$PEP (+0,09%) with +/-0 thrown out of the depot, and $O (+0,08%) and also $PG (+2,01%)
Discussione su O
Messaggi
722
18H·
Depot reduction
Good evening to the community,
I need a few opinions from you on downsizing.
at the moment there are 40 individual stocks + 1ETF in my portfolio.
I would like to minimize the existing positions to around 30 and then also increase my cash holdings.
The final list includes
$O (+0,08%) , $MRK (-0,07%) , $PG (+2,01%) , $LIN (+0,65%) , $PEP (+0,09%)
during the selection process I realized that I only picked out the "defensive stocks".
This would mean that my portfolio would then only consist of "tech stocks".
That's why I'm wondering how best to handle it to avoid a "cluster risk".
How do you personally deal with this?
What would be the alternative?
What else would you have on your final list?
I'm looking forward to the exchange!
Greetings go out to the community ✌️
41Posizioni
217.899,46 €
36,46%
99
2 Commenti
Very nice portfolio, many top titles in it!
Sell the five you mentioned, I don't think you need so many sales.
What are you planning for the future, increasing individual stocks, adding more?
Sit down again between Christmas and New Year's Eve and see where you see further potential or what to get rid of.
All in all, top portfolio ☝🏼
Sell the five you mentioned, I don't think you need so many sales.
What are you planning for the future, increasing individual stocks, adding more?
Sit down again between Christmas and New Year's Eve and see where you see further potential or what to get rid of.
All in all, top portfolio ☝🏼
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22
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1G·
Sell LVMH?
Greetings,
I have been in the red for several months now. Now I am back at my EK & have always gladly accepted the dividends... :)
Now I'm thinking about selling LVMH & putting the money into another dividend stock. I have stocks in mind like $O (+0,08%) or $WM (+0,35%) What do you think? The investment amount is around €10,000.
Best regards
5Posizioni
118.360,39 €
7,20%
66
23 Commenti
I don't know how well diversified you already are. If that's not the case, I would take the opportunity to start with exactly that. 10k is a good place to start.
If you - like me 70% - are building a dividend portfolio (rest growth 10% and ETF 20%), here is my approach in brief:
Personally, sustainable quality is important to me. That's why I apply the following criteria to every value. Please don't focus on dividend yields!
1. payout ratio (POR) --> <75% (über drei Jahre hinweg; 1 Punkt)
2. Verschuldungsgrad --> <200% (über drei Jahre hinweg; 1 Punkt)
3. Dividendenwachstumsrate (Dividend Growth Rate DGR) -->>6% ideally over 1,3,5,10 years (up to 4 points)
4. return on sales --> >5% (over 3 years; 1 point)
5. equity ratio --> >=30% (over 3 years; 1 point)
6. return on equity (RoE) --> >=15% (over 3 years; 1 point)
7. free cash flow margin (FCM) --> between 5% and 30% (over 3 years; 1 point))
8. Annual earnings growth --> 8%-12% (over 5 years; 1 point)
Makes a maximum of 11 possible points.
9. add the total return (price gain + dividend), it should be >10% for 1, 3, 5 and 10 years, we want to beat the inflation rate properly (maximum 4 points).
This makes a maximum total of 15 points.
Note: The criteria values differ slightly depending on the sector; for example, REITS are legally obliged to distribute up to 100% of their profits. Or in the capital-intensive Materials sector, the maximum pay-out ratio should be low (these companies need a lot of capital for their investments).
Let me give you my favorites per sector (score is calculated with the adjusted criteria of the sector).
Materials (4%)
$CRH (14/15)
$LIN (14/15)
$HILS (14/15)
Communication (10%)
$DTE (12/15)
$KPN (12/15)
Consumer Discretionary/Cyclical (6%)
$WSM (15/15)
$HD (12/15)
$9956 (12/15)
$TXRH (14/15)
Consumer Staples (5%)
$CCEP (15/15)
$MDLZ (13/15)
Energy (5%)
$MPC (14/15)
$CNQ (13/15)
$DR0 (13/15)
Financial / Insurance (23%)
$HSBA (13/15)
$ALV (14/15)
$MUV2 (13/15)
$NN (13/15)
$TLX (13/15)
Healthcare (10%)
$ABBV (10/15)
$DGX (13/15)
$UNH (10/15)
Industrial (15%)
$6301 (15/15)
$FAST (13/15)
$SNA (14/15)
$WSO (13/15)
Technology (8%)
$MSFT (15/15)
$AVGO (13/15)
$QCOM (13/15)
$APH (14/15)
REIT (6%)
$VICI (13/15)
$PLD (13/15)
$O (7/15) ---> I would never buy
Utilities (8%)
$NEE (14/15)
$WM (14/15)
$WEC (15/15)
$LNT (14/15)
Hope it helps.
If you - like me 70% - are building a dividend portfolio (rest growth 10% and ETF 20%), here is my approach in brief:
Personally, sustainable quality is important to me. That's why I apply the following criteria to every value. Please don't focus on dividend yields!
1. payout ratio (POR) --> <75% (über drei Jahre hinweg; 1 Punkt)
2. Verschuldungsgrad --> <200% (über drei Jahre hinweg; 1 Punkt)
3. Dividendenwachstumsrate (Dividend Growth Rate DGR) -->>6% ideally over 1,3,5,10 years (up to 4 points)
4. return on sales --> >5% (over 3 years; 1 point)
5. equity ratio --> >=30% (over 3 years; 1 point)
6. return on equity (RoE) --> >=15% (over 3 years; 1 point)
7. free cash flow margin (FCM) --> between 5% and 30% (over 3 years; 1 point))
8. Annual earnings growth --> 8%-12% (over 5 years; 1 point)
Makes a maximum of 11 possible points.
9. add the total return (price gain + dividend), it should be >10% for 1, 3, 5 and 10 years, we want to beat the inflation rate properly (maximum 4 points).
This makes a maximum total of 15 points.
Note: The criteria values differ slightly depending on the sector; for example, REITS are legally obliged to distribute up to 100% of their profits. Or in the capital-intensive Materials sector, the maximum pay-out ratio should be low (these companies need a lot of capital for their investments).
Let me give you my favorites per sector (score is calculated with the adjusted criteria of the sector).
Materials (4%)
$CRH (14/15)
$LIN (14/15)
$HILS (14/15)
Communication (10%)
$DTE (12/15)
$KPN (12/15)
Consumer Discretionary/Cyclical (6%)
$WSM (15/15)
$HD (12/15)
$9956 (12/15)
$TXRH (14/15)
Consumer Staples (5%)
$CCEP (15/15)
$MDLZ (13/15)
Energy (5%)
$MPC (14/15)
$CNQ (13/15)
$DR0 (13/15)
Financial / Insurance (23%)
$HSBA (13/15)
$ALV (14/15)
$MUV2 (13/15)
$NN (13/15)
$TLX (13/15)
Healthcare (10%)
$ABBV (10/15)
$DGX (13/15)
$UNH (10/15)
Industrial (15%)
$6301 (15/15)
$FAST (13/15)
$SNA (14/15)
$WSO (13/15)
Technology (8%)
$MSFT (15/15)
$AVGO (13/15)
$QCOM (13/15)
$APH (14/15)
REIT (6%)
$VICI (13/15)
$PLD (13/15)
$O (7/15) ---> I would never buy
Utilities (8%)
$NEE (14/15)
$WM (14/15)
$WEC (15/15)
$LNT (14/15)
Hope it helps.
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33
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2G·
Milestone reached: €10,000 in the custody account 🎉
Today, my portfolio broke through the €10,000 mark for the first time.
I've been active on the stock market since the end of 2022, i.e. since the start of my training.
I'm really glad that I started looking into investing back then.
Not only do I enjoy it, but it has also completely changed the way I deal with money and my view of wealth accumulation. 📈
Of course, not everything went perfectly at the beginning.
I often swapped back and forth, sold or bought shares due to short-term fluctuations and sometimes just traded on instinct.
As a result, I also had quite high fees in the first year.
But I learned a lot from that.
I now have a clear strategy that suits me well:
Buy & Hold invest for the long term and give companies time.
Here are two more suitable quotes:
As Buffett said: "Our favorite holding period is forever."
Or as Graham said: "In the short run, the market is a voting machine, but in the long run, it is a weighing machine."
My savings plans:
ETF:
- Vanguard FTSE All-World ($VWRL (+0,23%) )
- Fidelity Global Quality Income ($FGEQ (+0,6%) )
- iShares Physical Gold ($IGLN (-2,02%) )
Equities:
- Microsoft ($MSFT (+0,28%) )
- Apple ($AAPL (+0,44%) )
- Visa ($V (+0,2%) )
- Coca-Cola ($KO (+0,06%)
Alliance ($ALV (-0,51%) )- Realty Income ($O (+0,08%) )
Crypto (small share):
- Bitcoin ($BTC (+1,4%)
Ethereum ($ETH (+3,06%) )
I am very happy about this first milestone and will stay on the ball. 🚀
After everything that's happening on the stock market, it's quite possible that my portfolio value will soon fall below €10,000 again. But that's just part of it. 📉
12Posizioni
10.006,05 €
10,73%
5G·
RioCan
Over 5% dividend yield, monthly payout 🇨🇦
RioCan REIT $REI.UN (-0,02%) earns from shopping centers & residential projects in prime locations - stable tenants, steady cash flow, real dividend power.
Share price weakening? No matter. Rent still comes in. 😎
👉 5% from Canada or would you prefer $O (+0,08%) from the USA?
22
6 Commenti
Share price negative over 20 years, payout ratio of 126% and negative dividend growth over 5 and 10 years.
I can think of more lucrative investments.
I can think of more lucrative investments.
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1616
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6G·
Main porfolio changes
SELLING:
$500 (+0,51%) S&P500 ETF - selling at +15,06%🟢
$UST (+0,49%) NASDAQ100 ETF - selling at 18,63%🟢
$MFC (+0,23%) Manulife Financial - selling at -7,12%🔴
$CS (-0,75%) AXA - selling at +30,34%🟢
$ADC (+0,17%) Agree Realty - selling at -8,68%🔴
Reasons:
• I’m out of the ETFs, I stopped adding to them months ago but now I’ve decided to kill my positions, as I think we’re in a phase where a very short list of names are moving them, and since that is the case I prefer to choose exactly what companies I want to be invested in.
•Exiting Manulife as it has lost momentum and has been trading sideways for a year, earnings estimates for the following years are ok but not amazing and I wanted to focus my investments on insurers with $ALV (-0,51%) that has been performing better. Also exiting $CS (-0,75%) even though I like its valuation. Again I want to focus in just 1 insurer and I prefer not to be particularly exposed to France.
•Sold $ADC (+0,17%) as again I want to focus on 1 name on the REITT sector, and that is $O (+0,08%) . The biggest, still growing, strong, and reliable. I do think REITTS will perform better in the coming months once interest cuts start materializing. Realty Income’s yields are higher than usual and I don’t see the stock going down, with potential for appreciation and nice monthly dividend.
BUYING:
$DELL (+1,9%) adding more to my position
$ALV (-0,51%) Allianz adding more to my position
$GRF (-0,88%) Grifols adding more to my position
$PUIG (-1,2%) adding more to my position
$SSRM (-2,83%) SSR Mining new addition to my portfolio
$GSL (+0,2%) Global Ship Lease new addition to my portfolio.
$9999 (+0,79%) NetEase (ADR) new addition to my portfolio.
Ressons:
•I’m growing the positions I’m confident in, and I belive that Puig, Grifols and Dell are undervalued, all of them are growing strong, with Puig having lost half of its market cap since IPO but growing net income, revenue, and maintaining good revenue forecasts (7-8% annual). Grifols has been performing well, but it is far away from its all time highs and I think that their dominant position, their US exposure (with plasma centers built in the country) and their growing market, are all combined with operational and financial improvements, factors that should help the stock run higher sooner than later… and Dell… probably the only AI player with a P/E close to 20.
•My new additions follow my usual logic for picking… good momentum, good growth prospects, and correct valuation.
Global Ship Lease has a ridiculously low P/E, high dividend with low payout, nice balance sheet that has improved a lot in recent years (deleveraging) and well the macro is not amazing for them (trade wars, end of Gaza war…) but they have a very nice backlog for the next 2 years.
SSR Mining is a gold miner with no debt, long term cost effective gold mines, nice production growth prospects and an amazing momentum linked to golds nice performance. Even if gold price went down a but, I see it as a good investment. I took the oportunity to buy today as it was falling 10% after news of a possible meeting Trump-Putin that affected gold price.
Finally NetEase, mobile gaming Chinese company with low valuation, nice growth projected, zero debt, cash, and a growing market and macro improvement in Chinese regulation. I wanted some exposure to China and I got it with NetEase.
55
2 Commenti
Agree Realty is growing faster than Realty Income and has way less debt, don't just chase yield and look at the long term.
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1Settimana·
Inspiration needed
Hello everyone,
I have cleaned up my portfolio a bit and trimmed it to 30 positions (please ignore the very small positions, it is more expensive to sell them than to keep them). The different ETFs on msci, msci em, dax and NASDAQ are due to historical reasons (sub. Deposits, change from synth. To physical replication, too many taxes with complete change). At the end of the year I will sell the 2 DWS old funds and then have the tax refunded promptly --> grandfathering. I just don't know where to switch to.
I am currently saving:
$TDIV (-0,33%) 250/m
$IWDA (+0,29%) 600/m
$IEMA (+0,2%) 250/m
$EQAC (+0,49%) 250/m
$ALV (-0,51%) 50/w
$KO (+0,06%) 50/w
$PEP (+0,09%) 50/w
$UNH (+0,12%) 50/w
$V (+0,2%) 50/w
$ULVR (+0%) 50/w
And I reinvest the dividends from $O (+0,08%) and $MAIN (+0,11%) monthly
I try to have all positions that I want to hold long-term at 2-4 percent (exceptions: ETFs, $EWG2 (-0,87%) and $BRK.B (+0,07%) )
At the moment semiconductors ($AMD (+0,9%)
$PLTR (+0,33%)
$MU (+2,2%) and $MPWR (+1,08%) ) are my "yield positions", which I would like to sell if the price continues to rise.
But at the moment I'm lacking inspiration. What is my portfolio missing in the long term? Which themes could I "play" to achieve short-term returns. Or just leave everything as it is.
I would be grateful for any opinions.
Greetings 👋
38Posizioni
453.732,59 €
49,26%
99
14 Commenti
1Settimana
If you are interested in dividends, I would invest more in the UK, Germany and Australia - at least if the US stocks only pay a 3-4% dividend. 15% is always lost in taxes, so you can also take reasonably good, cheap stocks such as telecoms etc. that have similar dividends - without any taxes. In fact, "growth" stocks with 3-4% dividends (e.g. Linde, Allianz, Siemens) - general insurance companies and utilities - are both quite stable in price and have good dividends. In my view, such shares have a better overall return in the long term.
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33
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2Settimana·
Question to the community - Dividend
Hello everyone,
I follow the dividend strategy with the majority of my portfolio. The issue of taxes on dividends hurts considerably.
As I don't intend to spend the money or my investments, I thought I would invest in stocks such as $O (+0,08%) or $VZ (+0,32%) from my portfolio and buy them back from my child. I'm in the red anyway. However, I could use the children's tax-free allowance to avoid taxes. There is withholding tax, of course, but at least it's 12% less.
Does this make sense from your point of view, i.e. does my logic make sense? To be honest, I'm afraid of selling a security and then buying it again straight away. The price of REITs does not fluctuate very much.
I look forward to your suggestions and experiences. Thank you very much.
22
13 Commenti
2Settimana
Why hold the high dividend stocks at all if you don't plan to spend the dividends in the foreseeable future? Why not buy something that is more tax-efficient and offers more long-term growth instead?
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55
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2Settimana·
Dividend September 2025
Dividend received September 2025
How much dividend did you receive?
www.youtube.comDividend uit mijn beleggingsportfolio. 12 Paychecks in September + Portfolio ALL TIME HIGH
11
3Settimana·
Dividend versus growth
I've now dumped my Realty Income position on my head in order to increase my $ABBV (+0,25%) position to 10 shares. I expect AbbVie to perform better than the Reit over the next few years.
Sales will probably continue to be driven up mainly by Rinvoq and Skyrizi. I'm slightly biased because I'm a Skyrizi patient myself, but objectively I think it looks good thanks to all the new approvals for other diagnoses.
AbbVie to the Mooon :)
88
14 Commenti3Settimana
I will soon (have to) do the same as an Austrian, the value is fiscally unacceptable and generally reits and bdcs
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22
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