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437The bear in the pan goes crazy
I have reached my first major milestone and wanted to ask you what else you would add?
my idea was to add the $IWDA (+0,72 %) ETF next year (after the $CSNDX (+0,78 %) is full with 10000€ for now) 😈
Savings plans are currently running:
550€/month in the $CSNDX (+0,78 %) ETF
100€/month in $KO (+1,1 %)
100€/month in $PG (+3,31 %)
the rest is purchased manually
Hello everyone,
some of your contributions have motivated me to share something.
Briefly about me: I am 30 years old, employed and have a net income of approx. 3600€ (approx. 4000€ at the beginning of 2025). Quite a new father, so I'm curious to see how I can still maintain and increase my savings goals.
I had to more or less liquidate my savings account in 2021 due to a house purchase, otherwise I would probably already be a bit further ahead.
I'm currently saving €415 a month via savings plans and I also make one-off purchases when it suits me financially.
My portfolio is not yet clear enough for my taste. My goal is the following allocation:
60% ETF
20% individual shares
10% gold
10% P2P
Uniglobal is currently still quite strongly represented. This is a VWL legacy, as my bank advisor recommended it to me at the time. I haven't changed it yet as I had other focal points. But I'm aiming to do that. But I'm not yet sure what exactly I'm saving for.
My goal for the coming months and 1-2 years:
To $IWDA (+0,72 %) to ensure that the shares are redistributed automatically. I will leave P2P. I will buy gold as soon as I have cracked the 20k mark (as a reward, so to speak). I will also leave the individual shares I have. In some cases, I also save these via a savings plan ($KTN (-1,11 %)
$KO (+1,1 %)
$SHEL (-1,61 %) and $JNJ (+0,03 %) )
In 2 weeks I would like to invest about 1.5k of my Christmas money. Here, too, I am currently leaning towards $IWDA (+0,72 %) .
Overall, I'm trying to increase my savings rate, but I'll have to wait and see how this is possible due to my new role as a father. My mother is on parental leave and receives parental allowance.
What would you change in my portfolio if it were yours? I am grateful for any advice and look forward to your comments.
Your Dominik
Warren Buffett and Berkshire Hathaway $BRK.B (+1,54 %) currently hold Apple shares
$AAPL (+0,65 %) worth about 69,9 billion US dollars (as at the end of the 3rd quarter), compared with a previous value of 84,0 billion US dollars.
The cash position at the end of the third quarter amounted to 325,2 billion US dollars, a new all-time high, up from 276,9 billion US dollars at the end of the second quarter.
The Apple share rose by 10.75 % in the third quarter.
If Buffett had not sold any Apple shares during the quarter, his position would now be around 93,3 billion US dollars.
At the end of the third quarter, the largest equity holdings Warren Buffett and Berkshire Hathaway were as follows:
-25,7 % - Apple
$AAPL (+0,65 %)(compared to 29.6% at the end of Q2)
-15,1 % - American Express
$AXP (+0,52 %)
-11,7 % - Bank of America
$BAC (+1,3 %)
-10,6 % - Coca-Cola $KO (+1,1 %)
-6,4 % - Chevron
$CVX (+0,94 %)
Photo: Bloomberg
Fascinating overview of Coca-Cola
$KO (+1,1 %) - Quartr always impresses me.
Week in review 26.10.
New 52-week highs or all-time highs: Gold, Silver, Booz Allen Hamilton, Boyd Gaming, Carvana, Endeavour Silver, GE Vernova, Iron Mountain, L3Harris, Philip Morris, Reddit, SAP, Sea Ltd, Teledyne Netflix, Nvidia, Microstrategy, Palantir PayPal, SoFi, Wells Fargo, Welltower, Wyndham Hotels & Resorts
Palantir (+170%) points to 2024 Vistra (+231%) and Nvidia (+202%) the third-best performer in the S&P 500
Tesla +20% after good quarterly figures, best trading day in 11 years, cheaper new model coming in H1/2025, +9% since the beginning of the year
New Apple MacBooks with M4, Mac mini and iMac will be presented next Monday, Apple shares +26% since the beginning of the year
McDonald's E.coli - bacteria in burger meat, one dead and several injured, shares fall 8%, +1% since the beginning of the year
SAP with good quarterly figures, +61% since the beginning of the year
Deutsche Bank with good quarterly figures, +26% since the beginning of the year
Mercedes with poor quarterly figures due to weak business in China, -9% since the beginning of the year
Microsoft-shareholders want to vote on Bitcoin purchase for the balance sheet at the Annual General Meeting in December, Bitcoin +59% since the beginning of the year
Qualcomm and ARM are in a license dispute over the Nuvia takeover, ARM +112% since the beginning of the year, Qualcomm +23% since the beginning of the year
Lockheed Martin with good quarterly figures, +24% since the beginning of the year
L3Harris with good quarterly figures, +24% since the beginning of the year
RTX (Raytheon) with good quarterly figures, sales and profit forecasts raised, +48% since the beginning of the year
UPS with good quarterly figures, -9% since the beginning of the year
Texas Instruments with good quarterly figures, +25% since the beginning of the year
Coca Cola with good quarterly figures, +15% since the beginning of the year
IBM with strong profit growth but disappointed sales, +36% since the beginning of the year
Munich RE Profit warning due to major losses, +24% since the beginning of the year
Starbucks has suspended its forecast for the coming financial year as new CEO Brian Niccol seeks to restructure the company but increases dividend, +5% year-to-date
Kering with profit warning as Gucci weakens in China, -40% since the beginning of the year
Enphase Energy with poor figures, share falls -12%, -37% since the beginning of the year
Traffic light government decides exit tax on ETF assets from €500,000, savings and independent investing are penalized even more, prosperity and freedom are made more difficult and hindered
Loopholes in the rent control for furnished apartments remain
" If you want to read a review like this every week, leave a like & subscribe here.
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Hello everyone,
it's time for some feedback again!
Briefly about the long-term strategy. I currently save monthly $IWDA (+0,72 %)
$EIMI (-1,88 %) and $WSML (+0,39 %) . I definitely want to increase the ETF share over the next few years. I definitely invested too little here at the beginning.
With very small sums I invest in stocks like $ASML (-0,38 %)
$AAPL (+0,65 %)
$MCD (+2,19 %)
$MC (-2,6 %)
$MSFT (+0,15 %)
$AMZN (-0,02 %) and co. There I have split the execution to 2x per month. If it drops significantly, I buy in tranches.
So that the dividend doesn't come up short, I still have stocks like $O (+2,65 %)
$KO (+1,1 %)
$DGE (-0,95 %) and my overweight $BAT . I don't work with savings plans for dividend stocks. Here I only buy in tranches if the share falls significantly. Provided I am still convinced of the investment. I try to focus exclusively on established quality companies.
I only see these candidates here as a trade. I will definitely part with them if the prices are attractive $BNTX (+3,76 %)
$FXPO (+14,55 %)
$ORSTED (+1,17 %)
$PYPL (+3 %)
$YSN (-1,43 %)
$SIX2 (+0,13 %) .
Conclusion
-Increase ETF share
-Increase the investment amount of the individual positions
-Reduce overall portfolio positions
I look forward to any constructive criticism!
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