to the alliance $ALV (+0%)

Have fun reading :)

https://steady.page/de/finanzen-anders/posts/d04e2c60-566e-4fb5-96a3-33bfd48a8e92

After buying a put on silver on the 26th (price: EUR 2.10, DE000GV1KN65), I sold the first tranche on Friday at EUR 5.16 and the second tranche today at EUR 9.50. I still hold just under a third of the position. I still hold just under a third of the position.

If it goes below 70 euros today, I will probably sell the rest.

It's quite possible that it could go down even further. But due to the implied vola, the bond is very expensive without it and I don't want to run into a situation where small upward movements cause the bond to drop like a stone.

I immediately invest the profit in more $ALV (+0%) to push my portfolio a little more into dividends again.

I wish you all a successful trading week!

$PLTR (-0,18%)
$GOOGL (+0,42%)
$AMZN (+0,38%)
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$RMBS (+0,6%)
$AMD (+0,77%)
$PEP (+0,11%)
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$ADM (-0,12%)
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$LLY (+0,47%)
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$TEAM (+0,06%)
$EL (+0,22%)
$SYM (+0,2%)
$DIS (+0,22%)
$PYPL (-0,28%)
$CMG (+0,22%)
$ALV (+0%)
$LIN (+0,15%)

Which figures do you pay particular attention to?

Salvete, investors!

My name is Automatix - the name says it all.

Like my namesake from the Gallic village, I prefer to focus on craftsmanship, substance and consistency rather than magic potions or short-term success.

I'm 37 (turning 38 this year) and have only been actively investing in the capital market since the end of 2024 - a pretty bumpy journey so far

But my goal has now become clear to me:

long-term wealth accumulation with a focus on dividends.

I am aware that it is ambitious - perhaps even unrealistic - to live entirely from dividends one day.

But it is precisely this idea that drives me, not my promise.

Professionally, I have been working full-time for a large German tech company for 15 years.

Here I have worked my way up from the very bottom - call center supporter to key account manager to my current position as senior project manager - so structured work, long-term thinking and risk assessment are part of my everyday life.

At the same time, I run a family farm as a sideline

• approx. 80% horse boarding (yes, I also ride 🏇)
• approx. 20 % forestry business

This combination of technology, project work and real economic substance also characterizes my investment approach.

Before I became intensively involved with shares, my first major investments were in real assets:

• two apartments (already paid off & rented out)
• a plot of land (financed by rental income) on which one or two apartment buildings are to be built for rent in the future

For me, shares are therefore not a substitute, but a supplement to existing tangible assets.

I invest at least €750 per month, usually more, and focus on:

• 🌍 global ETFs $VWRL (+0,18%) & $TDIV (+0%) as a stable foundation
• 🏗️ Individual stocks, deliberately selected, with a focus on Germany & Europe

For individual stocks, I prefer healthy, growing companies.

I prefer dividend growth to high initial yields without substance.

The core of my portfolio will be $SIE (+3,29%) supplemented by stocks such as

$ALV (+0%) , $DTE (+0,18%) , $SAP (-0,24%) , $MUV2 (-0,06%) and $DB1 (+0,17%) .

Each position is built up gradually - first €500, then €1,000, and significantly more in the long term.

No more hectic reallocations, no more chasing - just buy and hold!

I was a silent reader here for a long time, but would like to share my thoughts, decisions and learnings in the future - objectively & long-term (if there is interest)

No trading, no noise -

but patience, discipline and a stable anvil 🛠️

I am looking forward to your feedback - constructive criticism is always welcome.

Here's to a good exchange!

#newpost
#firststep
#vorstellung

$HNR1 (-0,04%)

I recently invested in Hannover Rück SE because I consider the current share price level to be attractive in relation to the operating performance and dividend policy.

Hannover Re is one of the world's largest reinsurers and has been benefiting from a generally improved market environment for some time. Price discipline in the reinsurance market is high, while at the same time demand for reinsurance cover continues to rise. This is having a positive effect on margins and earnings quality.

I am currently particularly impressed by the company's dividend strategy. Following a very strong financial year, a significantly higher dividend has been announced. The combination of basic and special dividends leads to an attractive dividend yield without compromising the Group's capital strength. At the same time, Hannover Re pursues a clearly communicated dividend policy that is geared towards reliability and sustainability.

The company also has a solid balance sheet. The return on equity is well above the company's own targets, and the capitalization provides a sufficient buffer to absorb major losses or volatile years - an important point in the reinsurance industry.

All in all, I currently see Hannover Re as a solid, defensive portfolio component that can impress with both current income and long-term value stability. The entry is based on a long-term investment horizon and a focus on dividend continuity.

I would be interested to hear your current assessment of Hannover Re - especially in comparison with other reinsurers such as Munich Re or international competitors.

I started at €236 and think the price is very fair 😜

$ALV (+0%)
$HNR1 (-0,04%)
#versicherung
#dividende

I have $ALV (+0%) on my watchlist for some time and am currently observing the setback since the beginning of the year.

But I've noticed that very few people here are reporting on $ALV (+0%) report?

Why is that?

And do you see good entry opportunities due to the correction?

How do you rate the share in 2026?

@Tenbagger2024

@All-in-or-nothing

No. Just a reallocation. $PLTR (-0,18%) I have halved the share of Schneider Electric (still 26% - it used to be more than 30) and added Schneider Electric $SU (-0,44%) as a tech infrastructure play. The rest is still in the ETF, $ALV (+0%) and $8001 (+2,15%) distributed.

Further effects: US share reduced from just under 60% to 47%. ETF share increased from just over 38% to just over 40%. ROI since 02/2023 is 51%.

Perhaps this is good to know for some of you:

Today I was surprised to see dividend statements suddenly appear in the cash account at TR for $P911 (-1,34%) suddenly appeared in the cash account. I sold the share months ago and would like to forget about it for reasons.

On closer inspection, it turned out that the dividend paid out in 2025 was without tax deduction. Instead, I now received 2 credit notes. The larger part (65%) without tax deduction, the smaller part with tax deduction. That's probably the case, because after a bit of googling I read on the Porsche website that they paid out dividends partly from equity.

Then I had a look at what else was paid out in dividends around that time and I noticed that the dividends from $ALV (+0%) and $SAP (-0,24%) there was no tax deduction. I only took random samples, so there could be more shares affected. Let's see if there are more new statements coming soon.

So maybe leave some cash in the account.

After more than 25 years of negotiations, the EU and the South American economic alliance Mercosur (Brazil, Argentina, Paraguay, Uruguay) have concluded a historic free trade agreement. This creates one of the largest free trade zones in the world - with over 700 million people and a combined economic area worth around 22 trillion USD.

This agreement could trigger global economic and stock market effects - for companies, industries and investors.

_________________________

🛃🚢 What will happen to the Mercosur agreement?

• Tariffs on up to 91% of EU exports and 92% of Mercosur exports are to be gradually eliminated.
• The aim is to create a larger single market, better market access, simplified rules and more stable trading conditions between Europe and South America.
• Until now, high tariffs have applied to cars (approx. 35%), machinery (14-20%) and chemical products (up to 18%).

_________________________

📊 Possible effects on the stock market

📈 1. industries with strong exports benefit from higher demand

Europe can sell its products more easily in South America:

• 👩‍🏭 Cars & car parts
• 🏭 Mechanical engineering
• 🧪 Chemicals & pharmaceuticals
• 🪄 Electronics & high-tech

The elimination of customs duties and fewer trade barriers will increase the margins and competitiveness of these industries.

Possible examples of Frofiteurs:

• VW $VOW (-0,91%) BMW $BMW (-2,7%) Daimler $DTG (-0,08%)
• Siemens $SIE (+3,29%)
• BASF $BAS (+0,06%) Covestro $1COV (+0,21%)
• SAP $SAP (-0,24%) , ASML $ASML (+0,58%)

➡️ Expected share price impetus from higher export revenues and capped production costs.

_________________________

🍖 2. agricultural & food sector in focus

The agricultural business is also becoming more closely networked on both sides:

• Tariffs on wine, oil, cheese, dairy products and luxury foods are being reduced or gradually created.
• EU producers will gain greater market access in South America; conversely, South American agricultural exports (e.g. beef, sugar) will have better access to the EU.

Possible beneficiaries:

• Nestlé $NESN (-0,35%) Danone $BN (+0,04%)
• Heineken $HEIA (+0,08%) AB InBev $ABI (+0,79%)
• FrieslandCampina $FCEPL

⚠️ However, critics point out that price pressure on local farmers* also arises and environmental risks can increase, for example due to cheaper imports.

_________________________

🚗 3. raw materials & energy: medium to long-term effects

Mercosur countries export large quantities of raw materials:

• Soy, sugar, coffee, ethanol, grain
• Brazil is also a major supplier of crude oil and minerals

One of the aims of the agreement is more stable commodity trade with fewer tariffs, which can influence commodity prices and move the shares of commodity and energy companies.

Possible beneficiaries:

• Vale $VALE3 (+0,4%) Petrobras $PETR3 (+0,4%)
• Bunge $BG (+0,32%) , ADM $ADM (-0,12%)

_________________________

🏦 4. finance & services sector

The agreement also facilitates:

• Market access for financial services
• Opening of telecom and transportation markets
• Opening of public procurement to EU suppliers

➡️ This could strengthen banks, insurers and logistics companies that operate across borders.

Possible beneficiaries:

• Allianz $ALV (+0%) Deutsche Bank $DBK (+0,25%)
• DHL/Deutsche Post $DHL (-0,04%) Kuehne + Nagel $KNIN (+0,17%)

_________________________

🔄 Short-term market risks

Not everything is automatically positive:

• 🇪🇺 Agricultural protests in Europe show resistance to cheap imports.
• Political uncertainties remain - many parliaments need to ratify.
• Sectors with low competitiveness could come under price pressure.

_________________________

📌 Conclusion

The Mercosur agreement could be an issue with far-reaching effects:

✅ Strong export industry gains new sales markets

✅ Agricultural and luxury food sector gains sales opportunities

✅ Financial and service sector benefits from market expansion

✅ Raw material exporting countries in South America could become more integrated

⚠️ At the same time, there are risks for local producers and price distortions that could have a regional impact on share prices

_________________________

Question for you: What is your opinion on the agreement? And in which sectors or listed companies do you see the biggest winners in the long term?

_________________________

Sources:

- 🌎🤝 Mercosur-Freihandelsabkommen zwischen EU & Mercosur unterzeichnet – größte Freihandelszone weltweit

- 💶📈 Wirtschaftliche Chancen für EU-Exporteure und Importeure durch Zollerleichterungen

- ⚙️🚗 Branchenanalysen mit Zollabbau-Effekten für Maschinen, Autos, Chemie etc.

- 🌾🥩 Agrar- und Rohstoff-Impakte durch neue Marktchancen und Quotenregelungen

I expect to receive around €3,000 in dividends this year, i.e. an average of €250 per month. 🎉

And my goal is clear: don't leave it lying around, reinvest it straight away.

But now I'm asking myself: what's the best strategy here?

How do you do it with your dividends?

Options I am considering:

A fixed ETF just for reinvesting, e.g. a dividend ETF or world ETF - and put everything in there every month, e.g $VWRL (+0,18%) or $VWCE (+0,24%)
Adjust flexibly every month and invest in a dividend stock (king or aristocrat) in which I see the best opportunity at the moment, this month it was the $ALV (+0%)
Collect and invest 1x/year (e.g. at the end of the year / on a dip)

I've started doing it this way now:

👉 Every month check what's coming in in dividends and then set up a savings plan for the middle of the month.

I've started with Allianz as a test - but I'm not sure whether that makes sense or whether I'd be better off putting it consistently into a dividend ETF, such as $TDIV (+0%)

I'm also considering starting a separate ETF for this so that I can track it closely:

What have my reinvested dividends really brought me? (I find this quite motivating from a purely psychological point of view 😄) but I would actually rather reduce my positions than build up more.

How do you do that?

• Do you have a "reinvest ETF"?
• Do you invest on a monthly basis or rather bundle them?
• Do you prefer dividend ETFs, shares, world ETFs or simply buying into the strongest positions?

Looking forward to your tips & experiences! 🙏