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3Mes

Hello @Tojasoku
Thank you very much for your answer!
What speaks against it? Mercedes, for example, is a large and well-known company that has been on the stock market for 26 years. The share price fluctuates year after year, but after the 2020 pandemic, the price went up well and I see potential for the price to rise even further and perhaps even reach a new "high" if AI can be integrated well and sensibly. It is also still unclear what the future will look like. Will we go back to combustion engines or will electric motors prevail? Maybe something new is coming...
Why are car shares not popular?

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Tojasoku@Tojasoku

3Mes

@Fixeira The German car industry in particular has extreme political difficulties in remaining competitive in the market. Politically on the one hand due to EU electrical directives and on the other hand due to German energy policy.

If at all, I see opportunities for Mercedes or BMW in the premium segment, but the risk is too high for me compared to other sectors. My wife still has a small position in BMW and we are keeping it. I sold my position in Mercedes a while ago at a good price, and I have now sold VW at a moderate loss.

If I were 19 years old like the author of this post, I would never hold double-digit percentages in German car stocks.

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3Mes

The games are on 😇.... There are the growth freaks and the dividend freaks. It should be clear that everyone has their own opinion. Thanks for the insight, but the dividend opi really has to ask you why you are already fixated on dividends at such a young age? If I were young again, I would first make sure that my capital stock keeps growing. For me in my "old age" it counts differently. Find a nice broad world ETF and save for the next few years and keep an eye on your dividend stocks. They're already generating some cash flow, but I'm at least critical of the automotive industry, especially the German one.

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3Mes

@Dividendenopi Also note, looking for a stock only by payout month is nice for the inner monk, but does not bring any advantages. Look in the US healthcare sector or consumer sector, there are nice stocks with growth that even pay dividends in the months, if it should be individual stocks and divis

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3Mes

Hello @Dividendenopi
Thank you very much for your time!
Before I started investing, I did some research on the internet, read up and watched a lot of YouTube videos. I was always given the message that you should start investing as early as possible. As I was new to the whole stock market area anyway, I didn't want to skip anything and start with little risk. As a result, I focused on dividend payouts and became a dividend freak 😁. Now that I've been at it for a few months, I'm ready to adjust my portfolio (hence my question here) and take on more risk as I already feel more "comfortable".
I find it very exciting how an experienced dividend topi gives me the message that if he were young again, he would take much more risk. That makes me rethink my situation, because I said to myself from the start that I don't care whether I "lose" the money I invest during my training or not, because I want to learn and I'd better learn now at a young age instead of later when I become a dividendenopi myself😂
And why do you see the automotive industry as critical?

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3Mes

@Fixeira I am particularly critical of the German automotive industry at the moment. No matter what you think about electric cars, they first misjudge the entry, then jump on the bandwagon, but develop model series that are not suitable for the mass market. I refer to the oversized and very expensive SUV variants. They could also be sold outside Germany and subsidized in this country. The market is now crumbling away, the overconfidence is high. Insight is rather lacking. Despite the tariffs, the Chinese have a pretty good grip on our market, sales are collapsing in China, Tesla is the top dog in the USA, and a highly subsidized relocation of production to the States doesn't help either. And making progress in Germany is more than unlikely given the environmental conditions. It still looks quite good on the books in some cases, but I don't think it can be sustained. And after constantly shrinking results, it's also due to the dividend. They wouldn't be the first. Bayer and BASF, for example, have done it before. Dividend cuts are not a bad thing per se and can lead to a stabilization of the company, but in my view there is much more at stake here

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Anton2527@Anton2527

3Mes

@Dividendenopi I've only just turned 19 myself and, according to you, I should be focusing more on growth stocks. In my opinion, my portfolio consists of a mix of dividend stocks and growth stocks. However, if I only invested in growth stocks now, my capital would (hopefully) grow faster, but in the end, if I switch to dividend stocks in order to live a little better in retirement, would I still have to pay out 1/4? Doesn't it make more sense to buy dividend stocks now?

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3Mes

@Anton2527 You should pursue the investment strategy that you think is best for you. Especially if you are new to the subject, a broad-based ETF is a good first step. The past has shown that good growth can be achieved with moderate fluctuations. It remains to be seen whether this will also be the case over a long period of time in the future, but the probability is high. In addition, if you enjoy it, you can delve further into the subject and selectively add individual stocks, including dividend stocks of course. In my opinion, it is important to start investing at an early stage. Over time, you will develop a better and better strategy and make adjustments. And a lot also depends on whether you want to invest offensively or defensively. If you are defensive, you can get regular rewards with a dividend strategy, which is reassuring 😇. There is no one-size-fits-all approach. And growth, e.g. from ETFS, doesn't necessarily have to be converted; you can sell gradually as you get older and set up a withdrawal plan. You always withdraw the 1/4. This already applies to dividends, and in many countries the pro rata or full withholding tax is added on top. If you are inconsistent and don't reinvest the dividends, especially in younger years the temptation is great 😉, then you will probably end up with a worse performance and give away a lot of money. These are all the views of different investors with different approaches. Take out the information that seems important to you, don't let yourself be influenced too much by outside sources and follow the path that seems right to you.

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3Mes

@Fixeira The following report was recently published in the Handelsblatt: Berlin. The German premium manufacturers BMW and Mercedes-Benz are increasingly struggling with weak sales in their most important market, China. From July to September, BMW deliveries fell by almost 30 percent year-on-year to just under 148,000 vehicles. The brand with the three-pointed star sold 170,700 vehicles, 13 percent fewer than in the previous year, meaning that China performed weaker than other regions of the world.

The market environment was "difficult" and "challenging", the carmakers explained on Thursday. "Overall lower demand, especially for luxury goods, and continuing price discounts, particularly in the EV segment, had an impact on sales in China," explained Mercedes-Benz.

The decline in sales accelerated for both carmakers in the third quarter, which was the main reason for Mercedes-Benz's second profit warning of the year and BMW missing its sales target.

While the overall market in China has been shrinking for months, there is a boom in electric cars thanks to government incentives. However, this is bypassing the German manufacturers because the Chinese competition is coming up with lower prices and smaller, more affordable models.

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3Mes

At 19 I became all in on bitcoin!!!is not a tip !!! I am 35
Since you are so young and still have a lot of time ahead of you
I was fully on risk

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3Mes

Hello @salvo89ari
Thanks for your advice!
Does "fully at risk" mean investing in cryptocurrencies for you? Or what exactly do you mean by that?

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3Mes

@Fixeira bitcoin only
That's what I did when I was 19
But clearly invest for the long term, around 7 to 10 years. Collect bitcoin
Everyone has to know for themselves
Don't know if you can manage if your portfolio is down 50 percent because bitcoin is very volatile

Your emotions play a very big role in investing
Since you are so young I recommend you to read some books about investing
Preferably no emotions !💪

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3Mes

@salvo89ari Regarding my emotions: What doesn't fit is made to fit, my father once said to me 😂Do you have any good books that you would recommend to me?

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3Mes

@Fixeira Peter Lynch

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3Mes

@Fixeira Benjamin Grahame the intelligent investor

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3Mes

But you have to read old books if you want to become an investor

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3Mes

If you're still young, you can always invest in the market and there are always good opportunities
But you have to know your way around
do your homework
Go to Yahoo Finance
And enter a share
And have a look at the balance sheets
If you can read and understand what it says about the financials of a stock, no matter which one
Then you're good to go but it takes time

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3Mes

And what is very important is money management

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3Mes

2000euros on Mercedes😰😰
Only because of the dividends !!! Better do your homework
Otherwise you will quickly lose everything !!!

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