Midsummer should be in full swing in July, but summer prefers to take a breather. While the temperatures outside were rather cool for most of July, which fortunately didn't keep me from swimming and hiking, it was hot in the depot. Time for a look back.

Overall performance

In July, the portfolio made a significant leap upwards, possibly due to further crypto adoption, good labor market data, robust quarterly reports and a further decline in inflation in a positive environment. The big icing on the cake is of course the continued incoming cash flow from dividends and distributions. My key performance indicators are:

• TTWROR (month of July): +3.82 % (previous month: +0.19 %)
• TTWROR (since inception): +72,72 %
• IZF (month of July): +46.14 % (previous month: 2.47 %)
• IZF (since inception): +10,87 %
• Delta: +€2,468.62
• Absolute change: +€3,677.52

Performance & volume

Size of individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (securities account)
• $AVGO (+3,66%) 2.98 % (main share portfolio)
• $NFLX (+0,38%) 1.92 % (main share portfolio)
• $WMT (-0,08%) 1.72 % (main share portfolio)
• $FAST (-0,48%) 1.64 % (main share portfolio)
• $SAP (-0,17%) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (custody account)
• $SHEL (-0,04%) : 0.44 % (crypto follow-on portfolio)
• $NOVO B (-0,73%) 0.45 % (main share portfolio)
• $HSBA (+1,18%) 0.53 % (crypto follow-on portfolio)
• $GIS (-1,89%) 0.60 % (main share portfolio)
• $TGT (-1,21%) 0.64 % (main share portfolio)

Top-performing individual stocks

• Share: Performance since first purchase % (securities account)
• $AVGO (+3,66%) +299 % (main share portfolio)
• $NFLX (+0,38%) +174 % (main share portfolio)
• $FAST (-0,48%) +86 % (main share portfolio)
• $SAP (-0,17%) : +83 % (main share portfolio)
• $MAIN (+1,24%) +82 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $GIS (-1,89%) -33 % (main share portfolio)
• $TGT (-1,21%) -30 % (main share portfolio)
• $NOVO B (-0,73%) -27 % (main share portfolio)
• $UPS (-0,89%) -24 % (main share portfolio)
• $CPB (-1,56%) -23 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

• ETFs: 38.3 %
• Equities: 59.0 %
• Crypto: 2.60%
• P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Repurchases/one-off savings plans as cashback annuities from refunds: € 70.77
• Subsequent purchases from other surpluses: € 135.00
• Automatically reinvested dividends by brokers: € 4.04 (Function is only activated for an old custody account, as I control the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 61.96 € for $SPYD (-1,31%)
• 
  58.00 € for $GGRP (-0,09%)
• 
  90.00 € for $JEGP (-0,46%)

If you want to know how my cashback pension tops up my share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 222.47 (€ 93.27 in the same month last year). This corresponds to an increase of +138,52 % compared to the same month last year. The following are further key figures on the distributions:

• Number of dividend payments: 28
• Number of payment days: 12 days
• Average dividend per payment: € 7.95
• average dividend per payment day: € 18.54

The top payers are:

• $ISPA (-0,19%)
• 
  $VWRL (+0,54%)
• 
  $VHYL (+0,2%)

My passive income from dividends (and some interest) mathematically covered 27.12% of my expenses in the month under review.

Crypto performance

My crypto investments have also moved:

• Monthly performance portfolio: +9.49
• Performance since inception: +114.72 %
• Proportion of holdings for which the tax holding period has expired: 98.55%. Accordingly, there was one subsequent purchase in the month under review $ADA (-0,37%) ).
• Crypto share of the total portfolio: 2.60 %

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +3,28 %
• Vanguard FTSE All World Dist ETF: +5.23 %
• Vanguard S&P 500 Dist ETF: +6.41 %

Outlook and conclusion

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

👉 You want my review as an Instagram post?

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📲 In addition to the portfolio and budget review, you'll also find regular posts there: @frugalfreisein

👉 How was your July at the depot? Do you have any tops & flops to report?

Leave your thoughts in the comments!

Today I have changed my position in Cardano (ADA) sold.

📉 Reason: Cryptocurrency with high risk and currently lower prospects for me compared to other projects.

💰 Use of funds: Reinvestment in Ethereum (ETH) as a more focused crypto satellite position.

My goal remains: Less scattered positions, more concentration on selected core investments.

$ADA (-0,37%)

Hi, so far I only have $SOL (+1,09%) in the portfolio and want to add another cryptocurrency... Do you think it would make sense to open a Cardano position now?

Or do you think I should rather build up a "core" with $BTC (-0,63%) build up?

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 (-0,45%)

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$ADA (-0,37%) and some small change ended up in Dogecoin$DOGE (-0,11%) . 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!

$ADA (-0,37%)

Servus,

I am thinking about building up a Cardano position. I am currently relatively well positioned in crypto with 50 $SOL (+1,09%) relatively well positioned, but also want to add a second currency. That's why I'm considering possibly adding 2000-3000 Cardano.

What do you think of the idea? What suggestions do you have for which cryptocurrencies would be worth investing in at the moment?

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$NVDA (+1,88%)
$TSLA (-0,9%)
$BTC (-0,63%)
$SOL (+1,09%)
$ETH (-0,15%)
$XRP (-1,5%)
$ADA (-0,37%)
$COIN (-0,56%)
$MSTR (-1,71%)
$HOOD (+0,31%)
$PYPL (+0,71%)
#starlink
#spacex
#nasdaq
$AAPL (+0,24%)
$SPOT (-0,84%)
$GOOGL (+1,89%)
$GOOG (+1,87%)

Two days ago, I sold 78% of my #ada taking advantage of the brutal rise after Trump's words. With this operation I had a return of 100%. I am keeping some more coins in case the price reaches 1'5$ or more.

My goal in cryptocurrencies is to always close with profits, so far I'm doing well ✅.