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

• Stay true to the strategy
• No new stocks in the portfolio, rather clear out
• 100,000€ portfolio value
• 2000€ net dividend
• Investment of €17,000 (without reallocation)

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 (-0,25%) Nestle

$CTAS (+0,14%) Cintas (savings plan)

$RACE (+0,24%) Ferrari

$D05 (+1,78%) DBS

$UNH (+0,28%) United Health

$V (+0,08%) visas

$CSNDX (+0,08%) Nasdaq 100 (savings plan)

$XEON (+0,01%) 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 (+0,11%) Anglo American PLC (+37%)

$IBM (-0,14%) (+26%)

$BAC (+0,25%) Bank of America (+45%)

$UKW (+0%) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (+0,02%) Starbucks (+10%)

$BIGG (+2,09%) Bigg Digital Group (-95%)

Unfortunately, I sold IBM and Bank of America too early, but I am still satisfied.

What else has happened?

• I bought Bitcoin from TR to estimate the costs. Conclusion: savings plan is always around 3-4% higher. Not worth it, if at all then individual purchases
• Weingut Dürnberg: First dividend received and prospects look reasonable. Depending on how the grape harvest turns out next year, a dividend will be paid again and investments can still be made.
• The conservatory and paving the courtyard are done. The house construction is more or less finished, everything else will take time and are small things, but now I have to start saving again as I only have a small nest egg and my deposit. All other funds have been used up as the costs were twice as high as originally planned.
• Podcast with @Koenigmidas is running rather slowly this year due to personal time constraints. You can find the latest episode here: Link zur Folge (also available on Amazon)

Outlook for 2025

So what are my plans for 2025 in terms of finances?

• Investment of €15,000
• Net dividend of €2,400
• One slightly greater focus on high dividend stocks (e.g. to increase $HTGC (-0,84%) to increase the cash flow a little faster)

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. 😊

BREAKING NEWS: $SOFI (-0,02%) - The Biden administration has withdrawn its plan to forgive student loan debt for some 38 million Americans.

This should finally put it off the table.

To put it in perspective, although the Supreme Court had already ruled it unconstitutional, borrowers were once again to be exempt from paying interest on regular payments, receive US$10,000 debt forgiveness and not have to repay the loan at all below certain income limits. This new plan/attempt has now been dropped, resulting in $SOFI (-0,02%) has led to a lack of income during Corona.

Who $SOFI (-0,02%) do not yet know, please take a look:

https://getqu.in/M3ToeR/

🎅🎄🌲🚀

$JPM (+0,12%) , $MS (+0,11%) , $BAC (+0,25%) , $C (+0,06%) , $WFC (+0,07%)

Focused on growth: savings plan execution in the dividend growth portfolio

Five savings plans of € 25 each were executed today as part of my dividend growth portfolio.

• $BAC (+0,25%)
• 
  $CNR (-0,27%)
• 
  $KO (+0,21%)
• 
  $MA (-0,18%)
• 
  $MSFT (+0,13%)

This selection represents a mix of proven dividend payers and growth companies operating in different sectors. With a clear focus on long-term capital appreciation and dividend growth, each savings plan forms a building block for stable, passive income and sustainable asset growth.

Which savings plans did you execute this month?

Feedback - Dividend growth portfolio

Hello everyone, I have recently built up a dividend growth portfolio.

It should consist of 5 shares and these should have a low dividend yield, whereby the dividend growth should be all the higher.

I have decided on the following 5 stocks, but I am prepared to change them.

• $BAC (+0,25%)
• 
  $CNR (-0,27%)
• 
  $KO (+0,21%)
• 
  $MA (-0,18%)
• 
  $MSFT (+0,13%)

Coca Cola probably doesn't seem to be the right candidate for the portfolio or am I wrong here?

What do you think of the portfolio? Weighting? Sectors, countries?

American Express
$AXP (+0,15%) has secured its place as the second largest holding in the portfolio of Warren Buffett and Berkshire Hathaway $BRK.B (-0,05%) and thus secured Bank of America
$BAC (+0,25%) from second place.

Warren Buffett and Berkshire Hathaway $BRK.B (-0,05%) currently hold Apple shares
$AAPL (+0,09%) worth about 69,9 billion US dollars (as at the end of the 3rd quarter), compared with a previous value of 84,0 billion US dollars.

The cash position at the end of the third quarter amounted to 325,2 billion US dollars, a new all-time high, up from 276,9 billion US dollars at the end of the second quarter.

The Apple share rose by 10.75 % in the third quarter.

If Buffett had not sold any Apple shares during the quarter, his position would now be around 93,3 billion US dollars.

At the end of the third quarter, the largest equity holdings Warren Buffett and Berkshire Hathaway were as follows:

-25,7 % - Apple
$AAPL (+0,09%)(compared to 29.6% at the end of Q2)

-15,1 % - American Express
$AXP (+0,15%)

-11,7 % - Bank of America
$BAC (+0,25%)

-10,6 % - Coca-Cola $KO (+0,21%)

-6,4 % - Chevron
$CVX (-0,01%)

Photo: Bloomberg

Another great picture of Quartr

$MA (-0,18%)
$V (+0,08%)
$JPM (+0,12%)
$BAC (+0,25%)
$GOOGL (+0,09%)
$AAPL (+0,09%)