Hello everyone,

First of all, thank you for the numerous comments and reactions to my first post here on Getquin. The whole thing has inspired me to share something with you again today that I personally like very much.

This is about the advantages for shareholders of the Minor Group and the $NHH (+0,32%) share.

What does Minor Hotels do?

Minor Hotels is a hotel group such as $MAR (+1,62%) or $H (-0,69%) .

Here are a few facts:

• Over 340 hotels and 55,462 rooms worldwide
• Represented in over 30 countries (mainly Europe)
• Well-known brands such as NH Hotels and Anantara
• Strong investments in the expansion of the portfolio

Spain is currently the Group's strongest location with 84 hotels. However, the Group is also represented in Germany with currently 50 hotels.

While the majority of revenue (54%) comes from the hotel sector, a further 43% comes from the Minor Food division and 3% from the Minor Lifestyle division.

Key figures

• Turnover 2024: EUR 2.163 billion
• Market capitalization: EUR 1.99 billion
• Price/earnings ratio (P/E ratio): 14.25
• Price-to-book ratio (P/B ratio): 1.91
• Price/cash flow ratio (KCV): 3.32
• Earnings per share: EUR 0.29
• Book value per share: EUR 2.20
• Cash flow per share: EUR 1.26

Group investments

An article published in the Minor Hotels Newsroom on April 26, 2024 describes the Group's enormous growth plans. By the end of 2026, a further 200 hotels worldwide are to be added to the Minor Hotels portfolio.

Considering that the group currently has 350 hotels, it is clear that enormous growth is planned for the coming years. Over 50 of the 200 hotels are to be built in Europe, while new hotels are also to be built in America.

Advantages for shareholders

The group presented here is part of the Minor International Group. It has a total of 546 hotels worldwide, including famous brands such as Kempinski (including the Adlon in Berlin).

All 546 hotels benefit from the GHA Discovery hotel bonus program. This gives loyal customers exclusive benefits for their stays at Minor International Hotels through a ranking system.

Here is a list of the different ranks and the services required for them:

As you can see here, enormous annual sums are sometimes required to achieve a higher level. Although it is possible to achieve the highest rank with 3 stays at different brands of the group, it should be noted here that the group mainly has luxury hotels in its portfolio.

However, for shareholders the group offers a free upgrade up to the highest membership. In the following, I will show you the advantages of the ranks and the sums that you have to invest in the share in order to achieve the respective rank for free.

Silver ( Free for all)

• Partner Benefits
• 4% cashback in the form of credit for the hotels and their activities
• Free WLAN
• 10% discount on all bookings
• Exclusive offers
• Member Only activities
• Access to Member Only areas in hotels

Gold ( from 1 EUR)

• All the benefits of the previous levels
• 5% cashback in the form of credit for the hotels and their activities

Platinum ( From 2000 EUR)

• All benefits of the previous levels
• 6% cashback in the form of credit for the hotels and their activities
• Room upgrade (subject to availability)
• Check out until 3 pm (subject to availability)
• Welcome gift

Titanium (from 3000 EUR)

• All the benefits of the previous levels
• 7% cashback in the form of credit for the hotels and their activities
• Double room upgrade (subject to availability)
• Free breakfast in some hotels (number of participating hotels is increasing rapidly)
• Check in from 11 am
• Guaranteed room in the 48 hour period
• Free ASSMALLWORLD membership (otherwise 100 EUR per year)

(AttentionBy purchasing NH shares you will initially only receive NH Discovery status. However, this entitles you to the same membership in the GHA Discovery Program. Simply write/call the support team there and this should be sorted out quickly).

I personally got the Titanium membership last month and will try it out on my next hotel visit on Thursday. If you are interested in finding out what benefits I really got and whether it all worked, please feel free to follow me. I plan to upload an update as soon as possible after my vacation :)

End

That's it for this post. I hope I haven't forgotten anything. If you have, feel free to post your questions in the comments and I'll try to answer them as best I can.

I wish you a happy new year !!!

Hi, my name is Max, I'm 18 years old and I'm interested in social media and the stock market.

That's exactly why I'd like to document my financial career on Getquin from now on and talk about it with you. As you can probably tell from the name, my goal is to retire at the age of 50. I would like to make this possible through my share portfolio. Thanks to an inheritance, I had the opportunity to skip the hard road to the first €100,000. However, as I was only 15 years old at the time I found out about the inheritance, I had a lot to learn first. Now I'm 18 years old and already know a bit more. Over time, the stock market has become my hobby and hardly a day goes by when I don't spend time with it.

How it all began

As already mentioned, my interest in the stock market was triggered by the inheritance I received in 2019. Since the deceased relative also had a great interest in the stock market and had invested very successfully for many years, my father thought it would certainly be in his interest if I invested the money too. Fortunately, my father is also very experienced in the stock market, so he was able to explain a lot to me. So it wasn't long before I bought my first ETF with him. This was classically the $IWDA (+0,2%) . I also bought a fund for the Asian region $JQ8Y72 . At the time, this was a recommendation from a friend's bank. However, I sold this fund at some point with a loss of around 25%. That wasn't the best start, of course, but it did teach me how to deal with losses. In those early days, I learned a lot about the stock market from YouTube, but also from other platforms such as Der Aktionär and Finanzen100.

The first individual shares were added in 2023. That was back then $GOOGL (-0,22%) and $DHL (+0,42%) . This was followed by other tech giants such as $AMZN (+0,03%) , $MSFT (+0,48%) and $AAPL (+0,29%) . I now have 17 different individual stocks. Looking at my portfolio, most of them will probably be familiar to you, but there are also some smaller stocks like $EUZ (-1,5%) , $NHH (+0,32%) and $LNN (+3,11%) I bought because I find them exciting for the future.

Past and future

Fortunately, my portfolio has performed really well in recent years, in my opinion. This year, too, I am going into the new year with around 20%. Tech stocks in particular have performed strongly and generated decent returns. As I am very optimistic about the tech giants for the next few years, I will continue to hold them in my ETFs despite the doubling. As things stand today, however, I have 2 positions that I would like to change. $DHL (+0,42%) will probably be the first stock to leave my portfolio. Personally, I just don't have the feeling that the company is developing as strongly as many of my other shares. Of course the DHL share is great as a dividend stock, but I want to focus on growth first. That's exactly why I'm going to $GGRP (+0,37%) reallocation. The current replacement is the $FUSD (+0,42%) . I like the quality focus behind these ETFs, but I don't need GGRP's shifted focus on dividend stocks, as I don't really care about dividends at the moment.

In September 2025, I will start my apprenticeship as a bank clerk. From then on, I plan to finally set up my first savings plan. As I'll still be living at home at this point, it should be easy to save a high proportion of my trainee salary. But I'm also making sure that it's not too high - after all, I don't want my quality of life to suffer because of my savings.

Building up additional income

I have been very interested in social media since 2020. When I was 14 years old, I started an Instagram page and reached over 25,000 subscribers within 1-2 years. During this time, I was doing really well financially and I experienced some really great things. For example, I raffled off 120 liters of beer to my community with a brewery. But I'll write a post about that in my subscriber feed soon. After all, the whole thing doesn't really have anything to do with the stock market, which is why I don't want to burden the homepage with it. However, if any of you are still interested, feel free to follow me and read the story soon.

There I will also explain again why I can no longer use the site.

I'm currently trying my hand at YouTube. I'm using artificial intelligence to create videos in the hotel niche. The results are surprisingly good. More on that soon ;)

I'm also currently trying to build up my reach on Instagram. I recently opened an account on Instagram, which should address the same topics as this Getquin account. If you are interested, you are of course welcome to drop by. I'll try to add the link to the account here:

Generation Aktienrente 📈| Vermögensaufbau mit 18 (@aktienrente.mit.50) • Instagram-Fotos und -Videos

With the help of these projects, I hope to be able to build up a more or less passive income in the future, which I can then put directly into my share portfolio. However, to be honest, I also enjoy them as they are, which is why an additional income is not absolutely necessary.

Nevertheless, I will upload regular updates to my feed, which will document my current projects and their developments in detail.

End

This brings us to the end of my first article. I hope I have been able to arouse the interest of at least a few of you and would of course be delighted to receive feedback and suggestions for improving my portfolio and my plans.

I wish you all a happy new year!