Postos
32The year 2025 is off to a very good start for many financial stocks ($JPM (-0,57%)
$SOFI (-4,68%)
$NU (-11,11%)
$V (-0,16%)
$MA (-0,3%)
$C (-1,37%)
$GS (-2,21%) )
but not much is happening at Blackrock so far
since I find the sector very exciting and the stock did well last year, I will take the opportunity and further expand my position
(buy and hold forever if possible)
Dear friends of Getquin,
I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.
The beginnings:
It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.
Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.
The first few years:
My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.
Getting into real shares:
In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.
The first losses:
After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.
Don't give up:
After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.
The clean cut - a new start:
In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.
The new era:
When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.
Fun fact:
My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.
Goal:
I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.
Thank you:
A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.
I hope you like the revised version! The text is now more clearly structured, reads more smoothly and still retains your personal style.
Please let me know if you liked my story!
A little tip: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.
$CSPX (-1,14%)
$ETH (+0,84%)
$BLK (-1,16%)
$GS (-2,21%)
$XDWD (-0,98%)
$V (-0,16%)
$MC (+0,4%)
$MS (-1,6%)
$QCOM (-4,11%)
$JNJ (+2,12%)
$ASML (-0,72%)
$RBOT (-2,12%)
$LOCK (-1,22%)
$MRK (+2,28%)
$UNP (-0,01%)
$NKE (-0,48%)
$QDV5 (-0,66%)
$MA (-0,3%)
$TGT (-2,56%)
$PEP (+3,26%)
$NU (-11,11%)
$AAPL (+0,26%)
$TSLA (-4,32%)
$DOGE (+0,54%)
$BTC (+0,53%)
$BRK.B (-0,13%)
$PEPE (-3,73%)
We all know $BLK (-1,16%) may also have an iShares ETF in our portfolio, but Blackrock itself is actually a large ETF. Very broadly positioned, highly profitable, very broadly represented in politics and lobbying.
I'm thinking about liquidating my ETF and simply $BLK (-1,16%) as a "retirement provision", as an ETF replacement. My 3 $BLK (-1,16%) shares I still got for €595 each.
just my random friday thoughts:
No investment advice.
Hello everyone,
I thought it was time to share my portfolio again and face your criticism👀.
Income: ~900€ net
I save an average of ~€200 per month with special payments and started investing when I started my training: 01.08.23
Brief explanation:
Deka Fond: These are capital-forming benefits (13€ AG / 27€ AN per month)
Had to take an active fund here
Core (planned; distribution not quite right yet)
70% ACWI $ISAC (-1,03%)
10% AI & Big Data
10% India $FLXI (-0,55%)
10% Small Caps
Satellites:
Blackrock 👑 $BLK (-1,16%)
Monster 🧃 $MNST (+4,14%)
Realty Income 🏡 $O (+1,37%)
Novo Nordisk 💉 $NOVO B (+5,32%)
ASML 🔬 $ASML (-0,72%)
LVMH 👜 $MC (+0,4%)
BAT 🚬 $BATS (-1,84%)
Looking back, I'm satisfied with the return so far, knowing that the ACWI alone would probably have performed better on its own. Especially in the first few months, I learned the hard way and tried things out a bit. A few individual stocks are part of the fun, which increases interest in investing in general.
Goals for 2025:
Expand the core, especially the ACWI
Bring individual stocks to €200
"The US economy has proven to be robust. Unemployment remains relatively low and consumer spending remained strong through the vacation season. Businesses are more optimistic about the economy and are encouraged by expectations of a more growth-oriented agenda and improved cooperation between government and business."
"However, two significant risks remain. Current and future spending needs are likely to be inflationary and therefore inflation could persist for some time. In addition, geopolitical conditions remain the most dangerous and complicated since the Second World War. As always, we hope for the best, but are preparing the company for a variety of scenarios."
$C (-1,37%) , $WFC (-1,02%) , $BAC (-0,56%) , $DBK (+0,12%) , $SOFI (-4,68%) , $BLK (-1,16%) , $MS (-1,6%) , $HSBA (+1,02%) ,
Very strong result
Q4 Segment Performance:
Consumer & Community Banking (CCB):
Commercial & Investment Bank (CIB):
Asset & Wealth Management (AWM):
Operational Metrics:
Capital Distribution:
Financial Overview:
Comment from CEO Jamie Dimon:
Strategic focus and outlook:
$SOFI (-4,68%) 🚀, $WFC (-1,02%) , $JPM (-0,57%) , $MS (-1,6%) , $C (-1,37%) , $BLK (-1,16%)
Very strong result
Q4 Segment Performance:
Consumer & Community Banking (CCB):
Commercial & Investment Bank (CIB):
Asset & Wealth Management (AWM):
Operational Metrics:
Capital Distribution:
Financial Overview:
Comment from CEO Jamie Dimon:
Strategic focus and outlook:
$SOFI (-4,68%) 🚀, $WFC (-1,02%) , $JPM (-0,57%) , $MS (-1,6%) , $C (-1,37%) , $BLK (-1,16%)
Business Segments:
Operational Metrics:
CEO Commentary:
BlackRock's strong quarterly results demonstrate our resilience and ability to capitalize on opportunities in evolving markets. Our continued investment in technology and sustainable products underscores our commitment to long-term client value."
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