First of all, I would like to emphasize that I am not completely dissatisfied, especially not with my life. I have my dream job, my dream woman and have just returned from vacation. So basically everything is fine.

However, the last few weeks on the stock market had me a little worried, because things did go downhill a bit and I quickly fell below the "magic" €100,000 threshold again. I scraped together the last of my cash and bought another €6,000. At the moment I have no more reserves, so now it's back to building up a nest egg and hoping that there won't be another good opportunity to buy more... :D

I'll also show you my portfolio. Unfortunately, I got very carried away with the $NKE (-2,87%) which is dragging my portfolio down quite a bit. But I've decided to keep the share and see what the coming period brings. Maybe that's why I'm a bit dissatisfied, who knows.

Otherwise, I should be more than happy with my assets at the age of 37.

I currently own three condominiums.

• ETW 1 in 2018 (owner-occupied): Value approx. €400,000 (bought for €300,000) - Remaining debt: €100,000
• Apartment 2 in 2021 (rented out): Value approx. 230,000€ (purchased for 189,000€) - Residual debt: 176,000€
• ETW 3 in 2023 (rented out): Value approx. 310,000€ (purchased for 215,000€) - Residual debt: 206,000€

I am currently negotiating a fourth apartment. Let's see what happens. :)

What has eaten up my nest egg? The greed for investing... :D and an appreciation of my owner-occupied apartment. What do I do next on the stock market? I'm someone who likes to buy when I think the price is a bit low - catching the lowest point is of course almost impossible, but somehow it makes me feel better than constantly running a savings plan...

My savings rate is just under €3,000, but as I've already mentioned, I'm going to build up my nest egg to around €20,000 again first and then we'll see what happens.

A 500€ savings plan runs on the side with Trade Republic and I "save up" the remaining 2,500€ and then invest it at a time that suits me, now mostly in my distributing ETF $VWRL (-1%) .

My goal? Dividends that I can use when needed to make my life even better. Perhaps also to increase my portfolio by selling the apartments after a holding period of 10 years to escape speculation tax... :D Maybe also having the freedom to reduce my weekly working hours at some point...

I ask myself these questions every day, but I can't find a really clear answer. Maybe someone knows this feeling and would like to contribute something...

AHEAD: Starting next month, my Instagram monthly recaps will only show the most important facts and figures on the slides of the Instagram post. The detailed text version will appear here on getquin. This makes it easier to absorb the information and makes the Instagram posts clearer.

I will divide the monthly review into a portfolio update and a review for private finances. I could also create a separate review for dividends and reinvestments. My aim is to motivate people to take responsibility for their own finances and to build up their wealth. The whole thing is based on my experience reports from my personal everyday financial life, tailored to the respective target group for each sub-post. Let's see how well I succeed.

Here is the last All-In-One post.

While many have continued to panic about Trump, I think I have understood that the whole tariff issue is only intended to depress the markets so that the USA can refinance itself at much lower interest rates when a good USD 7 trillion of the USD 36 trillion of national debt matures this year. That's why I preferred to keep on hiking, while the portfolio rewarded me with plenty of dividends for the month.

I present the following points for the past month of April 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ AFTER-PURCHASES

➡️ CASHBACK

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

So the second of April was the aforementioned day of liberation. And it was indeed one, the day of liberation from the excessive overvaluations in US equities. Unfortunately, there was also other collateral damage, but in the end there will be none, as it is all just book losses.

The trap in the US government budget that I would like to briefly point out is the national debt to GDP ratio of 123%, as of March 2025. In Germany, it is around 63%. This is stiflingly high and means that economic output is not enough to keep the national debt in check! Therefore new new "money" has to be printed for refinancing. And this money reaches us through asset price inflation. The illustration is, of course, highly simplified, but that is why we invest.

A look at my portfolio shows me that my individual shares $NFLX (-1,29%) my previous class leader $AVGO (-1,93%) has at least just caught up in terms of performance. Nevertheless, Broadcom remains the largest position in terms of volume. Who knows for how much longer?

Netflix's performance has recovered to +184%, Broadcom's is +182%. I'm watching the spectacle, but I'm letting the savings plans continue. Nothing more will be done here, as Beate Sander once said: the horses stay in the stable. Behind the two draught horses $WMT (-0,31%) 3rd place in terms of volume and $SAP (-2,77%) in 3rd place in terms of performance with +110%. In the last review, I reported that the waste disposal service provider $RSG (-0,02%) had risen steadily. It is now losing a few places again, but rising $V (-2,26%) and $MA (-1,99%) are rising together and both are already knocking on the door of the top 5 from the outside. The performance of both is similar and decent with +44%/+42%.

As always, the last places in the main stock portfolio are occupied by the same suspects. $NKE (-2,87%) , $TGT (-1,59%) and $HTGC (-0,97%) are the smallest positions. In terms of performance, Nike and Target are the worst performers at -40%.$DHR (-2,31%) as well. But that leaves me cold. In the current macro situation, this is hardly to be expected otherwise. The "neighbor indicator" fits, because most of the shoes on their doorstep (larger family) are Nike shoes. I'm thinking about adjusting my savings plans so that these values receive a higher proportion of my net salary.

➡️ ETFs

The impact of Trump's tariff policy was also clearly felt in the prices of my ETFs in April, leading to significant losses. It is important to remain calm in such volatile times and continue to invest strategically. Such phases are part and parcel of long-term asset accumulation.

➡️ Distributions

In April, I was pleased to receive 19 distributions on 8 payout days. This additional income stream is a valuable addition to my normal earned income, for which I am very grateful. I recommend everyone to build up this kind of additional income in order to become more financially independent from their traditional main job.

Traditionally, April is not a low-distribution month for me. This time, however, the distributions from my three large ETFs were not paid out at the end of March but in April, which distorted the distributions for both months. This effect made April the second-highest distribution month since I started investing. Otherwise, April is always slightly below the distributions of March.

➡️ Additional purchases

From the refunds below, I bought two one-off savings plans on the $GGRP (-1,11%) and $JEGP (-0,39%) executed. I would have liked to buy more, but I still don't want to touch the nest egg or reserves.

➡️ Cashback

In April, I received a cashback on my electricity bill and a travel allowance from my employer. Part of this was used to pre-finance future expenses and to top up sinking funds, while the other part was invested in an old portfolio via the aforementioned one-off savings plans.

➡️ P2P loans

With Mintos, there were no interest or redemption payments. I always withdraw incoming funds with availability. How are you doing with P2P? Are you also withdrawing from the investment?

➡️ Crypto

April was also a very volatile month for crypto investors. The unrest caused by Trump's tariff policy depressed crypto prices, similar to March. However, prices gradually recovered, indicating that the money supply is already increasing again. This is happening through new debt being purchased in the form of government bonds by the FED, which is essentially the equivalent of 'printing' money. Historically, the $BTC (+0,83%) usually follows this development with a delay of just over 10 weeks, as it is strongly correlated to the money supply at 90%.

I am following the whole thing with interest. My preferred theory of cryptocycles still fits in with the current trend. We are moving back towards 100K and I expect a bullish crossover in Bitcoin. The limit orders are still in the market, even if it will be a long time before they trigger. Of course, I hope that the "normal" bear market will then resume. In a few months' time, we will know whether we will have seen another clear double top in the current bull market.

Here are two key figures from my crypto wallets: monthly performance: +5.5%, performance since the beginning: +56%.

➡️ And what else?

I'm continuing to delve deeper into the use of LLMs and am currently working on my prompting technique. The posts on my Instagram channel that I have published since March have been created with the help of AI, I have used AI to give me ideas for image generation, to have them created naturally and many of the quotes are also AI-generated. I use several LLMs and see significant differences in the outputs. This makes it more diverse and even allows me to merge multiple results. The models are also learning my writing style better and better, with longer generated texts you can still clearly read the generic, but I myself understand better and better how I can use the new technology to improve my productivity instead of letting it replace me. This also applies to my job.

As in the previous month, I am also focusing much more intensively on the topic of nutrition. I avoid added sugar as much as possible. So there was no chocolate bunny for me at Easter and I'm not hungry for chocolate or other sweets. That's a real miracle.

I've also increased my weekly exercise routine once again and am paying close attention to how my body is coping. Instead of two weight training sessions at home, I now do three, instead of three running sessions a week I do a lot and every morning I do some general fitness/cardio and core exercises for my stomach to warm up. The clear aim is to continue building muscle and strengthening my heart health. And I enjoy it, even though the temperature in my apartment has already risen towards 25° Celsius on some days.

I've been hiking twice in Saxon Switzerland, once just under and once over 30 km. On hiking days, I like to leave at 4 a.m. on the first Saxonia Express train. In the fall and early spring, this is even the perfect time to enjoy the sunrise on the sandstone cliffs. For me personally, this is pure healing for the soul and a real quality of life. I can enjoy it without depressing thoughts in my head because I know that my finances are in order and running on autopilot.

➡️ Outlook

May will be a no-spend month for me, simply because I feel like taking on the next challenge. Later in the year, I want to start a Hartz IV/citizen's allowance experiment. I should be able to do this most of the time, as my expenses in March and April were both under €1,000. I'm already looking forward to the evaluation at the end of the challenge.

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

Hey everyone,

I'm currently 16 years old (soon to be 17), in the first year of my apprenticeship and have been actively saving and investing my money for about 5 months now.

Before that, I only had some money in a savings account at the savings bank - that was my starting capital. I started with 3000 split into 2000 initial purchases and 1000 in an interest-bearing account

Since then, I've been saving €500 every month.

Occasionally, I had to draw on my savings because I needed money at short notice. To make up for this, I'm currently paying in an additional €100 a month. This will continue for another 6-7 months. After that, I'll just save the normal €500 a month.

That's the plan from this point on:

• Invest €450 a month in the portfolio
• Put €50 a month into an interest account to benefit from compound interest and stay liquid.

I am aware that I will not be financially free in 3 years (duration of training). I'm taking a long-term view: my goal is to build up solid assets and create a good financial basis by the age of 30.

I recently took advantage of the big discounts during the market downturn and added to the portfolio - among other things, I picked up Nike about 1-2 weeks ago during the price drop.$NKE (-2,87%)

Another small comment:

I have a very small position in Cardano and Dogecoin, which came from "fun buys" - I had gotten €50 from my grandma for my vocational school certificate, which I put into Cardano$ADA (-0,73%) and some small change ended up in Dogecoin$DOGE (-0,71%) . I will sell these positions as soon as I am in the black.

I really appreciate any feedback, opinions or suggestions for improvement! Thank you all for taking the time!

Today, with a heavy heart, I was again forced to reallocate my portfolio.

Sempra Energies $SRE (+0,59%) has now left my portfolio after a long time and a good dividend payout, after they withdrew from Mexico and the infrastructure sector (LNG terminals) and sold divisions.

Instead, I took advantage of the favorable prices for Nike $NKE (-2,87%) and used the setback in Mainstreet Capital $MAIN (-0,73%) to add to the portfolio to make up for the lost dividend yield.

I hope that wasn't a mistake...

The USA has had a permanent trade deficit for over 50 years. It imports more than it exports. Why is that? Because they have focused on high-tech. While other countries have built their factories for washing machines $WHR (-1,43%) sneakers $NKE (-2,87%) and tractors $DE (-2,56%) kept their factories running, the Americans preferred $MSFT (-1,53%) , $GOOGL (-2,9%), $NVDA (-2,11%) and $V (-2,26%) raised them. Technology instead of cheap production.

But: no world power can manage in the long term without industrial production. Trump now has three possible paths ahead of him:

1. introduce tariffs. Sounds like a heavy hand, but it often leads to less innovation and poorer quality because international competition is eliminated.

2. conclude trade agreements. In other words, deals that determine what is exported and imported, how much and where. More structured, but more laborious.

3. currency manipulation. Countries like Turkey or Denmark like to do this to boost their exports. For the USA, however, this is more difficult with the dollar as the world currency. If they start to manipulate it, everyone else will react too.

What is Trump doing instead? Exactly what he has always done: The big bluff.

With North Korea: threatening Rocketman as if he would flatten the whole country. Bluff.

With Gaza: the "hell on earth" rhetoric. Bluff.

With the Ukraine war: calling Zelensky a dictator and then a few days later pretending he never said anything. Bluff.

Now comes the next bluff. Against the EU. Against China. Against Jerome Powell.

He's playing the lunatic because that's how he understands the game. It worked in his reality show and it worked in the election campaign. He knows that if he goes crazy, everyone will stare at him spellbound. And that's enough for him to win. Chaos is part of his plan.

My conclusion: I won't be swayed by the fuss. I don't make investment decisions based on tweets and headlines. I'd rather take advantage of the weak dollar and keep buying

Here is also a suitable YouTube video: https://youtu.be/wIeTXYRajhw?si=NaVKDkc0xxDQtIwR

I was thinking of adding new positions to my stock portfolio.

With the market down and the euro/dollar at 1.13 compared to its historical 1.06-1.08 it seems like a good opportunity at least better than a few months ago 🤷‍♂️

After reviewing the market a bit I have thought of 4 stocks that I have in mind:

• $ACN (-3,2%) at 23.5 times earnings

A company that given its status will benefit directly from all the advances in artificial intelligence with great expectations of future growth a controlled debt and a good dividend (of around 2% and with a payout ratio below 50%).

• $NKE (-2,87%) at 17 times earnings

Although the financials are not particularly good it is an investment in the brand returning to what it was, Nike's situation has gone from bad to worse, but just as it happens when companies that grow in profits are exaggerated and their price grows even more than profits and so continuously, well it is happening the same but the other way around 🙃 Profits fall but the price falls more than profits do and that makes it a buying opportunity

• $MC (-1,83%) at 19 times earnings

I am not a big fan of luxury but this company has a historical average of a Per of 25 times, after the fall of the last year I do not rule out that it can continue to fall however the situation may change, it has a good dividend with a payout ratio of less than 50% and a clear growth expectation

• $META (-2,42%) at 21 times earnings

Although if you look at the average profits in the last 5 years the Per is much higher than now, I do not believe that profits tend to decrease, it is one of the leading technology companies and I have no doubt that it will eventually recover if not on its own merits by the thrust of the market in general.

Any more suggestions or anything important to keep in mind? Let me know 👇

Hi, I haven't been trading that long and am currently considering investing due to the current situation.

I already have my ETFs and wanted to try my hand at individual stocks. I have read up a bit and would have decided on:

Paypal (not affected by the tariffs and currently quite low)

$AAPL (-4%) (I'm probably a week too late, but I still see potential)

$NKE (-2,87%) ( also at a very low point right now, but is and will always be one of the largest sporting goods manufacturers)

$AMZN (-1,96%) ( could also fall further due to tariffs and the like and then gradually build up again)

What do you think, am I completely wrong here and have completely wrong ideas?

Should I rather concentrate on smaller players or maybe something completely different?

How would you do it and if in one of the above, which one?

I would be grateful for any advice :)

With a dividend yield of almost 3%, Nike has now become exciting and also has some potential for share price growth.