HowTo: Portfolio feedback on GetQuin

Dear Donkey Disciples,

again and again I read here from GetQuin users who ask for feedback on their portfolio, but only write 1 or 2 sentences themselves. These colleagues are then surprised when they get unspecific and always the same comments like "You are missing a good dividend payer from the tobacco industry in your portfolio" or "You should throw out the tobacco stocks, there is less and less smoking". At the same time, the unwillingness of potential feedback providers grows when they are called upon to evaluate the 100th 08/15 portfolio without explanation.

It is therefore time for more individual and high-quality portfolio feedback. You will get them if you follow the ultimate donkey guide for high quality portfolio feedback.

Step 1: Tell us about your investment horizon and goals.

I'm in my mid-30s, so I still have a few years to work before my state pension. My goal is to be financially independent as early as possible and be able to live off my portfolio. Realistically, though, it will still take me until just before retirement to do this, as I also still want to live and not limit myself financially. Furthermore, I do not bet on my (early) demise, which is why my goal is capital preservation and not capital depletion.

Step 2: Outline your strategy and explain how you will use it to achieve your goals

I have realized that it is too exhausting for me to continuously deal with a large number of companies. I also have much more confidence in the markets than in individual companies. I therefore rely to a large extent on ETF. However, with a bit of crypto, there are still a few gambler positions in the portfolio. If those work out, I'll reach my target sooner. If not, the stakes were low enough so that my goal was not jeopardized in the long term.

The 4% rule probably presents me with psychological problems, should I still have to withdraw my 4% in a losing year. Accordingly, I would like to live mostly on dividends. However, since I am still too young to buy high dividends by low growth, I rely on price and dividend growth. My calculation is that the distributions will have grown significantly through the selection of my positions and in relation to my investments in 20-30 years and that I will then not have to shift into an ETF with high distributions. I simply want to save myself the high taxes in retirement that would be incurred if I were to reallocate from accumulating ETFs to high distribution ETFs. Distributions are of course reinvested directly.

You are still missing a goal and the appropriate strategy? Then take a look here: https://app.getquin.com/activity/VAKRkmXgSS

Step 3: Explain why you have chosen exactly the stocks in your portfolio.

Optional, but depending on the portfolio size, it is at least a good idea to talk about the asset categories and / or the most important / extraordinary investments. When you mention your assets, remember to mention them in a way that the reader understands which ones you mean. Nobody knows what is behind LU0533033667.

The core of my ETF and also of my portfolio is an All World ETF $VGWL for obvious reasons. Besides that there are currently 2 more ETF in my portfolio: A Health Care ETF $CBUF and an IT ETF $AYEW . These are not too specific as a Cyber Security or Innovative Health Care ETF would be for my taste. In addition, I see gigantic growth opportunities in both sectors and expect to actually beat the world index in the long term. However, since I don't have a crystal ball either and want to minimize my risk, the All World takes the significantly larger positions in my portfolio. All ETFs are of course distributing.

Yes, what can I say about crypto? I started buying bitcoin in 2011 $BTC with some play money and didn't stop again until 2017. Despite losing everything twice due to hacks/seizures by the FBI of central exchanges, there is actually not much money in my Bitcoin position. The growth has simply been gigantic. Bitcoin, as the largest, first, and as the only decentralized currency, should of course not be missing from any crypto portfolio. Besides that, I consider Ethereum $ETH as the second largest currency that has a bit more going for it than Bitcoin. About IOTA $MIOTA there is already an article of mine [2]. The reasons for my investment in Hedera $HBAR are quite similar to those of IOTA. Cardano $ADA Is simply a random position from the top 10 for diversification. Could have been BNB or whatnot (just not Solana or Doge). For my cryptocurrencies, I have fixed and very ambitious prices at which I will sell shares. If these prices are not reached, I hodle until the end of my days.

I am aware of the high USA weighting in my portfolio and it was a thorn in my side for a long time. In the meantime, however, I have come to terms with it well. Many of the U.S. companies are actually global companies that benefit from U.S. laws and culture. In addition, the last few months have confirmed the dominance of the USA, from my point of view. Until last year, I could have imagined that China or possibly Russia could overtake the US. In my view, this scenario has now receded into the distant future. And Europe is just Europe, not really to be taken seriously. So why not overweight the USA?

Why I sold my stocks and now have none left in my portfolio, you can read here: https://getqu.in/EZANAH620OR1/sP2f6mVSqQ/

Step 4: Give us an insight into how you plan to grow your portfolio further

Personally, I'm not a fan of rebalancing. Swapping assets that are doing well for assets that are doing poorly makes little sense to me. Therefore, it is not the balance of book values in my portfolio that is important to me, but the balance of invested capital. Specifically, I want to grow my ETF each year. A total of 70% in All World and 15% each in IT and Health Care. Crypto will not be saved further on a regular basis.

Step 5: Don't forget to share with the community what you don't want to have in your portfolio, i.e. which tips you can do without.

Due to the ambitious goals and the long investment period, I deliberately decided against stabilizing factors that cost returns in the end. On the one hand, there is gold, which I do not see as a meaningful component in my portfolio. See also [3]. The same applies to bonds. Of course, I have a nest egg in my checking and call money accounts.

Step 6: Share absolute values

Relative values are boring. The curiosity of the GetQuin community wants to be satisfied. So share your absolute values!

Why all this?

Only with this background knowledge and context, the community can give you serious and specific advice that goes beyond any standard phrases. Every goal is individual and every portfolio looks the way it does for different reasons. The strategy determines how the presented depot will achieve the goal. Whether this is realistic or not, no one can tell you without detailed information.

The detailed presentation and description also forces you to reflect on your portfolio yourself. Is there perhaps a certain position that does not fit into your strategy? What is your goal? Does the path fit to what you want to achieve? ...? These questions often lead to a self-awareness that provides you with starting points for improvement, even without community feedback. In software development, this is called Rubber Duck Debugging [4].

Have a look at my profile picture now!

That's right. After all, this is about a HowTo for you on how to get more meaningful and personalized feedback on your portfolio. I know my portfolio, strategy and goal are perfect and of course I don't need feedback. So instead I'm asking you guys how you like my new artistic profile picture? Dalle the 2nd has put a lot of effort into making my picture perfect [5]. He would be very happy if his art would meet with some approval.

Anyone who has read this guide, applies it to their own portfolio feedback, and would like feedback from me is of course welcome to @DonkeyInvestor mention.

Sources

[2] https://app.getquin.com/activity/hCTDRERFED

[3] https://app.getquin.com/activity/lohxnDnlch

[4] https://en.wikipedia.org/wiki/Rubber_duck_debugging

[5] https://openai.com/dall-e-2/

#learn
#portfoliofeedback
#portfolio
#esel

Country weightings in the portfolio

Reading time: approx. 5min (fast), approx. 8min (slow, @leveragegrinding 😛), think so 3min (@DonkeyInvestor 🙉)

In the last few days I have been thinking about the weighting of some regions in my portfolio. There is always a hot debate about how much you should weight the US, Europe, Asia and the rest of the world in your portfolio. Should one have "China stocks" at all or how much USA share is too high?

Especially when it comes to the weighting of US corporations there is a hot debate: for some an overweighting of US corporations is perfectly fine, for others it is a cluster risk. In the MSCI World for example, the USA is weighted at 60%. That is why in the classic 70/30 strategy MSCI World ETF as well as an Emerging Markets emerging markets ETF is added. It gets even more complex if you add a Europe ETF on the STOXX Europe 600 is added.

Something that rarely plays a role in the debate, however, is the fact that this weighting only reflects the countries of origin of the stock corporations. Corporations like Apple $AAPL , Microsoft $MSFT or Google $GOOGL may be U.S. companies on paper, but they generate their sales worldwide. A LVMH $MC may be from Europe, but generates most of its sales in North America and Asia. Toyota $7203 is from Japan, but generates sales worldwide.

I think you see the problem: important to get an impression of your own regional exposure exposure are not the countries of origin of your shares but rather the question of where the sales are generated are generated. I wanted to get to the bottom of this question specifically for my portfolio.

Inventory

In my personal portfolio, the distribution of individual position sizes (as of May 24, 2023) looks exactly like this:

19.3% Apple $AAPL

11.1% Costco $COST

9.9% Allianz $ALV

9.5% VICI $VICI

8.3% United Health $UNH

5.6% Microsoft $MSFT

5.4% Visa $V

4.4% KLA-Tencor $KLAC

4.1% BJ's Wholesale Club $BJ

4.0% Starbucks $SBUX

3.4% Paychex $PAYX

3.3% DEFAMA $DEF

3.1% Air Products & Chemicals $APD

2.9% Rio Tinto $RIO

2.7% McDonald's $MCD

1.4% Greencoat UK Wind💚 $UKW

0.5% Coca Cola $KO

This corresponds to a weighting of 81.4% USA and 18.6% Europe. Mind you, this weighting corresponds to a weighting according to countries of origin of the companies. So do I have a huge cluster risk as far as the USA is concerned? In addition, there are no Asian shares in my portfolio.

Now I have made the effort (in a sweaty manner) to all annual reports of the 17 companies on the corresponding investor relations pages. In some cases, sales are broken down by region. Unfortunately, it is clear that not every company provides the same breakdown. For example Apple breaks down its sales in [1] according to Americas, Europe, Greater China, Japan and Rest of Asia Pacific on. The situation is different for Visawhere in [2] sales are only broken down by U.S. and International is broken down.

After a lot of toing and froing, I finally decided to split into the regions North America, Europe and Asia & Rest of the World to the rest of the world. North America includes the USA, Canada and Mexico. Europe is mainland Europe and Great Britain. The last category then includes China, Japan, South Korea, Australia and everything else.

Just about every company reports the percentage of revenue that is generated in the US. As mentioned in the example of Visa, this is not necessarily useful to find out the share of sales for Europe and Asia if reported according to the principle "USA and the rest of the world".Partly I had to find values with a "good guess" guess. Smaller researches in the net helped me here. The last decimal place is not important here, but rather a correct order of magnitude of the sales distribution.

Result

Before I present the results of my analysis, I would like to say a few words about the methodology. In my calculation, the sales shares of the individual companies are weighted according to portfolio share.

ExampleApple has a 19.3% weighting in my portfolio and generates 18.8% of its sales in Europe. The 18.8% European share is then weighted at 19.3% in my calculation. Apple thus provides for a roughly 3.6% European share in my portfolio.

Without further ado, here is the result of the weighted sales distribution by region in my personal portfolio:

56% North America | 24% Europe | 20% Asia & Rest of World

The difference to the country weightings in my portfolio are therefore:

-25.4% North America | +5.4% Europe | +20% Asia & Rest of the World

Despite an 81.4% weighting of the USA in my portfolio, only 56% of sales are generated in North America and this despite the fact that I have real USA-pure-plays like VICI and BJ's Wholesale, which generate 100% of their sales in the US, are highly weighted in the portfolio. The European share is about 5% larger than the countries of origin of my companies would suggest and despite not having a single Asian company in my portfolio, 20% of the weighted sales are generated in Asia and the rest of the world.

Conclusion

Diversification by country is important. However, in my opinion, too much attention is paid to the countries of origin instead of really looking at where the companies' sales are actually generated. Unfortunately, there is no quick way to find out. The way over the individual investor relations sides of the enterprises is laborious and nevertheless incomplete. Here I would wish for greater transparency from some companies. Exemplary here were above all Apple and KLA-Tencor.

In addition to the pure "sales risk", it is of course still necessary to consider the political- and regulatory risk. I can sleep soundly with the revenue distribution in my portfolio even if it might be a nightmare for others.

What is your opinion on this?

Sources:

[1] Apple Financial Report 2022: https://annualreport.stocklight.com/nasdaq/aapl/221338448.pdf

[2] Visa Financial Report 2022: https://s29.q4cdn.com/385744025/files/doc_downloads/2022/Visa-Inc-Fiscal-2022-Annual-Report.pdf

#dividende
#portfoliofeedback
#dividendendepot

How many ETFs do you have in your portfolio and how many do you have in a savings plan?

I currently save 4 ETFs regularly ($VWCE, $SBIO, $WSML and $RBOT). In the case of NASDAQ Biotech, I am considering whether to stop the savings plan and simply hold the position. The profits will then be shifted into the FTSE All World.

#etfs
#savingstips
#portfoliofeedback

What do you think of the savings plans ? I already have some individual stocks and wanted to increase the share of broadly diversified ETFs with a low TER.

The relative underweighting of US stocks is intentional, especially with the ETF savings plans - there is simply too little room for improvement in my opinion.

I am also aware that Germany is hopelessly overweight.... this is largely due to home bias & not strategy :)

Japan I trust quite a bit although they also have some obvious problems....

The goal is to profit broadly from the development of the country.

India and Africa are also still quite missing for my feeling but am curious about your opinion :)

On the question between dividends / accumulating ETFs, I also drive a kind of middle ground, but now more in the direction of accumulating, as this makes absolute sense for ETFs.

With single stocks I appreciate dividends & buybacks very much, since a certain cash flow would be quite convenient for me later, when my income from the commercial enterprise is lower or dries up completely.

In addition, unfortunately, the money is not always carefully managed and tempts managers to sometimes so insanely stupid ideas (Mercedes Chrysler merger), which is why a regular transfer is useful - especially in weak phases on the stock market great. #portfoliofeedback

Hello everyone 🙂

My name is Alex, I'm 19 years young and I'm currently doing an apprenticeship as an IT specialist. I also run a web agency and am working on publishing an app with my partner. I've also been investing for a good year now.

My goal is to reach a fortune of €1,000,000 by the age of 25.

I have been interested in finance, investing and self-employment since I was 16.

I come from an ordinary working-class family. We always had enough, but there were also times when money was tight.

Back then, I decided that I didn't want to accept this life, neither for myself nor for my future family. I asked myself how others had succeeded and whether I could do it too.

That's why I started to look into finance in general, the stock market, ETFs, individual shares and cryptocurrencies. I read numerous books about investing and money, followed successful personalities such as Elon Musk and Steve Jobs and studied their success stories in depth.

I quickly realized that most successful people know how to manage money (through investing) and are self-employed. So I decided to do the same.

From an early age, I was adept at working with computers and learned programming early on. That's why I'm now training as an IT specialist for application development at a company.

I soon realized that being an employee was not the right thing for me and would not make me financially independent.

Alongside my training, I have built up a successful web agency that mainly handles local orders. I develop websites, do search engine optimization and social media marketing.

I also work with my partner on a financial app that is unique in the world.

I invest between 50% and 60% of all my income every month. I use the rest for leisure activities (concerts, car, time with my girlfriend) and vacations.

My portfolio is quite simple: I invest in an all-world ETF and also add the S&P 500 to give the USA a higher weighting. I also invest a small amount in Bitcoin (10%).

In this short journey alone, I've learned that it's not that hard to be successful and that anyone can make something of their life. Nowadays, there are countless opportunities to further your education, increase your income or become self-employed. Investing has never been so easy and is actually available to everyone.

My goal is not to have €1,000,000 at the age of 25 and then stop. Nor do I want to stop when I reach €5,000,000 at the age of 35. On the contrary, my goal is endless.

I enjoy what I do and how I do it so much that I can't imagine stopping at the moment.

My message is that anyone can be successful these days. You just have to want it, do it and persevere.

I apologize for the long text. I didn't think it would be so long. I hope it is understandable and makes sense.

I would also like to encourage discussion.

Does anyone else have such goals?

Why employed and not self-employed?

How much money would you be satisfied with?

I would also appreciate feedback & criticism on my post.

#personalstrategy #portfoliofeedback
#etfs
#crypto
#community

My personal year-end closing 2023

Reading time: approx. 5min

The end of the year is approaching and it's time to review the past year. That's why I'd like to share my personal portfolio review for 2023 with you today. I tracked and calculated all the figures with the help of Getquin. Most of the figures have already been provided to me by Getquin (Dashboard --> Performance), some are based on my own calculations. The figures can of course still change by the end of the year and are as of 11.12.2023.

Performance

First of all, of course, what is probably of greatest interest to many: the performance of my portfolio. For those who are not yet familiar with my investment strategy, I focus primarily on dividend stocks that offer high future dividend growth. dividend growth growth in the future. I also include stocks that do not currently pay dividends, but where it seems likely that they will pay dividends in the future.

TTWROR*: +27.7%

Price gains: +16.3%

Dividends: +2.0%

Interest rates: +0.1%

Realized gains: +4.1%

Trading costs: -0.01%

*: TTWOR = True Time-Weighted Rate Of Return

My strongest month was November with +6.9% followed by January with +5.8%. My only two months with a loss were August with just under -2% and September with -0.3%.

Portfolio movements

New purchases:

My focus this year was clearly on improving the quality in the portfolio. The biggest new addition to my portfolio this year was Chipotle $CMG which at the same time meant the sale of my positions in Starbucks $SBUX and McDonalds $MCD at the same time. At the same time, I took larger positions in DEFAMA $DEF and Philipp Morris $PM at the same time. Another new addition worth mentioning is Adyen $ADYENwhich I was able to buy at a low of around €700 per share in October and is currently trading at around €1200 per share again. I am also currently building up a FTSE India ETF position via a savings plan. $FLXI via a savings plan. This explains the current small share in the portfolio.

(Security | Ticker | Amount invested relative to the portfolio)

Chipotle $CMG 11.6%

Philipp Morris $PM 7.7%

DEFAMA $DEF 5.8%

Visa $V 4%

Adyen $ADYEN 3.2%

KLA Tencor Corp $KLAC 2.9%

Rio Tinto $RIO 2.2%

FTSE India ETF $FLXI 0.2%

Complete sales:

As mentioned under new purchases, my aim was to further increase the quality of my portfolio. In addition, I bundled my "quick service restaurant" investment in Chipotle, which resulted in the sale of Starbucks and McDonalds. I also divested from the REITs Realty Income $O and American Tower $AMT and reduced my real estate investments to VICI $VICI and DEFAMA $DEF and DEFAMA.

(security | ticker | profit/loss incl. dividends)

Otis $OTIS -4.2%

Greencoat UKW 💔 $UKW -1.4%

Alliance $ALV +1.1%

Air Products $APD +20.9%

Realty Income $O -8.4%

American Tower $AMT -12.7%

Starbucks $SBUX +34.3%

McDonalds $MCD +14.1%

Altira $MO -7.5%

Partial sales:

I decided to reduce my Apple position here a few days ago. At a price of around €180, I already see a lot priced in for the future. Apple is still my third-largest position and I could also imagine buying more if the share price falls. In the meantime, I am pleased with the realized gains of around 370%.

(security | ticker | % sold | profit/loss)

Apple $AAPL 35.7% +372.3%

United Health $UNH 13.4% +12.2%

Coca Cola $KO 88.1% -0.8%

Portfolio composition

The largest 5 positions in my portfolio make up 54.3% of my portfolio. If I add my cash position and the next 2 companies, I already have over 75% of my portfolio are already covered. My portfolio can therefore be described as a high-conviction portfolio portfolio. I deliberately focus on stocks in which I personally have come to the conclusion that they will outperform the broad equity market in the long term. Of course, this is at the expense of diversification. This can work out well, but of course it doesn't have to.

(Portfolio share | security | ticker | YTD performance incl. dividends in the portfolio*)

13.6% Chiptole $CMG +17.1%

10.5% Costco $COST +23.3%

10.5% Apple $AAPL +52.9%

9.9% VICI $VICI -3.1%

9.8% UnitedHealth Group $UNH +20.2%

9.6% Cash

7.6% Philipp Morris $PM -0.2%

6.4% DEFAMA $DEF +13.2%

5.4% Adyen $ADYEN +67%

4.9% Microsoft $MSFT +46.1%

4.6% Visa $V +13.9%

4.3% KLA $KLAC +50.3%

2.5% Rio Tinto $RIO +13.8%

0.4% Coca Cola $KO -5.4%

0.2% FTSE India ETF $FLXI +0.2%

*: Performance since purchase, may differ from YTD performance of the share.

Conclusion

Personally, I currently feel very comfortable with my portfolio. I currently see no reason to make any major changes and am leaving everything as it is. I am very satisfied with the performance and am already looking forward to the dividend increases in 2024.

#jahresrückblick
#performance
#portfoliofeedback

Wow, what a milestone! Mein Portfolio ist jetzt über 16k Euro wert. Das habe ich vor allem Krypto zu verdanken, das in letzter Zeit durch die Decke gegangen ist. Ich bin ein echter Krypto-Fan und kann das Halving im April 2024 I can hardly wait. I have 96% of my portfolio invested in crypto. What about you? Are you also bullish on crypto and bearish on equities? #crypto
#bitcon
#krypto
#bullish
#aktien
#news
#portfoliofeedback

Hello Quins,

I finally dare to ask for feedback on my portfolio.

I am a 28 yr old (still) computer science student who went all in in bitcoin/etherum in 2016/2017. I luckily took profits in early 2022 and have been diversifying into dividend ETFs ever since, with the goal of eventually being able to live off the income alone.

The goal is to be on 90% ETFs 10% BTC/ETH sometime in 2025/2026.

Keep the tips coming!

#portfoliofeedback
#eth
#btc
#dividend
#etfs

Here is my portfolio:

https://getqu.in/HzeMbK/mfB9lk/

Portfolio Feedback - Your opinion is needed

1.investment horizon/ goals

With my 25 years I plan to be financially free in 20 years. Accordingly, my goal would be to have a 7-digit portfolio at age 45 to live off the dividends. Target: 2.5 - 3k net dividends per month.

2.strategy/achievement of goal

My strategy is mainly to buy established companies "cheap" through analysis. Currently, I can put about 1,000 € per month in my portfolio, which I want to keep as far as possible.

I like single stocks, which make up 95% of my portfolio. In the long term, I could also imagine building up a large position in an S&P 500 ETF.

3.why do I have these values in the depot?

As a big fan of consumer staples ($WMT
$KO
$ULVR
$PEP
$PG) I also have a high proportion of them in my portfolio. I am fascinated by the historical price dynamics of these stocks coupled with an attractive dividend.

BigTech is also represented with $AAPL
$MSFT
$GOOGL of course also represented.

Otherwise, I like quality companies with a solid dividend history, but always with a focus on diversification.

4.outlook

I plan to sell the small positions (the smallest 10) sooner or later and pick up a maximum of 5 new companies. On the watchlist I currently have $DPW
$NVDA
$MC
$GOLD
$MAIN

Otherwise, the existing positions should be brought to about 10k for the time being.

5.other

I have not been a big fan of classic growth stocks, but I am very open to good companies.

I am looking forward to your feedback!

#portfoliofeedback

Good evening 🌆

I present here my current portfolio. I follow a long-term dividend strategy and stock ETF and partly individual shares. Besides I like to speculate and trade. Growth stocks I buy occasionally, but there the threshold for profit taking is much lower.

What do I want to achieve with dividends?

Target 2023: 100€ dividend

Target 2024: 400€ dividend

Target 2025: 1000€ dividend

Why am I doing this? I would like to have opinion, criticism and suggestions from you. Which shares are still missing in your opinion or should even be sold. Which should be bought and what you say to my goals. I know my dividend ETF's find many strange and wonder why I do not pay into a World ETF. Quite simply, my dividend yield is greater and I am aware of the risk I take there.

#etfs
#dividends
#tech
#personalstrategy
#portfoliofeedback
#amzn
#intel
#ibm
#cocacola
#allianz