP (-0,36 %)
$JEPI
Good morning,
I continue to invest in my ETFs, which means that the relative weighting of individual stocks continues to shrink.
Because of this rock-solid ETF core, I can and want to do without supposedly safe stocks, especially so-called value stocks. I am prepared to take higher risks and focus mainly on growth stocks. After all, ETFs are there for everything else.
Here is my current portfolio: https://app.extraetf.com/de/shared/4MEaYJVdHN
Now I would like to move away from $III (+1,91 %) and $CALM (-0,38 %) possibly also from $BNTX (+0,22 %) and a few others 🤭 I hope this is not a mistake and would therefore like your opinion?
I would also be happy to receive general criticism, suggestions, advice and guidance
Big positions right now in $NVDA (-0,8 %) and $ASML (-0,29 %) I want to grow my portfolio by adding $SIE (-0,19 %) , $TSM (+1,22 %) , $IFX (-0,83 %) and $MSFT (-0,15 %) when the stock prices will be down. My focus is long term growth.
Any recommendations?
$NOVO B (+1,06 %)
$ASML (-0,29 %)
$NVDA (-0,8 %)
$1211 (-2,74 %)
$VWRL (+0,15 %)
$SMEA (+0,35 %)
$VUSA (-0,22 %)
#portfoliofeedback
#beginnerinvestors
August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.
Overall performance
After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:
Performance & volume
My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (-0,74 %) falls back. Rising in terms of performance$MAIN (-0,9 %) and there, too, the$SAP (-0,74 %) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (+1,06 %) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (+0,22 %) has risen from the cellar. But this share still has a long way to go.
Size of individual share positions by volume in the overall portfolio:
Share (%) of total portfolio and associated portfolio:
Smallest individual share positions by volume in the overall portfolio:
Share proportion (%) of the total portfolio and associated securities account:
Top-performing individual stocks
Shares with performance since initial purchase (%) and the respective portfolio:
Flop performer individual stocks
Shares with performance since initial purchase (%) and the respective portfolio:
Asset allocation
My asset allocation is as follows:
Investments and subsequent purchases
Here is a small overview of what I have invested via savings plans according to my fixed planning.
In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:
Additional purchases were made:
If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.
Passive income from dividends
My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:
The top three payers are:
My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.
Crypto performance
My crypto portfolio was characterized by the partial sale of a $ETH (-0,82 %) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.
Here are some key figures:
The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%
As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.
Performance comparison: portfolio vs. benchmarks
A comparison of my portfolio with two important ETFs shows
Outlook and a private bonus
My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.
A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.
Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.
My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.
So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!
👉 You want my review as an Instagram post?
Then follow me on Instagram:
📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein
Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.
👉 How was your August at the depot? Do you have any tops and flops to report?
Leave your thoughts in the comments!
Investors today face a striking dilemma. The S&P500, once the epitome of broad diversification, is now dominated by a small number of AI tech giants. Their share prices have risen so much that the index has almost become a mirror image of a handful of expensive companies. The risk of that is clear: if one of those giants stumbles, the whole market feels the blow. In contrast is the largest cryptocurrency.
Despite fluctuations, it offers momentum that is less dependent on a single cluster of companies.
Whereas the S&P500 floats on overconcentrated and pricey expectations, crypto actually seems to promise more room for new capital flows and growth. For those looking ahead, that's a compelling argument.
$VOO (+0,04 %)
$VUSA (-0,22 %)
$BTC (-0,13 %)
$XRP (-1,6 %)
$ETH (-0,82 %)
$SOL (-1,64 %)
$MSTR (-0,1 %)
$BMNR (+0,63 %)
$MARA (-0,06 %)
$IBIT
$IB1T (+1,14 %)
$ETHA
I genuinely hope something happens in the next few days, otherwise I’ll have to give my thoughts on the entire S&P 500. These daily posts were supposed to include a macro story, plus a buy/sell or addition to the watchlist – not just that exclusively. Yeah, didn’t really work out that way.
Though, I assume that after tomorrow’s speech by Jerome Powell, we’ll finally have a new topic.
FICO ( $FICO (+3,69 %)
) – The King of Credit Scores
FICO might not be as well known as the stars of the market like Nvidia or Microsoft, but it’s just as important for keeping the system running. Roughly 90% of top U.S. lenders use the company’s credit scores when making lending decisions. That’s an incredible moat: banks, credit card issuers, and mortgage providers are effectively locked into FICO’s system.
What makes FICO so compelling is that it combines two strengths. First, its legacy scoring model, which is almost impossible to displace. Second, its growing analytics/software segment, which helps financial institutions with risk management and fraud detection. This second part of the business is often overlooked but has strong growth potential, especially as AI reshapes how banks evaluate customers and manage risk.
The company doesn’t grow like a high-flying tech stock, but it delivers steady, predictable earnings with pricing power – and that’s gold in today’s market.
The main concern, of course, is valuation. Even after the recent selloff, FICO trades at a forward P/E north of 50. And the drawdown didn’t happen in a vacuum. Management’s aggressive pricing strategies drew the attention of regulators – an unforced error. Still, when you consider the irreplaceable role FICO plays, the premium is at least somewhat justified.
For me, it’s not a buy right now. But if we ever move closer to $1000 a share, or a forward P/E of 30, I’d reconsider. For the moment, I’m quite content with my Equifax position, which operates in an adjacent space.
Meta ( $META (-2,33 %)
) – Not Just Facebook Anymore
What started out of a Harvard dorm room has turned into one of the most dominant success stories in social media. Mark Zuckerberg – the nerd turned free speech warrior – made this rise possible. His vision, together with a strong team, led to several highly successful acquisitions that were integrated seamlessly.
The two crown jewels of the “Metaverse,” WhatsApp and Instagram, weren’t built by Zuckerberg himself. They were bought. And today, they stand among the most successful acquisitions in business history. Very few companies can point to such a track record. Facebook – the company that began the journey – is pretty much dead now. Even among seniors, it isn’t what it once was. But that doesn’t matter much anymore, because Meta has become so much more.
Of course, the company has faced plenty of criticism over the years: scandals, regulatory pressure, and the huge bet on the metaverse. That last one even caused the stock to collapse so far in 2022 that not even Tom Lee could have stayed bullish. But it rebounded. The strategy paid off. And Meta now reports one record quarter after the next. Hands down, this is one of the best-managed and widest-moat companies worldwide.
There is no world where WhatsApp or Instagram are replaced. New challengers like TikTok haven’t dented Meta’s dominance. If anything, the platforms are more entrenched than ever.
Recently, the company has made headlines by hiring away the competition. Meta offered packages worth $100 million to the crème de la crème of AI engineers, poaching talent from top firms – including OpenAI. Zuckerberg is building an All-Star team. Let’s see what they can deliver.
I’m extremely bullish on the company, though after such a strong run I’d expect a pullback. If that happens, I’ll be the first to start building up a position again.
$NVDA (-0,8 %)
$MSFT (-0,15 %)
$EFX (+1,26 %)
$LYPS (-0,11 %)
$CSPX (-0,23 %)
$VUSA (-0,22 %)
🔄 Depot update
Today I sold my Realty Income shares (102 shares at ~€5,102). 📉
Reason: At my young age, I want to focus more on growth - and Realty just hasn't been convincing lately.
💡 Instead, I put the entire proceeds directly into the Vanguard S&P 500 (VUSA) (48 shares at ~€5,025). 🚀
Currently the better choice for me: broadly diversified, solid companies, more growth potential.
I'm curious to see what effect the reallocation will have in the long term - compound interest continues to work diligently. 💪📈
👉 Question to the community: Would you prefer growth (e.g. S&P 500) in your younger years or would you continue to focus on dividend stocks like Realty?
Customs revenue in the USA is rising rapidly and reached a new monthly record of 28 billion US dollars in July - almost four times as much as in January.
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