$ES06445809U3 (-2,76%)

Since recently I have such a derivative floating around in my portfolio $IBE (+0,75%)

LG

The UBS recently carried out an extensive screening of the European equity market. There are a few stocks that were rated very positively by the analysts.

These include the French energy supply group Engie $ENGI (+1,13%) the Italian logistics and postal company Poste Italiane $PST (-0,08%) the British online real estate broker Rightmove
$RMV (-0,27%) and the French technology service provider SPIE $SPIE (-0,32%).

In addition, the Irish specialist insurer Beazley $BEZ (+0%) the Spanish energy group Iberdrola
$IBE (+0,75%) and the Swedish telecommunications company Telia
$TELIA (+1,16%) are on the list.

The chances of a positive development are good - according to "Welt". Reason:

In Europe, politicians are investing massive amounts of money in infrastructure and defense while promising reforms to stimulate the economy. Added to this are interest rate cuts by the European Central Bank (ECB) and bulging savings accounts, which could flow into consumption and investment if the mood improves.

And overall, it is all about long-term growth: government investments are planned for years to come and the ECB is likely to cut interest rates even further.

The combination of government stimulus, cheap financing and private capital is providing a tailwind on the markets. There are some European ETFs that have been performing very well since the beginning of the year.

At the forefront is the Global X Euro Infrastructure Development $BRIP (+0,5%) with a return of 23.1 percent.

Also strong is the Xtrackers Dax $DBXD. (+0,25%)
The ETF achieves 20.3 percent and costs just 0.09 percent per year.

Also exciting is the WisdomTree Europe Defensive $EUDF (-1,5%). With 18.9 percent since its launch in March, it has made a solid start and costs just 0.40 percent.

The classic among the European ETFs, the iShares Core Euro STOXX 50 $CSSX5E (-0,07%)is somewhat more defensive at 11.8 percent, but scores with minimal fees. Europe is therefore back on the ETF radar.

Source (excerpt) & image: "Welt", 17.07.2025

Hello,

is anyone else invested in $IBE (+0,75%) IBERDROLA and received this dividend option via TR ?

Option 1: Sell the rights to Iberdrola Inh. at a price of EUR 0.409 (less 19% withholding tax).

Option 2: Exercise the rights at a ratio of 39:1 on ISIN ES0144583327. The instruction can only be given for 39 rights or a

multiple thereof. The remaining rights will be sold by us.

As a newbie, I'm unfortunately not quite sure exactly what this means and what would be better.

What do you think is better?

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,01%) Call money ETF. Div. 1.9%

15% $TDIV (+0,12%) VanEck Divi Leaders. Div 3.5%

10% $TRET (+0,35%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,1%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,22%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0,63%) Gold

5% $SEDY (+0,39%) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,63%) JPM Global Equity Inc Div 7.1%

5% $EEI (+0,35%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (+0,13%) High Yield Bond. Div 6.1%

5% $EXXW (+0,21%) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,01%) Overnight ETF. Div 1.9%

12% $EQQQ (+0,18%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0,63%) Gold

2% $O (-0,54%) Realty Income 6.0%

2% $VICI (-0,72%) Vici Properties 5.6%

2% $OHI (-0,2%) Omega Healthcare 7.2%

2% $PLD (+1,06%) Prologis 4.1%

2% $ALV (-0,33%) Allianz 4.35%

2% $HNR1 (+1,06%) Hannover Re 3.4%

2% $D05 (+0,17%) DBS Group 5.5%

2% $ARCC (-1,77%) Ares Capital 9.3

2% $6301 (+0,89%) Komatsu. 4,2%

2% $1 (-0,06%) CK Hutchison 4.6%

2% $AENA (+0,96%) AENA. 4,2%

2% $LOG (+0,22%) Logista 7.3%

1,5% $AIR (+0,32%) Airbus 1.8%

1,5% $DHL (-0,5%) DHL Group 4.8%

1,5% $8001 (+1,17%) Itochu 2.8%

2% $RIO (+2,32%) RioTinto plc 6.4%

2% $LIN (+0,9%) Linde 1.3%

2% $ADN (-0,44%) Acadian Timber 6.7%

3,5% $BATS (+0,62%) BAT 7.0%

2% $KO (+0,21%) Coca Cola 2.9

2% $HEN (-0,12%) Henkel 3.0%

2% $KVUE (+1,29%) Kenvue 4.1%

2% $ITX (-0,15%) Inditex 3.6%

2% $MCD (-0,35%) McDonalds 2.6%

2% $690D (+0,77%) Haier Smart Home 5.6

3,5% $IBE (+0,75%) Iberdrola. 4,1%

1,5% $AWK (-0,26%) American Water Works 4.4%

1,5% $SHEL (-0,43%) Shell 4.1%

1,5% $ENB (-1,28%) Enbridge 6.5%

2% $DTE (+0,02%) Deutsche Telekom 2.8%

2% $VZ (+3,8%) Verizon 6.8%

2% $GSK (+0,16%) GlaxoSmithKline 4.2

2% $AMGN (-0,79%) Amgen 3.5%

2% $JNJ (-0,23%) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

Liberation Day on April 2, 2025 was just two months ago, but it feels more like two years ago on the stock markets.

The markets have become accustomed to Trump's mood swings and the old adage is proving true once again: political stock markets have short legs

Monthly view:

My portfolio saw a massive rise in May and May 2025 is the second best month in the last 5 years with +8.1%. Only November 2021 was marginally better at +8.5%.

This corresponds to price gains of ~20.000€.

The MSCI World (benchmark) was +3.6% and the S&P 500 +6.1%.

Winners & losers:

A look at the winners and losers shows a completely different picture in May than in the last 2 months - Suddenly everything is green again.

On the winners is mainly made up of the stocks that have fallen in recent months: US tech

In 1st place is NVIDIA $NVDA (-0,41%) with price gains of almost €5,000. This is followed in 2nd & 3rd place by Microsoft $MSFT (-0,49%)
and Meta $META (+0,97%) with price gains of just under €2,000 each. 4th place goes to Ethereum
$ETH (+0,07%) with ~€1,400 price gains, finally making up some ground on Bitcoin $BTC (-0,55%) . In 5th place is another tech stock with TSMC $TSM (-0,73%) and +1,300€.

On the losers' side looked very relaxed in May. The biggest loser was Apple $AAPL (+0,44%) with just under €300 in share price losses. In 4th place was Allianz $ALV (-0,33%) with -120€, although this also corresponds to the dividend discount after the payout. So it's really significant when the dividend discount leads to a share ending up on the flop list of the month.

The performance-neutral movements in April were ~€500 - these are still lower at the moment due to the house building issue.

current year:

In the YTD my portfolio was still at -12,4% clearly in the red. Thanks to the strong May, it is now only -4.3%, although the MSCI World is still slightly better off at -3.3%.

In total, my portfolio currently stands at ~273.000€. This corresponds to an absolute decline of ~€12,000 in the current year 2025. -14.000€ of this comes from exchange rate losses, slightly offset by ~1.700€ from dividends / interest and ~3.200€ from additional investments.

Dividend:

• Dividends in May were +22% above the previous year at ~465€
• German equities were in the lead with Allianz $ALV (-0,33%) and Deutsche Bank $DBK (+1,03%) - Both with ~€120 (gross) dividend
• In the current year, dividends after 5 months are +25% over the first 5 months of 2025 at ~1.620€
• 
  I have reached another milestone with regard to the rolling 12-month view. For the second time, I have received over €3,000 in gross dividends for the last 12 months. This figure has now risen to over €3,100
• However, the fall in the US dollar is still having an impact on my dividend forecast - unfortunately, the growth rates in the second half of the year do not look very good compared to the previous year

Buying & selling:

• I bought in May for 885€
• 520€ shares
• 265€ ETFs
• 100€ crypto
• Sales There were none in May

Adjustment of savings plans for the second half of the year:

After a long time, there will be adjustments to my savings plans for the second half of the year. With Starbucks $SBUX (-0,72%) Apple $AAPL (+0,44%) and Hershey $HSY (+3,3%)
three shares will be removed from the savings plans. Starbucks and Apple will remain in the portfolio, Hershey is still open.

I will be adding Allianz $ALV (-0,33%)
which I have held in my portfolio for many years and bought individually in 2020.

In addition, the London Stock Exchange $LSEG (-0,8%) and Iberdrola $IBE (+0,75%)
will be added to the portfolio.

I go into these adjustments in detail in the YouTube video (see next section).

YouTube:

My portfolio update for May can be seen there again in the usual form.

Unfortunately, things are a little quieter there and here on getquin at the moment.

There are some private and professional issues at the moment that are taking up a lot of time.

Video: https://youtu.be/Pe59Z287-Zs

Goal 2025

I haven't really set myself any goals for 2025 due to the topic of building a house. A fixed savings rate is difficult to implement due to the issue (unforeseen costs and the like).

A dividend target will also be very difficult due to the high volatility of the US dollar.

That's why I'm focusing on other topics this year, especially building a house and possibly one or two successes in terms of YouTube.

How did May look in your portfolio?

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Since the beginning of the year, analysts have lowered their profit estimates for the 50 largest listed companies in Europe by almost four percent. This is according to data from the financial specialist Bloomberg.

One of the main reasons for this is the tariffs imposed by US President Donald Trump Trump and the associated uncertainty. Tariffs make products more expensive, making them less affordable for end customers. In addition, the recent euro exchange rate against the dollar is affecting companies. This makes products sold in the dollar zone more expensive and less competitive. In addition, turnover and profits are reduced as soon as companies convert their dollar earnings into euros and report them on their balance sheets.

But there are exceptions. For five companies in the European Stoxx 50 share index, analysts have increased their profit forecasts for the current financial year by at least five percent since the beginning of the year. by at least five percent - for one group by as much as 15 percent.

Handelsblatt profiles the shares of these companies with a view to their business prospects, their stock market valuation and their share price potential.

The candidates are:

$PRX (+0,59%) - Prosus | 20 analysts per buy / 4 hold

$CFR (-1,28%) - Richemont | 17 buy / 16 hold / 1 sell

$NOVN (-0,42%) - Novartis | 9 buy / 15 hold / 5 sell

$SAP (+0,04%) - SAP | 25 buy / 6 hold / 3 sell

$IBE (+0,75%) - Iberdrola | 12 buy / 19 hold / 2 sell

The detailed analysis is available here (€):

https://hbapp.handelsblatt.com/cmsid/100124777.html

Source: Handelsblatt, 09.05.25

I'm still missing one or two candidates for this sector in my portfolio. Who do you see as a utility in a top position for this development over the next few years? Are there any globally positioned candidates? I once had $IBE (+0,75%) in my portfolio, today I regret the sale. $NEE (-0,15%) I find it quite exciting.

https://www.iea.org/reports/energy-and-ai/executive-summary

AI is set to drive surging electricity demand from data centers while offering the potential to transform how the energy sector works

The electricity consumption of data centers is expected to more than double to around 945 TWh by 2030. This is slightly more than Japan's current total electricity consumption. Alongside the rising demand for other digital services, AI is the most important growth driver. The USA accounts for by far the largest share of this forecast increase, followed by China. In the USA, data centers are responsible for almost half of the growth in electricity demand between now and 2030. By the end of the decade, the country is expected to consume more electricity for data centers than for the production of aluminum, steel, cement, chemicals and all other energy-intensive goods combined. After 2030, uncertainties increase further, but our baseline scenario assumes that global data center electricity consumption will rise to around 1,200 TWh by 2035.

I am currently looking for a company that operates (not (only) builds) renewable energies. Preferably something European.

At first, of course, when I was searching$NEE (-0,15%) but they are based in the USA. Now I have found $IBE (+0,75%) landed. I found it very interesting that they now want to develop data centers in addition to renewable energies.

Which companies should I look at in this area?

Hello everyone,

I have had an Iberdrola savings plan for 2 months. $IBE (+0,75%) running. I save €150 per month. I want to reach €1650.

But on the subject:

In January, I will receive around €5 in dividends for my €300. But now I've received them as bonus shares because I didn't issue an instruction for the cash dividend within a week. I didn't look in my mailbox :I In my comdirect custody account, the selling costs just exceed the €5 position.

Does anyone know anything about this? Can I issue a new instruction for the next semi-annual dividend? So that I receive the cash dividend. Or do I always get new bonus shares now?