Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (+0,33%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,16%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+0,35%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (+0,27%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (+0,3%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (-0,49%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (+1,43%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (-0,64%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+0,54%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (+1%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (-0,54%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0,64%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (-0,57%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-1,24%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-0,09%) I am convinced of the company, I think that Nu will have a successful future.
• $O (-0,18%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+0,72%)
$SOL (+2,32%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

Hello!

Since yesterday $SHEL (-0,57%) represents the largest allocation in my entire portfolio.

I took advantage of yesterday's "market situation" and continued to butter up a few other stocks.

Specifically, I have increased my positions in $V (+0,66%) , $HNR1 (-0,3%) , $MUV2 (+0,19%) and $SHEL (-0,57%) have been increased.

I already invest in Shell on a regular basis anyway.

Do you also have certain stocks that make up a particularly high percentage of your portfolio? And if so, why/why?

The start of summer in June combined sport and leisure for me. By that I mean swimming, hiking, running and sport at home. Apart from the incoming dividends, I hardly noticed anything on the stock market. It was not the strongest distribution month due to the postponement of three distributions, but it was still a very strong one. Time for a review.

Overall performance

The portfolio tended to tread water in June, but that is no cause for concern. Bit by bit, it is fighting its way out of the lows of the customs conflict. And cash flow continues to be generated by distributions to the clearing accounts. The key performance indicators are:

• TTWROR (month of May): +0.19 %
• TTWROR (since inception): +65,45 %
• IZF (month of May): +2.47 %
• IZF (since inception): +10,21 %
• Delta: +€148.63
• Absolute change: +1,173.63 €

Share allocation & performance

Which shares performed particularly well in June? Which are at the top and which at the bottom of the rankings? Which were the biggest losers?

Size of individual share positions by volume

• Share: Share of total portfolio in % (securities account)
• $AVGO (+0,71%) 2.78 % (main share portfolio)
• $NFLX (+0,14%) 2.20 % (main share portfolio)
• $WMT (+0,83%) 1.71 % (main share portfolio)
• $SAP (+0,64%) 1.59 % (main share portfolio)
• $FAST (+0%) 1.55 % (main share portfolio)

Smallest individual share positions by volume:

• Share: Share of total portfolio in % (securities account)
• $SHEL (-0,57%) 0.44 % (crypto follow-on portfolio)
• $HSBA (-0,45%) 0.54 % (crypto follow-on portfolio)
• $TGT (+0,04%) 0.62 % (main share portfolio)
• $GIS (-0,3%) 0.63 % (main share portfolio)
• $CPB (-0,39%) 0.64 % (main share portfolio)

Top-performing individual shares

• Share: Performance since first purchase % (securities account)
• $AVGO (+0,71%) : +261 % (main share portfolio)
• $NFLX (+0,14%) : +198 % (main share portfolio)
• $SAP (+0,64%) +106 % (main share portfolio)
• $WMT (+0,83%) : +68 % (main share portfolio)
• $RSG (-0,93%) +47 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $DHR (+1,43%) -57 % (main share portfolio)
• $CPB (-0,39%) -42 % (main share portfolio)
• $TGT (+0,04%) -37 % (main share portfolio)
• $GIS (-0,3%) -36 % (main share portfolio)
• $NKE (+1%) -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.7% to 61.3%. This differs from the breakdown of my ETFs to equities savings plans (43% to 57%). Equities have performed better, which is due to the fact that I also include high-dividend ETFs in the ETFs.

Investments and additional purchases

Here is a brief overview of what I have invested in savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuity from refunds: € 32.32
• Automatically reinvested dividend by broker: € 7.25 (Function is only activated for an old custody account, as I want to control the reinvestment myself)

Additional purchases were made from other surpluses:

• Number of additional purchases: 2
• 25.00 € for $FGEQ (+0,29%)

There were no additional purchases from the components of my cashback pension (e.g. reimbursements from health insurance premiums, insurance premiums, shopping vouchers, etc.) this month.

If you would like to know how my cashback pension supplements my equity and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 152.30 (€ 179.04 in the same month last year). This corresponds to an increase of -14.94 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 31
• Number of payment days: 15 days
• Average dividend per payment: € 4.91
• average dividend per payday: € 10.15

The top payers are:

• $VNA (-1,24%)
• 
  $ARCC (+0,41%)
• 
  $TDIV (+0,04%)

My passive income from dividends (and some interest) mathematically covered 15.91% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +3.81 %
• Performance since inception: +79.49 %
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.19 %

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my passive income strategy. The first profits have already been realized and more will definitely follow. For me, crypto is a lever to turn play money into even more play money, which is then put into the solid distributors to make the income snowball grow bigger and bigger. New accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +0.19 %
• $VWRL (+0,24%) : +0.39 %
• $VUSA (+0,52%) : +1.24 %

Outlook and conclusion

I'm using the summer, which has already begun, not only for hiking, but also for city trips for my "non-financial" TikTok and Insta channel. I can often be found at one of the lakes near Leipzig, which were once created from the open-cast mining pits of the brown coal era. It's nice that the lunar landscapes have become a local recreation area. That's why I'm less active at the moment. That will certainly change again in the fall.

For now, I'm just enjoying life, and my money continues to work stubbornly and steadily for me in the background. Current events in the world and in politics don't interest me in the slightest. As I write this review, the first third of the summer will soon be over.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 You'll find regular posts there as well as the portfolio and budget review: @frugalfreisein

How did your June at the depot go? Do you have any tops & flops to share? Leave your thoughts in the comments!

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,01%) Call money ETF. Div. 1.9%

15% $TDIV (+0,04%) VanEck Divi Leaders. Div 3.5%

10% $TRET (-0,14%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,36%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,05%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (-0,74%) Gold

5% $SEDY (-0,33%) iShares EM Dividend. Div 8.0%

5% $JEGP (+1,3%) JPM Global Equity Inc Div 7.1%

5% $EEI (+0,19%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0,02%) High Yield Bond. Div 6.1%

5% $EXXW (-0,5%) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,01%) Overnight ETF. Div 1.9%

12% $EQQQ (+0,43%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (-0,74%) Gold

2% $O (-0,18%) Realty Income 6.0%

2% $VICI (-0,28%) Vici Properties 5.6%

2% $OHI (+0,94%) Omega Healthcare 7.2%

2% $PLD (+0,77%) Prologis 4.1%

2% $ALV (-0,33%) Allianz 4.35%

2% $HNR1 (-0,3%) Hannover Re 3.4%

2% $D05 (-1,08%) DBS Group 5.5%

2% $ARCC (+0,41%) Ares Capital 9.3

2% $6301 (-2,15%) Komatsu. 4,2%

2% $1 (+2,91%) CK Hutchison 4.6%

2% $AENA (+0,25%) AENA. 4,2%

2% $LOG (+0,55%) Logista 7.3%

1,5% $AIR (-0,67%) Airbus 1.8%

1,5% $DHL (+0,43%) DHL Group 4.8%

1,5% $8001 (-1,81%) Itochu 2.8%

2% $RIO (-1,42%) RioTinto plc 6.4%

2% $LIN (+0,3%) Linde 1.3%

2% $ADN (-0,87%) Acadian Timber 6.7%

3,5% $BATS (+0%) BAT 7.0%

2% $KO (+0,02%) Coca Cola 2.9

2% $HEN (-0,55%) Henkel 3.0%

2% $KVUE (+1,67%) Kenvue 4.1%

2% $ITX (+1,14%) Inditex 3.6%

2% $MCD (+1,2%) McDonalds 2.6%

2% $690D (-3,54%) Haier Smart Home 5.6

3,5% $IBE (+1,58%) Iberdrola. 4,1%

1,5% $AWK (-0,06%) American Water Works 4.4%

1,5% $SHEL (-0,57%) Shell 4.1%

1,5% $ENB (-1,08%) Enbridge 6.5%

2% $DTE (-0,64%) Deutsche Telekom 2.8%

2% $VZ (-0,11%) Verizon 6.8%

2% $GSK (-0,49%) GlaxoSmithKline 4.2

2% $AMGN (-0,35%) Amgen 3.5%

2% $JNJ (-0,66%) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?