While I wandered through Rostock and Schwerin, spent a frugal night and found a moment of peace in Schwerin Cathedral, my depots simply carried on doing their thing. No hectic rush, no manual interventions, no nervous glances at my smartphone. The automation of my reinvestments, savings plans and standing orders is simply worth its weight in gold!

And then, right in that moment of silence in the cathedral, a message demanded my attention. It was the moment when the biggest dividend of the month arrived. A sign from the very top, or timing straight out of a picture book? Back home at the end of the month, a new player became apparent in the portfolio, which advanced into the top 5. But catching up with my strongest stock is still a long way off for the new challenger. Time for a review.

Overall performance

For me, November in general was the same as always: steady and boring. I didn't even really notice that the US budget shutdown had ended. Just as well, because business as usual can continue.

My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1.40 % (previous month: +1.39 %)
• TTWROR (since inception): +79,75 %
• IZF (month under review): +18.54 % (previous month: +9.65 %)
• IZF (since inception): +11,22 %
• Delta: +1,211.47 €
• Absolute change: +€2,398.46

Performance & volume

$AVGO (+1,72 %) remains the heavyweight in the portfolio, but as mentioned in the introduction, there is a new challenger that made significant gains in November and has now moved into the top 5. $GOOGL (+1,51 %) pulls past $BAC (+0,54 %) . They have just delivered. New Gemini and Nano Banana version. The constant new advances in AI are the clear driver here. But watch out! The question in the future will be who will earn money with AI. Will it be those who have integrated it into their products or those who create the basic prerequisites for its use via data centers and hardware? I am curious.

And even if this competition is super exciting, these values are not in my sights, more on that later in the outlook.

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

Share ( %) of total portfolio (and associated portfolio):

$AVGO (+1,72 %) 3.57 % (main share portfolio)

$WMT (-3,69 %) 1.75 % (main share portfolio)

$GOOGL (+1,51 %) 1.56 % (main share portfolio)

$NFLX (-0,55 %) 1.60 % (main share portfolio)

$BAC (+0,54 %) 1.46 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share ( %) of the total portfolio (and associated securities account):

$NOVO B (+8,23 %) : 0.45 % (main share portfolio)

$GIS (-3,86 %) : 0.56 % (crypto follow-on portfolio)

$BATS (-0,05 %) 0.57 % (main share portfolio)

$TGT (-1,59 %) 0.57 % (main share portfolio)

$MDLZ (-0,62 %) 0.59 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase ( %) (and the respective portfolio):

$AVGO (+1,72 %) : +369 % (main share portfolio)

$NFLX (-0,55 %) +120 % (main share portfolio)

$GOOGL (+1,51 %) +119 % (main share portfolio)

$WMT (-3,69 %) +95 % (main share portfolio)

$OHI (+0,59 %) + 90 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase ( %) (and the respective portfolio):

$TGT (-1,59 %) : -35 % (main share portfolio)

$GIS (-3,86 %) : -35 % (main share portfolio)

$NKE (-0,28 %) -31 % (main share portfolio)

$NOVO B (+8,23 %) -29 % (main share portfolio)

$CPB (-3,29 %) -26 % (main share portfolio)

Asset allocation

Equities and ETFs currently determine my asset allocation.

ETFs: 41.3 %

Equities: 58.6 %

Crypto: 0.0 %

P2P: less than 0.01 %

Investments and subsequent purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: € 1,030

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,140

Savings ratio of the savings plans to the fixed net salary: 49.75

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

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 75.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 21.98

Subsequent purchases from other surpluses: € 0.00* (additional purchases are only made in December)

Automatically reinvested dividends by the broker: € 2.08 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Unscheduled purchases were made on various securities accounts outside the regular savings plans:

Number of unscheduled purchases: 9

21.98 € for $SPYW (+0,11 %)

35.00 € for $SPYW (+0,11 %)

40.00 € for $GGRP (+0,28 %)

35.00 € for $GGRP (+0,28 %)

Passive income from dividends

I received € 113.15 in dividends (€ 82.45 in the same month last year). This corresponds to a change of +37.36 % compared to the same month last year. For a rather weak month, this is a great sum, which I am grateful for and from which I made a small donation in addition to reinvesting, as I did in September and October. Other key figures:

Number of dividend payments: 22

Number of payment days: 10 days

Average dividend per payment: € 5.60

average dividend per payday: € 12.32

The top three payers in the month under review were:

$IWDP (+0,01 %)

$ZPRG (-0,06 %)

$HTGC (+0,7 %)

My passive income from dividends (and some interest) mathematically covered 12.59% of my expenses for the month under review. Acceptable for a weak month with medium-high expenses (by my standards).

Crypto performance

As I play by the cycle theory, I got out of crypto completely in October. The share was previously insignificant in my portfolio anyway, but the harvest has nevertheless been reaped. Only the Oracle of Delphi knows whether I am right with my approach. There was more in an earlier getquin post from me, in which I explained my assumptions and strategy in detail.

So there are no key figures to report. Now it's time to learn and understand.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows the TTWROR in the current month (and since the beginning):

My portfolio: +1.40 % (since I started: +79.75 %)

$VWRL (+0,26 %) -0.50 % (since my start: 62.52 %)

$VUSA (+0,18 %) -0.48 % (since my start: 58.04 %)

Finally performed better than my chosen benchmark ETFs.☺️

Risk figures

Here are my risk figures for the month under review:

Maximum drawdown: YTD: 17.17% (month under review: 2.34%)

Maximum drawdown duration: 702 days since inception (reporting month: 14 days)

Volatility: YTD: 28.15 % (in the month under review: 2.44 %)

Sharpe Ratio: YTD: 0.39 (in the month under review: 7.63)

Semi-volatility: YTD: 20.91 % (in the month under review: 1.75 %)

The maximum drawdown of 702 days since the beginning is a long period 2022-2023 before the year-end rally began at the end of 2023. Otherwise the figures suit me well.

My Sharpe ratio of 0.39 YTD shows that I have achieved a return of 0.39 units above the risk-free rate per unit of risk.

My vola of 28.15% YTD is the direct footprint of the loud roar and then small cave-in of Trump's tariff policy. It has proven itself again: For me as a long-term investor, what counts is simply staying calm and buying the dip when another dip comes.

Outlook

I still have some money left over from my food and drugstore budget, but I won't be (re)investing it until December with the surpluses I hope to have by then. I've chosen a boring REIT that won't be $O, but still pays out monthly dividends and has long been a position in my portfolio. Strictly speaking, I've seen little or no mention of this stock among the financial tycoons recently. You'll see which one in the next review.

The last point will be a little more personal again. Loyal readers of my reviews will know from the August review that this summer I was diagnosed with aortic ectasia of the ascending aorta near the heart as a result of the bicuspid and insufficient aortic valve. An incidental finding that will be treated with the necessary seriousness through close monitoring and an upcoming operation. And precisely because of this, it is no longer the ticking time bomb that it would be if it were still undetected and possibly larger. The knowledge of this and now my own adjustment to day X is gradually changing my way of thinking. Before the discovery, when I was just a patient with a leaky aortic valve who regained a lot after changing my lifestyle for the better, e.g. exercise, I was influenced by the idea that I had a lot of time to implement what was on my mind. Now I know that I want to get a few things done before the day of the procedure and the lengthy recovery. I am now aware of the issue of time in a whole new way. Why am I writing this publicly? Because I want to show that finances are certainly important, but only one piece of the puzzle of life.

So, that's enough writing. With that in mind, have a wonderful Christmas.

Thank you for reading. Stay healthy and happy!

👉 You can also see my review on Instagram from next week (portfolio review from 8.12.25 and budget review from 9.12.25).

📲 In addition to the portfolio and budget review, there are currently three posts a week: @frugalfreisein

!!! Please pay close attention to the spelling of my alias. Unfortunately, there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How was your month at the depot? Do you have any tops and flops to report? Leave your thoughts in the comments!

My wife has been saving stupidly for a long time. $VWRL (+0,26 %)

As the USA and tech share is very high there, we would now like to add 1-2 more ETFs to balance out the portfolio somewhat.

I was thinking of an emerging market ETF and a dividend ETF in order to be broadly diversified across everything.

More specifically, I was thinking of the emerging markets from $VFEM (+0,01 %) in particular.

With the dividend ETF, I'm still wavering between the $TDIV (+0,48 %) or $ZPRG (-0,06 %) .

Your opinion or addition to the ETF?

September was the month in which my account shone like the last rays of summer sunshine! Why? The half-year bonus catapulted this month into the month with the highest income of all time. Of course, the money doesn't go into savings, but is put into the market the following month, because share price growth and dividends beat any consumption. There was also an unexpected refund from the dental supplement, which has already been reinvested. Who says that prophylaxis doesn't bring returns after all?

And what else? Business as usual: preparations for ice swimming started at the end of the month thanks to colder temperatures, daily sport and exercise, a nice community meeting of frugalists and investors. Yes, we talked about dividends rather than the latest fashion. Everything was rounded off with a donation. My portfolios went sideways, but did what they are supposed to do: Generate cash flow. And from this month onwards, there will be additional risk figures presented. A little growth and distribution. Time for a review!

Overall performance

This month was a typical month of consolidation for me. My investments moved sideways with only a very slight increase. Is this a good sign for a year-end rally? There was also an initial cut in the Fed's key interest rate. However, there were no major movements, and Q4 is more likely to be responsible for this. As always, income rained down on the account. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1,76 % (previous month: +1.01 %)
• TTWROR (since inception): +76,55 %
• IZF (month under review): +9,64 % (previous month: +12.50 %)
• IZF (since inception): +11,15 %
• Delta: +€615.12
• Absolute change: +€2,635.52

Performance & volume

The rise in the price of $AVGO (+1,72 %) allows my largest single share position to grow further and strengthens its dominance. And the class leader has not spilled the beans in terms of performance since purchase either: +337%! After the $BAC (+0,54 %) climbed into the top 5 by volume in the previous month, it remains in this group. The banks are currently doing well. Also$WMT (-3,69 %) The retail giant is a reliable dividend payer and an important pillar among my individual stocks. The competitor$TGT (-1,59 %) on the other hand, is the red lantern in my portfolio. Despite thefts and sales problems, I see a healthy business model. I am sure that this share will bounce back and continue to invest on a monthly basis.

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

Share (%) of total portfolio and associated portfolio:

$AVGO (+1,72 %) 3.30 % (main share portfolio)

$NFLX (-0,55 %) 1.87 % (main share portfolio)

$WMT (-3,69 %) 1.74 % (main share portfolio)

$FAST (+0,18 %) 1.72 % (main share portfolio)

$BAC (+0,54 %) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$SHEL (+0,14 %) : 0.41 % (crypto follow-up portfolio)

$NOVO B (+8,23 %) 0.50 % (main share portfolio)

$TGT (-1,59 %) 0.55 % (crypto follow-on deposit)

$HSBA (+0 %) 0.58 % (main share portfolio)

$GIS (-3,86 %) 0.60 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$AVGO (+1,72 %) a: +337 % (main share portfolio)

$NFLX (-0,55 %) : +153 % (main share portfolio)

$WMT (-3,69 %) : +78 % (main share portfolio)

$FAST (+0,18 %) +76 % (main share portfolio)

$SAP (-0,44 %) +75 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$TGT (-1,59 %) : -38 % (main share portfolio)

$GIS (-3,86 %) -31 % (main share portfolio)

$NKE (-0,28 %) -27 % (main share portfolio)

$CPB (-3,29 %) -24 % (main share portfolio)

$UPS (-0,85 %) -24 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

ETFs: 39.1%

Equities: 58.6%

Crypto: 2.2 %

P2P: less than 0.01 %

Investments and subsequent purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: € 1,030

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,140

Savings ratio of the savings plans to the fixed net salary: 49.75

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

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 73.00

Subsequent purchases/non-recurring savings plans as cashback annuities from bonuses/incentives from the KK: € 0.00

Subsequent purchases from other surpluses: € 31.00

Automatically reinvested dividends by the broker: € 5.03 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Additional purchases were made:

Number of additional purchases: 2

73.00 € for $TDIV (+0,48 %)

25.00 € for $ZPRG (-0,06 %)

Passive income from dividends

My income from dividends amounted to € 139.14 (€ 128.42 in the same month of the previous year). This corresponds to a change of -1.36% compared to the same month last year. The slight decrease is due to the fact that my large Vanguard ETFs postponed the distribution to the following month. The following are further key data on the distributions:

Number of dividend payments: 34

Number of payment days: 17 days

Average dividend per payment: € 4.09

average dividend per payment day: € 8.18

The top three payers are:

$ARCC (+0,03 %)

$UPS (-0,85 %)

$DXSA (-0,21 %)

My passive income from dividends (and some interest) mathematically covered 16.05% of my expenses in the month under review.

Crypto performance

My crypto portfolio ran sideways in September with highs and lows. The hope here lies more in the coming Q4. My key figures:

Performance in the reporting period: +8.66 %

Performance since inception: +135.10

Share of holdings for which the tax holding period has expired: 98.57 %.

Crypto share of the total portfolio: 2.20 %

I am vigilant with regard to crypto. The exit should continue. I don't want to provide the exit liquidity for the other market participants. There will be news in the following month.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

TTWROR (current month): +1,76 %

$VWRL (+0,26 %) : +2,63 %

$VUSA (+0,18 %) : +2,56 %

One possible explanation for the poorer performance compared to the index values could be a higher proportion of individual shares,

New: Risk indicators

Here are my key risk figures for the month under review (and in brackets YTD)

Maximum drawdown: 0.94% (17.17%)

Maximum drawdown duration: 19+ days (231+ days)

Volatility: 1.68% (11.51%)

Sharpe Ratio: 5.73 (0.29)

Semi-volatility: 1.21% (9.04%)

An extremely low drawdown of only 0.94% shows that your portfolio had hardly any fluctuations during the month. This is typical for a sideways phase or stable markets.

The YTD drawdown of 17.17% is no coincidence: Trump's tariffs have mainly affected consumer-related stocks such as $TGT (-1,59 %) have been hit. However, my focus on stable dividend payers and broad-based ETFs has limited the losses. The fact is, however, that Trump has put a dent in my figures.

Outlook

As you can see from the introduction, there were no highlights, but there were also no disasters for me to report on. So we're done for this month. Thanks for reading!

However, I still have some questions for you to improve my review:

Are you also interested in the performance and top/flop5 of my ETFs or cryptos? Then let me know in the comments and I'll include it in the coming months.

In my posts on Instagram and also here, I keep talking about my cashback pension. Would you like to know more about the concept, what's behind it for me and how it will supplement my "share and ETF pension"?

My review here on getquin includes additional key figures as well as those from my Instagram reviews. Would you also like to see more from the budget review of my private finances included here as a little extra?

👉 Would you like to view my review as an Instagram Carousel post?

Then follow me on Instagram:

📲 There's also 3 posts a week in addition to the portfolio and budget review: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have also been "copied" several times now.

👉 How was your month in the portfolio? Do you have any tops and flops to report?

Leave your thoughts in the comments!

Thanks to @gloinvest for the hint. @lawinvest brings a second calculation for US shares:

Example for US shares:

• You receive 100 $ dividend.
• 15 € will be withheld in the USA. (Provided form W-8BEN has been filed)
• In Germany you pay another $ 25 tax on the $ 100 + $ 1.375 solidarity tax
• But: 15 € are credited → you pay only an additional $11.375.

For the ETF in Ireland:

• You receive $100 dividend.
• 15 € will be withheld in the USA. (at font level)
• In Germany you pay another $14.875 tax on 70% of $85 + $0.8181 solidarity tax
• No crediting of withholding tax

So there is a 4.31% advantage here with direct investment in US shares via an Irish ETF

For countries with higher withholding tax (e.g. Switzerland 35%, France 25%, Italy 26%) it is much more complicated, because the credit is often capped and you have to get the rest via refund procedures.

ETFs often have better withholding tax efficiency because large fund companies can sometimes carry out refunds/reclaims that you would not be able to do as a private investor.

📊 Taxing dividends cleverly - ETF vs. individual share?

( Does this apply to D, other countries too? in AT, funds are taxed at a flat rate ( KEst) in CH there is wealth tax ..... )

You have Colgate in your portfolio and wonder why the dividend of 26,36 % while the same dividend via a dividend ETF is only taxed at 18,46 % is charged? Here is the explanation - and a smart tip for all dividend fans!

💡 The difference: partial exemption for ETFs

Benefit in Germany equity ETFs benefit from the so-called partial exemption:

• 30% of the income is tax-freeif the ETF invests at least 51% in shares.
• This reduces the effective tax burden on dividends from 26.375 % to approx. 18.46 %..

Individual shares such as Colgate, on the other hand, are subject to full withholding tax - despite partial crediting of the US withholding tax.

🧾 Conclusion

🔹 Individual shares = full tax but deduction of withholding tax

Dividend ETFs = tax-optimized, particularly interesting for non-US equities with higher withholding tax. Important for broad diversification!

🔹 Partial exemption = compensation must be calculated to determine whether it is worthwhile.

Can it be an ADVANTAGE in the long term? According to the above calculation, the advantage lies in direct investment for pure US equities, otherwise ETF is simpler and more profitable.

Here are a few examples:

🌍 Global dividend ETFs

• Vanguard FTSE All-World High Dividend Yield UCITS ETF $VHYL (+0,13 %)
  ISINIE00B8GKDB10
• Distributing, quarterly
• TER: 0,29 %
• Partial exemption: 30 %
• Invests worldwide in high-dividend companies
• iShares MSCI World Quality Dividend UCITS ETF $WQDS (+0,19 %)
  ISIN : IE00BYYHSQ67: IE00BYYHSQ67
• Focus on high quality dividend payers
• TER: 0,38 %
• Distributing, with global diversification
• SPDR S&P Global Dividend Aristocrats UCITS ETF $ZPRG (-0,06 %)
  ISIN : IE00B9CQXS: IE00B9CQXS71
• Contains companies with long-term dividend history
• TER: 0,45 %
• Distributing

🇩🇪 Dividend ETFs on German equities

• Deka DAXplus Maximum Dividend UCITS ETF $EL4X (+0,1 %)
  ISINDE000ETFL235
• Focus on highest dividend yields in the HDAX
• TER: 0,30 %
• Distributing
• Amundi DivDAX UCITS ETF Dist $E903 (+0,13 %)
  ISIN: DE000A0F5UH1
• TER: 0,25 %
• Distributing, based on DivDAX Index

🇺🇸 US dividend ETFs with good withholding tax structure

• Vanguard Dividend Appreciation ETF (VIG) $VIG (-0,22 %)
  ISIN: US9219088443
• Focus on high-growth dividend payers
• Attention: US domicile → note withholding tax
• SPDR S&P US Dividend Aristocrats ETF (SDY) $SPYD (-0,47 %)
  ISINUS78464A7634
• Contains US companies with at least 25 years of dividend growth

Which ETF do you have in your portfolio? Or why individual shares?

P.S. Before everyone says, it's common knowledge. You can never give out information like this too often. Maybe I heard it 5 years ago, but I haven't thought about it now. Surely others will feel the same way, right?

Good morning,

I am quite new to the subject of investing etc. My knowledge ? I'm sure 99% of you have more.

And that's where I really need help. I am 39 and would like to build up a cash flow with dividends. Yes, I know that investing would be better in the long term. But I realized first hand how a little cold can lead you to the intensive care unit with 9 months of sick leave (including rehab etc).

That's when I realized that you also live in the here and now. Of course I also want to think about tomorrow, but I want to be able to do both. I would like to start with 250€ /month. I have in mind etf like $HMWO (+0,27 %) , $VHYL (+0,13 %) , $ISPA (+0,44 %) ,$TDIV (+0,48 %)
$ZPRG (-0,06 %) , $EUHD (+0,12 %)
$VWRL (+0,26 %) in mind.

And yet I am unsure . How much in whom, which one do I take ? should I possibly consider others ? Does the selection make sense at all? Do I want a distribution every month (would be great)?

At the moment I don't need the distribution and would reinvest it.

So many question marks buzzing around in my head .... Do you have any advice?

Thank you very much

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:

• TTWROR (month of August): +1.01 % (previous month: +3.82 %)
• TTWROR (since inception): +73,69 %
• IZF (month of August): +12.50 % (previous month: +46.14 %)
• IZF (since inception): +10,79 %
• Delta: +794.74 €
• Absolute change: +1,850.61 €

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, $SAP (-0,44 %) falls back. Rising in terms of performance$MAIN (-0,52 %) and there, too, the$SAP (-0,44 %) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (+8,23 %) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (-3,29 %) 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:

• $AVGO (+1,72 %) : 3.30 % (main share portfolio)
• $NFLX (-0,55 %) 1.98 % (main share portfolio)
• $WMT (-3,69 %) 1.72 % (main share portfolio)
• $FAST (+0,18 %) s: 1.69 % (main share portfolio)
• $BOA 1.45 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share proportion (%) of the total portfolio and associated securities account:

• $SHEL (+0,14 %) : 0.42 % (crypto follow-on portfolio)
• $NOVO B (+8,23 %) 0.49 % (main share portfolio)
• $HSBA (+0 %) 0.54 % (crypto follow-on portfolio)
• $TGT (-1,59 %) 0.57 % (main share portfolio)
• $GIS (-3,86 %) 0.61 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $AVGO (+1,72 %) : +328 % (main share portfolio)
• $NFLX (-0,55 %) : +176 % (main share portfolio)
• $FAST (+0,18 %) +83 % (main share portfolio)
• $MAIN (-0,52 %) : +79 % (main share portfolio)
• $SAP (-0,44 %) +74 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $TGT (-1,59 %) : -36 % (main share portfolio)
• $GIS (-3,86 %) -31 % (main share portfolio)
• $UPS (-0,85 %) -26 % (main share portfolio)
• $NKE (-0,28 %) -25 % (main share portfolio)
• $NOVO B (+8,23 %) -21 % (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:

• Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 79.00
• Subsequent purchases/one-off savings plans as a cashback annuity from bonuses/incentives from the KK: € 20.00
• Subsequent purchases from other surpluses: € 30.00
• Automatically reinvested dividends by the broker: € 3.01 (this function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 55.00 € for $JEGP (+0,14 %)
• 
  44.00 € for $GGRP (+0,28 %)
• 
  30.00 € for $FGEQ (+0,29 %)
• 
  295.08 € for $DXSA (-0,21 %) (funds from the sale of a $ETH (-1,96 %) tranche)

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:

• Number of dividend payments: 22
• Number of payment days: 12 days
• Average dividend per payment: € 5.83
• average dividend per payment day: € 10.70

The top three payers are:

• $IWDP (+0,01 %)
• 
  $ISPA (+0,44 %)
• 
  $ZPRG (-0,06 %)

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 (-1,96 %) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.

Here are some key figures:

• Monthly performance portfolio: +0.29 %
• Performance since inception: +134.35 %
• Share of holdings for which the tax holding period has expired: 98.55 %.
• Crypto share of the total portfolio: 2.20 %

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

• TTWROR (current month): +1,01 %
• $VWRL (+0,26 %) : -0,33 %
• $VUSA (+0,18 %) : -1,13 %

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!

Hello everyone!

I follow a dividend strategy together with a few securities as ETFs. In addition, there are a few crypto stocks, but these were often just gimmicks that went quite well in the aftermath. Now I have the $ZPRG (-0,06 %) with the $VWCE (+0,27 %) exchanged. But now I have the thought that this was not quite so clever, as it has doubled well with the $IWDA (+0,23 %) . What do you think? Is it still okay or should I change something?

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (-0,25 %) , $O (-1,49 %) and $ATO (+0,58 %) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0,23 %)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0,04 %)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,06 %)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (+0,13 %)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0,1 %)

50 €

FTSE Emerging Markets (Dist)$VFEM (+0,01 %)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-1,15 %) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

✅ I took profits today from Amazon $AMZN (+1,25 %) , Microsoft $MSFT (-0,28 %) and NVIDIA $NVDA (+2,77 %) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (-0,17 %) - (future play with GTA 6)
• Shell $SHEL (+0,14 %) - (energy + dividend)
• BYD $1211 (-1,05 %) - (growth China/E-mobility)
• Procter & Gamble $PG (-1,38 %) - (stable dividend, consumer goods)
• Allianz $ALV (+0,28 %) - (high dividend, defensive)
• McDonald's $MCD (-2,1 %) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (-1,59 %)
• 
  Realty Income $O (-1,49 %)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (+0,13 %)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (-0,06 %) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?