👋 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) (+0,55%) 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) (+0,62%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,27%)

📈 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) (+0,74%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,33%)

- ₿ 200 € in Bitcoin ($BTC) (+1,56%)

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

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+0,88%) , $UNP (+0,7%), $RACE (-2,18%) , $MRK (-1,06%) , $MUV2 (+0,97%) , $DGE (+1,95%) , $DE (-0,39%) , $TXN (+2,67%) , $AWR (+1,55%) , $ADP (+0,36%) , $PLD (+0,09%) , $HEN (+0,47%) , $ITW (-0,82%) , $UNH (+1,92%) , $LLY (+0,46%) , $BEI (+0,27%) , $MCD (-0,46%) , $DTE (+0,31%) , $WMT (-0,08%) , $COST (+0,22%) , $WM (+0,87%) , $JPM (-0,67%) , $BLK (+0,04%) , $SY1 (+1,3%)

🔹 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!

I am proud to have reached this milestone.

I would be delighted to receive feedback on my portfolio.

I tend to take a long-term approach, but I find ETFs too boring.🥱 I would like to slim down my portfolio a little and am considering divesting from $LLY (+0,46%) and / or $NOVO B (+1,42%) to divest.

$NOVO B (+1,42%) has been strongly driven by the hype surrounding weight loss injections in recent years, but has also impressed fundamentally with strong EPS growth. After the recent setback, the share price looks attractive again to me.

I see risks above all in the dependence on the US market and the diabetes segment; paradoxically, the company could lose market volume here due to the success of its own products. On the other hand, the potential in the obesity and lifestyle segment remains enormous, and the cash flows enable strong research.

How do you see the current sentiment towards the share, especially in terms of differentiation$LLY (+0,46%) ?

In the end, I actually decided on neither of them.

No industry that appeals to me.

$NOVO B (+1,42%) vs $LLY (+0,46%)

s/o on @Tenbagger2024 in the commis 🫡

$NVO (+0,99%)
$NOVO B (+1,42%)

$LLY (+0,46%)
$HIMS (+0,78%)

• Dismissal of 9,000 employees worldwide (11.5% of the global workforce).
• 5000 of these are expected in Denmark.
• One-off negative impact on operating profit in 2026 of DKK. 8bn.
• As a result, the forecast range for the operating result has been reduced by -6%.

$HIMS (+0,78%)
$LLY (+0,46%)
$NOVO B (+1,42%)

Lee Rosebush (Chairman, OFA): "For a year now, we have heard from pharma manufacturers that it was illegal to compound GLP-1 medications. The FDA, through the acknowledgement of the green list, as well as their recent actions on adverse events, has implicitly acknowledged that compounding GLP-1s can occur."

Meanwhile, $LLY (+0,46%) doubling down: "No one should be mass compounding tirzepatide."

Washington Post says U.S. anti-obesity market could reach $68B by 2034, citing Goldman Sachs.

https://t.co/y7AUfa1US1

Washington Post also notes (and it really is notable) that $NOVO B (+1,42%) and $LLY (+0,46%) have filed more than 100 lawsuits against compound manufacturers making GLP-1s... and not a single one on intellectual property violations.

Between the FDA's announcement of the Green List and this statement last week:

"FDA has received reports of adverse events associated with compounded versions of semaglutide and tirzepatide ... Many of the adverse events reported for compounded products appear to be consistent with adverse events associated with FDA-approved versions of these products."

"A compounded drug may be appropriate when a patient's medical need cannot be met by an FDA-approved drug or the FDA-approved drug is not commercially available."

While many media outlets and pharmaceutical companies are trying to portray the FDA's announcements as anti-compounding, it appears that the FDA has spoken out on whether this is possible ...

FDA concerns about unapproved GLP-1 weight loss drugs

Understanding unapproved versions of these drugs:

https://www.fda.gov/drugs/postmarket-drug-safety-information-patients-and-providers/fdas-concerns-unapproved-glp-1-drugs-used-weight-loss

📈 Performance:

S&P500: +1.51%

MSCI World: +1.76%

DAX: +2.59%

Dividend portfolio: +4.24%

My high and low performers in August were (top/flop 3):

🟢 $UNH (+1,92%) UnitedHealth +16.78%

🟢 $ADM (-0,91%) Archer Daniels Midland +12.33%

🟢 $8058 (-0,14%) Mitsubishi Corp. +12.05%

🔴 $LLY (+0,46%) Eli Lilly -5.99%

🔴 $MSFT (+0,43%) Microsoft -7.51%

🔴 $CTAS (+0,07%) Cintas -9.20%

Dividends:

August 2025: €129.54

August 2024: € 101.41

Change: +27.74% 🥒

Sales:

🟥 $7974 (-0,46%) Nintendo (6 pcs.) +100%

Purchases:

🟩 $PG (-0,85%) Procter & Gamble (4 pcs.)

Savings plans:

• ($CTAS (+0,07%) ) Cintas (50€)
• ($MC (+2,85%) ) LVMH (50€)
• ($MSFT (+0,43%) ) Microsoft (25€)

What else has happened?

The tax assessment notice has arrived and the back payment has increased to 4100€. Funnily enough (typical for Germany), the advance payment is calculated on the basis of this year. As everything seems to run automatically, nobody checks whether this makes sense. In any case, the tax office assumes that I will have to pay the same amount again next year (or more) and tells me that I should pay €6500 in advance. Of course, I'm now asking for a recalculation. But that's a lot of work again, which could have been avoided if someone had just looked over it. Then they would have seen that this was a one-off. Well, what else do I expect these days.

The appointment at the garage has been arranged for the beginning of September. Let's see what else is in store for me.

I'm going on vacation at the end of September. That will be necessary again. My last vacation was last year around Christmas.

🥅 Goals for 2025:

Deposit of €10,000 and thus a deposit volume in the share portfolio of ~€73,000

Target achievement at the end of August 2025: 60.58%

How was your August?

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