...just 3 months ago the 3rd milestone of 20k was reached earlier than expected, last month we also raised our personal year-end forecast from 23k-25k to 25k-28k and now, 1 month later, we are pleased to have to raise it again.

The new target is now 27k-30k and should the upper limit be reached here, the last 10k would be realized in just 6 instead of 10-12 months.

Some people may smile at this numerical example, but this is still a boring dividend portfolio 🤫

...but a quick look at the facts...

...September, even if it wasn't my strongest month, delivered average results in contrast to the past, but we probably owe that more to the April🍊 correction than to the usual course of events...

...for the year as a whole, as I mentioned at the beginning, things are still looking pretty good...

...and more than satisfactory over the entire term so far 🫠

Above all, however, because the currently forecast dividend value for 2026 is mathematically a good ~27% of the average annual investment amount or, to put it another way, this increases by a good ~27% on its own (without taking into account any increases/caps) 💪🏻

Which brings us to the topic of dividends...

...September was a good month and, despite the still modest portfolio value, brought us a monthly dividend of €275.42 net (gross €298.99) for a good reinvest 🤑

There was also a small change to the portfolio itself this month:

》🟢 Top 3

$3750 (-0,74%) +35,19% (+74,45%)

$HSBA (+1,24%) +9,41% (+23,42%)

$RIO (-0,4%) +4,91% (+5,95%)

》🔴 Flop 3

$HAUTO (+0,13%) -8,32% (+44,10%)

$BATS (-1,02%) -6,64% (+80,26%)

$1211 (-2,74%) +1,28% (-16,36%)

》Disposals

$PETR4 (+0,82%)

$JEGP (-0,36%)

》Additions

$DTE (-0,22%)

$WINC (-0,2%)

》Increased

$DTE (-0,22%)

$VAR (+0,27%)

All in all, a good look back at the future 📈

Wishing everyone a nice rest of Sunday and a good UPtober together ✌🏻

👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (+0,15%) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (+0,05%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,51%)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

900 € flow in monthly:

- 💵 €500 in SPDR S&P 500 ($SPY5) (-0,22%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,54%)

- ₿ 200 € in Bitcoin ($BTC) (+0,4%)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (-1,84%) , $UNP (+1,71%), $RACE (-0,74%) , $MRK (-0,26%) , $MUV2 (-0,31%) , $DGE (+0,24%) , $DE (+0,11%) , $TXN (-0,99%) , $AWR (+0,33%) , $ADP (-0,02%) , $PLD (+0,58%) , $HEN (+0,2%) , $ITW (-0,61%) , $UNH (+1,57%) , $LLY (+2,04%) , $BEI (-0,01%) , $MCD (-0,16%) , $DTE (-0,22%) , $WMT (+0,16%) , $COST (-0,53%) , $WM (+1,03%) , $JPM (+0,56%) , $BLK (+0,33%) , $SY1 (+0,4%)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

A silent reader for a long time, now my first post asking for feedback on my portfolio.

# Investment strategy

- Core-Satellite with MSCI World $IWDA (-0,04%) , $SPPW (+0,06%) and SP 500 $CSPX (-0,23%) , $I500 (-0,22%)

- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).

- Current monthly savings plans: $VFEG (-0,04%) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (+0,35%) with 600 € + $EWG2 (+0,8%) Gold and $BTC (+0,4%) -purchases on top without a fixed savings plan.

- Individual shares: US Hyperscaler $GOOG (-0,5%), $MSFT (-0,15%), $AMZN (-1,27%) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (-0,22%) , $NOVO B (+1,06%) , $ASML (-0,29%) ,

$ALV (-0,22%)

- Target weighting for alternative investments (gold/BTC) at least 10%.

- S&P 500 savings plan currently suspended as valuations appear too high.

- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community

# Targets

1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.

2. building up retirement provision & financial freedom.

# Notes

- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.

- I have my BTC with Bitvavo and am satisfied

- Child custody account: In $TDIV (+0,54%) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.

- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.

- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.

My tip to the getquin community: Don't forget to live your life while investing :-)

For me:

• Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
• Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
• Ford Mustang GT Convertible (6th gen) -> :-)

... In my opinion, this is not the ideal time to buy, but some stocks, especially in the more defensive area, are comparatively attractive for me right now, especially as they can also be a defensive anchor if tech should correct again. As far as tech is concerned, I'm waiting for that.

Today I have:

$WM (+1,03%)
$RSG (+0%)
$PG (-0,26%)
$COKE (+3,24%)
$KO (+0,55%)
$LIN (-0,85%)
$CSL (-0,49%)
$NEE (+1,68%)
$DB1 (-1,84%)
$DTE (-0,22%)
$COST (-0,53%) bought

all about the same amount... Linde a little more, Carlisle a little less...

In August, Deutsche Telekom built 9 percent more fiber optic lines than in August of the previous year.

For a long time, Deutsche Telekom was $DTE (-0,22%) was scolded by its competitors for building virtually no fiber optic connections to its customers and resting on its historically grown copper network.

》These times are over《

For August 2025 alone, Deutsche Telekom reports having built "over 218,000 new fiber optic connections".

A total of around 11.6 million households and companies could now book fiber-optic tariffs. Statistically speaking, this expansion performance represents an increase of 9% compared to the same month last year (August 2024).

If the fiber optic/copper network via Telekom's VDSL is included, "over 37.1 million households and companies" could book lines and tariffs with up to 100 Mbit/s, and around 31.7 million have the option of getting "up to 250 Mbit/s".

》What do customers in the Telekom network do with fiber optics?

In August 2025, "MagentaTV" was the most used application on the Deutsche Telekom network, followed by YouTube in second place and Netflix in third place, followed by Amazon Prime Video (fourth place) and services via the "Akamai Cloud" in fifth place, on a par with Instagram's social media offering.

There were no changes in uploads compared to the previous year: Most uploads go to Google Cloud ahead of Microsoft Teams, Discord, various Google APIs and via WhatsApp.

Interface for broadband expansion

According to Deutsche Telekom, it is the "first and so far only company" to use a digital interface to the broadband portal for fiber optic expansion. This means that all necessary applications for the expansion of high-speed Internet can be exchanged completely digitally between a municipality and a telecommunications provider.

Both the municipalities and the companies remain in their familiar systems, where they can track the status of the project and issue and receive notifications. For the municipalities, this means fewer queries, clear requirements, more transparency regarding construction projects and significantly shorter processing times. The more municipalities register with the broadband portal, the faster Telekom can drive forward its fiber optic expansion.

Deutsche Telekom $DTE (-0,22%) is further expanding its strong position in the healthcare sector. The Group is taking over the IT specialist for medical data management "synedra" from Austria.

The founding team and its more than 80 employees will become part of the Deutsche Telekom family as part of the takeover. The companies did not disclose the purchase price.

Digitalization in the healthcare sector is progressing steadily. More and more clinics are networking and exchanging medical data with each other or with specialists. Every contact with a doctor, every examination and every laboratory result generates data. Radiological image data, videos and genome data in particular contribute to hospitals producing up to several terabytes of data every day.

The Health Content Management (HCM) platform from synedra brings light into this data jungle and ensures secure archiving, ordering and exchange of medical data. With this acquisition, Deutsche Telekom is expanding its portfolio to include synedra's HCM solutions and akedis Innovations' documentation solutions.

》Sovereign AI platform for hospitals in Europe《

The healthcare IT market is a key sector for Deutsche Telekom. The company is the manufacturer of the hospital information system (HIS) "iMedOne" and one of the five largest providers in Germany with 200 customers and over 100,000 users. With HealthID, which also forms the basis for the electronic patient file (ePA), the company also reaches around 35 million people with health insurance. As an HIS manufacturer, Deutsche Telekom already offers a specially certified sovereign cloud platform and has been working with synedra on a basis of trust for several years.

The acquisition not only expands Deutsche Telekom's portfolio of data platforms and interoperability solutions. The companies also complement each other well regionally. Synedra is headquartered in Austria, has subsidiaries in Germany and Switzerland and supports more than 260 clinics.

Since I wanted to slim down my North American lumps a little, I invested in my home country. I think $DTE (-0,22%) I made a solid catch at a good price!

What else do you have on your radar? Anything interesting?

I think the next investment will be another one in the sugar giants $KO (+0,55%) ! 😛

As the rating agency announced, it has upgraded the long-term issuer default rating of the telecoms operator to "A3" from "Baa1" and the outlook has been changed from positive to stable.

Moody's points out that the continued strong operating performance, both in the USA and in Germany, is likely to continue in the period from 2025 to 2027.

I immediately increased my holding to a total of 70 shares for my long-term portfolio 🫠

I am currently of the opinion that I am in a good position with my investments for the current status. (approx. 1 year of investing)

Now to the individual stocks! 🧐

My main ETF $IWRD (+0,05%) :

Currently, the iShares MSCI World is my biggest stock - but also my biggest problem (at least in my opinion). It's currently too much of a cluster risk for me, as I'm invested in North America with around 55%. 😣

My second ETF $XMME (+0,16%) :

I try to minimize this cluster risk with this ETF. 70/30 strategy... 😛

The China giant $1810 (-1,44%) :

As I really like the current status of the company, I am following developments with interest and the purchase price was very attractive for my financial means, I bought it. With satisfaction. Of course, I also did it to further minimize the cluster risk. So... hopefully I'll be able to sell at a profit at some point! 😇

A bigger gamble $TTWO (+0,16%) :

Well... what can you say... GTA 6 will probably blow everyone away. Of course, I'm aware it's only a small percentage, so either pay the lesson or get lucky. ☘️

My first solid stock with dividend prospects $KO (+0,55%) :

Everyone knows it, everyone has bought it. There's nothing to say about CocaCola. 🥤

My second solid div. stock $SHEL (+1,6%) :

I was able to get in cheap, the company is huge and stable. ⛽️

The bank share $DBK (+0,97%) :

I'm with DB, extremely happy with it and was able to strike it cheap at the time. So far it's done quite well and there are always a few dividends! 💰

And finally... the more or less ugly duckling $SLI (+6,1%) :

The little gamble that turned into my first doubling. One can only hope. Stability is not exactly the hobbyhorse. 🦆

And now for my future thoughts!

I am currently interested in $DTE (-0,22%) (approx. worth €300-400) and letting them run with a savings plan. On the one hand, of course, to further balance out the cluster risk and on the other hand, to somewhat delimit the Asian theme.

My next consideration is $CL (-0,54%) as it currently has an interesting entry price.

...have been looking for an entry point for a long time and now the first knife has fallen 🤷🏻‍♂️😁