Medium-term objective to buy positions in $MA (-0,34%) y $V (-0,14%) when they reach a more appropriate price

These are companies that have performed very well in periods of crisis and maintain stable and growing dividends and constant results.

To equalize the risk a bit, when I have my portfolio at full capacity it will be composed of:

60% Technology with Growth Potential

$GOOGL (+0,94%)
$NVDA (+2,01%)
$MSFT (-1,05%)
$META (-2,23%)
$AAPL (+1,34%)
$AMZN (+0,26%)
$ABNB (+3,68%)
$NFLX (+0,09%)

30% Well-performing companies in crisis with stable growth and dividends.

$WMT (-2,1%)
$MCD (-0,31%)
$ITX (+1,17%)
$MA (-0,34%)
$V (-0,14%)

10% Companies that can give good results in the long term and are going through temporary difficulties or companies that do not have profits because they reinvest everything in growth (riskier investments but with a higher possible return).

$BFIT (+0,23%)
$NKE (-6,85%)
$BMW (+0,87%)

Any ideas to contribute? 💡

My portfolio shows a breakdown into different sectors and areas:

trade Republic: the shares and ETFs

scalable Capital : the gold

This is just the portfolio I want to hold for the next few years with a long-term savings plan. And if necessary, individual purchases where the opportunity arises, I think I am now quite well positioned or what do you think of the portfolio.

Stocks that I would like to hold for the long term

• Technology:
• 
  $MSFT (-1,05%) Microsoft,
• $AAPL (+1,34%) Apple,
• $GOOGL (+0,94%) Alphabet,
• $ASML (-1,59%) ASML
• $NVDA (+2,01%) NVIDIA
• $TSLA (-4,58%) Tesla

• Consumer goods:
• $KO (-0,4%) Coca-Cola,
• $PG (-1,24%) Procter & Gamble,
• $MCD (-0,31%) McDonald's.

• Finance and insurance:
• $JPM (+1,21%) JPMorgan Chase,
• $ALV (-0,66%) Allianz,
• $V (-0,14%) Visa

• Real Estate:
• $O (+1,22%) Realty Income.

• Armor:
• $LMT (+0,94%) Lockheed Martin.

• Retail:
• $WMT (-2,1%) Walmart.

- Luxury:

$MC (-0,25%) LVHM

- Various areas:

- $8001 (-0,17%) Itochu

- Health

$JNJ (+0,03%) Johnson & Johnson

ETF as core overlaps are relatively unimportant to me in this area :)

- FTSE All World :

$VWRL (+0,18%)

-Global Quality Income:

$FGEQ (+0,06%)

and then as a supplement

$BTC (-1,48%) bitcoin

and gold $EWG2 (-0,3%)

Costco: Buy now ?

$COST (-1,09%) is similar to $WMT (-2,1%) is a real heavyweight in the retail sector and is known for its blatant business model: customers pay a membership to get low prices. As a normal consumer in Germany, I've never seen that before. This not only creates a strong bond with the customer, but also ensures stable and regular income. Costco remains strong, especially in uncertain times, because they have their costs under control and still offer good prices. Sure, the share is not cheap or has already risen very sharply, but good companies cost their price, don't they? In addition, there are good quarterly figures and solid growth, which could drive the share price further in the future. But there are few dividends. What do you think: should we get in?

The stock market year is drawing to a close.

Personally, I am more than satisfied, I was able to achieve a return of 41% and beat the market by around 10%. Of course, there were also a few bad purchases this year, but that's part of it.

The assets that performed best for me were $BTC (-1,48%)
$WMT (-2,1%)
$AVGO (+0,31%) . With Broadcom in particular, I was able to pick up a few more € in the last few days. :)

I would be interested to know how satisfied you are with this year?

Next year I expect a little less %😂But let's see, the goal is of course to beat the market again.

What are your goals and wishes for 2025?

I wish you a Merry Christmas and peaceful days with your loved ones.

Lg Flo🎅🏻

Walmart: buy or wait and see?

$WMT (-2,1%) Walmart is a real heavyweight in the retail sector and is present everywhere in the USA. The stock is considered to be stable and perfect for those who prefer safety to big risks. At least that's what I've read. I find it particularly exciting that Walmart is really stepping on the gas when it comes to e-commerce and looks better than most others in the States. They are also positioning themselves more strongly in terms of sustainability. Of course, competition like Amazon never sleeps, but Walmart is still very interesting. There are also regular dividends. They may not be spectacular, but they are solid. What do you think? Is it worth getting in now, or has the train already left the station?

$ELF (-0,44%) - Because it also reflects my opinion ✌️

Goldman Sachs with buy recommendation for $ELF (-0,44%) Target price USD 165; "One of the fastest growing and most disruptive players in the beauty space"

"We view ELF as one of the fastest growing and most disruptive players in the beauty space. The company's continued market share gains and growth momentum stand in sharp contrast to the slowing trends in the beauty category, particularly among mass retailers such as $TGT (-0,34%) , $WMT (-2,1%) and $ULTA (+0,22%)

As such, we expect the company to continue to deliver healthy sales growth driven by a disciplined, disruptive innovation strategy and breakthrough marketing techniques that resonate well with core Generation Z consumers. We see further upside internationally and believe the importance of this opportunity is underestimated. Our analysis suggests that one point of market share gain in the seven focus markets of $ELF (-0,44%) could increase ELF's sales growth by 4 percentage points.

In addition, we expect ELF's steady increase in EBITDA margin to translate into an EBITDA CAGR of over 20% (FY24-28), which should comfortably support EPS growth in the low to mid-20s. Finally, we believe that the current valuation of $ELF (-0,44%) is attractive given its strong fundamentals, which should lead to a further re-rating from current levels."

✌️🚀

Walmart $WMT (-2,1%)
impresses with strong business figures in the third quarter of 2024

Walmart Inc. once again delivered impressive results in the third quarter of 2024. The world's largest retailer recorded consolidated sales growth of 5,5 % to 169.6 billion USDwhile the operating result even increased by 8,2 % increased. The global e-commerce division grew by 27 %driven by strong demand for pick-up and delivery services and the marketplace business.

Financial highlights

• Sales growth: 5.5% (6.2% at constant currency)
• Operating result: +8.2% (+9.8% at constant currency)
• Adjusted EPS: USD 0.58
• Free cash flow: USD +1.9 billion year-on-year

Strategic successes

• Walmart U.S.: Sales growth of 5.0% thanks to broad strength in physical and digital channels. E-commerce increased by 22 %particularly through pickup, delivery and advertising.
• Walmart International: Net sales (in constant currency) increased by 12,4 %driven by markets such as Flipkart (India), Walmex (Mexico) and China. E-commerce sales increased by 43 % increase.
• Advertising business: Global advertising revenue grew by 28 %with Walmart Connect in the US and Flipkart in India being particularly strong drivers.

Outlook for FY25

Walmart is raising its forecast for the financial year 2025. Sales are expected to grow by 4,8-5,1 % and an increase in adjusted operating profit of 8,5-9,25 % at constant currency.

CEO Doug McMillon praised the performance of the employees and emphasized the importance of innovation and customer satisfaction:

"Our teams are successfully executing our strategy and providing customers with the value and convenience they expect."

Walmart impressively demonstrates how the combination of physical retail, digital transformation and innovation can generate sustainable growth.

Source: https://stock.walmart.com/home/default.aspx

+++ News: Heated mood around US health insurers +++

The shares of well-known insurance companies such as $UNH (+1,64%) but also those of competitors $ELV (-0,76%)
$HUM (-2,08%) and $CI (+0,21%) have fallen surprisingly this week. Although the losses are limited, the reasons for this are more than just shocking.

As I reported earlier, the CEO of United Healthcare's insurance division was the victim of a targeted assassination. While the police are now investigating at full speed, the perpetrator is currently the target of downright hero worship on social media. The assassin is repeatedly equated with characters from pop culture such as Batman, Robin Hood or John Wick.

Insults against the victim and his family are also liked and shared thousands of times. It is not just the viciousness of the comments that is frightening - but the fact that, as is so often the case in such instances, the platforms simply let them stand.

Insurers' shares are currently falling because there are fears that there could be further murders of insurance employees. The management of the major insurance companies is alarmed and has hastily removed photos and other personal data of their "C-level executives" from their websites.

Commentary and classification: After the failed assassination attempt on Trump, I'm hardly surprised at the kind of people we're dealing with here. The same people who talk about democracy and human rights in every other sentence are the same people who are now calling for the assassination of their ideological opponents once again. Even a good ESG score doesn't help United Health against so much hatred.

From a purely shareholder perspective, this charged sentiment towards the banking and insurance sector is $JPM (+1,21%) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (-2,1%) pharmaceuticals $PFE (+1,49%)
$CVS (+0,57%) consumer goods manufacturers $KVUE (-0,53%)
$BATS (-0,24%) defense companies $LMT (+0,94%) etc. could soon find themselves in the crosshairs.

If you really want to be absolutely sure of being invested in a politically correct way, simply put your money in Northvolt and make a 90% loss. This also ensures that you can "eat the rich" can no longer be meant.

The gray November showed what it can do. Rain, clouds, cold and wet. It was just the perfect weather for me to go hiking and ice bathing. Especially in the second half of the month, the temperatures headed towards freezing point. I was finally able to hike and ice bathe in temperatures that were perfect for toughening up. So while I was trudging through Saxon Switzerland in the first decent snow from sunrise to sunset and bathing in ice water at 1°C for two proud minutes, on the other side of the pond the newly elected president unleashed the "Trump wave", which lifted all our deposits and wallets. Time for a look back.

I present the following points for the past month of November 2024:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ WHAT IS REALLY IMPORTANT

➡️ OUTLOOK

➡️ Shares

$AVGO (+0,31%) , cooled off in terms of performance in the past month. Of course, its +169% is impressive, but the positions behind it are not sleeping. $NFLX (+0,09%) is close behind with +151%. This also applies to the volume invested. It's hard to believe that the streaming giant is doing so well. I didn't think the company would see such rosy times again. All due respect! Together with Netflix, it is also $WMT (-2,1%) in terms of volume and is already at +89% in terms of performance. I would hardly have expected such a boring business model to deliver such a stable performance. At the lower end $DHR (+0,77%) Dick is still in the red. For me, this is still the result of the unbundling. $NKE (-6,85%) and $TGT (-0,34%) have problems with their business figures and $OR (-0,71%) certainly also. I would be happy to add to this, if only I had significantly large sums to spare.

➡️ ETFs

I'll spare myself the typical "everyone has to have this" blah-blah-blah this time and my $VWRL (+0,18%) is the heavyweight of my entire securities portfolio at 13.41%. You know what I mean. The only thing I have to say is that financial education in Germany is still inadequate and something needs to be done about it. Now one party is stating in its platform that capital gains should be taxed as a secondary type of income like a main type of income. Such a demand is simply the result of a lack of financial education and - excuse my language - stupidity. For me, this party is absolutely unelectable. But that goes beyond the scope. Politics does not belong in my program, but perhaps there will be a separate post here about why I am ultimately an absolute fan of the capital gains tax - simple flat tax. Hopefully, more and more young people will join the capital markets and use their votes to ensure that left-wing non-performance-related blah-blah-blah will soon be a thing of the past. Because we must not leave Germany behind.

➡️ Dividends

I received 19 distributions on 8 payout days in November. I am grateful for this additional income stream. My minimum target has been met again. Even in this low-distribution month. I can therefore now safely increase the size of the reinvestment of the distributions. From next month, €105 will be reinvested instead of the planned €80. I have already explained how my reinvestment strategy works in a separate article. The snowball rolling down the slope is getting bigger and bigger.

➡️ Cashback

In November there was a small payout from the health insurance bonus program. Otherwise the month was poor in terms of cashback. But that will come again in December.

➡️ Subsequent purchases

Two small additional purchases were made to boost the cash flow in my old portfolios On November 7 and 8, small sums went into the $GGRP (-0,09%) and $SPYD (-0,29%) .

➡️ P2P loans

I want to continue to cut back and get rid of the two remaining platforms. Only Mintos and Peerberry are left. There has been no interest for a long time.

This asset class will soon be history for me

➡️ Crypto

Wow! What a month. The red Trump wave has really boosted my crypto portfolio. Can you still remember the days when $BTC (-1,48%) were bobbing around at under 70K? The price level was totally unusual. I'm wide awake now and haven't just been on the sidelines for a long time. I regularly check the prices and a few indicators. The first limit orders were already triggered at $xrp in November. At USD 1.10, this token was kicked out of my portfolio. Of course I could have done more, but I went home with a good profit. As I write now, the next limit orders will be triggered soon. I described how my strategy works, what assumptions I make and where I see the exits in great detail in two posts earlier this month. As of now, no subsequent dividend stock or dividend ETF has been bought from the proceeds, from whose dividends the additional purchases will be made in the new bear market. But I am sure that this will happen this year.

➡️ What is really important

Thanks to the automation of long-term wealth accumulation, there is enough time to focus on the important things in life. Because the end of it is sure to come.

With a healthy lifestyle, I want to delay the end as much as possible. And yet I'm currently thinking about who I want to leave my estate to at some point. It certainly won't be the state, it's already cashing in well on taxes. Regular readers can now imagine who might be in my favor. I'll have to deal with the subject of wills at some point. In any case, I want to sort it out somehow when I'm young, even if it's subject to change.

At the end of the month, I spent time with the kids again, whose father I would have liked to have been myself. The older one has now reached an age where she's slowly beginning to realize that she's not growing up in such good financial circumstances. After I made a firm commitment to her during our trip to Berlin to support her with her dreams and her future, I also took action. It is important to me to introduce the child to financial education step by step. My principle is not to encourage and challenge at the same time. Let's see how well I succeed, I'm certainly very optimistic.

➡️ Outlook

Why I have dollar signs in my eyes when I see my utility bill and where I'm donating some of my earnings in December, as well as the further course of my implemented crypto strategy, will be revealed in December. In any case, the month is full of excitement, as 2 more cryptocurrencies will soon be released from my wallet.

Links:

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

Dividends the gift of companies

Dear investors

Today's question is which dividend stock is the high flyer?

The shares are different in different areas, i.e. is the share a growth share or a dividend share.

These are the two comparisons with the characteristics. This means that if I want to have a dividend portfolio, I have to choose the dividend stocks. The dividend yield is a characteristic of the share. I should pay attention to this when it approaches the double-digit yield figure, whether this pays off positively is questionable as it has to decide whether to pay out the yield and go into debt or whether to let the yield fall to compensate for the losses.

The companies that achieve a constant yield distribution are obviously becoming safer year after year, but the royal companies have a 50-year dividend payout.

But the past is not the future.

So I would concentrate on the steady development of the share price and check whether the development is positive. The motivation is to be self-aware and prove my abilities. So I know how it works with investing in my own research of the market. The feeling of movement is an up and down of emotions and it is like a betting ticket only that it is not a matter of winning or losing after 90 minutes but it is only over when I sell the share again and then I know whether I have won or lost.

If I want to win, I simply have to have time and decide whether to take the short profit or whether I have more time and short-term fluctuations don't cause panic. Then I let the right stock pay dividends until the end of the success.

My personal favorites are:

1 $Coca-Cola

2$PG (-1,24%)

3$JNJ (+0,03%)

4$NESN (-0,19%)

5$MCD (-0,31%)

6$BLK

7$MSFT (-1,05%)

8$WMT (-2,1%)

9$XOM (-0,4%)

10$V (-0,14%)

These are some pretty stable companies.

Which company is your best dividend stock?

Let me know which one you favor ✌️

Don have a great time during the rest of the year and enjoy the good things in life 🫶🎄⛄️🧘📊🆕🎆