Xtrackers DAX ETF

DAX breaks 19,000 points for the first time today. New all-time high. +21% in 12 months. 🇩🇪📈💶👑🏆🥇 #dax
$GDAXI
$DBXD (-5,87 %)
$LYY7 (-5,8 %)
$DAX

Portfolio feedback is welcome. For the ETFs, only $DBXD (-5,87 %) ,$VWRL (-4,62 %) ,$LCUW and

$IUIT (-5,5 %) with a savings plan.

📈 DIVIDEND SEASON 2024 - WHICH COMPANIES WILL SURPRISE POSITIVELY WITH THEIR DISTRIBUTIONS AND WHICH WILL DISAPPOINT? 📊

Many here tend to attach more importance to regular distributions when investing in shares; an exciting comparison of returns here in a current Artikel which I will briefly discuss:

Despite challenges such as the war in Ukraine and persistent inflation, the $DBXD (-5,87 %) recorded strong price gains last year. But is this development also in line with the dividends? The dividend amount does not necessarily correlate with the share price performance. (1)

30 of the 40 DAX members have already announced their dividends. Some surprised positively, while others (e.g. $BAYN (-6,12 %) ) were disappointing.

The change in the attractiveness of dividend yields in relation to corporate bonds will also be very relevant in the future...

For example $SIE (-7,45 %) offers a dividend yield of 2.6 %. However, investors in corporate bonds can expect an attractive yield of 3.0%. (3)

In the article you will find among others for $DHL (-6,85 %)
$BMW (-5,51 %) and many other DAX companies the comparison of corporate bonds to dividend yields :)

https://www.ideas-magazin.de/2024/ausgabe-264/titelthema/

(1) Introduction

(2) Section "Eleven positive and 5 negative DAX surprises"

(3) ibid. "DAX dividends 100 basis points above the bond yield?"

#Rohstoffe
#Finanzen
#Marktausblick
#commodities
#marketsentiment
#finance 📊

This article is part of an advertising partnership with Société Générale

According to a study by the Deutsche Schutzvereinigung für Wertpapierbesitz (DSW) and the Technical University of Munich, the executive boards of the 40 companies listed on the German DAX earned less on average last year than before, despite increased group profits. The total compensation of DAX board members, including group CEOs, averaged €3.34 million, a year-on-year decline of 8.4%. The pay gap with average employees has narrowed and now stands at a ratio of 38 to 1. Still quite a difference. This decrease is explained by the increase in personnel expenses per employee and the decrease in executive compensation. In 2021, top managers still earned 52 times as much as average employees.

Although DAX companies increased sales and profits overall in 2022, the stock market falls depressed the earnings of top executives. Part of the executive board's compensation is variable and linked to the development of the company's share price. The $DBXD (-5,87 %) recorded a loss of 12.3% for the full year 2022.

The study also shared the top 3 salaries, among others:

🥇 $DBK (-10 %) Chief executive Christian Sewing with 9.2 million euros

🥈 $VOW (-3,61 %) Chief Oliver Blume with 8.8 million euros + 0.5 million euros as Chairman of the Executive Board of Porsche AG

🥉 $MRK (-4,87 %) Chief Belen Garijo with 8.3 million euros

Pretty fat sums, but nice to see that a woman is also involved.

Do you think that executive salaries will change again in the near future? If so, will they increase or decrease?

Study: https://www.dsw-info.de/fileadmin/Redaktion/Dokumente/PDF/Presse/DSW-Vorstandsverguetungsstudie_2023_-_PK_Tabellen-final.pdf

Hello dear community,

My name is Maurice and I have been dealing with the topic of investments since about my 18th birthday (June 2022). I have acquired some knowledge, but I still classify myself as a beginner. In the meantime, I have built up a small portfolio, in order to find my way in the "new world" for me. Currently I am doing an apprenticeship as a technical product designer and invest 200€ per month in a savings plan, which consists of stocks, ETFs and a small part of crypto, but more about that later. I will increase my monthly savings rate over the next few years depending on my salary. My goal is to invest for the long term in order to be financially independent shortly before my retirement. In addition, I would like to increase my motivation through dividend distributions. I would like to reinvest the dividends afterwards.

Let's move on to my investment strategy:

I will soon, so at the end of December restructure my portfolio, and namely I have thought there to go with a 60/35/5 strategy. So 60% in ETFs, 35% in stocks and 5% in cryptos.

In terms of ETFs, I will continue to hold almost all of my current stocks.

This includes for the most part the Core MSCI World $EUNL (-5,63 %) , a smaller part in the DAX $DBXD (-5,87 %) , a constant small part in Global Clean Energy $IQQH (-4,46 %) , Automatioson & Robotic $RBOT , Digital Security $L0CK (-5,17 %) and in the Stoxx Global Dividend 100 $ISPA (-4,61 %) . I have divided the ETFs so that I also get a small part of dividends from two ETFs.

For the stocks, I split the 35% from the monthly savings rate into 60% distributing stocks and 40% accumulating stocks. Among the distributing stocks are BlackRock $BLK, Microsoft $MSFT (-2,36 %)Allianz $ALV (-8,43 %) and British American Tobacco $BATS (-4,36 %). For the accumulating stocks, I will go for Amazon $AMZN (-3,47 %), Alphabet $GOOGL (-2,74 %) and Tesla $TSLA (-9,97 %) choose.

Lastly, the cryptos. There I will also split the 5% into 60% and 40%. 60% will be in Ethereum $ETH (+1,05 %) and 40% in Bitcoin $BTC (+0,71 %) invested. However, I will invest the 5% of the monthly savings rate only every 6 months in Ethereum and every 8 months in Bitcoin, because otherwise the transaction costs would put a spoke in my wheel 😉.

Why I would choose these values:

Core MSCI World forms the core of the ETF portfolio. This provides a high degree of diversification of risk. I also splurged on DAX with a slightly higher splurge, although it is not the best investment for long term as it is only split between the 40 largest companies in Germany. In the long term I see gloabal clean energy, automation and digital security with high growth potential as the mediated values should become more and more important for us. Stoxx Global I cover because it is spread over several large countries and also covers many industries.

When it comes to stocks, I tend to go with the big companies because I believe in their products and services and consume some of them myself. BlackRock I find interesting because they are the largest asset manager and their dividend growth in recent years is also worth mentioning.

I invest in technology through Microsoft and Alphabet. Longer term, I see a big market there because technology will continue to advance.

I would also invest in Allianz because it is one of the largest insurance companies and its business model appeals to me.

British American Tobacco is fine for me personally at the moment because there are still enough people who smoke or are also addicted.

I think Amazon is a safe and profitable investment because it is the largest e-commerce company and the consumption of goods over the Internet will not decrease in the next few years.

Finally, I would invest in LVMH because luxury goods are bought steadily. Through this, I would also like to invest in another or in another industry to continue my dividend strategy.

As for cryptocurrencies, I believe Ethereum has more potential than Bitcoin because Bitcoin is a pure digital currency. Ethereum serves as a complete network and decentralized applications. Nevertheless, I invest in both to diversify again.

I welcome tips and suggestions for improvement!

Ps. Thanks @DonkeyInvestor for the structure.

Month 3

Month 2

Month 1