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 (+4,08%) Nestle

$CTAS (-0,09%) Cintas (savings plan)

$RACE (-0,5%) Ferrari

$D05 (+0,91%) DBS

$UNH (-6,94%) United Health

$V (-0,16%) visas

$CSNDX (-1,63%) 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 (-0,25%) Anglo American PLC (+37%)

$IBM (-0,47%) (+26%)

$BAC (-0,56%) Bank of America (+45%)

$UKW (-0,76%) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (-0,91%) Starbucks (+10%)

$BIGG (-0,98%) 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 (-0,77%) 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. 😊

I have now decided to reallocate the European stocks. The money is now flowing into Vertex Pharmaceutical $VRTX (+0,82%) and Cintas $CTAS (-0,09%) and my ETF $SPYI (-0,98%)

Could not resist. 🥹

$CTAS (-0,09%) falls brutally after good figures and earnings!

Do you also find the share interesting at the moment?

Earnings next week.

Not much will happen before the holidays.

$RCAT (-8,02%)
$GIS (+3,06%)
$MU (-4%)
$LEN (-1,45%)
$ACN
$CTAS (-0,09%)
$DRI (-1,59%)
$PAYX (-0,77%)
$NKE (-0,48%)
$FDX (-5,06%)
$CCL (-5,14%)

But very interesting companies that might be found in one or the other portfolio here.

A successful week before the holidays.🙋🏼‍♂️

Earnings next week 🗓️

$MU (-4%)

$NKE (-0,48%)

$CCL (-5,14%)

$FDX (-5,06%)

$RCAT (-8,02%)

$ACN

$BB (-5,45%)

$LEN (-1,45%)

$DRI

$CTAS (-0,09%)

$MAMA

$FDS (-0,53%)

$GIS (+3,06%)

$HEIA (+0,74%)

$ABM (+0%)

$WGO (-1%)

$AMTM

$BIRK (-3,71%)

$REE

$TTC

$CAG

$AVO (+0%)

$MLKN (-1,84%)

$PAYX (-0,77%)

$KMX (-3,13%)

$FCEL

$SCHL (+3,96%)

$SCS

$WS (-1%)

$LW (-1,73%)

$QIPT (-50,94%)

$CMP

$MITK (+1,25%)

$JBL (-2,01%)

$EPAC (-2,25%)

$OGI

$RICK (-2,06%)

$CTAS (-0,09%) Why is it down almost 8 percent today?

Hellas Investment Community,

How do you deal with companies that convince you of their business model but run permanently?

Notable mentions:

$FICO (-1,51%)

$CTAS (-0,09%)

$MCO (-1,54%)

$SPGI (-0,29%)

$COST (+0,22%)

I've been watching all these companies for some time now and I'm seeing them run away from me.

Valuation-wise they are getting more and more expensive and were already extremely expensive at the time of first contact. Every time I analyze them, I decide not to buy them only to see them gain another 20% a few months later.

How do you approach such companies? How do you value them? How do you fight your FOMO here?

Good return and best regards from Vienna