Postos
94$NESN (-0,14%) in the last 5 years is issuing 10billion of debt, repaying 3 billion of debt, paying out 7 billions in dividends and buy back its shares for 5-10 billions. Each year.
Someone can explain me why should this make sense? Taking on debt to pay interests and then paying it out as dividends where shareholders pay taxes.
Hi there!
First off, I want to introduce myself. I'm a 24-year-old who's spent about two years diving into the world of investing. Though I’m just starting, I’d love to share a bit of my journey with you all.
My Beginnings
I’ve always had a unique approach to life and investments, which often feels different from most people I know. I started working young, driven by a goal to save €10,000. For someone living in Portugal, where building wealth takes time, this felt like a mountain to climb.
Unfortunately, at 18, I fell victim to a scam and lost €5,000 in my first year of trying to invest. It was a harsh lesson. My family thought I was naive for believing I could become wealthy quickly through trading. They’d never ventured into investments, so I was forging a path on my own.
Hitting Rock Bottom
After the scam, I swore off markets altogether. I moved to Spain to try earning more, but the isolation and inability to grow my savings left me depressed. It was during this tough time that my boss introduced me to Bitcoin.
He told me: “Diogo, buy Bitcoin. This could change your life. Don’t spend on cars or houses—invest in this!” At first, I thought he was crazy. Bitcoin was volatile, and I couldn’t imagine risking so much. But his passion stayed with me, and I began paying attention to the market.
Turning Things Around
In 2022, I returned to Portugal, reuniting with family, friends, and a sense of purpose. I found a stable job—not well-paying, but it gave me a foundation to rebuild. Slowly, I started meeting people active in the markets, shifting my mindset, and planning my future more thoughtfully.
I set a goal to save €10,000 again, this time with a clear strategy. By saving at least €200 a month and focusing on long-term growth (like investing in the S&P 500), I envisioned reaching €1 million by the time I turn 40.
Lessons and Progress
By the end of 2023, I came close to my goal, saving €9,500. My biggest win was investing in NVIDIA ($NVDA (+0,7%) ), which gave me a 55% return in less than a year!
In 2024, I made another significant investment—this time in myself. I used some savings to fix my teeth, boosting my confidence. Despite that expense, I managed to grow my investments to €23,000 by year's end.
My Current Strategy
This year, I’m focusing on stocks and crypto that are undervalued but have strong potential for growth. My portfolio includes:
Cripto:
Final Thoughts
My goal is to end this year with €40,000 invested, to be able to get half of it into the real state,It’s ambitious, but I’ve learned that persistence and patience can yield great rewards.
I’ll keep you all updated on my journey. Best of luck to everyone on yours!
Diogo Cordas
2024
Portfolio value (performance neutral)
Target 52 000€ -> +18 000€
Achieved 62 300€ -> +28 300€
Target 2025 -> 77 000€
Gross dividend
Target 1000€
Achieved 1018€
expected 2025 -> 1290€+
Daily allowance
Target 12 000€
Reached 13 300€
I would like to reach €15,000 by the end of 2025.
As I have an annual commute of 22,000 km, I'll have to buy a new car in 4 - 5 years' time if my current one no longer works.
In addition, several positions were sold in Q3 - Q4 ($O (+0,47%)
$BATS (+0,24%)
$SIX2 (+0,6%)
$ARCC (+0,14%)
$CVS (+0,97%)
$UNP (+0,23%)$NESN (-0,14%) ) and the focus was also placed on higher growth and dividend growth.
In principle, I have nothing against $UNP (+0,23%) but I see the growth opportunities at $CP (+0,34%) higher as well as a higher profit margin as soon as the acquisition of Kansas City has been optimally integrated into the company in order to work more efficiently.
Hi folks,
my goals for 2024 have now also been set.
Logically, the actual values and expenses can only be determined at the end of 24, so these are projected figures.
Depot (performance neutral):
34 000€ -> 52 000€ (+18 000€)
Dividends:
110€ -> 1000€ (+890€)
Call money (incl. nest egg):
17 000€ -> 12 000€ (- 5000€ will be reduced if buying opportunities arise)
Monthly savings installment (50% of salary):
Depot 1100€
(315€ ETF, 707€ savings plans shares, 25€ Bitcoin)
Daily allowance 300€
-----------
Total 1400€ p.m.
If everything goes as estimated, there will be approx. 5000€ left at the end, which would then flow into the custody account.
The year 2024 is over in stock market terms and I would also like to review the year.
I started with a portfolio value of just over €53,000.
I knew that a reallocation of around €20,000 was still to come and had therefore set my sights on the target of €100,000.
This was very ambitious, as I naturally didn't know what the year would bring. After all, there were already enough economic and political uncertainties at the start of 2024.
As I only really started investing in 2021 and 2022 was therefore my first full year on the stock market, I made a lot of mistakes at the beginning, had fluctuations in my strategy (once one was in place) and of course also made a few losses.
That's why it was important for me to stay true to my strategy in 2024 and not throw everything overboard again. Because, as I always say, going back and forth empties your pockets.
Some of you may also remember my early days, when I had a lot of savings plans in place, but they weren't particularly high and were constantly being changed. At the beginning of 2024, my portfolio contained a total of 47 individual share positions and 3 ETFs.
My goals for 2024 were therefore
2024 went as follows for me:
January: +4.0%
February: +1.3%
March: +3.0%
April: -0.4%
May: +0.5%
June: +1.7%
July: +1.7%
August: +0.9%
September: +1.0%
October: -0.4%
November: +3.4%
December: -1.7%
TTWROR 2024: +15.8%
Dividend (already in the performance): € 1956.56
Invested: €24,900
Reallocation: €21,700
Thanks to a special payment from my old employer, to which I was still entitled, I was surprisingly able to invest around €5,000 more than I had originally thought.
Did I achieve my goals?
Not all of them.
With the dividends, I'm ~€43 below my target. That's a shame, but it motivates me to step on the gas even more and crack the €2400 net dividend in 2025. That would be €200 net per month, which corresponds to an increase of 22.66%. Again, very ambitious, but you should set yourself ambitious goals.
However, I was already able to break the €100,000 barrier in September. This was of course due to the strong market. I ended the year with just over €111,500. I have remained true to my strategy, but a few new stocks have slipped into the portfolio (and a few out).
The cheering contribution to the €100,000 was here:
https://app.getquin.com/de/activity/XGtdQzCdYF
New in the depot:
$NESN (-0,14%) Nestle
$CTAS (+0,44%) Cintas (savings plan)
$RACE (+0,02%) Ferrari
$D05 (-0,68%) DBS
$UNH (+0,35%) United Health
$V (+0,15%) visas
$CSNDX (-0,02%) Nasdaq 100 (savings plan)
$XEON (-0%) As an overnight money substitute for fixed planned money for loan repayment in 6 years or special repayment if the interest rate on the balance falls below the loan interest rate of 0.75%. Is topped up with special payments from the employer during this period.
Left my securities account:
$AAL (+3,63%) Anglo American PLC (+37%)
$IBM (+0,28%) (+26%)
$BAC (+0,16%) Bank of America (+45%)
$UKW (-0,33%) Greencoat UK Wind (0 to 0 due to dividends)
$SBUX (-0,15%) Starbucks (+10%)
$BIGG (+3,1%) Bigg Digital Group (-95%)
Unfortunately, I sold IBM and Bank of America too early, but I am still satisfied.
What else has happened?
Outlook for 2025
So what are my plans for 2025 in terms of finances?
What are your targets for 2025? Did you reach your 2024 targets and to what extent did you change your targets after reaching (or not reaching) your 2024 targets?
Feel free to let me know in the comments, as I always find it very exciting to see how ambitiously others set/change their goals.
I wish you a good start to 2025 and every success with all your plans and goals.
As with everything, of course, if you're not interested, feel free to keep scrolling and/or use the block function. 😊
I have now decided in favor of $NESN (-0,14%) as the Group is already the market leader in the food sector and the P/E ratio is already very attractive. And since it's a Swiss company, it's easier because of the taxation. I also reached a milestone shortly before the end of the year, breaking the 20k mark. Now it's time for the holidays🥳
I wish you all happy and peaceful holidays. Maybe someone will get some shares as a Christmas present 😅
After the interest rate cuts, will dividend stocks win the race in 2025?
Dear stock market players and dividend pearls.
Where will you invest after the interest rate cuts? Bonds!
Or like the Swiss, did you know they have a key interest rate of 0.75%, or dividend favorites and aristocrats:
>4% yields are:
$$
Chart technology from the picture book X
Nestlé
Nestlé makes the most of your milk
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 $Coca-Cola
6$BLK
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 🫶🎄⛄️🧘📊🆕🎆
Principais criadores desta semana
