Before the moment is over again, I would like to take a moment to celebrate my first small milestone: after almost a year of active trading, I have reached €10,000.

Most of the time I was still a student - with small savings rates, a lot of curiosity and learning by doing (and many mistakes). I've now been working as an engineer for a month and can invest properly for the first time. I'm excited to see where the journey will take me.

I am pursuing a long-term growth strategy, but I also like the charm of dividends as a motivator. With half of the bonuses, I will probably buy individual shares or burn a penny or two by gambling.

I know things aren't going perfectly, but I'm prepared to learn from mistakes and constantly question my strategy.

One small fly in the ointment: my Mercedes shares are currently still blocked.

I look forward to your feedback, experiences and tips - on the subject of crypto, I'm still torn as to whether I've missed the party.

Savings plans: 690€

200€ - $IWDA (-0,04%)

60€ - $EIMI (-0,93%)

40€ each - $JEGP (+0,33%)
$MAIN (+1,18%)

25€ each - $NOVO B (+2,99%)
$HTGC (+0,51%)
$GOOGL (-0,13%)
$WMT (+1,92%)
$CRWD (+2,43%)
$AMZN (-0,1%)
$MELI (+1,83%)
$META (+0,56%)
$NET (+0,28%)
$ALV (+0,45%)
$WM (+1%)
$ASML (-1,02%)
$SAP (+2,11%)
$PLTR (+7,32%)

First of all, thank you for taking the time to read this post🙄 it's getting a bit long😅

As you know, the market has only gone in one direction in recent weeks and months📉, but now the wind seems to have changed 📈

since my portfolio presentation last year, I have now used the correction to some changes in the portfolio, which I would like to share with you 🙃 "Unfortunately" there was no reduction in the portfolio for the time being because there were too many attractive opportunities🥹

At the beginning of April in particular, I massively reduced my cash reserves and expanded or even doubled my positions. I also made a a few new additions in my portfolio begrüßen✌️(I actually had a few stocks inspired by the dear @Aktienhauptmeister 👀) Greetings go out 😆

In my portfolio introduction post, I mentioned that I would like to $DHR (-0,68%) against $SYK (+0,27%) would exchange. Now it has actually been implemented ✅ necessity is the mother of invention, which is why I have also parted with $OR (+2,06%) I also parted with

I didn't want to share all my purchases now, that would be too much, so I'll list what I bought here 🙂

I tried as best I could to increase "every" position in the portfolio a bit🧐

First of all, I'll mention the positions that were further expanded

$VWCE (+0,18%) + ~10k

$GRAB (-0,09%) + ~1k to (3.38)

$BLK (+0,61%) + ~ 1.3k (678)

$ASML (-1,02%) + ~2.7k (555,45)

$GOOGL (-0,13%) + ~ 1.5k (124,66)

$MPWR (-2,66%) + ~ 1.6k (409,21)

$SOFI (+1,56%) + ~ 0.7k (7,78)

$LIN (+0,91%) + ~ 1.1k (388,20)

$QCOM (-1,78%) + ~ 1.5k (113,62)

$CRWD (+2,43%) + ~ 0.9k (289,75)

$MSCI (-0,18%) + ~1.3k (451)

$V (+1,04%) + ~ 1.4K (274)

$AMZN (-0,1%) + ~ 1.4K (159,74/159,34)

$MSFT (+0,62%) + ~ 1.7k (335/337,75)

$MC (+0,1%) + ~ 1.9k (482,31)

$NOVO B (+2,99%) + ~ 2.5k (51,68)

$ABBV (+0,8%) +~ 1.5k (152)

$NVDA (-2,46%) +~ 2k (85,04)

$UNH (+1,54%) +~ 1.7k (336,30)

$PEP (+0,03%) +~ 1.1k (114,97)

$MRK (+1,19%) +~ 1k (67,70)

------------------

now to the new arrivals 🤩 the ones now mentioned below I opened the positions for the first time 😇

$SYK (+0,27%) ~ 2.1k (305,72)

$META (+0,56%) ~ 1.4k (467,30)

$AVGO (+0,55%) ~ 1.1k (156,76)

$ISRG (-0,67%) ~ 1.6k (398,30)

$SPGI (-0,04%) ~ 1.2k (403,22)

$ANET (+0,29%) ~ 1.8k (70,50/58,65)

$UNP (-0,11%) ~ 0.9k (187,56)

$CAT (-0,65%) ~ 1.5k (246,50)

(I hope I have not forgotten anything)

I have invested a total of about 45k and am absolutely satisfied with my investment case. Now I have no more buffer to add 🥲 in the next few months I will build up cash again 😬

Now I'm curious to see what you've bought, my dear investors?

Like for example @Aktienhauptmeister
@Max095
@Tenbagger2024
@Simpson 🫣

thanks again for reading 🥸

in that sense

have a nice weekend ✌️

2025 - It remains a wild rollercoaster ride. On April 2, Donald Trump sends everything that is not gold on a downward spiral.

And just a few weeks later, investors in the US / in US dollars at least might ask themselves: Tariffs, was there anything at all?

The US indices S&P 500, Dow Jones and NASDAQ have returned to their pre-Liberation Day levels of early April and have recovered all their losses.

Unfortunately, things look somewhat worse for us euro investors due to the strong depreciation of the dollar. An S&P 500 ETF in euros is still around 6% below its level at the beginning of April.

Monthly view:

Nevertheless, there was also a real race to catch up in my portfolio in April. While my portfolio had lost ~10% in March, at the beginning of April there were again price losses of almost -11% on the board. In total, this amounted to ~€70,000 in price losses.

After that, things picked up significantly and April closed with only -3,4%.

This corresponds to price losses of over 11.000€.

The MSCI World (benchmark) was -5.1% and the S&P500 -1.1% (in dollars, for euro investors it was more like -6%).

Winners & losers:

A look at the winners and losers shows a much more balanced picture in April than in March:

On the winner side the top 5 are my two cybersecurity investments with Crowdstrike $CRWD (+2,43%) in 1st place and Palo Alto Networks $PANW (+4,01%) in 4th place. 2nd place goes to Bitcoin $BTC (+0,26%)
, which finally lives up to its status as "digital gold" this month.

The top 5 is completed by MercadoLibre $MELI (+1,83%) in 3rd place and Bechtle $BC8 (-0,8%) in 5th place.

Now a look at the losers' side:

1st and 2nd place go to Starbucks $SBUX (+0,1%) and NVIDIA $NVDA (-2,46%) with losses of €1,300 each. In 3rd place follows Meta
$META (+0,56%) with losses of €1,200, despite the strong quarterly figures at the end of April. Places 4 and 5 then go to two healthcare stocks with Amgen $AMGN (+1,43%) and Thermo Fisher $TMO (+0,69%)

The performance-neutral movements in April were € 650 - these are still lower at the moment due to the issue of house building.

current year:

In the YTD my portfolio is still clearly in the red with -12,4%. The MSCI World is still slightly better at -10.6%.

In total, my portfolio currently stands at ~252.000€. This corresponds to an absolute decline of ~€33,000 in the current year 2025. -37.000€ of this comes from exchange rate losses, slightly offset by ~1.200€ from dividends / interest and ~2.600€ from additional investments.

Dividend:

• Dividends in April were +38% above the previous year at ~221€
• LVMH is in the lead with a (gross) dividend of over €40
• In the current year, dividends after 4 months are +20% over the first 4 months of 2025 at ~955€
• I have reached another milestone with regard to the rolling 12-month view. For the first time, I have received over €3,000 in gross dividends for the last 12 months.
• However, the significant fall in the US dollar is also making itself felt in the dividends. My dividend forecast for this year is now only +5-10% instead of 15-20%

Buying & selling:

• I bought in March for 875€
• 570€ shares
• 205€ ETFs
• 100€ crypto
• Sales there were none in April

YouTube:

My portfolio update for April is now also available on YouTube (as usual). There I also discuss the impact of the US dollar in more detail.

Link: https://youtu.be/EeEZ4JveSec

Target 2025

I haven't really set myself any goals for 2025 due to the issue of building a house. A fixed savings rate is difficult to implement due to the issue (unforeseen costs and the like).

A dividend target will also be very difficult due to the high volatility of the US dollar.

That's why I'm focusing on other topics this year, especially building a house and possibly one or two YouTube successes.

How are things looking for you? Have you also felt the effects of the weak US dollar? Or are you now buying properly and taking advantage of the "strong euro"?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Source: Finchat

$PLTR (+7,32%)

$NOW (+0,27%)

$SPOT (+4,37%)

$PANW (+4,01%)

$SHOP (-0,16%)

$CRWD (+2,43%)

$FTNT (-1,06%)

$ABNB (+0,51%)

$COIN (-0,55%)

$AXON (+2,93%)

$RBLX

$NET (+0,28%)

$HOOD (+3,45%)

$TTD (+0,27%)

$DUOL

$HIMS (+8,3%)

Hi,

As they like to say, hindsight is always wiser. I didn't expect us to go up again so quickly. Would have had more cash on the side to invest. But I bought some more stocks

$MC (+0,1%) 500€ at 505,90€

$CRWD (+2,43%) 500€ at 300€

$IWDA (-0,04%) 1.516,24€ to 84,25€

$AMZN (-0,1%) 640,00€ to 160€

$ASML (-1,02%) 519,90€ to 519,90€

and $NOVO B (+2,99%) is currently running with €100 per week in the savings plan.

But I still have around €8,000 cash left. Would you invest this in the stocks mentioned in the savings plan ( if necessary $IWDA (-0,04%) ) or hold them. Not that the magic will start again in 90 days. How do you go about it?

The question for me is what exactly does Trump want from the EU, for example? The EU has already offered zero tariffs and he has refused. What else does he want, that the EU reimburses the US for its trade deficits?

My 2nd order was for cybersecurity, and my choice fell on $CRWD (+2,43%)

It is now slowly becoming clear who has what it takes to make good profits in the coming years.

Here are my top 30 companies by category, which I am particularly looking at in the current crash.

Some are still overvalued, others are already very attractive at the current price level.

Tier 1 (high corporate quality and strong growth)

Airbnb $ABNB (+0,51%)

Alphabet $GOOGL (-0,13%)

Amazon $AMZN (-0,1%)

ASML $ASML (-1,02%)

Axon $AXON (+2,93%)

Cadence $CDNS (+1,22%)

Constellation Software $CSU (+2,57%)

Crowdstrike $CRWD (+2,43%)

Fair Isaac $FICO (+2,65%)

Hermes $RMS (+1,74%)

Intuit $INTU (-0,37%)

Intuitive Surgical $ISRG (-0,67%)

Mastercard $MA (+2,14%)

Meta $META (+0,56%)

Netflix $NFLX (+2,13%)

Microsoft $MSFT (+0,62%)

Palantir $PLTR (+7,32%)

Tesla $TSLA (-2,92%)

Tier-2 (high business quality and moderate growth)

Booking $BKNG (+0,51%)

Costco $COST (+3,24%)

Ferrari $RACE (+0,11%)

Moody's $MCO (-0,32%)

MSCI $MSCI (-0,18%)

Transdigm $TDG (+0,7%)

Tier-3 (medium / solid corporate quality and strong growth)

Hims & Hers $HIMS (+8,3%)

Robinhood $HOOD (+3,45%)

Roblox $RBLX

Shopify $SHOP (-0,16%)

Spotify $SPOT (+4,37%)

The Trade Desk $TTD (+0,27%)

I bought on Friday and am buying again today - even in the course of the next few days and weeks, when we could probably see even lower prices.

Where are you buying?

Presumably because the New York Times reports on the Pentagon's war plans against China, which Musk was apparently briefed on at the Pentagon today.

In a military conflict between the two economic powers USA and China, the first "Line of Contact" would be a digital one: cyber attacks.

And even if only hypothetical scenarios are reported, this will probably already lead to an intensification of the constant mutual cyber attacks. Information is key.

• Cyberark $CYBR (+1,93%)
• Palantir Tech $PLTR (+7,32%)
• Check Point Software Technologies $CHKP (+0,81%)
• Crowdstrike $CRWD (+2,43%)
• VeriSign $VRSN (+1,61%)
• Zscaler $ZS (+3,89%)
• Okta $OKTA (-3,12%)
• Cloudflare $NET (+0,28%)
• Fortinet $FTNT (-1,06%)
• Cisco Systems $CSCO (+0,23%)
• Palo Alto Networks $PANW (+4,01%)
• Akamai Technologies $AKAM (+0,09%)
• BlackBerry $BB (-1,44%)
• NetScout Systems $NTCT (-1,08%)
• CommVault Systems $CVLT (+4,17%)

Sources:

• The Pentagon set up a briefing for Musk on plans for a potential war with China.
• NYTimes Liveblog: Trump Administration Live Updates: Trump Rejects Idea of Letting Musk See Secret Plans for War With China

#newyorktimes
#china
#usa
#trump
#pentagon
#elonmusk

Revenue Forward 3Y CAGR and Forward P/S Ratio (sorted in ascending order)

Hims & Hers: 31.9% / 3.4x $HIMS (+8,3%)

Spotify: 14.9% / 5.6x $SPOT (+4,37%)

Airbnb: 10.4% / 6.8x $ABNB (+0,51%)

Roblox: 19.4% / 7.3x $RBLX

Robinhood: 17.0% / 10.6x $HOOD (+3,45%)

The Trade Desk: 19,4% / 11,1x $TTD (+0,27%)

Fortinet: 14.4% / 11.5x $FTNT (-1,06%)

Shopify: 22.6% / 11.9x $SHOP (-0,16%)

Palo Alto Networks: 14.7% / 12.2x $PANW (+4,01%)

ServiceNow: 19.5% / 13.4x $NOW

Duolingo: 26.7% / 13.7x $DUOL

Axon Enterprise: 20.9% / 15.5x $AXON (+2,93%)

Crowdstrike: 22.5% / 17.2x $CRWD (+2,43%)

Cloudflare: 27.2% / 20.9x $NET (+0,28%)

Palantir: 30.8% / 52.6 $PLTR (+7,32%)

Palantir and Hims & Hers are not the same...

Even if Palantir increases its sales by an ambitious 30% every year over the next 10 years and achieves a free cash flow margin of 45% (!), the current share price is still >20% above fair value (assumption: 3% terminal growth, 8% discount rate) - even though the share has already corrected by >30%.

Your opinion?

Airbnb $ABNB (+0,51%)

Amazon $AMZN (-0,1%)

Axon $AXON (+2,93%)

Cadence $CDNS (+1,22%)

Constellation Software $CSU (+2,57%)

Costco $COST (+3,24%)

Crowdstrike $CRWD (+2,43%)

Fair Isaac $FICO (+2,65%)

Ferrari $RACE (+0,11%)

Hermes $RMS (+1,74%)

Hims & Hers $HIMS (+8,3%)

Intuit $INTU (-0,37%)

Intuitive Surgical $ISRG (-0,67%)

Mastercard $MA (+2,14%)

Microsoft $MSFT (+0,62%)

Moody's $MCO

MSCI $MSCI (-0,18%)

Palantir $PLTR (+7,32%)

Robinhood $HOOD (+3,45%)

Roblox $RBLX

Shopify $SHOP (-0,16%)

Tesla $TSLA (-2,92%)

The Trade Desk $TTD (+0,27%)

Transdigm $TDG (+0,7%)

Select a maximum of 8-10 positions from this list that have the best risk/reward ratio and are reasonably valued. Then there is a good chance of outperforming the S&P 500.

Your opinion?