1Sem.·

My investment strategy 2025

Mister_ultra · 2025-01-14T09:36:43.891392Z

Nach zwei extrem guten Börsenjahren steht das Jahr 2025 unter besonderer Beobachtung. Kann es nach 2 Jahren mit über 20% Kurssteigerungen noch weiter nach oben gehen? Wie wirkt sich Trump auf die Börse aus? Liberale Poltik vs. Zölle? Inflation und Zinsentwicklung - Senken die Notenbanken weiter oder kommt die Inflation zurück? Was sich nicht ändert ist meine grundlegende Investmentstrategie. Ich werde weiterhin in Dividendenwachstumswerte investieren und jeden Monat per Sparplan kaufen - Unabhängig von sonstigen Einflüssen und Entwicklungen. Investitionssumme: Privat steht mit dem Hausbau ein großes Thema an. Daher wird meine monatliche Sparsumme in 2025 deutlich niedriger ausfallen als in den vergangenen Jahren. In den letzten Jahren lag meine Sparsumme meistens bei 1.500€ bis 2.500€. Diese werde ich nun erstmal deutlich auf ca. 700€ im Monat reduzieren. Der Rest fließt erstmal auf ein Tagesgeldkonto, um für Mehrkosten, Küche, Möbel und Co Geld anzusparen. Ich bin mir aber absolut bewusst, dass 500-700€ immer noch eine sehr hohe Investmentsumme pro Monat darstellt. Ca. die Hälfte (250€) stammt bereits aus Dividendeneinnahmen, die ich wieder investiere werde. Investmentaufteilung: Auch in diesem Jahr wird der Großteil meiner Investments wieder in Einzelaktien fließen mit der folgenden Aufteilung: Ich werde weiterhin die USA übergewichten und Europa (vor allem Deutschland) untergewichten. Mein Hauptfokus liegt darüber hinaus weiterhin auf den Sektoren Technologie und Pharma mit fast 50%. Hier sehe ich langfristig weiterhin das größte Wachstum - Sowohl für Umsätze, Gewinne als auch Dividenden. Veränderungen an den Sparplänen gibt es erstmal nicht. Ich werde vorerst keine neuen Aktien aufnehmen und besparen. Darüber hinaus investiere ich die Nettoersparnis aus der privaten Krankenversicherung gegenüber der gesetzlichen Krankenversicherung weiterhin in den WisdomTree Global Quality Dividend Growth $GGRP In Summe sind das ca. 90€ pro Monat + die Beitragsrückerstattung von einmalig über 2.000€ für das Jahr 2024. Die vermögenswirksamen Leistungen meines Arbeitgebers fließen in einen MSCI World $XDWD bei finvesto. Zusätzlich fließen jeden Monat 100€ in zwei Kryptosparpläne. 65€ fließen in Bitcoin $BTC und 35€ in Ethereum $ETH Dividendenerwartung: Auch für dieses Jahr rechne ich mit ca. 15-20% mehr Dividende als im Jahr 2024. Das würde in Summe Dividenden in Höhe von 3.300-3.500€ für 2025 bedeuten. Wie sieht euere Investmentstrategie für 2025 aus? #aktien #etfs #dividend #tech #personalstrategy

After two extremely good stock market years, the year 2025 is under particular scrutiny.

After two years with price increases of over 20%, can it go any higher?
How will Trump affect the stock market? Liberal policies vs. tariffs?
Inflation and interest rate trends - will the central banks continue to lower rates or will inflation return?

What will not change is my basic investment strategy. I will continue to invest in dividend growth stocks and buy them every month via a savings plan - regardless of other influences and developments.

Investment amount:

In my private life, building a house is a big issue. My monthly savings will therefore be significantly lower in 2025 than in previous years.

In the last few years, my savings sum was usually between €1,500 and €2,500.

I will now reduce this significantly to approx. 700€ per month.

The rest will go into a call money account to save money for additional costs, kitchen, furniture and so on.

However, I am absolutely aware that €500-700 is still a very high investment amount per month.

Around half (€250) already comes from dividend income, which I will reinvest.

Investment breakdown:

This year, the majority of my investments will again be in individual stocks with the following allocation:

I will continue to overweight the USA and underweight Europe (especially Germany).

My main focus will also remain on the technology and pharmaceutical sectors with almost 50%. This is where I continue to see the greatest growth in the long term - both for sales, profits and dividends.

There will be no changes to the savings plans for the time being. I will not be adding any new shares to my savings plan for the time being.

In addition, I will continue to invest the net savings from private health insurance compared to statutory health insurance in the WisdomTree Global Quality Dividend Growth
$GGRP (+0,53 %)

In total, that's around €90 per month + the one-off premium refund of over €2,000 for 2024.

The capital-forming benefits from my employer flow into an MSCI World
$XDWD (+0,24 %) with finvesto.

In addition, €100 goes into two crypto savings plans every month. 65 flows into Bitcoin
$BTC (-0,35 %) and €35 in Ethereum
$ETH (-0,14 %)
Dividend expectation:

For this year, I also expect around 15-20% more dividends than in 2024.

This would mean total dividends of €3,300-3,500 for 2025.

What is your investment strategy for 2025?

#aktien
#etfs
#dividend
#tech
#personalstrategy

28 Commentaires

1Sem.

beautiful portfolio.

i like your strategy very much as i have a similar strategy. about 70/30 dividend stocks, only one-off purchases, no savings plans and purely equities without ETFs. main focus also on the USA and mostly blue-chip companies.
just started investing much later. most of the money was invested at the end of 23/beginning of 24 so performance is still limited.
as a beginner I also sold too early/buy too late...
but after 1.5 years I received almost 20% and 3000€ dividends.
in year 25 i will collect over 5k in dividends.
with a portfolio value of just under 300k and an age of 35, i consider this strategy to be a good one for me, even with a view to prices that are no longer as profitable as the last two years, i have more or less decided on this mix in order to have a positive cash flow even in bad times.

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Mister_ultra@Mister_ultra

1Sem.

@1Chrischi1 Wow, over 5k in dividends is of course a real house number! I'll need another year or two :D

I can really understand your point about bad times. In 2022 there were only red figures in the portfolio, but the dividends still came in regularly. Then even a bad year on the stock market is still fun.

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Kalle@Brazzo_Muc

1Sem.

Similar to you, I will continue to run my ETF savings plans and buy individual shares as the situation demands. Due to my wife's children and parental leave (and my own), I have to reduce the monthly sum from €2,500 to €1,500. In addition, most of the dividends will be reinvested.

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Mister_ultra@Mister_ultra

1Sem.

@Brazzo_Muc absolutely understandable! Whether it's children or, in my case, building a house. There are times when the savings rate simply has to be reduced.

But €1,500 despite the circumstances is really remarkable. Congratulations (especially on having children, of course! :))

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Kalle@Brazzo_Muc

@Mister_ultra Thank you. Yes, you have to keep at it but switch down a day. You still want to live a little 🥳

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Charmin@Charmin

It all makes sense in my eyes. For me, there would be a bit too many values, but I think that's still within reason.

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Mister_ultra@Mister_ultra

@Charmin I totally understand the objection.

Unfortunately, there are too many exciting stocks :D

But seriously, I usually try to cover my favorite sectors with two companies and there are usually enough different subsectors. Take healthcare, for example: there's plenty of scope between pharma, biotech and medical technology.

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Floriano@FlorianoPerlini

1Sem.

beachtlich

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Mischko@Thefox

1Sem.

Lots of quality in the portfolio! Next so💪🏼

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Mister_ultra@Mister_ultra

1Sem.

@Thefox Thank you, but there was also a major portfolio clean-up to raise equity. A lot of things were thrown out without quality.

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Tenbagger2024@Tenbagger2024

1Sem.

Many positions and still a good performance

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Mister_ultra@Mister_ultra

1Sem.

@Tenbagger2024 probably either lucky or have a high correlation with each other despite the many positions.

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Tenbagger2024@Tenbagger2024

1Sem.

@Mister_ultra
You also picked a few good stocks. And certainly found a good entry point

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Mister_ultra@Mister_ultra

1Sem.

@Tenbagger2024 Absolutely. I bought a lot of NVIDIA in particular via a savings plan from 2020 to 2023, at much lower prices. Palo Alto Networks has also performed extremely well.

Let's see where the journey takes us over the next few years.

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Tenbagger2024@Tenbagger2024

1Sem.

@Mister_ultra
You are a good investor

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Antek@ewyyy

1Sem.

Great performance

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Felix118@Felix118

1Sem.

I significantly increased my eu small dpa share last year and have already had very good success with it. Are small caps out of the question for you?

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Mister_ultra@Mister_ultra

@Felix118 That's a very good question. Small caps is mostly an ETF topic and since I prefer to invest in individual stocks, the topic of small caps is usually left out.

Besides, I always think to myself: the really good small caps are not on the market for long, but are bought by some large cap.

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Tenbagger2024@Tenbagger2024

@Mister_ultra
But small and mid caps grow significantly faster due to their size. Which can also mean potential. A takeover can also drive up the share price. There are also some quality companies among the mid caps in particular.

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Mister_ultra@Mister_ultra

@Tenbagger2024 I agree with you. On the other hand, of course, you don't just have small, fast-growing companies, but also many traditional SMEs that have been roughly the same size for decades. In Germany in particular, there are many mechanical engineering companies, automotive suppliers,... Not every small cap will eventually become a large cap. Most will remain small caps forever.

For me, mid caps is also a question of definition. A Deutsche Bank with a market capitalization of 30 billion would probably be more of a mid cap in the USA and a clear large cap in Germany 😂

But I'm more with you in the mid-cap segment. Bechtle, Crowstdrike, Palo Alto, Mercadolibre. I bought them all when they were still rather small and mid-cap (depending on the definition).

Nevertheless, I'm generally more with Big Tech, Big Pharma,...

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Tenbagger2024@Tenbagger2024

@Mister_ultra
I think if you are pursuing a core/satellite strategy, I see the big techs as core, but I also see mid-caps as core. Satellites are usually the small caps and mid caps that have just become profitable or will become profitable and start to grow.

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Mister_ultra@Mister_ultra

@Tenbagger2024 understood! But then you are selectively looking for individual small and mid caps?

Most people do this with a small cap ETF and that would be far too broadly diversified for me and you would then probably have 95% companies that are not really growing.

Or how do you do that?

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Tenbagger2024@Tenbagger2024

@Mister_ultra
I don't have any ETFs except for Bitcoin. Although an ETF makes sense. I choose the companies myself. And can therefore also determine the risk myself.

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Mister_ultra@Mister_ultra

@Tenbagger2024 In my opinion, this really makes more sense with small caps (if you have a good hand 😄).

Which ones do you currently see potential in?

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Tenbagger2024@Tenbagger2024

@Mister_ultra
I myself have there in the depot
$ELF
$ERJ
$CORT
$IESC
$MOD
should hopefully start again from Germany
$GFT and $MUM both have good dividends.
Speculative growth stocks are
$INOD
$PNG
$DEFI
In the biotech sector
$KRYS
In the biotech sector you will find some growth stocks, some with a lot of risk

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Mister_ultra@Mister_ultra

@Tenbagger2024 Very exciting! I really must have a look at it at my leisure.

Yes, biotech in particular is usually hop or skip. It either goes through the roof or crashes at some point with 90% 😂

In my case, I am unfortunately restricted by my employer in terms of trading. I have a 30-day minimum holding period for each security after purchase.
The risk is too high for me, especially in the small-cap sector, as my hands are tied for the 30 days after purchase and I have no chance to react.

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Tenbagger2024@Tenbagger2024

https://traderfox.de/aktien/ies-holdings-inc-a2akng/

You should use the tool to find BUy and Hold shares.

IES Holding and Corcept get a green thumb here. You can also count on them for longer than 30 days.

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Carles@Carles

Which pharma stocks? I don’t thibk that at this point you’re at 20% of pharma watching your portfolio. I’m interested in knowing which one are your pharma pics from now on!

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