Have you heard about the multi-million dollar deal between ConocoPhillips and Shell? 🎉 ConocoPhillips is divesting itself of two oil fields in the Gulf of Mexico and a pipeline and is selling these assets to Shell (ex Royal Dutch Shell) for a whopping 735 million dollars $SHEL (-1,69%). The deal is expected to be completed by the end of the second quarter of 2025.

This transaction could be beneficial for both Conoco and Shell. For Conoco, it means fresh capital, while Shell can further expand its position in the Gulf of Mexico. ConocoPhillips' share price currently stands at EUR 96.40, while Shell is trading at EUR 32.40.

How do you see this development? Is this a smart move for both companies? Let's discuss it!

$8001 (+0,66%) increases the dividend in June by 25% from 80 YEN (previous year) to 100 YEN.

$MMM (-2,37%) increases the dividend in March by 4.29% from 0.7$ (previous quarter) to 0.73$.

$SHEL (-1,69%) increases the dividend in March by 4.07% from 0.344$ (previous quarter) to 0.358$.

#itochu
#mmm
#shell

Hello, I am thinking about restructuring my portfolio, which in my opinion is very unbalanced, with a view to the future. I'm thinking of an investment horizon of around 15-20 years.

I would like to structure the core of my portfolio with the help of 60% #etfs with the help of

• $VWRL (-0,91%) 30%
• $CSPX (-1,14%) 30%

In addition, around 5% of my postage portfolio is to be #crypto above all $BTC (-0,01%) consist of

I invest the remaining 35% in individual stocks.

• Technology sector 8%
• Thought of $MSFT (-1,57%) , $GOOGL (-2,28%) , $AMZN (-2,39%) , $SAP (-1,87%) ,$NVDA (-3,63%) in approximately equal parts
• Healthcare sector 4%
• Something like $JNJ (+2,12%) , $NOVN (+1,73%) , $NOVO B (+5,32%) but I'm not quite sure here yet, I want to read up on it in more detail
• Consumer sector 6%
• Thought of $COKE (-2,91%) , $1810 (+2,88%)
  $PG (+2,23%) but not sure yet either
• Industrial sector 5%
• Something like $6501 (-4,28%)
  $SIE (-0,45%)
• 
  Energy sector 7%
• $SHEL (-1,69%) , $ENR (-4,27%)
• 
  Financial sector
• $ALV (-0,14%) and $NU (-11,11%)

I currently have a monthly savings rate of 400-500 euros in addition to my studies and would divide this up accordingly and put it into a #sparplan and put it into a savings account.

What do you think of the weighting and do you have any tips, especially in the health sector?

Brief feedback is very welcome

#stockanalysis
#portfolio

- Oil

- gas

- EU emissions trading

- Copper

- Aluminum

- Gold

- Silver

Link: https://shorturl.at/5VrEF

#gold
#silber
#öl
#oiel
#kupfer
#aluminium
#metall
#edelmetalle
$SHEL (-1,69%)
$TTE (-1,26%)
$ABX (-2,34%)
$GLDA (+0,28%)
$GOLD (-2,99%)
$LNVA
$GOLD
$DE000EWG0LD1 (+0%)
$B7GN
$PAAS (-3,78%)
$PHAG (-1,02%)
$SLV (-0,71%)
$1BRN
$IOIL00 (-3,09%)
$WTI
$WTI
$CVX (-0,58%)
$XOM (-0,73%)
$OXYP34
$ALEX
$OD7A
$ALUM (-1,02%)
$COPA (-1,1%)
$OD7C
$SCCO (-4,21%)
$GLEN (-1,81%)
$RIO (-0,51%)
$RIO (+2,17%)
$RIO (-0,41%)

Hello Community,

Today I'd like to discuss my somewhat confusing use of various brokers. Maybe one or the other can give me some support here.

Consorsbank

I started investing a few years ago when I was still living in Germany. I used a well-known but rather expensive broker ( #consorsbank ). ETF savings plans are partly free here and I use the $XDWD (-0,98%) (TER 0.19%) as well as the $XMAW (-0,98%) (TER 0.25%). These 2 ETFs are deliberately separated, as the latter is backed by another cash inflow, the increase in value of which I would like to view separately (rent of a paid-off rental apartment).

However, historically, one-off purchases (order costs: 10 Euro + 0.25%) and savings plans (order costs: 1.5%) some individual positions such as $GOOGL (-2,28%) , $MC (+0,4%) , $META (-1,11%) , $SHEL (-1,69%) , $BATS (-1,84%) , $INTC (-4,07%) or $ASML (-0,72%) . So a colorful portfolio without focus (e.g. growth or dividends only, USA only or other).

Current account is required at Consorsbank and therefore not closed, custody account not absolutely necessary.

SaxoBank

I moved to Switzerland almost 4 years ago and initially invested here via DeGiro, but due to the cost reduction I switched to SaxoBank and actually closed DeGiro completely. Order fees of 1$ + 0.08% for American shares. European ones are usually 3 Euro + 0.08%. However, the stamp duty which applies to all brokers in Switzerland (0.075 Swiss stock exchange, 0.15% foreign stock exchange).

ETFs continued to be saved via Consorsbank. Individual shares (apart from a few small savings plans) from now on with SaxoBank. This applies to both new and existing positions ($GOOGL (-2,28%) , $INTC (-4,07%) , $MSFT (-1,57%) , $AMD (-2,29%) , $NESN (+4,08%) or $NOVO B (+5,32%) )

No trading with fractional shares possible! Complete transfer from Consorsbank to SaxoBank therefore not possible!

InteractiveBroker

Via Getquin, as well as via a mentioned Reddit group for Swiss finance, I came across the possibility to invest very cost-efficiently with #ibkr which specifically offers the possibility to invest in American ETFs (e.g. $VT (-0,96%) or $VOO (-1,28%) ), which are not only significantly cheaper (TER 0.07%, or 0.03%), but are also tax-exempt due to a tax treaty between #usa and the #schweiz bring tax advantages.

The order fees are incredibly low (0.0035 USD per share) and, as it is not a Swiss broker, there is no stamp duty! Accordingly, another 0.15% (0.075 for Swiss stock exchange) less compared to SaxoBank! Another strong argument is that I can transfer money free of charge from my German bank #euro as well as from my Swiss bank #chf free of charge. However, I would not like to put everything on one card/broker. I haven't invested in IBKR yet, but I'm wondering how I should best divide up my brokers.

Trading with fractional shares is possible and therefore also a portfolio transfer from Consorsbank.

Quick side info:

My wife has her own account with Consorsbank (before moving to Switzerland) and #degiro her own custody account, which doesn't make it any less complicated.

Summary:

Consorsbank:

ETFs plus shares available, high fees for shares, fractional shares possible, based in Germany

SaxoBank:

Shares available, low fees but stamp duty, no fractions of shares, domiciled in Switzerland

IBKR:

nothing available yet, very low fees, no stamp duty, deposit Euro & CHF possible, American ETFs like $VT (-0,96%) fractional shares possible, domicile in the USA (or UK for Swiss investors).

Questions:

a.) In future ETF, e.g. $VT (-0,96%) with IBKR?

a2.) If yes, liquidate existing ETFs and reinvest in American ETFs?

b.) Transfer portfolio, especially Consorsbank?

b2.) If yes, how to divide between SaxoBank and IBKR? Only IBKR?

c.) Are there major risks with IBKR (based in the USA/UK?)

Hello everyone 🤘🏻👨🏻‍💻,

I have recently realized that my portfolio is not sufficiently focused on dividend stocks. I would therefore like to change this now and look forward to your recommendations! 📈💰

I currently have a few stocks on my watchlist that I'm taking a closer look at:

$XOM (-0,73%)

$EOAN (+0,41%)

$SHEL (-1,69%)

$ALV (-0,14%)

$MUV2 (-0,6%)

$T (+2,01%)

$CVX (-0,58%)

$TTE (-1,26%)

I'm also looking a little more closely at oil stocks at the moment, as "Drill, baby, drill" ~ Donald Trump is back in vogue.👆🏻

Which dividend stocks do you have in your portfolio or on your watchlist? I am curious! 🤘🏻🤓

Last year, there was a distinct lack of snow in December. Instead, the portfolio did really well and I made progress with my crypto sell-off strategy. A small cold in the fall, despite taking good precautions, set me back in terms of ice bathing and hiking, but fortunately I was healthy again by Christmas. Unfortunately, that wasn't all... Time for a look back.

I present the following points for the past month of December 2024:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ WHAT IS REALLY IMPORTANT

➡️ OUTLOOK

➡️ Shares

$AVGO (-3,16%) is back on the tube. Wow, at +276%, the stock is now up for me. After the share cooled down a little, it went to the moon again in December.

$NFLX (-1,73%) and $SAP (-1,87%) are on a par with the previous month in terms of performance and are still in 3rd and 4th place in terms of volume. $WMT (-2,31%) . The retail chain will soon become a doubler for me.

The red lanterns will once again go to the usual suspects $NKE (-0,48%) , $DHR (+1,24%) and $CPB (+3,22%) . In terms of performance, all three stocks are down between -30% and -20%. They are the smallest positions in my main share portfolio with the $DHL (+0,55%) However, across all portfolios, the smallest positions are the new additions $SHEL (-1,69%) and $HSBA (+1,02%) .

➡️ ETFs

The ETFs are doing their thing as usual. This month, I immediately invested a refund from the previous year's utility bill in the $GGRP (-0,99%) and $JEGP (+0,05%) invested. I'm always expanding this asset class in particular with cash inflows. I don't care about timing. The money should go into the assets so that the stream of distributions keeps growing. I buy income and want cash flow.

➡️ Distributions

I received 34 distributions on 14 payout days in December. I am grateful for this additional income stream. My minimum target has been met anyway in this high-distribution month. The snowball rolling down the slope is getting bigger and bigger.

I already donated part of the dividend at the beginning of the month. This is based on the conviction that you can (and should) give something back, no matter how small, if you have the opportunity to do so.

➡️ Cashback

In November, I received €6 from redeemed Payback points, the equivalent of which I transferred from my grocery account to my settlement account. As already mentioned, there was also a credit from the utility bill. REWE and Penny have now separated from Payback, while Edeka, Netto Markendiscount and Marktkauf have joined. All three new stores are not in my immediate vicinity, which is why I will earn fewer Payback points in future. I will most likely collect the points mainly at DM. REWE and Penny now have their own bonus programs. REWE's will be exciting, as I can also save up credit with my purchases. I will deduct this discount from my grocery account and invest it in the same way as before. I'll see over the year whether it pays off more than Payback did back then.

➡️ Subsequent purchases

As already mentioned, there were additional purchases at $JEGP (+0,05%) , $GGRP (-0,99%) and $SPYD (+0,62%) . I always invest every little return or leftover money to further increase my portfolio. This buys me freedom.

➡️ P2P loans

I was finally able to get rid of Peerberry. Now only Mintos is hanging on my leg like a log. A mid-double-digit amount, which has long since defaulted, is still waiting to be refunded or written off.

This asset class will soon be history for me.

➡️ Crypto

All in all, December was another exciting month for crypto investors. Limit orders were triggered again for me. The last tranches $LINK (+0,17%) have left me, as has a first tranche $UNI (-0,13%) and a first tranche $BTC (-0,01%) . I have invested the proceeds in $HSBA (+1,02%) and $SHEL (-1,69%) invested in the separate portfolio. I have already explained my underlying strategy in detail, which you can read about in my articles. Recently, the crypto market has been in a sideways phase again. I'm hoping for another breakout in January to trigger further limit orders, as I still need to buy a security so that the separate portfolio pays me a return each month. So far, only two out of three quarterly months are covered. The two new stocks have even performed well in this short period of time, gaining around +3.6% within a month. The last purchase will perhaps be an ETF. You will see more about this in the coming reviews. I am already looking forward to collecting again in the coming bear market and will then certainly write an extra post with the levels at which I will gradually enter again.

➡️ What is really important

I remember December as a good month in financial terms, but unfortunately Christmas was overshadowed by tragic events this time.

After recovering from my cold at the beginning of the month a few days before Christmas Eve and getting back to my daily routine (consisting of work, running, ice swimming, hiking and my love of finance), I received the terrible news from Magdeburg. I am simply stunned and ask myself "why?". I am not affected, I am not one of the bereaved and I don't know any of the victims, the wounded or the bereaved personally, yet this event brought me down on the evenings around the Christmas holidays. Loyal readers know that I am working on a closer relationship with my ex's kids. Even though my blood doesn't run through their veins, questions ran through my mind about what if they were affected by the horrific act, or me? It could have happened anywhere. At least in the event of my untimely demise, I also made appropriate arrangements in the last few days of the year to ensure that what I leave behind ends up where I want it to be. I spent the turn of the year with the kids and the time I spent with them was the best end to the year imaginable. It's nice when connections continue to exist and you remain part of the life of the Kampfzwerge and can continue to accompany them through life.

➡️ Outlook

New year, new luck. I'll be surprised what the new year will bring. There will be a separate post for the evaluation of 2024 as a whole. I'm particularly happy because I exceeded an important goal despite a few expenses.

Links:

Social media links can be found in my profile, you can also check out the Instagram version of my review.