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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
4D·

My review for August 2025: facts, figures and data - honest and unembellished

August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.


Overall performance

After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:

  • TTWROR (month of August): +1.01 % (previous month: +3.82 %)
  • TTWROR (since inception): +73,69 %
  • IZF (month of August): +12.50 % (previous month: +46.14 %)
  • IZF (since inception): +10,79 %
  • Delta: +794.74 €
  • Absolute change: +1,850.61 €


Performance & volume

My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (-2,31%) falls back. Rising in terms of performance$MAIN (-1,95%) and there, too, the$SAP (-2,31%) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (+1,65%) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (-0,71%) has risen from the cellar. But this share still has a long way to go.


Size of individual share positions by volume in the overall portfolio:

Share (%) of total portfolio and associated portfolio:


Smallest individual share positions by volume in the overall portfolio:

Share proportion (%) of the total portfolio and associated securities account:


Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:


Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:


Asset allocation

My asset allocation is as follows:

  • ETFs: 38.3 %
  • Equities: 59.0 %
  • Crypto: 2.60%
  • P2P: less than 0.01%


Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

  • Planned savings plan amount from the fixed net salary: €1,030
  • Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
  • Savings ratio of the savings plans to the fixed net salary: 49.75


In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

  • Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 79.00
  • Subsequent purchases/one-off savings plans as a cashback annuity from bonuses/incentives from the KK: € 20.00
  • Subsequent purchases from other surpluses: € 30.00
  • Automatically reinvested dividends by the broker: € 3.01 (this function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)


Additional purchases were made:


If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.


Passive income from dividends

My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:

  • Number of dividend payments: 22
  • Number of payment days: 12 days
  • Average dividend per payment: € 5.83
  • average dividend per payment day: € 10.70


The top three payers are:



My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.


Crypto performance

My crypto portfolio was characterized by the partial sale of a $ETH (-0,21%) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.


Here are some key figures:

  • Monthly performance portfolio: +0.29 %
  • Performance since inception: +134.35 %
  • Share of holdings for which the tax holding period has expired: 98.55 %.
  • Crypto share of the total portfolio: 2.20 %


The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%

As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.


Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows


Outlook and a private bonus

My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.

A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.

Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.

My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.

So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!


👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How was your August at the depot? Do you have any tops and flops to report?

Leave your thoughts in the comments!

22
8 Comentários
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Olli@Olli68
4D
Health is most important 🍀
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
1Mês·

Depot July 2025: My figures and impressions

Midsummer should be in full swing in July, but summer prefers to take a breather. While the temperatures outside were rather cool for most of July, which fortunately didn't keep me from swimming and hiking, it was hot in the depot. Time for a look back.


Overall performance

In July, the portfolio made a significant leap upwards, possibly due to further crypto adoption, good labor market data, robust quarterly reports and a further decline in inflation in a positive environment. The big icing on the cake is of course the continued incoming cash flow from dividends and distributions. My key performance indicators are:

  • TTWROR (month of July): +3.82 % (previous month: +0.19 %)
  • TTWROR (since inception): +72,72 %
  • IZF (month of July): +46.14 % (previous month: 2.47 %)
  • IZF (since inception): +10,87 %
  • Delta: +€2,468.62
  • Absolute change: +€3,677.52


Performance & volume


Size of individual share positions by volume in the overall portfolio:


Smallest individual share positions by volume in the overall portfolio:


Top-performing individual stocks


Flop performer individual shares


Asset allocation

My asset allocation is as follows:

  • ETFs: 38.3 %
  • Equities: 59.0 %
  • Crypto: 2.60%
  • P2P: less than 0.01%


Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

  • Planned savings plan amount from the fixed net salary: €1,030
  • Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
  • Savings ratio of the savings plans to the fixed net salary: 49.75


In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

  • Repurchases/one-off savings plans as cashback annuities from refunds: € 70.77
  • Subsequent purchases from other surpluses: € 135.00
  • Automatically reinvested dividends by brokers: € 4.04 (Function is only activated for an old custody account, as I control the reinvestment myself)


Additional purchases were made:



If you want to know how my cashback pension tops up my share and ETF pension, please let me know.


Passive income from dividends

My income from dividends amounted to € 222.47 (€ 93.27 in the same month last year). This corresponds to an increase of +138,52 % compared to the same month last year. The following are further key figures on the distributions:

  • Number of dividend payments: 28
  • Number of payment days: 12 days
  • Average dividend per payment: € 7.95
  • average dividend per payment day: € 18.54


The top payers are:



My passive income from dividends (and some interest) mathematically covered 27.12% of my expenses in the month under review.


Crypto performance

My crypto investments have also moved:

  • Monthly performance portfolio: +9.49
  • Performance since inception: +114.72 %
  • Proportion of holdings for which the tax holding period has expired: 98.55%. Accordingly, there was one subsequent purchase in the month under review $ADA (-0,77%) ).
  • Crypto share of the total portfolio: 2.60 %


Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?


Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

  • TTWROR (current month): +3,28 %
  • Vanguard FTSE All World Dist ETF: +5.23 %
  • Vanguard S&P 500 Dist ETF: +6.41 %


Outlook and conclusion

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?


👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and budget review, you'll also find regular posts there: @frugalfreisein


👉 How was your July at the depot? Do you have any tops & flops to report?

Leave your thoughts in the comments!

25
9 Comentários
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PiHu@PiHu
4Semana
Hey there, I like your monthly review and I look forward to it every time :)
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
1Mês·

Depot review June 2025 - My investment month in figures & thoughts

The start of summer in June combined sport and leisure for me. By that I mean swimming, hiking, running and sport at home. Apart from the incoming dividends, I hardly noticed anything on the stock market. It was not the strongest distribution month due to the postponement of three distributions, but it was still a very strong one. Time for a review.


Overall performance

The portfolio tended to tread water in June, but that is no cause for concern. Bit by bit, it is fighting its way out of the lows of the customs conflict. And cash flow continues to be generated by distributions to the clearing accounts. The key performance indicators are:

  • TTWROR (month of May): +0.19 %
  • TTWROR (since inception): +65,45 %
  • IZF (month of May): +2.47 %
  • IZF (since inception): +10,21 %
  • Delta: +€148.63
  • Absolute change: +1,173.63 €


Share allocation & performance

Which shares performed particularly well in June? Which are at the top and which at the bottom of the rankings? Which were the biggest losers?


Size of individual share positions by volume


Smallest individual share positions by volume:


Top-performing individual shares


Flop performer individual shares


ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.7% to 61.3%. This differs from the breakdown of my ETFs to equities savings plans (43% to 57%). Equities have performed better, which is due to the fact that I also include high-dividend ETFs in the ETFs.


Investments and additional purchases

Here is a brief overview of what I have invested in savings plans according to my fixed planning.

  • Planned savings plan amount from the fixed net salary: €1,030
  • Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
  • Savings ratio of the savings plans to the fixed net salary: 49.75


In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

  • Subsequent purchases/one-off savings plans as cashback annuity from refunds: € 32.32
  • Automatically reinvested dividend by broker: € 7.25 (Function is only activated for an old custody account, as I want to control the reinvestment myself)


Additional purchases were made from other surpluses:


There were no additional purchases from the components of my cashback pension (e.g. reimbursements from health insurance premiums, insurance premiums, shopping vouchers, etc.) this month.


If you would like to know how my cashback pension supplements my equity and ETF pension, please let me know.


Passive income from dividends

My income from dividends amounted to € 152.30 (€ 179.04 in the same month last year). This corresponds to an increase of -14.94 % compared to the same month last year. The following is further key data on the distributions:

  • Number of dividend payments: 31
  • Number of payment days: 15 days
  • Average dividend per payment: € 4.91
  • average dividend per payday: € 10.15


The top payers are:



My passive income from dividends (and some interest) mathematically covered 15.91% of my expenses in the month under review.


Crypto performance

My crypto investments also moved a little:

  • Monthly performance portfolio: +3.81 %
  • Performance since inception: +79.49 %
  • Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
  • Crypto share of the total portfolio: 2.19 %


I find the topic exciting, but it is very underrepresented in my overall portfolio due to my passive income strategy. The first profits have already been realized and more will definitely follow. For me, crypto is a lever to turn play money into even more play money, which is then put into the solid distributors to make the income snowball grow bigger and bigger. New accumulation will take place in the coming bear market.


Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:


Outlook and conclusion

I'm using the summer, which has already begun, not only for hiking, but also for city trips for my "non-financial" TikTok and Insta channel. I can often be found at one of the lakes near Leipzig, which were once created from the open-cast mining pits of the brown coal era. It's nice that the lunar landscapes have become a local recreation area. That's why I'm less active at the moment. That will certainly change again in the fall.

For now, I'm just enjoying life, and my money continues to work stubbornly and steadily for me in the background. Current events in the world and in politics don't interest me in the slightest. As I write this review, the first third of the summer will soon be over.


👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 You'll find regular posts there as well as the portfolio and budget review: @frugalfreisein


How did your June at the depot go? Do you have any tops & flops to share? Leave your thoughts in the comments!

26
14 Comentários
fbi191@fbi191
1Mês
and? who should be interested in this, can you learn anything from it? probably not!
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
3Mês·

Depot review May 2025 - My investment month in figures & thoughts

BEFORE: I have completely revised my portfolio review. There are now even more in-depth figures to see and I have greatly reduced the body text. Only my introduction is a little more detailed. The visual overview on Instagram has also been completely revamped. There is also a budget review, which I am not publishing here as a post. However, I have included a few key figures from this one in the portfolio review.

I am very happy about likes here at GQ and on both IG posts, as the complete renewal has cost me a lot of nerves and time. 🙃 If you also want to know how my personal finances have developed, I'd like to refer you to my personal budget review on Instagram.

In future, I will publish my detailed assessments on individual topics that were previously part of the review (such as crypto cycles or my succession strategy for crypto) separately in individual posts on GQ. Perhaps as a kind of supplementary post.

Are you missing important key figures or do you have suggestions for optimization? Constructive suggestions are always welcome.


For me, May was characterized by calm and composure, because I kept the noise of the markets and US trade policy away from me. I can do no more than simply buy more. I like to refer here to the stoic way of thinking, which focuses on prioritizing what you can influence. And that is my personal development. So that meant doing sport (at home with YouTube cardio and strength, abs, core, running), stockpiling Instagram posts so that I have some breathing space in the summer and delving deeper into the topic of AI. And the tax return was also completed. Meanwhile, dividends have been stable with the second strongest month ever, which was April. Time for a deep dive into my figures.


Overall performance

My portfolio performed well in May. Bit by bit, we are fighting our way up from the tariff lows. The key performance indicators are

  • TTWROR (month of May): +4.83 %
  • TTWROR (since inception): +65.84 %
  • IZF (month of May): +74.24 %
  • IZF (since inception): +9.94 %
  • Delta: +€3,368.39
  • Absolute change: +4,486.96 €



Share allocation & performance

Which shares performed particularly well in May? Which are at the top of the chain and which at the bottom? Which were the biggest losers?


Size of individual share positions by volume

Share: Share of total portfolio in % (portfolio)


Smallest individual share positions by volume:

Share: Share of total portfolio in % (securities account)


Top-performing individual shares

Share: Performance since first purchase % (securities account)


Flop performer individual stocks

Share: Performance since first purchase % (securities account)



ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.8% to 61.2%. This differs slightly from the breakdown of my ETFs to equities savings plans (43% to 57%).


Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

  • Planned savings plan amount from the fixed net salary: €1,030
  • Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
  • Savings ratio of the savings plans to the fixed net salary: 49.75


In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

  • Subsequent purchases as a cashback annuity from refunds: € 70.50
  • Dividend automatically reinvested by broker: € 2.99


Additional purchases: as one-off savings plans as part of my cashback pension, reinvested discounts from previous grocery and drugstore purchases and a refund from the health insurance bonus program.



If you want to know how my cashback pension tops up the share and ETF pension, please let me know.


Passive income from dividends

My income from dividends amounted to € 163.13 (€ 89.68 in the same month last year). This corresponds to an increase of +42.32 % compared to the same month last year. The following is further key data on the distributions:

  • Number of dividend payments: 11
  • Number of payment days: 21 days
  • Average dividend per payment: € 14.83
  • average dividend per payment day: € 7.72


The top payers are:



My passive income from dividends (and some interest) mathematically covered 21.08% of my expenses in the month under review.


Crypto performance

My crypto investments also moved a little:

  • Monthly performance portfolio: +0.72%
  • Performance since inception: +70.90%
  • Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
  • Crypto share of the total portfolio: 2.23%


I find the topic exciting, but it is very underrepresented in my overall portfolio due to my strategy. Profits have long since been realized, my focus here has long been elsewhere. Accumulation will take place in the coming bear market.


Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:



Outlook and conclusion

According to the tax estimate, I can expect a tax refund. When this arrives, part of it will be donated and the rest will of course be reinvested. May was also a no-spend month for me and, as a convinced frugalist, this went off without a hitch. I was able to reflect more closely on my spending behavior and even found further potential despite my basic low spend attitude. Now I'm preparing a Hartz IV/citizen's allowance experiment for at least 3-4 months (or more) for the second half of the year. Simply because I feel like challenging myself. My planned expenses and provisions according to the budget only just exceed my theoretical entitlement to citizen's allowance. More info coming soon on Instagram. After March and April, I was again able to record expenses of less than €1,000 per month in May. This will change in June due to a large annual insurance premium, but maybe I'll be lucky and stay at a maximum of €1,100 to €1,200. As in the previous months, I will continue to use the early summer in June for hiking, swimming and day trips.


👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 As well as the depot and budget review, there's also: @frugalfreisein

  • One-pagers and carousel posts every Monday, Wednesday and Friday on topics such as wealth accumulation, frugalism and minimalism
  • more story insights in the future
  • Mindset, motivation & money-saving life hacks for your own journey


How was your May at the depot? Do you have any tops & flops to share? Leave your thoughts in the comments!

29
8 Comentários
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Dividendenopi👴@Dividendenopi
3Mês
Very detailed presentation and many details, thank you at this point for your effort and work. I don't quite understand about the dividends. 🤔 On the one hand, you write that they amount to 163 euros, along with a small amount of interest. And amount to a fifth of your expenses. On the other hand, you reinvest dividends amounting to 110 euros. Does the reinvestment run under expenses in your calculation? And I know that real frugalists can be real hardliners when it comes to costs, and to a certain extent they have to be. Then your monthly expenses would be a little over 800 euros.... That's really hardcore. Hats off to you. Thank you for more information and continued maximum success on your journey
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
7Mês·

Looking back to January 2025

January is over. The first month of the year was relatively quiet for me: one hike and two ice baths in sub-zero temperatures. The investment knew what to do by itself. Time for a look back.


I present the following points for the past month of January 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK



➡️ Shares


After a strong month in December, my heavyweight among the individual stocks has $AVGO (+1,11%) lost a bit of steam during the month, but is still up by over 250% overall. A performance that I did not expect when I selected my stocks.

On the other hand $NFLX (+0,97%) and $SAP (-2,31%) are performing well. Netflix with +179% and SAP now also in triple digits with +118%. Both are in 3rd and 4th place in terms of volume. $WMT (+0%) now with +105%, also a doubler. It gets exciting behind them, the financial stocks are rising. $BAC (-0,21%) ,$V (-0,47%) and $MA (+0%) continue to push forward. Is this now a sign that financial stocks will generally rise again? It's well known that profits are rising there. I suspect that the stock market will now price in Trump's deregulation of the sector.

The red lanterns will once again go to the usual suspects $NKE (+0,06%) , $DHR (-1,16%) and $CPB (-0,71%) . All stocks are now performing even worse at -35%, -29% and -22%. They are among the smallest positions in my main equity portfolio with the $DHL (-0,05%) . I'm not worried about the big drop yet, but I'm already taking a closer look. I would have expected Danaher in particular to be back in the black after the last split.



➡️ ETFs


ETFs are doing their thing as usual. What else can you say except the typical?



➡️ Distributions


I received 23 distributions on 12 payout days in January. I am grateful for this additional income stream. Everyone should build up their additional income this way.



➡️ Cashback


There was no cashback payment received in my accounts in January. The separation of REWE and Penny with Payback is making itself felt and I have to come up with a new system for continuing my "cashback pension". So far, I'm thinking about adding up the rebates on the receipts and transferring these amounts from the grocery account to the clearing accounts in order to invest them in one-off savings plans. However, I would only do this once a month because of the administrative effort involved. For DM, Payback continues as usual. But what I like about the REWE and Penny apps is that you can save the discounts in them, so I could use my old system there again. In the meantime, Kaufland is also coming back into focus for my weekly shopping.



➡️ Repeat purchases


There was a subsequent or new purchase of an ETF for my crypto successor portfolio, which was financed from a triggered BTC limit order. I invested in the $EXX5 (-0,54%) .



➡️ P2P loans


With my last P2P platform, Mintos, there was a redemption payment in the cent range, otherwise the platform continues to hang on my leg like a ball and chain. I will gradually withdraw everything here and hopefully end my involvement in this asset class as soon as possible.



➡️ Crypto


January offered crypto investors a BTC ATH on Trump's inauguration on the one hand, but otherwise we are more likely to be dealing with a sideways market on the whole. As mentioned, I triggered a BTC sell limit order on the day of the inauguration. And it was even very close to the ATH. Around 1/3 of my total holdings have been sold since the beginning of November. I am still far from satisfied. But I need higher prices for further sales. Is my strategy working? Or is the bull market already over? I think it will continue, but not for much longer.



➡️ And what else?


Like many of you, I'm feeling the effects of the changes due to rising social security contributions and rising costs. My budget is set up so that my budgets and lump sums work on their own and I've managed well with my budget sizes too. The amount invested each month via savings plans was as large as possible. In the end, there was always an amount left over that went into my nest egg, the last bit, so to speak. This remaining €100 more than halved in January. On the one hand, it's not a problem, I could simply cut back on the savings plans, but I don't want to do that. I can't reduce my spending any further myself. I'm in a salary round, but it's very likely that I won't get a pay rise this year. I'm happy that my second income stream is growing steadily, even if it's not yet significantly noticeable. Now I'm thinking about how I can earn even more money, because taxes are set to rise further, not just social security contributions, the greedy state and greedy politicians are targeting our investment income and interpreting unfair taxation. Unfortunately, they are completely ignorant, because they do not understand that this is already taxed when it is taxed again for us investors (or has already been taxed twice - keyword withholding tax), or that social security contributions on it would mean a further entitlement to benefits from the funds for us as investors. And not just for us, but also for international investors. In contrast to rental income, for example, the deduction for capital income is immediate and not deferred. These are all considerations that are not taken into account by tax increase enthusiasts. Demanding tax increases in a high-tax country is proof of a lack of reality either way. For me, the entire state should continue to be slimmed down.

So you can see from the current political discourse that the state only wants to take away, instead of ensuring that citizens build up something for themselves with effort and sweat, which they then know how to look after and appreciate. However, a considerable promotion of private asset accumulation means that citizens may not need any or significantly fewer pension payments to ensure an adequate old age. I look with some envy at other countries that have much more sophisticated pension systems or sovereign wealth funds. I once wrote an article about the systems in Norway and Sweden.



➡️ Outlook


In February, I can expect reimbursements from the health insurance companies and the dental supplement, which I will invest in in the February review. Until then!




Links:

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

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DerMartin@DerMartin
7Mês
I love your reports. Thank you.
But instead of relying on cashback at Edeka, Kaufland and the like, I just shop at Aldi or Lidl. In the end, it's cheaper than the former with cashback.
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
8Mês·

Month in review December 2024

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 (+1,11%) 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 (+0,97%) and $SAP (-2,31%) 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 (+0%) . The retail chain will soon become a doubler for me.

The red lanterns will once again go to the usual suspects $NKE (+0,06%) , $DHR (-1,16%) and $CPB (-0,71%) . 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 (-0,05%) However, across all portfolios, the smallest positions are the new additions $SHEL (-0,32%) and $HSBA (+0,86%) .



➡️ 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 (+0,06%) and $JEGP (-0,74%) 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 (-0,74%) , $GGRP (+0,06%) and $SPYD (-0,79%) . 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 (-1,5%) have left me, as has a first tranche $UNI (-0,18%) and a first tranche $BTC (-0,34%) . I have invested the proceeds in $HSBA (+0,86%) and $SHEL (-0,32%) 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.

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Tobi@Tobiwankenobi500
8Mês
Nice contribution!
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Aktien Stammtisch
@Aktien_Stammtisch
9Mês·
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Hennington Research
@HennRes
1Ano·

What we can expect next week:


Monday, June 3:

  • S&P Flash U.S. Manufacturing PMI (May)
  • Construction Spending (April)
  • ISM Manufacturing (May)
  • Quarterly reports from GitLab ($GTLB (-0,58%) ) and Science Applications International Corp. ($SAIC (-2,75%) )


Tuesday, June 4:


Wednesday, June 5:


Thursday, June 6:


Friday, June 7:

  • Labor Market Report USA (May)
  • Consumer Credit (May)
  • Wholesale inventories (April)


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Hennington Research@HennRes
1Ano
Im Bild: Canary Wharf
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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽
@frugalfreisein
1Ano·

A good tailwind is also blowing in February, not only on the traditional stock market, but this time also on the crypto markets. Time for a monthly review, starting with my portfolios.


➡️ Shares


There was a small reallocation among the largest positions in terms of volume.$AVGO (+1,11%) ,$FAST (-0,39%) and $NVO (+1,12%) form the top, $MSFT (+0,77%) slips to 4th place, perhaps a first consolidation for Copilot? I am particularly pleased with Broadcom, which is up +140% and has exceeded my position volume of €1000.

In the performance sorting $NFLX (+0,97%) rises to 3rd place with a good +82%. I am pleased with this development, while I can influence the volume by making additional purchases, this is not the case with performance. I remember about 1.5 years ago when the Netflix share was in the basement of my portfolio and was supported by reinvesting dividends. That's how it has to go!


The positions with the red lantern are $MMM (-1,11%) ,$DHR (-1,16%) r and $CPB (-0,71%) . For the last two, the business models are right for me and I am sticking with them. As far as 3M is concerned, my mindset is now changing. I can still bear the loss, but I no longer completely rule out a sale. Even if it goes against my own rules, I think a sale is possible, for example to offset capital gains at the end of the year. A sale is the last resort for me and the 3M sticky notes on my office desk no longer lift my spirits with regard to this stock.


There will be a bonus from the employer, but it will be much smaller than I thought. So I will probably have to choose between$UPS (-0,64%) and $JPM (+0,58%) and . The decision is difficult, but I'm leaning towards the logistics giant. The losing company will be bought later, at the latest with the next bonus.


On the other hand, I have invested extra money from health insurance refunds and dental supplements in$HTGC (-1,38%) in order to supplement my$ARCC (-4,79%) position with another BDC. Stocks with very high dividends are rather rare for me, as I usually pay more attention to dividend growth, but I really liked Hercules Capital, and another tranche will be added when I receive a credit from the upcoming electricity bill.



➡️ ETFs


They do their job. Growing slowly and steadily and paying out a few more thalers along the way. A small sum from a sale fed a one-off savings plan on a legacy portfolio.



➡️ Distributions


I was able to collect 17 distributions on 7 payout days. What a great thing! On 15.2. in particular, it paid out decent dividends.



➡️ Cashback


I am in love with cashback. Money flowed back into an old deposit in line with my "cashback pension" strategy in order to top up further. The money comes from the equivalent value of redeemed payback points and real cashback, which I always deduct from my normal (food) budget to make this "benefit" work for me in the best possible way.

I also went hiking and Mother Nature was kind enough to provide me with cashback in the form of beer bottles. I will soon be taking these away with others and investing the equivalent value of the deposit. Incidentally, I haven't drunk alcohol for years. :D

In February, I published two Instagram posts on the topic, also looking at it from the perspective of habits.



➡️ P2P loans


I don't think I'll live to see the day when I withdraw all my funds from P2P. There have been a few repayments from EstateGuru, interest is extremely delayed there too, with the exception of Bondora Go&Grow.



➡️ Crypto


Things took off at the end of February and I'm no longer completely unimpressed by the prices. However, it is still too early to cash out. The BTC rainbow chart is already at a level where you should start paying attention, and the ETH rainbow chart is even clearer. The crypto cycle, on which I base my entry and exit, was visible at a smaller time level in the last week of February. I am still completing my sell targets. I have already written something about this and the strategy in general here: https://getqu.in/CsQaHU/

I think this makes it understandable why I am not yet betting on HODL at the moment.

I will definitely publish an article as soon as my levels are finalized, which you can read here.



➡️ Interim New Year's goals


Here is the interim status of "non-monetary goals" or habits that I want to continue, consolidate or expand:

- Exercise every morning: ☑️

- Walk every evening to switch off: 28 out of 29 days ☑️

- Normalize sleep rhythm + get up at 7:30 a.m. at the latest during the week: ❌

- Fast 3x for at least 7 days: 1 out of 3x so far, but not done satisfactorily => ⭕️

- Mindset and good contacts: Finding new contacts who tick like me and want to get on in life instead of nagging I'm still looking for. => ❌

- Daily reading: 28 out of 29 days ☑️

- Educate and further my education (without a real end goal): Continuing to work with Wordpress and attending a business seminar ☑️☑️


There is still a lot to do. Have a great March. Attached are my own shots of nature beginning to awaken.


This report is already a bit shorter than in January, I'm trying to make it even shorter, but just bullet points are not enough for me, that's just not my style. 😄

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Das Portfoliopferd@Portfoliopferd
1Ano
Statistically, February has always been the best crypto month :)
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Hennington Research
@HennRes
1Ano·

The upcoming week summarized:



Monday

  • Publication of the quarterly reports of GitLab ($GTLB (-0,58%) )
  • Speech by Philadelphia Fed President Tom Harker


Tuesday

  • Release of factory orders (January) and the ISM Services PMI (February)
  • Super Tuesday pre-elections in 16 states
  • Quarterly reports from CrowdStrike ($CRWD (+1,24%) ), Target Corp ($TGT (-1,88%) ), Ross Stores ($ROST (-0,84%) ) and Nordstrom ($JWN )


Wednesday

  • Release of the ADP Employment Report (February)
  • Statements from Fed Chair Jerome Powell before the House of Representatives
  • Publication of wholesale inventories (January), job vacancies (January) and the Federal Reserve Beige Book
  • Speeches from San Francisco Fed President Mary C. Daly and Minneapolis Fed President Neel Kashkari
  • Quarterly reports from Campbell Soup ($CPB (-0,71%) ) and Abercrombie & Fitch ($ANF (-0,44%) )


Thursday

  • Statements by Fed Chair Jerome Powell before the Senate
  • State of the Union Speech
  • Publication of initial applications for unemployment benefits (March 2), productivity (revisions to the fourth quarter) and the trade balance
  • Speech by Cleveland Fed President Loretta Mester
  • Quarterly reports from Broadcom ($AVGO (+1,11%) ), Costco Wholesale Corp ($COST (-0,89%) ), Kroger Company ($KR (-1,92%) ), Marvell Technology ($MRVL (-0,14%) ) and Victoria's Secret ($VSCO (+4,92%) )


Friday

  • Release of the USlabor market report (February)
  • Speech by New York Fed President John C. Williams
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Hennington Research@HennRes
1Ano
The picture shows the UNO City & Financial District, in Vienna. This is one of the 4 locations of the UN around the world (New York, Geneva, Nairobi & Vienna)
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