$CSPX (-2,9%)

$VUSA (-2,89%)

$CSPX (-2,9%)

$VUSA (-2,89%)

If I compare a share (e.g. $MBG (-2,03%) , example chosen because of relatively high returns (6-8% p.a.) at an "almost" constant price) against an index (or an index etf e.g $VUSA (-2,89%) ) benchmark. How is the dividend offset against the benchmark, or is it not taken into account? I assume this is not a comparison with a direct reinvest, is it?

Hi guys, what do you think of $JEGP (-1,17%) as an alternative to call money as I put some of the rental income aside and would otherwise take it as call money, but this variant makes more sense, the rest is invested in the $VWRL (-2,49%) or the $VUSA (-2,89%) so don't worry, it should really only serve as a substitute for overnight money :)

What do you think?

Have a nice evening everyone.

$XDWH (-0,81%)
$XLV (-0,59%)
$CSPX (-2,9%)
$VUSA (-2,89%)
$UNH (-6,32%)
$OSCR

According to Goldman Sachs, healthcare is the only sector in the S& P 500 that is cheaper than the 10- and 30-year averages.

This is an extremely attractive risk/reward ratio and the coming months will be exciting.

$ELV (-4,03%)
$CNC (-2,27%)
$DHR (-2,34%)
$SRT (-4,97%)
$LLY (+1,53%)
$NOVO B (+1,26%)
$NVO (+0,66%)
$ISRG (-1,69%)
$JNJ (-0,41%)
$ABBV (+1,88%)
$PFE (-0,64%)
$SAN (+0,47%)
$MRK (+0,15%)
$BMY (+0,34%)
$TMO (-3,46%)

The start of summer in June combined sport and leisure for me. By that I mean swimming, hiking, running and sport at home. Apart from the incoming dividends, I hardly noticed anything on the stock market. It was not the strongest distribution month due to the postponement of three distributions, but it was still a very strong one. Time for a review.

Overall performance

The portfolio tended to tread water in June, but that is no cause for concern. Bit by bit, it is fighting its way out of the lows of the customs conflict. And cash flow continues to be generated by distributions to the clearing accounts. The key performance indicators are:

• TTWROR (month of May): +0.19 %
• TTWROR (since inception): +65,45 %
• IZF (month of May): +2.47 %
• IZF (since inception): +10,21 %
• Delta: +€148.63
• Absolute change: +1,173.63 €

Share allocation & performance

Which shares performed particularly well in June? Which are at the top and which at the bottom of the rankings? Which were the biggest losers?

Size of individual share positions by volume

• Share: Share of total portfolio in % (securities account)
• $AVGO (-3,24%) 2.78 % (main share portfolio)
• $NFLX (-1,71%) 2.20 % (main share portfolio)
• $WMT (-1,13%) 1.71 % (main share portfolio)
• $SAP (-2,75%) 1.59 % (main share portfolio)
• $FAST (-1,65%) 1.55 % (main share portfolio)

Smallest individual share positions by volume:

• Share: Share of total portfolio in % (securities account)
• $SHEL (-1,49%) 0.44 % (crypto follow-on portfolio)
• $HSBA (-1,22%) 0.54 % (crypto follow-on portfolio)
• $TGT (-1,86%) 0.62 % (main share portfolio)
• $GIS (-1,74%) 0.63 % (main share portfolio)
• $CPB (-0,39%) 0.64 % (main share portfolio)

Top-performing individual shares

• Share: Performance since first purchase % (securities account)
• $AVGO (-3,24%) : +261 % (main share portfolio)
• $NFLX (-1,71%) : +198 % (main share portfolio)
• $SAP (-2,75%) +106 % (main share portfolio)
• $WMT (-1,13%) : +68 % (main share portfolio)
• $RSG (-1,27%) +47 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $DHR (-2,34%) -57 % (main share portfolio)
• $CPB (-0,39%) -42 % (main share portfolio)
• $TGT (-1,86%) -37 % (main share portfolio)
• $GIS (-1,74%) -36 % (main share portfolio)
• $NKE (-1,72%) -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.7% to 61.3%. This differs from the breakdown of my ETFs to equities savings plans (43% to 57%). Equities have performed better, which is due to the fact that I also include high-dividend ETFs in the ETFs.

Investments and additional purchases

Here is a brief overview of what I have invested in 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, with 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:

• Subsequent purchases/one-off savings plans as cashback annuity from refunds: € 32.32
• Automatically reinvested dividend by broker: € 7.25 (Function is only activated for an old custody account, as I want to control the reinvestment myself)

Additional purchases were made from other surpluses:

• Number of additional purchases: 2
• 25.00 € for $FGEQ (-2,18%)

There were no additional purchases from the components of my cashback pension (e.g. reimbursements from health insurance premiums, insurance premiums, shopping vouchers, etc.) this month.

If you would like to know how my cashback pension supplements my equity and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 152.30 (€ 179.04 in the same month last year). This corresponds to an increase of -14.94 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 31
• Number of payment days: 15 days
• Average dividend per payment: € 4.91
• average dividend per payday: € 10.15

The top payers are:

• $VNA (-0,77%)
• 
  $ARCC (-1,82%)
• 
  $TDIV (-1,44%)

My passive income from dividends (and some interest) mathematically covered 15.91% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +3.81 %
• Performance since inception: +79.49 %
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.19 %

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my passive income strategy. The first profits have already been realized and more will definitely follow. For me, crypto is a lever to turn play money into even more play money, which is then put into the solid distributors to make the income snowball grow bigger and bigger. New accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +0.19 %
• $VWRL (-2,49%) : +0.39 %
• $VUSA (-2,89%) : +1.24 %

Outlook and conclusion

I'm using the summer, which has already begun, not only for hiking, but also for city trips for my "non-financial" TikTok and Insta channel. I can often be found at one of the lakes near Leipzig, which were once created from the open-cast mining pits of the brown coal era. It's nice that the lunar landscapes have become a local recreation area. That's why I'm less active at the moment. That will certainly change again in the fall.

For now, I'm just enjoying life, and my money continues to work stubbornly and steadily for me in the background. Current events in the world and in politics don't interest me in the slightest. As I write this review, the first third of the summer will soon be over.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 You'll find regular posts there as well as the portfolio and budget review: @frugalfreisein

How did your June at the depot go? Do you have any tops & flops to share? Leave your thoughts in the comments!

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (-2,62%)
$IUIT (-3,79%)
$CSNDX (-3,26%)
$VWRL (-2,49%)
$VUSA (-2,89%)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (-1,44%) and also from $JEGP (-1,17%) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (-1,44%) and $JEGP (-1,17%) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

So far I have not looked into the currency risk, so my question to you is. Is it still worth switching to a hedged S&P at the present time?

As there will always be down phases in the market, I would rather switch now than in 20 years.

@Epi has pointed to the currency cycle several times recently, but it is not entirely clear to me whether we should be in the "downturn" or already at the bottom😬.

What are the negative aspects of a hedged S&P?

Higher TER? What else?

Which ETF would you suggest?

IE00B3ZW0K18 (ishare) $IUSE (-1,58%)

IE00BM67HW99 (Xtrackers) $XDPE (-1,55%)

Thank you for your answers.

$CSPX (-2,9%)
$VUSA (-2,89%)