$NU (+0,44%) has been cooking this year. YTD it’s up 53%.
Where do you think this stock will go in 5-10 years? And also, which will be first, expansion into more LatAm markets or possibly US or UK market?
Postos
285$NU (+0,44%) has been cooking this year. YTD it’s up 53%.
Where do you think this stock will go in 5-10 years? And also, which will be first, expansion into more LatAm markets or possibly US or UK market?
Hi there, I’ve been a silent reader for the past months. But this is my portfolio. For context, I’m 20 years olds and active with investing since 2 years.
$XLKS (+1,48%) - the base of my portfolio, with the belief in tech for the longrun.
$NU (+0,44%) - Is my high conviction bet, as well as $IONQ which I’m looking to expand.
Other then this, I have some other “sleep well at night” picks I presume, that I also add to for dividends and stable growth.
Let me know what you think and my question is: Should I keep adding to $XLKS (+1,48%) or split up my position into $NVDA (+3,5%) - $AVGO (-0,25%) - $MSFT (+0,15%) - $ORCL (-1,23%) ?
Let me know and good luck to all of you!
Good morning dear community,
Today, right after my breakfast (it's now 10:30 here), I thought of you again and found an assessment of a favorite $NU (+0,44%) that I would like to pass on to you.
I am no longer invested at the moment, but I do see long-term potential and think that it could become a tenbagger for the buy&hold group.
But you need patience. I don't have the time component, so I won't be investing at the moment.
Aktienwelt360 - You might think that the search for the next Tenbagger is child's play. A few analyst forecasts, a crisp stock - and a profit of 1,000 % seems within reach.
As experienced investors, we of course know that it's rarely that easy. But with Nu Holdings (WKN: A3C82G), the Brazilian fintech star, the idea seems particularly great. After all, the company not only promises growth, but also fundamental change in the South American banking sector. Even Warren Buffett praised the digital bank not so long ago.
The Nu Holdings business model
Nu Holdings has managed to do what few have managed to do: attract millions of customers to a lean, digital banking model. Yes, you could describe Nubank as a South American N26, but with a different, still limited regional focus.
In a region where traditional banks often stand out with high fees, complicated structures and low customer satisfaction, Nubank scores with a user-friendly app, favorable conditions and high transparency.
With over 122 million customers, the fintech company has long since exceeded a critical mass. This enables economies of scale and the development of new business areas - from loans and insurance to investments.
The business has come at the right time, as digital banks are booming and Nubank is a first mover in South America, particularly in Brazil, with an extraordinarily large footprint. Profits are already substantial, as the second quarter shows with a surplus of USD 637 million. Sales growth is exceptionally high at almost 30%.
Growth opportunities and risks of the digital bank
The idea that Nu Holdings could now become the next Tenbagger is based on two factors: firstly, the huge addressable market in Latin America and secondly, the above-average growth of recent years. While some traditional banks are stagnating, Nubank is growing at double-digit rates in terms of customers and revenues.
In addition, the dynamics of the emerging markets should not be ignored due to their demographic development. Shares from these countries generally have a higher risk/reward profile. A possible strategy here could be as follows: Buy, leave it and see what has become of it after 15 years.
Nevertheless, the risks should not be underestimated, as the credit business is susceptible to macroeconomic fluctuations - especially in a region characterized by inflation, currency turbulence and political uncertainty. Latin America has seen a lot of this in the past.
The time and valuation factor
Whether Nu Holdings actually offers a return potential of 1,000 % therefore depends not only on the business model, but also on the time horizon and the political and economic conditions. Such a multiplication presupposes that the company maintains its current growth momentum for years and scales profitably.
I am optimistic in this respect, even though Warren Buffett quickly revised his position. However, this need not be taken negatively, as Buffett is considered to be price sensitive. In the long term, however, Nu Holdings can easily grow into its valuation. The P/E ratio could have fallen to below 15 as early as 2027.
The article Dies ist die nächste Tenbagger-Aktie mit 1.000% Gewinn!? was first published on Aktienwelt360.
Hello everyone,
I have already built up a small portfolio (see below), which is currently quite US and tech-heavy.
My current positions:
I save the remaining positions for my little sister.
I can invest around €1,200 per month (I'm looking for 2-3 shares for this) and I'd also like to put another €2,000-3,000 into Bitcoin in the bear market.
For the savings plan, however, I am specifically looking for stocks outside the USA and without a tech focus.
Questions for you:
I would be delighted if you could share a few ideas so that I can expand my watchlist and diversify my portfolio.
Thanks in advance!
Hello my dears, @Klein-Anleger1
after the great performance in the previous months
August was unfortunately not so successful.
But September is going well again so far. And so I am YTD with + 5.04 % better than the
NASDAQ 100 + 0.16% World+ 1.14 %.
Reasons for the underperformance in August are earnings at my large position GFT and negative news at Defi Technologie.
The tariffs weighed on Embraer, and the correction in defense weighed on Kitron and AeroVironment.
Vertex's earnings were also the fly in the ointment.
Negative position: (month of August)
Defi Technology - 25.61%. $DEFI (+6,59%)
Innodata - 23.64%. $INOD (+5,27%)
Tokyo Electron - 20.95%. $8035 (+7,27%)
Vertex. - 16,38% $VRTX (+0,14%)
Aixtron. -15,53%. $AIXA (+8,67%)
Transdigm. -15,13%. $TDG (+1,02%)
Vertiv. -14,72%. $VRT (+4,13%)
Coinbase. -13,01%. $COIN (+7,79%)
AeroVironment. -11,91%. $AVAV (+4,07%)
Kitron. -7,79%. $KIT (+1,05%)
Microsoft. -7,64%. $MSFT (+0,15%)
Embraer. -4,75%. $ERJ (+1,56%)
Nvidia. -4,33%. $NVDA (+3,5%)
GFT Technology -3.67%. $GFT (+4,48%)
With so many negative positions, I am glad that I got off lightly due to my positive positions.
Plus positions: (month of August)
Gilat Satellite. +22,14%. $GILT (+2,65%)
Applovin. +18,69%. $APP (+2,66%)
NU Holdings +17.88%. $NU (+0,44%)
SoFi. +12,24%. $SOFI (+3,49%)
Alphabet. +8,95%. $GOOGL (+1,23%)
Fortescue. +8,90%. $FSUGY (+0%)
Fantastic YTD.
We are in ghe last months of bull market.
Follow the pump, follow $BTC (+1,73%)
$ETH (+1,63%)
$SOL (+4,51%)
$AVAX (+16,38%) like pump bull signal.
Be ready to trim your high beta stock.
$HIMS (+11,1%)
$OSCR
$SOFI (+3,49%)
$NBIS (-0,62%)
$RKLB (-1,47%)
$BABA (-1,99%)
$BIDU (-1,88%)
$UNH (-1,98%)
$DLO
$TMDX (+1,03%)
$ISP (+0,75%)
$AMZN (+0,24%)
$GOOG (+1,29%)
$AMD (-0,67%)
$NU (+0,44%)
Fiserv – Solid, Cheap, Well-Positioned
Fiserv is the kind of company you buy when you want stability. It’s one of the more established players in the payments and fintech infrastructure space, with sticky products and a diversified client base. The stock trades at a very low valuation relative to peers, as well as historically – with a forward P/E of 17 that looks downright cheap compared to other fintech names, especially considering the rapid earnings expansion. Debt sits around 2–3x EBITDA, which isn’t nothing, but it’s supported by strong and consistent cash flows.
The upside with Fiserv is clear: predictability and scale. The downside? Slower growth (under 10% in revenues), and sometimes the company feels a little too “legacy” compared to the new disruptors popping up in the space. Every now and then, a story pops up about Fiserv losing market share to competitors, and that may have contributed to the stock’s recent downturn.
However, I think that the business model is very sticky, and Fiserv has established strong customer relationships, which will eventually lead to a rebound of the stock. The selloff wasn’t backed up by the numbers, which is why I invested. I told myself it would be easy money, a 30–50% cycle back around ATHs. The point is: I still believe in it, and the company is very likely to do well. That said, there is a disruptor that has caught my eye more recently.
Shift4 – Founder-Led Growth Rocket
Shift4 is a very different story: much smaller than Fiserv, but growing significantly faster. The company is founder-led by Jason Isaacman – one of Elon Musk’s best buddies and a strong operator with a track record of execution. I really like companies led by innovators, passionate about their projects, who use market drawdowns as opportunities to load up their own stake.
Shift4 has built an exciting business in payments processing, and while it doesn’t have a meaningful P/E yet – due to its focus on top-line growth rather than profitability – its EV/revenue multiple is significantly lower than Fiserv’s: around 2 compared to Fiserv’s ~5. In other words: investors are still getting growth at a very reasonable price. Debt is similar to Fiserv’s, around 2–3x EBITDA, so it’s not risk-free, but manageable as long as growth continues.
The bull case here is simple: Shift4 has the speed and vision to carve out a meaningful niche, while incumbents move slower. The only issues I have are stability and the risks of a possible economic cooldown, since the company is not yet a cash-flow machine like Fiserv. It’s intriguing, and I will continue to weigh the pros and cons. The reason why I don’t want to have both in my portfolio is that my core fintech holdings are DLocal and Nu – two of my highest-conviction positions – and I don’t want to lean too much into one industry.
So 1.5 weeks have now passed. The first gimmicks are over and my Watchlist Pie has returned a total of 4.5% in one week. This has now been sold and I have built up a pie to save for the next 8-10 years. I'm starting with 50€ a week until I've completed the broker's test phase. After that I'll ramp it up to about 1k per month.
There are still a few stocks missing, but the big ones will be scaled down a bit. Among others $IREN (-3,73%) ....
What do you think of the selection?
$NVDA (+3,5%)
$GOOGL (+1,23%)
$MSFT (+0,15%)
$AVGO (-0,25%)
$005930
$AMD (-0,67%)
$TSLA (-1,58%)
$IBM (+2,52%)
$RKLB (-1,47%)
$NU (+0,44%)
$SMCI (+2,64%)
$HIMS (+11,1%)
$ENR (+3,39%)
$HOOD (+2,45%)
$PLTR (+5,5%)
$CSCO (+1,52%)
$MTX (+1,57%)
$TTD (-2,73%)
$QBTS (+4,62%)
$9866 (-0,64%)
$CRWV (+0,98%)
And what of course should not be missing is $SIKA (+0,36%) These are still weighted at 2% 😉 As a craftsman, I really enjoy using the products myself. The technological progress compared to other products such as StoCretec or others is already enormous, but it would go beyond the scope of this article.
Introduction
It has now been a little bit over a month since I published my first portfolio review. I started this portfolio on July 23 and will continue to share monthly recaps from now to, hopefully, a very long time. My goal with these updates is simple: transparency. They are to document performance regularly, explain my investment process, and create a track record of decisions that I can learn from and reflect on over time. I will focus on what worked and what did not, while keeping the macro picture and long-term perspective over short-term volatility in mind. As I pointed out in my last review, I strive to become a hedge fund manager, and while there is still a long way to go, and many lessons to be learned, this portfolio will be my primary credential for the future.
Unlike a traditional investor letter, this recap is designed to be professional yet approachable, so it can serve as a portfolio log and as a resource or inspiration for anyone interested in equity investing. Yes, I am doing this primarily because I love investing and diving into company reports and stock market news, but I also want to share my journey and hopefully be able to use my passion in a professional setting. Every month, I will share performance vs. benchmark indices, most suitable to asset allocation, highlights of the strongest and weakest performance, and any changes I have made to my portfolio. This is not about sugarcoating results. Since I genuinely want to improve, there is no point in trying to sweet talk mistakes and slip-ups. Over time, this series should build a narrative of my investing journey, through wins, theses, and most importantly long-term performance and improvement. My daily commentary usually serves as an opinion piece on companies on my watchlist or the most recent macro news, while these monthly recaps are intended to provide a comprehensive guide on my investing principles and execution.
Portfolio Performance
For the month of August, my portfolio delivered a strong +5.25% total return. Not a bad start for month one, but it is always important to remember that short-term gains are not the most meaningful metric. Consistency is key. Nevertheless, to put this month’s return in perspective, here are important benchmarks:
This means the portfolio outperformed both global and U.S. benchmarks in its first full month, which is encouraging.
However, the performance was not linear. The first few days were negative, but as the month progressed, companies reported earnings and news surfaced, several key holdings – particularly those in healthcare and fintech – drove strong upward momentum. This led to an intersection between my portfolio performance and benchmarks around the middle of the month. Since then, the portfolio has outpaced the market’s broader rally.
The outperformance cannot be attributed to one single stock, but rather a combination of multiple holdings reacting strongly. This is exactly how I want my portfolio to behave: diversified enough to avoid cluster risk, but concentrated enough to benefit meaningfully from each of my highest-conviction ideas. It is crucial to strike the balance between diversification and conviction, without sacrificing returns or risk management.
Allocation Snapshot
The portfolio currently consists of 18 equity holdings plus cash, with cash representing the single largest allocation at 35.1%.
This is a short breakdown of my portfolio:
The high cash balance is intentional. As this is the first month of the portfolio, it is important not to rush into not-well-enough researched positions only to reduce the cash quota. Even for my highest-conviction positions, like LLY or ASML, I want to remain disciplined with entry prices and only buy on pullbacks, after I initiate my first tranche. As I emphasized in my last report, I aim to invest opportunistically in great companies at discounts, and reduce my cash balance to below 10% by the end of the year. In fact, over the course of August I already reduced my cash position from 56% to 35%, by adding to and opening new positions, especially during the first half of the month.
However, I am not in a rush to close my cash holding right now, since I am convinced that this rally off the April lows is highly unsustainable, considering the economic tensions and tariff regime in place. AI hype is driving this rally, and if the enthusiasm cools down, some interesting opportunities could present.
Since I aim for high returns with acceptable risk management, the exposure to fast-growing industries like fintech and software comes naturally. However, I also own more defensive players in the energy and healthcare spaces that, in my opinion, offer a healthy risk/reward ratio not recognized enough by the market. Indeed, some of the companies I hold fall on the more expensive spectrum, but they also boast immense growth and potential for the future. My focus does not lie on momentum or trends, but rather fundamentals and underlying prospects.
Strongest & Weakest Performers
Strongest performers:
Weakest performers:
In both cases, I view the weakness as sentiment-driven rather than structural. Investors’ confidence is shattered at the moment. However, my theses on these companies have not changed. I think both of them are misunderstood and victims of short-term focus, rather than the broader picture.
Portfolio Activity
Because this was the first month, most activity was centered around building initial positions. I deliberately capped position sizes at ~3–5% each, which allows me to add more over time if conviction grows or valuations improve.
My portfolio is still “under construction.” While I reduced my cash position and invested aggressively, especially after earnings hit, I still hold a significant chunk of my portfolio in cash, which I plan to reduce by the end of the year. When I decide to buy into a company, I always do it in tranches and build a position over time, rather than buying all at once. Take Lilly for example: I opened an initial position in July and then bought multiple times this month after the earnings-related dip, and now I am almost 10% in the green with the position.
Market & Macro Context
Markets in August were shaped mainly by speculation around interest rate cuts and the earnings season, both of which contributed positively to my return. Several of my holdings jumped after stellar earnings, while others fell and therefore created opportunities to add, increasing long-term upside. Economic data was two-edged: while unemployment continued to increase, so did GDP, and tariff impacts were largely absorbed by corporations. My portfolio specifically profited from improving sentiment around some beaten-up healthcare names and increasing momentum for fintech and Latin American stocks. August has also been a good month for many tech investors due to continued growth and AI momentum.
Outlook
September historically is a very difficult month for markets. These are the key catalysts I will be looking at over the next month:
Jerome Powell has hinted at a possible rate cut at the next meeting, which the market has now priced in. It seems likely, at this point, that interest rates will be falling. However, if the Fed has a sudden change of heart, it could mean a cold awakening for stocks across the board.
On the other hand, if the most likely scenario – a rate cut – comes in, the already started shift from tech stocks to more cyclical industries profiting from lower interest rates could get a boost in September.
Apart from that, I still wholeheartedly believe that the current recovery rally from April lows is highly unsustainable and will eventually cool down, which could create buying opportunities. Whether that will be in September or a later month, I cannot determine. However, it seems strange to have such bullish sentiment ruling the markets, considering the tariff-inflicted strain on the economy. If signs of a cooling cycle thicken, markets could tumble very quickly.
Nevertheless, I am not worried about a broader pullback, since conviction is unwavering for the holdings in my portfolio. If anything, selloffs create possibilities to add to existing holdings or initiate new positions at attractive entry prices.
Closing Thoughts
This first month has been a promising start, with outperformance vs. benchmarks, and multiple adds to my highest-conviction positions. My strategy of investing opportunistically has proven correct so far. However, it has only been one month and I understand that markets fluctuate, which means that patience is key. While it is tempting to deploy cash all at once in order to ride the rally, that is not how I play the game.
In my daily comments I talked about many companies on my watchlist, some of which I will probably never own, because they do not reach my entry prices. That is not important. I have my eyes on countless stocks and continue to research new companies every day. There are always opportunities in the market, and often they are the ones most under fire.
Furthermore, I look forward to continuing this series monthly. Transparency, accountability, and consistency are the main goals. I strive to be the best investor I can possibly be, and this is my log. The target is as clear as ever: beating the market consistently and transforming that experience into the real world.
$ACWU (+0,76%)
$LYPS (+0,81%)
$CSNDX (+1,22%)
$LLY (+0,36%)
$UNH (-1,98%)
$ASML (+6,23%)
$ASML (+6,5%)
$SLB (-0,51%)
$DT (+2,23%)
$DLO
$CRM (+1,21%)
$GAMB (+2,92%)
$NOVO B (+6,8%)
$NVO (+6,86%)
$NU (+0,44%)
$NU
$MSCI (-3,31%)
$FTNT (+1,13%)
$EFX (+0%)
$FI (-0,69%)
$ERJ (+1,56%)
$OSCR
$CDLR (+2,31%)
$CADLR (+2,43%)
$MBLY
+ 5
Principais criadores desta semana