Depot review December 2023 - On the home stretch, 2023 was still able to make up for all the losses from 2022 and break the €250,000 mark 🚀

In keeping with the new year, there is also a new profile picture for the first time - an AI-generated elf who specializes in lembas and mithril trading.

But now to the portfolio update:

After November was already the second-best November of my investment career, December has now also gone into the books as the second-best. In total, a return of +3,2% for December.

This brings my performance for the year to +24,0% and was thus able to beat my benchmark, the MSCI World (+20.2%).

Tech stocks were the main winners in 2023. With almost +8.000€ is hardly surprising NVIDIA
$NVDA at the top. With +5,000€ and +4,000€ respectively then follow Palo Alto Networks $PANW and Meta
$META

Also Alphabet
$GOOG and Microsoft
$MSFT with each +3.000€ very strong this year

The main losers this year were healthcare, utilities, consumer staples and China. The biggest losers this year were:

• Pfizer $PFE -1.100€
• China ETF $MCHS -900€
• Nextera $NEE -900€
• Johnson & Johnson $JNJ -800€
• Procter & Gable $PG -500€

In total I bought again in December for ~2.500€ in December.

In total, my portfolio now stands at ~252.000€. This corresponds to an absolute increase of ~€74,000 in the current year 2023. ~43.000€ of this comes from price gains, ~2.500€ from dividends / interest and ~28.000€ from additional investments.

Thanks to the strong November and December, all price losses from 2022 have been made up.

Nevertheless, it has to be said that the last two years were not profitable overall. The portfolio has actually only grown through additional investments.

Dividend:

• Dividends in December were +23% above the previous year at ~€300
• For the year as a whole, dividends were +24% above the previous year at ~2.300€. In addition there was ~200€ in interest
• The following companies paid the highest dividends this year, all of which distributed more than €100: Amgen $AMGN
  Procter & Gamble
  $PG
  Unilever
  $ULVR
  Johnson & Johnson
  $JNJ and Starbucks
  $SBUX
  
• The highest dividend yields are achieved by Allianz
  $ALV with 9,5% on. In 2024 and a further dividend increase, I see a 10% yield here

Buys & sells:

• I bought again in December for approx. 2,500€
• As always, my savings plans were executed:
• Blue chipsItochu $8001 ASML $ASML Deere $DE Lockheed Martin $LMT MasterCard $MA Northrop Grumman $NOC NVIDIA $NVDA Republic Services $RSG Thermo Fisher $TMO
  
• GrowthSartorius $SRT Synopsys $SNPS
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP Invesco MSCI China All-Shares $MCHS and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales there were none in December

With another extremely strong performance in December, my portfolio broke through the €250,000 barrier. This really exceeds my wildest expectations that I had a year ago or even in October.

At the beginning of the year, my year-end target was €220,000 and my best-case scenario was €240,000.

What investments did you make outside of the stock market?

In 2022 I bought a balcony power plant installed. This has given me around 600kwh this year, saving me electricity costs of ~€200. In relation to the purchase price, this corresponds to a return of almost 30%.

In 2024, the topic of renting is also on the agenda, so far only investments have been made here, but from 2024 rental income should also start to flow.

Outlook for 2024:

I am now assuming an above-average stock market year in 2024. If we really do see a soft landing and some additional interest rate cuts from both the Fed and the ECB, this should give the markets a further tailwind. Of course, you have to bear in mind that November and December have already priced in a lot, 10% should be possible in any case.

I therefore see my assets at ~€300,000 at the end of 2024. This is mainly due to the lower investments I plan to make in 2024.

Overall, my savings rate will probably fall from €2,500-3,000 per month to "only" ~€2,000. This is mainly due to some private expenses that will be incurred in 2024.

What are your plans & expectations for 2024?

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy

Depot review November 2023 - When (stock market) Santa Claus got the month wrong and gave us the first green month since July 🚀🎅🎄

After the last 3 months closed with a negative sign, November ignited the turbo and gave me the third best month since 2021 (only July 22 and November 21 were even stronger).

In total, November was a strong +7,1%! If you think about it, that's an average MSCI World annual performance. In total, this corresponds to price gains of over €15,000.

In the current year, my performance is therefore +20,2% and was able to widen the gap to my benchmark, the MSCI World, again (+15.8%). As at October, my portfolio was still exactly on a par with the MSCI World at +12.2%.

Tech stocks were the main winners in November, no doubt fueled by inflation data and interest rate expectations. At the top of the list with gains of over €1,000 each were the shares of Palo Alto Networks $PANW NVIDIA $NVDA and Crowdstrike $CRWD In percentage terms, two of my absolute loser stocks, Block $SQ and Shopify $SHOP with +50% each.

On the losers' side, there was actually almost nothing in November, only Lockheed $LMT and Sea $SE recorded price losses of over €100.

In total, I bought in November for ~2.500€ in total.

In total, my portfolio now stands at ~241.000€. This corresponds to an absolute growth of ~€63,000 in the current year 2023. ~35.000€ of this comes from price increases, ~2.200€ from dividends / interest and ~25.000€ from additional investments.

Despite the extremely strong November, there is still a shortfall of almost €11,000 in price gains to make up for the ~€46,000 price losses from 2022.

Dividend:

• Dividends in November were +31% above the previous year at ~€135
• In the current year, dividends after 11 months are +24% over the first 9 months of 2022 at ~2.000€. In addition there was ~€150 in interest
• In total, after 11 months, my dividends are already ~€150 higher than the entire previous year - and another ~€300 in dividends will be paid out in December

-> My dividend income will therefore be around a quarter higher than in the previous year

Purchases & sales:

• I bought in November for approx. 2.500€
• As always, my savings plans were executed:
• Blue ChipsAlimentation CoucheTard $ATD Alphabet $GOOG Amgen $AMGN Caterpillar $CAT Hershey $HSY Johnson & Johnson $JNJ Procter & Gamble $PG S&P Global $SPGI TSMC $TSM
  
• GrowthBechtle $BC8 Palo Alto Networks $PANW
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP Invesco MSCI China All-Shares $MCHS and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales there were none in November

As hoped for in my October review post, we are currently seeing an extremely strong year-end rally. With further deposits in December, a December performance of just over 2% would be enough to reach the 250.000€ by the end of the year!

That would be a really strong performance, as my year-end target for 2023 was €220,000 and €240,000 in the best-case scenario.

In December, however, it's also time to look ahead to my plans for 2024. And for 2024, I've made a completely new commitment for the first time, namely to consciously reduce my monthly savings rate.

I would like to use a quote from Charlie Munger (RIP) in relation to the first 100,000 assets:

"It's a bit**, but you gotta do it. I don't care what you have to do - if it means walking everywhere and not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit."

In fact, by the time I was 30, I had already built up a fortune of well over €200,000. And fortunately without having to walk everywhere or use coupons, as mentioned in the quote.

Nevertheless, from 2024 I would like to treat myself to the luxury of setting aside part of my previous savings rate each month for the much-maligned lifestyle inflation inflation. Take a short trip more often, go to a concert, eat out...

I've never been a frugalist either, but instead of investing €2,500 per month in my portfolio, €2,200 per month might be enough. 300 are then transferred to a "fu** you money" account for whatever you want to use it for.

Otherwise, my securities account will be carefully reviewed in December: which shares will be sold in 2024? What will my savings plans look like from January?

Potential candidates on my watch list for 2024 include the following two:

• Munich Re $MUV2
  
• Hermes $RMS
  

The Munich Re as one of the few really very strong shares from Germany and Hermesas an even more luxurious alternative to LVMH.

Also a Pepsiwhich I have had in my portfolio for a long time, may be added as a savings plan.

What are your plans for 2024?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Depot review January 2024 - January continues to ignite the tea turbo 🚀

All good things come in threes. November was the second-best November since I started investing. December was also the second-best December. And what follows in January? The second-best January for me since August 2013, of course.

January saw a performance of +6,1%. Only January 2015 was even better with +6.7%.

Compared to my benchmark (MSCI World), this was an extremely good start to 2024. The MSCI World "only" gained 3% in January.

On the winning side were once again the usual suspects in January. The strongest position was once again NVIDIA $NVDA
with a gain of over €3,000.

The following positions were also occupied by the usual suspects with Palo Alto Networks $PANW ASML $ASML Microsoft $MSFT and Crowdstrike $CRWD

On the losers' side, there is also little new: In addition to Encavis $ECV and Block $SQ the main loser here is of course China with my China ETF $MCHS

However, the China ETF only accounts for ~2% of my portfolio in total. That's why I'm continuing to look at it for the time being. However, I have not made any additional purchases via a savings plan since January. For me, this is a classic hold position at the moment.

In January, I invested a total of ~1.300€ in total. As already mentioned in my 2023 portfolio statement, I will have to reduce my investments in 2024 for the time being, at least in the first half of the year. The reason for this is some private expenses.

As I also had to use some of my cash reserves for this, I only added ~€500 net to my assets.

Focusing purely on this key figure, January was one of the worst months in years - but monthly investments should pick up again in the second half of 2024 at the latest.

Purchases & sales:

• As mentioned, I bought in January for ~1.300€
• As always, my savings plans were executed:
• Blue ChipsNovo Nordisk $NOVO B LVMH $MC Apple $AAPL Home Depot $HD Microsoft $MSFT Nike $NKE Starbucks $SBUX Texas Instruments $TXN Stryker $SYK
  
• GrowthCrowdstrike $CRWD MercadoLibre $MELI
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales there were none in January

In total, my portfolio now stands at ~268.000€. This corresponds to an absolute increase of ~€16,000 in January. ~15.000€ of this comes from price gains, ~140€ from dividends / interest and ~500€ from additional investments.

In absolute figures, January was the best month ever with the above-mentioned ~€15,000 price gains. I normally have to go to work for ~4 months to earn this money!

Dividend:

• The dividends in January were +37% above the previous year at ~€115
• Nike had a very unfavorable dividend policy last year and this year. The fourth dividend payment unfortunately only came in January. As a result, Nike paid out 3x in 2023 and will pay out 5x this year. In order to achieve better comparability, I recorded the dividend in December in Portfolio Performance as usual. If I had recorded the dividend in January, the growth would even be +50%
• The announcement of a dividend at Meta is also exciting $META
  
• The big tech companies are generating endless cash flows, so it is only a matter of time before this money has to flow to shareholders. That leaves only Amazon $AMZN and Alphabet $GOOG as Microsoft and Apple have been paying dividends for a long time now
• I am curious to see whether these two companies will soon follow the Meta example and become dividend payers

With the continued very positive outlook for Big Tech, I am optimistic that the target for this year (€300,000 by the end of 2024) should definitely be achievable. Even if I have to significantly reduce my investments compared to the last few years.

What are your favorites for this year?

After 2023 clearly belonged to NVIDIA, Meta, Novo Nordisk and Eli Lilly, I wonder who the big winners will be in 2024?

If you look at January, these stocks are once again at the top.

In my view, however, this cannot continue for the whole year and there will certainly be other winners.

Where do you see exciting long-term opportunities for the rest of the year?

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy
#tech

Depot review September 2023 - September presents itself as always as a spoilsport and delivers the 4th negative September in a row for my portfolio

September is
is statistically the worst stock market month and also in the September 2023 this statistic proves to be true again.

In September my portfolio with -2.7%, my portfolio had a clearly negative performance. In contrast to September 2022 with -6.0% but a less bad development.

In the current year, my performance is thus only +14,5%but still above my benchmark (MSCI World +12.9%).

Nevertheless, this beats losses in the amount of ~6.500€ in September. in September. The biggest loser in September was NVIDIA $NVDA with over €1,100. Also Sartorius $SRT and ASML $ASML with a negative development.

On the plus side, there is not much positive in September, the best performance was still Amgen $AMGN with almost +8% and ~400€ price gains.

In total, I bought again in September for ~€2,500. In addition, there was a premium refund of over € 2,000 from my private health insurance for the year 2022 (this will be followed soon by a separate article including my investment strategy in relation to the private health insurance).

In total, my deposit thus stands slightly below the previous month at ~224.000€. This corresponds to an absolute increase of ~45.000€. in the current year 2023. ~24.000€ come from price increases, ~1.950€ from dividends / interest and ~19.000€ from additional investments.

Nevertheless, there is a shortfall of almost 15,000€ in price gains to make up for the ~38,000€ in price losses from 2022.

Dividend:

• The dividend comparison to the previous year is slightly more difficult this month, as Unilever paid out in August instead of September as usual and my Japan ETF will pay out in September instead of August.
• Thus the dividend is +10% above the previous year. Including the Unilever dividend, it would be approx. +28% and +20%, respectively, if my Japan ETF had paid out in August as before
• In the current year, dividends are up +26% after 9 months over the first 8 months of 2022 at ~€2,000

Purchases & Sales:

• Bought in May for ~2.500€
• Executed mainly my savings plans:
• Blue ChipsDeere $DE NVIDIA $NVDA ASML $ASML MasterCard $MA Republic Services $RSG Lockheed Martin $LMT Thermo Fisher $TOM2 Itochu $8001 Northrop Grumman $NOC
  
• GrowthSartorius $SRT Synopsys $SNPS
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the Invesco MSCI China All-Shares $MCHS
• Crypto: Bitcoin $BTC and Ethereum $ETH
• Sales there were none in August

With October now follows a statistically positive stock market month, which, however, can also tend to very strong downward swings (1987, 2008)

On average, however, October is about +0.5%. In my portfolio, October was positive in 2022 and 2021, but negative in the 3 years before (2018-2020).

What do you guys expect for October and especially the 4th quarter? Year-end rally, sideways trend or yet again significantly lower prices?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Depot review August 2023 - The rainy summer 2023 is coming to an end, in the depot as well as in nature everything green. Will a red September follow?

The August 2023 was like the summer in general a rather mixed affair.

The portfolio stood in between at almost -5%, to then close at the end virtually unchanged

In August, my portfolio closed with -0,3% virtually unchanged. In contrast to August 2022 with -2.4% but a better development.

In the current year, my performance is currently +17,4% and thus still above my benchmark (MSCI World +14.8%).

In August, NVIDIA again $NVDA performed extremely strong with +7% / + 800€. In percentage terms, however, some stocks performed even stronger in August, right at the top with +18% each Novo Nordisk $NOVO B and Atlassian $TEAM

On the losing side, there were a few classics in August with, among others. $SE and Block $SQ - But both rather smaller positions. In addition, the uncertainties around China have also weighed on my China ETF $MCHS burdened with about 500€ price losses.

In total, there are almost 700€ price losses in August.

1,200€ were invested by me net, which results in a small absolute increase of just over 600€.

In total, my portfolio still stands at ~226.000€. This corresponds to an absolute increase of ~48.000€. in the current year 2023. ~31.000€ come from price increases, ~1.600€ from dividends / interest and ~15.000€ from additional investments.

Thus, there is still a shortfall of ~€6,000 in price gains to make up for the ~€38,000 in price losses from 2022.

Dividend:

• The dividend comparison to the previous year is slightly more difficult this month, as Unilever distributed in August instead of September as usual and my Japan ETF will distribute in September instead of August.
• Therefore the dividend is +56% above the previous year. Without the Unilever dividend, it would be about +19% and +40%, respectively, if my Japan ETF had paid out in August as before
• In the current year, dividends are up +22% after 6 months over the first 8 months of 2022 at ~€1,500

Purchases & Sales:

• Bought in May for ~3.500€
• Executed mainly my savings plans:
• Blue ChipsTSMC $TSM S&P Global $SPGI Procter & Gable $PG Johnson & Johnson $JNJ Hershey $HSY Caterpillar $CAT Amgen $AMGN Alphabet $GOOG and Alimentation Couche-Tard $ATD
  
• GrowthPalo Alto Networks $PANW and Bechtle $BC8
  
• ETFs: MSCI World $XDWD Nikkei 225 $XDJP and the Invesco MSCI China All-Shares $MCHS
• Crypto: Bitcoin $BTC and Ethereum $ETH
• Sales occurred in August with the iShares Healthcare Innovation
• $2B78 only one. Here I have more confidence in the individual stocks I have selected. This means that the only sector ETF has now also been removed from my portfolio.

September is now the worst of all stock market months and also the only one with a long-term average negative performance.

In the appendix you will find an analysis of the S&P 500 development from 1928 to 2022. While the months July, December, January and April belong to the best, the S&P 500 loses ~1% in September on a long term average..

Various studies have already looked into this, but have not found any real reasons for this underperformance.

So at least statistically nothing stands in the way of a slight correction in September - Also in my portfolio all 3 September since 2020 were negative, so let's see what this September will bring.

What do you expect for September?

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy

Depotrückblick February 2024 - Can the stock market only go up?

After November was the second-best November and December and January also joined the ranks, February 2024 is of course the second-best February for me since 2013.

In total, February was a strong +5,0%! Only February 2014 was even better at +8.1%. In total, this corresponded to price gains of ~13.000€ in February 2024.

In the current year, my performance is currently +11,4% and thus significantly above my benchmark, the MSCI World with "only" 6.8%.

Winners & losers:

The development of the winners and losers in February is particularly exciting, as not every tech stock is up and running.

On the winners' side the monthly groundhog called NVIDIA
$NVDA with share price gains of ~€3,600. But also Bitcoin $BTC
and Ethereum
$ETH were also at the forefront with price gains of almost €2,000 each. The top 5 close Meta
$META and TSMC
$TSM complete the top 5.

But also on the loser side there is a lot of tech. With Palo Alto Networks $PANW
Atlassian $TEAM and MercadoLibre $MELI however, mainly high growth tech stocks.
In addition Alphabet $GOOG and Amgen $AMGN

were weak.

The performance-neutral movements in February were only €200. Even though I bought in for ~€1,300, I sold 5 NVIDIA shares for ~€3,000 on the other side. You can find the reasons for this in the post from mid-February. I needed part of the €3,000 for private expenses and the rest is currently in the clearing account as cash.

In total, my custody account now stands at ~282.000€. This corresponds to an absolute increase of ~€30,000 in the current year 2023. ~27.000€ of this comes from price gains, ~330€ from dividends / interest and ~700€ from additional investments.

Dividend:

• Dividends in February were +16% above the previous year at ~€160
• In the current year, dividends after 2 months are +23% over the first two months of 2023 at ~275€.
• After already Meta
  $META announced its first dividend last month, this will be followed in April by Salesforce $CRM with its first dividend payment. In addition to the high-tech growth stocks, where I do not expect a dividend for some time yet, I am now particularly interested in Alphabet in particular.

Buys & sells:

• I bought in February for approx. 1.300€
• As always, my savings plans were executed:
• Blue ChipsAlimentation CoucheTard $ATD Alphabet $GOOG Amgen $AMGN Caterpillar $CAT Hershey $HSY Johnson & Johnson $JNJ Procter & Gamble $PG S&P Global $SPGI TSMC $TSM
• GrowthBechtle $BC8 Synopsys $SNPS
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales as already mentioned above, there was only a partial sale of NVIDIA in February

It's really exciting to see how the snowball has started to roll. I was only able to add €700 net to my portfolio in January and February, yet my assets have increased by almost €30,000 compared to the end of 2023.

Nevertheless, I hope that performance-neutral movements of at least €1,000 per month will be possible again from March onwards.

Target 2024:

My goal for this year is to break €300,000 in my portfolio. As my portfolio already stands at €282,000 as of February, I am well on my way.

I very much doubt that the stock markets will continue to rise so strongly and will soon enter a sideways trend. If my net inflows then increase again, I am optimistic that I will reach my target by the end of the year.

What are your expectations for March? Full speed ahead or will there be a sideways movement for the time being?

And which company have you been waiting a long time for a dividend? Berkshire, Amazon and Alphabet or someone completely different?

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy

Depotrückblick October 2023 - Three red months in a row, October again with losses in the depot - But November with a strong start

After August and September had already spoiled my positive stock market year 2023, October is now the third consecutive month of losses. With -2,0% the month was less negative than September with -2.7%, but the month nevertheless ended with price losses of almost €5,000.

In the current year, my performance is therefore only +12,2%which is exactly in line with my benchmark (MSCI World +12.2%).

The biggest losers in October were again NVIDIA $NVDA and Sartorius $SRT with ~800 and ~900€ in price losses respectively.

On the winners' side in October, especially Bitcoin $BTC and Microsoft $MSFT and Lockheed Martin $LMT

In total, I bought in October for ~4.700€ in total. Of this, ~€2,100 came from the premium refund from my private health insurance, which I invested in the WisdomTree Global Dividend Growth $GGRP invested. I have also written a separate post about this.

In total, my portfolio is therefore again slightly below the previous month at ~222.000€. This corresponds to an absolute increase of ~€44,000 in the current year 2023. ~20.000€ of this comes from price gains, ~2.000€ from dividends / interest and ~22.000€ from additional investments.

This still leaves a shortfall of almost €27,000 in price gains to make up for the ~€46,000 price losses from 2022.

Dividend:

• The dividends in October were +22% above the previous year at just under €100
• In the current year, dividends after 10 months are +23% over the first 9 months of 2022 at ~1.900€. In addition there was ~€150 in interest
• In total, my dividends are therefore already above the entire previous year after 10 months - and November and December will give me another ~450€ again

-> My dividend income will therefore be around a quarter higher than in the previous year

Buying & selling:

• I bought in October for approx. 4.700€
• I mainly executed my savings plans:
• Blue chipsNovo Nordisk $NOVO B Apple $AAPL LVMH $MC Home Depot $HD Microsoft $MSFT Nike $NKE Starbucks $SBUX Stryker $SYK Texas Instruments $TXN
  
• GrowthCrowdstrike $CRWD Mercadolibre $MELI
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the Invesco MSCI China All-Shares $MCHS WisdomTree Global Quality Dividend Growth $GGRP
  
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales there were none in October

Even though October was another bad month, the first 3 trading days in November were all the better! In total, my portfolio has already made price gains of ~7.000€ and thus easily overcompensated for the losses from October. My portfolio currently stands at ~230.000€

I am curious to see whether the first few days of November signal the start of a year-end rally. Let's hope for the best!

With further deposits in November and December and a year-end rally of ~5%, it could be enough for me to break the €250,000 mark and thus the quarter of a million by the end of the year. So it remains exciting!

What do you expect for the remaining two months of 2023? Year-end rally or year-end frustration?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Depot review July 2023 - Eerie, but still green figures 🤔🚀

July 2023 is a special month for me, as it marks the 119th month of my stock market career - This means there is nothing standing in the way of the 10th anniversary in August.

July was (to my surprise) another very strong month in the portfolio.

In July, my portfolio could +2,6% increase. In contrast to July 2022 with +8.7% but a weaker development.

In the current year, my performance is currently +18,0% and thus continues to outperform my benchmark (MSCI World +15.4%).

In July, NVIDIA again $NVDA performed extremely strongly in July with +12% / +€1,200. In percentage terms, Sartorius $SRT Block $SQ and Meta $META only 3 shares performed even better.

On the losing side, there were no spectacular developments in July. With Stryker $SYK and Hershey $HSY there are rather defensive stocks to be found.

In total, my portfolio stands at just under ~226.000€. This corresponds to an absolute growth of ~47.000€ in the current year in the current year 2023. ~32.000€ come from price increases, ~1.500€ from dividends / interest and ~14.000€ from additional investments.

However, there are still ~6,000€ of price gains missing to make up for the ~38,000€ of price losses from 2022.

Dividend:

• Dividend +15% compared to previous year
• Current year dividends are +23% over first 7 months 2022 at ~€1,350 after 6 months

Purchases & Sales:

• Bought in May for ~€3,800
• Executed mainly my savings plans:
• Blue ChipsLVMH $MC Novo Nordisk $NOVO B Apple $AAPL Home Depot $HD Microsoft $MSFT Nike $NKE Starbucks $SBUX Stryker $SYK Texas Instruments $TXN
  
• GrowthCrowdstrike $CRWD Mercadolibre $MELI
  
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the Invesco MSCI China All-Shares $MCHS
• Crypto: Bitcoin $BTC and Ethereum $ETH
• Sales there were none in July. For August, however, possibly flies the iShares Healthcare Innovation
  $2B78 out of my portfolio. This is the only sector ETF that I own and have saved for a while. All in all, though, I'm more convinced by the Big Pharma companies I already have in the portfolio.

This will be followed in August by Alimentation Couche-Tard
$ATD another new stock. The stock has been on my watchlist for a long time and is now finally available at Trade Republic.

Advantages from my point of view: My first stock from Canada, which is strongly represented especially there and in the Scandinavian countries. Regularly increasing profits and cash flow, which consequently lead to extremely strong dividend increases (for years over 20% p.a.). In addition, one of the few long-running stocks that has known only one path for years: from bottom left to top right.

And the crowning glory: With a P/E ratio of 16.5, it is also not overly expensive.

In Germany, the company is rather unknown or poorly represented. Exception since this year: The company has bought the entire German service station network of Total.

Looking ahead, I am very curious when we will see the first major setback in 2023? Probably in August on my 10 year stock market anniversary 😂.

But no matter what happens next, I will continue to stay fully invested and keep buying every month. I have already experienced enough crises in the ~10 years (Euro crisis, Syria, Crimea, Brexit, Trump election, Corona, inflation, Ukraine,...).

How did your portfolio perform in July? And when do you expect the first setbacks on the markets? Do you remain fully invested or do you currently reduce your share quota?

#dividende

#dividends

#personalstrategy

#depotupdate

#performance

#update

#rückblick

What was your biggest flop in the last two years 📉 ? Transparency & honesty are important & authentic 🙏 . Only showing profits is cheap 🙄.

#fail
#verlust
#verlusterealisieren
#aktien
#fehlkauf
#fehler
#rückblick
#wirecard
#infineon
#asml
#nvidia

Depot review March 2024 - And on, and on, and on,...

March picks up where February left off. And before that, January, December, November,...

In total, March was +2,9%! This was less than in January and February and was mainly driven by the first half of March. In total, this corresponded to price gains of ~8.000€.

Winners & losers:

On the winners' side is getting really boring. In 1st place, of course: NVIDIA
$NVDA with share price gains of ~€2,100. 2nd place goes to Alphabet
$GOOG with €1,000. But also Bitcoin $BTC also showed a strong performance with price gains of €800. The top 5 is then rounded off by two securities that I would rarely expect to see in the top 5: The MSCI World ETF $XDWD and the German Bank $DBK

On the losers' side there is a lot of tech. With Palo Alto Networks $PANW and MercadoLibre $MELI

two high growth tech stocks that were already at the bottom in February.
In addition Apple $AAPL
Nike $NKE

and Starbucks $SBUX were weaker.

The performance-neutral movements in March amounted to € 1,300. As in January and February, a larger proportion is currently being spent on private expenses. Nevertheless, I was able to invest significantly more net in March than in January and February. I bought just over €2,000 in March. However, the net figure for the pure securities portfolio is a minus, as I sold my Encavis
$ECV shares after the takeover offer from KKR. As a result, ~€2,600 flowed out of my securities account, which is now in the clearing account for 4%.

My performance for the current year is +14,7% and thus well above my benchmark, the MSCI World with 11.2%.

In total, my portfolio currently stands at ~291.000€. This corresponds to an absolute growth of ~€39,000 in the current year 2023. ~36.000€ of this comes from price gains, ~720€ from dividends / interest and ~2.000€ from additional investments.

Dividend:

• Dividends in March were +30% above the previous year at ~€350
• In the current year, the dividends after 3 months are also +30% over the first three months of 2023 at ~630€.
• In March, there was also a dividend for the first time from Meta $META
  

Buys & Sells:

• I bought in March for approx. 2.000€
• Of which 500€ each in Hermes $RMS and Constellation Software $CSU as a first purchase
• In addition, the first few euros saveback from the Trade Republic card were also invested
• As always, my savings plans were executed:
• Blue ChipsNorthrop Grumman $NOC MasterCard $MA Salesforce $CRM Deere $DE Lockheed Martin $LMT ASML $ASML Thermo Fisher $TMO Itochu $8001 Republic Services $RSG Hermes $RMS Constellation Software $CSU
  
• Growth: -
• ETFsMSCI World $XDWD Nikkei 225 $XDJP and the WisdomTree Global Quality Dividend Growth $GGRP
• CryptoBitcoin $BTC and Ethereum $ETH
• Sales there was the (involuntary) sale of Encavis in March $ECV
  

Even though I was only able to add €2,000 net to my portfolio in the first quarter, the snowball had a very clear effect. Nevertheless, I will of course be investing more again in the medium term.

Target 2024:

My goal for this year is to reach 300.000€ in the portfolio. Now that my portfolio is already at €291,000, I have almost reached my target as of March.

However, I am still of the opinion that the markets will soon enter a sideways trend. In my opinion, this was already slightly indicated in the second half of March.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy