📈 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 (-0,76%) ) Tesla +33.20%

🟢 ($UNH (+1,29%) ) UnitedHealth +14.25%

🟢 ($D05 (+1,72%) ) DBS +12.94%

🔴 ($DTE (-0,03%) ) Deutsche Telekom -8.29%

🔴 ($TSCO (-2,13%) ) Tractor Supply -9.43%

🔴 ($TXN (-1,63%) ) Texas Instruments -10.30%

Dividends:

September 2025: € 203.56

September 2024: € 140.14

Change: +45.26%

Sales:

🟥 ($T (+0,91%) ) AT&T (27 shares) +36.05%

Purchases:

🟩 ($2318 (+0,12%) ) Ping An Insurance (150 pcs.)

🟩 ($UNP (-1,78%) ) Union Pacific (3 shares)

Savings plans:

• ($CTAS (-0,09%) ) Cintas (50€)
• ($MC (+0,74%) ) LVMH (50€)
• ($MSFT (-0,8%) ) 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?

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👋 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) (-0,28%) 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) (-0,23%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (-0,13%)

📈 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) (-0,09%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,01%)

- ₿ 200 € in Bitcoin ($BTC) (-2,67%)

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

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+0,24%) , $UNP (-1,78%), $RACE (+0,08%) , $MRK (-0,86%) , $MUV2 (-0,16%) , $DGE (+0,24%) , $DE (+1,76%) , $TXN (-1,63%) , $AWR (+1,08%) , $ADP (+0,97%) , $PLD (+0,25%) , $HEN (+0,04%) , $ITW (-0,48%) , $UNH (+1,29%) , $LLY (+0,53%) , $BEI (+0,51%) , $MCD (+0,58%) , $DTE (-0,03%) , $WMT (-0,18%) , $COST (+0,63%) , $WM (+0,2%) , $JPM (-0,18%) , $BLK (+0,26%) , $SY1 (+1,42%)

🔹 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!

$UNH (+1,29%)

Has anyone already received the dividends from UNH on Trade Republic?

The payout was supposed to have been yesterday...

Thanks! 🙏🏻

Hello GQ community,

Today I would like to give you an insight into the extent to which I use derivatives for my strategy. What experiences I have had and what mistakes I have also made and will therefore no longer trade in the future.

Of course, the same applies to derivatives as to shares. You have to achieve the highest possible return. That's why I primarily use turbo call or put derivatives when I expect prices to rise or fall sharply.

This is usually the case if there has previously been a strong exaggeration in one direction or the other from my point of view. I then bet on a short-term counter-reaction and trade in exactly the opposite direction.

Strict risk limitation is important here. So if things don't go in the right direction as desired, I get out very quickly because I don't want to risk a knockout.

It is also an opportunity to enter at the top or bottom of sideways phases. Many shares move up or down within limits over a longer period of time. A good example, which I have traded positively 4 or 5 times during this period, is $UNH (+1,29%) . It always moved back and forth between $250 and $325 for months. So I always took a short position near the upper limit, and when it went down again, I took a long position.

I find this a very effective and simple option, as you can also define the stop prices clearly and simply. If the share breaks out of these limits in one direction, it is sold, as it is then likely to move quite a bit further in the wrong direction and a total loss is imminent.

In sideways phases, I prefer to use inline OS. These bring pretty good returns if the shares move within certain ranges until expiry. They usually yield at least 80-120% within 3-4 months. I have also achieved 300% with them, but then you have to enter close to one of the limits with more risk. I like to use currency pairs for these bills. Preferably € to Swiss francs. They actually always work.

So now briefly to what I will avoid in future. I also have 3 long-dated normal OS. These were out of the money when I bought them, which means that the current price of the underlying asset is significantly lower than the strike price of the bill.

This promises high potential returns. However, as the bill has no or only a very low actual value, the share price has to rise sharply for the bill to move in the right direction.

Due to the long term, I have not been so consistent in my risk management and have let the certificates go too far into the red, so that I am now sitting on high percentage book losses in both cases and have to hope that the shares will still move strongly.

As I said in my last post, stick to your mindset, but question your strategy if it doesn't work out as desired. For me, the logical consequence of this is that I will no longer use derivatives in this way, but if I want to accompany a share with a derivative in the long term, I will use a KO certificate with lower leverage.

So that's it for today. I wish you all a positive trading day.

August wasn't so great for me either. But September is looking better so far...:) #rewind

The top 5 performers

$UNH (+1,29%) +20

$NOVO B (-0,74%) +16

$ENPH (-1,58%) +12

$LOW (-0,9%) +10

$8031 (-1,5%) +10