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Tips for your next purchase
Hello everyone, now that I am 18, I have opened my own brokerage account. Before that I had all my investments through my mother. There I had the $VWRL (+1,2 %)
$NOVO B (+0,28 %)
$NVDA (+0,31 %) ,$ASML (-1,4 %) , $Sales
$ADBE (+4,29 %) , $ANET (-7,85 %) . Due to the share transfer fee, I decided to take advantage of the €1 selling fee and sell everything there. In total, I made a profit of around €200. I have already made a few purchases in my portfolio, but now I have around €4000-4500 free to invest due to the sales, which could also be a good time to make better purchases than at that time. I would therefore like to get some suggestions from you. I would like to have one ETF in my portfolio, which I will save around €250 per month. The rest is open, please give me specific suggestions as to which stocks you consider to be top buys at the moment and also with a specific investment amount of my available money. Please find attached my portfolio and the positions I already have.
Quarterly figures 10.11-14.11.25
$MNDY (+0,89 %)
$TSN (+1,05 %)
$OXY (+0,56 %)
$WULF (+0,71 %)
$PLUG (+9,26 %)
$RKLB (+4,13 %)
$CRWV (+5,94 %)
$9984 (-5,37 %)
$IOS (+2,74 %)
$MUV2 (+1,21 %)
$SE (+0,66 %)
$NBIS (+1,37 %)
$RGTI (-5,07 %)
$$BYND (-1,12 %)
$OKLO
$IFX (+0,56 %)
$EOAN (+0,93 %)
$TME (+0,65 %)
$VBK (+1,33 %)
$HDD (+0,75 %)
$ONON (+0,14 %)
$JMIA (+3,75 %)
$MRX (+0 %)
$HTG (-7,43 %)
$DTE (+2,52 %)
$R3NK (-5,61 %)
$HLAG (+0,81 %)
$JD (+1,83 %)
$700 (+0 %)
$DIS (+1,66 %)
$ENEL (+0,83 %)
$AMAT (+2,67 %)
$NU (+3,39 %)
$ALV (+1,33 %)
$SREN (+2,77 %)
$BAVA (+0,61 %)
AI Selloff Drags Nasdaq to Worst Week Since April
The Nasdaq Composite logged its worst week since early April, dropping more than 3%, as a sharp selloff in AI-linked names erased roughly $800 billion in market cap across eight major players, including $NVDA (+0,31 %), $META (+1,83 %) , $PLTR (+0,59 %) , and $ORCL (-4,41 %). For the week, Oracle and $AMD (-0,01 %) fell about 9%, Nvidia slid 7%, and $AVGO (-1,84 %) lost 6%.
On Friday, November 7, the Nasdaq Composite was the only major index to finish lower, closing down 0.3%. The S&P 500 clawed back late to end up 0.13% but still fell more than 1% for the week. The Dow Jones Industrial Average rose 0.16% on the day and, like the S&P 500, declined more than 1% for the week.
Nationwide’s chief investment officer Mark Hackett said the pullback in AI stocks looks more like the clearing of excessive hype than a hit to fundamentals, describing it as a stress test of the AI narrative amid concerns about slowing growth and stretched valuations.
Worries about lofty Silicon Valley valuations collided with signs of a cooling U.S. labor market and weakening consumer confidence. The University of Michigan’s sentiment gauge
dropped to a three-year low in November, while Challenger, Gray & Christmas reported the highest October layoff tally in 22 years. Market anxiety has been compounded by the longest U.S. federal government shutdown on record at 38 days, and headlines about job cuts at $Amon, $PARA (+0,37 %) , and $TGT (+4,78 %) added pressure.
Sentiment was further weighed by reports that Michael Burry bet against leaders of the AI trade such as Nvidia and Palantir, along with cautious commentary from Wall Street. $GS (-0,52 %) CEO David Solomon said equities could correct 10–20% over the next 12–24 months, while Morgan Stanley (MS) CEO Ted Pick warned investors to be prepared for a 10–15% pullback even without a macro shock.
Late Friday brought some relief as stocks firmed on hopes Congress is edging toward a deal to end the shutdown. Democrats proposed short-term government funding in exchange for a one-year extension of Obamacare-related tax credits. Republicans rejected the offer, but the fact that both sides exchanged proposals was taken as a constructive step.
The tech and AI selloff appears to be a valuation reset rather than a fundamental break, with macro softness and policy headlines acting as near-term catalysts.
Texas Industries interesting for dividend investors?
Besides $UNH (+3,35 %) , $PEP (-0,05 %) , $MRK (+3,27 %) , $HD (+3,51 %) and other stocks with strong dividend growth, the $TXN (+3,92 %) interesting in the tech sector.
Div. yield: 3.5%
Div. growth >15% (p.a. 10 yrs)
YoC over 10% in 10 years, IF $TXN (+3,92 %) continues to increase strongly.
$TXN (+3,92 %) manufactures semiconductor electronics. These electronics are in cars, factories, solar panels, medical devices, washing machines and our calculators. Quite simple in contrast to the conventional chip manufacturers.
$$TXN (+3,92 %) is the world market leader in analog chips with a market share of around 20%. Number 1 ahead of $IFX (+0,56 %) and Analog Devices. Texas Instruments is solid, conservative and avoids risky hypes such as AI or gaming chips.
Fast financials:
Sales stagnated the last two years over -10% from 20 bn (2022) to 15.6 bn (2024). This year, sales stabilized at 16.6 bn (TTM). Moderate increase in recent years. The gross margin is >60% on annual average, which is quite stable for the company. The company's net profit is in the range of 30-40% of sales.
The historical average FCF payout ratio of dividends is 62% with the strong increases in the past.
Texas Instruments is in the same position as many other companies, the market cycle is currently playing against them. For a dividend investor, Texas Instruments may become interesting to secure a high YoC yield for the future.
How do you see it?
I think they want to be through with it by around mid-2026 and the financial situation could improve again from then on.
I have them on the WL and if it fits with money to invest or the price gets a little better, I'll think about a first position. There may be a correction at some point, but I'm no longer hoping for that 😂
5 companies are climate pioneers in the DAX
The second "What if" report by climate tech company Right° was published on Thursday. Right° compares company data with the goals of the Paris Climate Agreement. Right° sets the limit value at a global warming of 1.7 degrees by 2100.
None of the 34 DAX companies analyzed would be Paris-compatible if no further measures were taken to reduce emissions. However, according to the data, twelve companies have decoupled their value creation from climate-damaging emissions in recent years to such an extent that they are on a Paris-compatible path.
And five of these companies also have a Paris-compatible climate target.
For companies, doing business in line with Paris means decoupling their value creation from climate-damaging emissions.
According to the "What if" report, the climate pioneers RWE $RWESiemens Healthineers $SHL (+2,19 %)Adidas $ADS (+2,16 %)Deutsche Börse $DB1 (+5,8 %) and Porsche, which was relegated from the DAX $P911 (+2,21 %). Both the climate targets and the track record of these companies are on a Paris-compatible path.
However, there are clear differences between the DAX companies in terms of their track record. Many are a long way off the targets of the Paris Climate Agreement.
Source text (excerpt) & graphic: Handelsblatt, 31.10.25
Earnings
After $MSFT (-0,83 %) and $GOOG (+4,2 %) now $AMZN (+2 %)
🚀
📊 Dividend year 2025 → Outlook 2026 💸
I try to document our development transparently - not as a
not as a "showcase", but as motivation of what discipline and time can achieve.
2025 was a strong year for us:
- Share price gains: +8.65 %
- Dividend yield: +2.02 %
- Total return (IZF): +10.46 %
- TWROR: +7.03 %
This puts us well ahead of inflation,
which means that our assets are growing in real terms
so our money is not losing purchasing power, but gaining it. 💪
The difference between IZF and TWROR also shows that
Our savings plans ran particularly efficiently during weaker market phases - in other words
precisely when many people hesitate or pause.
This pays off in the long term. 📈
💰 Dividend development:
In 2025, we received around € 3,390 net in dividends - which
which corresponds to around € 282 monthly cash flow.
The forecast for 2026 is already around € 3,670,
i.e. an increase of around +8 %.
All distributions will of course be reinvested. 🔁
🔹 Our structure:
- 500 € VWRL - global basis for growth & stability 🌍
- 500 € TDIV - focus on dividend strength and growth
- Vanguard FTSE High Dividend (VHYL) - high income focus 💰
- 100 € Bitcoin - store of value & admixture ⚡️
- Individual stocks such as Allianz, BlackRock and an S&P 500 ETF
We deliberately focus on distributing ETFs,
not because they necessarily generate higher returns,
but because of the psychological effect:
💬 "To see cash flow is to feel progress."
Long-term goal:
A steadily growing, globally diversified cash flow,
that gives us financial security -
and grows above inflation year after year.
How are you doing?
👉 Will your return also be above inflation in 2025?
👉 Do you reinvest everything or do you use some of your dividends?
In the meantime, I tried my hand at individual stocks with high yield potential and high dividend growth, but scrapped these plans as they contradicted my original strategy.
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