Following the rebalancing of the S&P Quality Aristocrats last Friday, the following stocks were removed from or added to my two ETF indices (50% weighting):

New additions:

$QDEV (+1,16%): $NOVN (-0,72%) , $REL (+0,71%) , $ITX (+2,12%) , $LSEG (+5,53%) , $DB1 (+1,75%) and more

$QUS5 (+1,39%): $BKNG (+1,85%) , $MRK (+0,93%) , $CRM (+0,54%) , $UNP (-0,85%) , $COR (+1,81%) , $CAH (+4,29%) and more

Kicked out of both indices and therefore according to S&P no longer Quality Aristocrats are among others: $BATS (+0,28%) , $7974 (-0,14%) , $HD (+0,78%) , $LOW (+0,27%) , $HLT (+0,63%)

In addition, the allocation of all individual stocks in the indices was reduced again to max. 5 % was limited.

Thanks to the recent rally of $$HY9H (+10,47%) my current top 10 weighting (ETFs+shares) is as follows:

3.48% Alphabet

3.04% SK Hynix

3.04% Broadcom

2.93% Meta

2.75% Microsoft

2.71% Apple

2.71% NVIDIA

2.55% Taiwan Semiconductor

2.13% Mastercard

2.08% Visa

New portfolio key figures:

P/E: 27.1 (<30) 🟢

Forward P/E: 21.1 (<25) 🟢

P/Β: 11.5 (<5) 🔴

EV/FCF: 28.7 (<25) 🟡

ROE: 42% (>15%) 🟢

ROIC: 19% (>15%) 🟡

EPS growth for the next 5 years: 15% (>7%) 🟢

Sales growth for the next 5 years: 9% (>5%) 🟡

My internal rate of return is currently 20.19%

📈 Performance:

S&P500: +2.80%

MSCI World: +2.60%

DAX: -0.09%

Dividend portfolio: +0.74%

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

🟢 ($TSLA (-2,01%) ) Tesla +33.20%

🟢 ($UNH (+1,11%) ) UnitedHealth +14.25%

🟢 ($D05 (-0,34%) ) DBS +12.94%

🔴 ($DTE (-1%) ) Deutsche Telekom -8.29%

🔴 ($TSCO (+0,44%) ) Tractor Supply -9.43%

🔴 ($TXN (-0,4%) ) Texas Instruments -10.30%

Dividends:

September 2025: € 203.56

September 2024: € 140.14

Change: +45.26%

Sales:

🟥 ($T (+2,36%) ) AT&T (27 shares) +36.05%

Purchases:

🟩 ($2318 (+1,43%) ) Ping An Insurance (150 pcs.)

🟩 ($UNP (-0,85%) ) Union Pacific (3 shares)

Savings plans:

• ($CTAS (+0,56%) ) Cintas (50€)
• ($MC (-1,19%) ) LVMH (50€)
• ($MSFT (+1,37%) ) Microsoft (25€)

What else has happened?

As announced, I asked the tax office to recalculate the advance payments. This was done and fortunately I no longer have to pay anything in advance.

If things go well, I'll even get some money back next year.

The bill for the car has also arrived and amounts to €1500. But that really pays for everything.

My nest egg has melted down to €900 and now I have to build it up again. Once again, the target is €10,000.

I was on vacation in Egypt from the end of September until last weekend. As always, it was super nice and just pure relaxation.

🥅 Destinations 2025:

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

Target achievement at the end of September 2025: 69.19%

How was your September?

If you liked the report and would like to read more, feel free to follow me,

If you're not interested, you can keep scrolling or use the block function.

👋 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) (+1,36%) 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) (+1,3%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,53%)

📈 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) (+1,59%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,79%)

- ₿ 200 € in Bitcoin ($BTC) (+1,25%)

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

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+1,75%) , $UNP (-0,85%), $RACE (+1,97%) , $MRK (+0,93%) , $MUV2 (+0,73%) , $DGE (+0%) , $DE (+1,27%) , $TXN (-0,4%) , $AWK (-0,26%) , $ADP (+0,64%) , $PLD (+0,73%) , $HEN (-0,27%) , $ITW (-3,53%) , $UNH (+1,11%) , $LLY (+1,12%) , $BEI (-1,19%) , $MCD (-0,55%) , $DTE (-1%) , $WMT (+0,28%) , $COST (-0,38%) , $WM (+0,24%) , $JPM (+2,87%) , $BLK (+1,07%) , $SY1 (+0,73%)

🔹 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!

Here's another little update on my hybrid portfolio!

The strategy is still the same as it has been since the beginning of my Journey🤝Growth and Dividends📈

I plan to buy the following stocks with my next salary:

$PG (-0,24%)

$NOVO B (+0,61%)

$HTGC (+2,44%)

$UNP (-0,85%)

All 4 candidates with about 300 euros

Good luck on your journey!

We are all wolves🐺

Took my first step today

I work on the tracks myself and I like the segment and the figures🙏

Your opinion?

Today I topped up a little on the following titles:

• $BATS (+0,28%) / $BTI (+0,34%)
• 
  $CCEP (+0,64%)
• 
  $UNP (-0,85%)

What's currently on your buy list? Have you bought anything recently?

#stocks
#buy