Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)

Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!

Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)

#etfs
$VHYL (+1,52%)
$FUSD (+0,61%)
$D6RM (+1,56%)

#stock
$TSLA (-1,09%)
$GOOGL (+0,19%)
$MS (-1,15%)
$CS (+0,32%)
$NOVO B (-1,34%)
$ASML (+1,4%)
$MUV2 (+0,23%)
$CNQ (+1,19%)
$GGG (+0,8%)
$MC (-2,24%)
$DHL (-0,8%)
$TKA (+1,88%)
$RIO (-1,12%)
$ADBE (-0,14%)
$MPW (+4,65%)

#stock
$BICO (-2,37%)
$9866 (+4,37%)
$SVA
$TECO (-67,57%) (Insolvency filed)

#edelmetalle
$965515 (-0,55%)

#krypto
$BTC (-6,41%)
$ETH (-8,48%)
$ADA (-11,5%)
$FET (-15,57%)
$BNB (-6,72%)
$CAKE (-9,94%)
$AXS (-11,25%)

Good evening!

I've had my portfolio for a few years now (2018) and was very involved with stocks when I was young, but since about 2021 I've lost the time and desire to do so and wanted to let everything run long, which was of course a mistake...

For about 1 month now, I have been motivated again to change this situation and to stick with it in the long term.

Titles like: $BAYN (-6,05%) , $BRN (+0%) , $SVA , $PHE (-11,21%) and $HYSR (+2,33%) I have been holding them for ages and always hoped that they would go through the roof and missed the chance to sell them when the wind was blowing so that I could cut my losses... so I would rather hold them now than sell them because I missed the chance.

Title like: $KO (+0,93%) and $HBH (+0%) I bought a new one last week to lay a good foundation for the realignment ... Long on dividends.

The fund: $Raiffeisen Wachstum (RZ) T I had to take out at the time, I can no longer give the exact reason, as I have repeatedly taken out the necessary small change over the years and have kept the thing running for 2 years (monthly approx. 150€ as a savings plan permanent investment), whereby I am ready to switch this money at any time.

So much for the information on the portfolio ... I would like to try to limit my losses a little over the next 3, 5, 10, 20 years and make my portfolio healthy in the long term.

Budget apart from what is in my portfolio, which could of course be reallocated, would be around €3000.

Stocks like : $NOVO B (-1,34%) and $O (+1,39%) would really appeal to me right now.

Please give me some feedback or information, I am grateful for everything.

Greetings Julian 😃

Do any of you currently still hold Sernova?

It was highly praised by a certain man some time ago

$SVA

Hello everyone 👋🏻

I've been using getquin for a while now, but have only ever been a silent reader.

Briefly about me:

I'm 25 years old and have been on the stock market since mid-2021. I've been constantly investing in two ETFs since then. One is the $ISAC (-0,06%) and the $CSNDX (-0,28%) . I had briefly saved two more ETFs, but stopped doing so.

Furthermore, I have become more and more involved with the stock market, finance, etc. and have become an increasing fan of dividend shares. I would like to build up a small income on the side for my later future (50 years upwards). In case I no longer want to work 40 hours a week when I'm older. Until then, all dividends will be reinvested. I enjoy seeing the dividends continue to increase.

So since around March I have set up a savings plan of 10 dividend shares. And added two more individual shares. In the meantime, however, I'm considering discontinuing this or switching to one or more dividend etf. But the question is whether or not I should also save in my normal etf.

So would it make sense, for example, to save two non-distributing ETFs for retirement and two dividend ETFs for the last few years of work?

Nevertheless, I would mix individual stocks into my portfolio from time to time because I enjoy it.

My current savings rate is currently divided as follows:

-250€ dividend savings plan

-€450 for the two ETFs mentioned above

-€33.50 for capital-forming benefits (€6.50 from the employer)

-110€ etf Flex retirement provision policy

My savings rate could be a little better, but I bought a house with my brother 1.5 years ago which we renovated ourselves. It is not yet clear whether we will move in, rent it out or sell it. We bought it in a very sought-after area at a good price. But the loan is still a good 3-5 years away.

The performance of my portfolio definitely has room for improvement. However, at the beginning I made very questionable purchases from even more questionable companies. More in the direction of penny stocks. I sold them all. Except $SVA . The money is "play money". At the time, I also bought some shares like$SAP (-1,76%) odwe $AMZN (-1,56%) in the Ath area.

Thank you in advance for any helpful feedback on my key question or simply on my portfolio.✌🏻

I have made an additional purchase here, as I see the current price as an attractive buy price and the study with the second cohort will be completed soon beginnt👌🏻.

Deposit transfer

Sernova will ball or how was that @Lorena 🤣

$EVT (-3,14%)
$SVA

Evotec and Sernova enter into a worldwide exclusive strategic partnership in the field of iPSC-based beta cell replacement therapy to develop a funjtional cure for diabetes.

https://www.irw-press.com/de/news/sernova-und-evotec-gehen-weltweite-exklusive-strategische-partnerschaft-hinsichtlich-betazell-ersatztherapie-auf-ipsc-basis-ein-um-eine-funktionelle-heilung-fuer-diabetes-zu-entwickeln-und-zu-kommerzialisieren_65836.html?isin=CA81732W1041

I do not guarantee the completeness and/or accuracy of the news.

This is not an analgeberatung, investment recommendation or a call to action.

Trading place : Lang & Schwarz

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