🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (+4,71%) and $TSM (+0,17%) were proved wrong.

To my delight $RSG (+1,28%) , $V (+0,74%) and $DE (+3,12%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD: -3.65 %

📉 TTWROR: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (+1,28%) +15,81%

🥈 $V (+0,74%) +6,69%

🥉 $DE (+3,12%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (+0,17%) -19,13%

🥈 $ASML (-1,43%) -10,71%

🥉 $IS3R (+0,82%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (+0,51%) x5,55

🔄 03/2025: $IS3R (+0,82%) x2,80

🔄 03/2025: $5MVL (-0,16%) x1,83

➡️ 03/2025: $TSM (+0,17%) x1,726

➡️ 03/2025: $ZTS (+1,88%) x2,093

➡️ 03/2025: $UNH (+4,71%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (+0,74%) +1,05€

💸 03/2025: $ZTS (+1,88%) +2,28€

💸 03/2025: $UNH (+4,71%) +1,97€

🔄 02/2025: $ISAC (+0,51%) x6,8

🔄 02/2025: $MEUD (+0,55%) x0,50

⬅️ 02/2025: $BRK.B (+1,26%) +51,29€

⬅️ 02/2025: $PG (+0,36%) +543,98€

💶 02/2025: Interest +25.20€

💸 02/2025: $DE (+3,12%) +4,06€

💸 02/2025: $ASML (-1,43%) +2,68€

💸 02/2025: $COST (+1,47%) +0,03€

💸 02/2025: $PG (+0,36%) +2,83€

🔄 01/2025: $ISAC (+0,51%) x5,75

🔄 01/2025: $MEUD (+0,55%) x0,53

➡️ 01/2025: $UNH (+4,71%) x1

➡️ 01/2025: $TSM (+0,17%) x2

➡️ 01/2025: $BTC (+2,2%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (+1,28%) +1,16€

💸 01/2025: $SYK (+1,22%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

Hi

I am looking for additions to $CAT (+0,96%) except $DE (+3,12%) .

What would be your addition and why?

The USA has had a permanent trade deficit for over 50 years. It imports more than it exports. Why is that? Because they have focused on high-tech. While other countries have built their factories for washing machines $WHR (-0,94%) sneakers $NKE (+1,6%) and tractors $DE (+3,12%) kept their factories running, the Americans preferred $MSFT (+0,27%) , $GOOGL (+1,27%), $NVDA (+0,4%) and $V (+0,74%) raised them. Technology instead of cheap production.

But: no world power can manage in the long term without industrial production. Trump now has three possible paths ahead of him:

1. introduce tariffs. Sounds like a heavy hand, but it often leads to less innovation and poorer quality because international competition is eliminated.

2. conclude trade agreements. In other words, deals that determine what is exported and imported, how much and where. More structured, but more laborious.

3. currency manipulation. Countries like Turkey or Denmark like to do this to boost their exports. For the USA, however, this is more difficult with the dollar as the world currency. If they start to manipulate it, everyone else will react too.

What is Trump doing instead? Exactly what he has always done: The big bluff.

With North Korea: threatening Rocketman as if he would flatten the whole country. Bluff.

With Gaza: the "hell on earth" rhetoric. Bluff.

With the Ukraine war: calling Zelensky a dictator and then a few days later pretending he never said anything. Bluff.

Now comes the next bluff. Against the EU. Against China. Against Jerome Powell.

He's playing the lunatic because that's how he understands the game. It worked in his reality show and it worked in the election campaign. He knows that if he goes crazy, everyone will stare at him spellbound. And that's enough for him to win. Chaos is part of his plan.

My conclusion: I won't be swayed by the fuss. I don't make investment decisions based on tweets and headlines. I'd rather take advantage of the weak dollar and keep buying

Here is also a suitable YouTube video: https://youtu.be/wIeTXYRajhw?si=NaVKDkc0xxDQtIwR

In uncertain times, it is important to keep a watchlist so that you can pick up stable shares at bargain prices. I hope we go down a few more levels, another -20% would be nice, even if the short to medium-term price losses hurt.

I currently have almost 30 stocks on my watchlist, some of which are attractive in terms of price, while others are still far too high for me. I have not listed stocks that are already in my portfolio and that I would like to buy (in order of dividend amount):

Hercules Capital $HTGC (+1,02%) or Main Street Capital $MAIN (+3,11%)
Chevron $CVX (+0,19%)

Vinci SA $DG (+0,1%)
United Parcel Service $UPS (+1,19%)
3i Infrastructure $3IN (+0,53%)
Iron Mountain $IRM (+1,33%)
Micro Star International $MSS
Nextera Energy $NEE (-0,48%)
Partners Group $PGHN (-0,23%)
Itochu Shoji $8001 (+1,68%)
Canadian National Railway $CNR (+0,08%)
Svenska Cellulosa $SCA B (-0,41%)
VAT $VAT
Investor AB $IVSB
Assa Abloy $ASSA B (+0,52%)
Linde $LIN (+0,84%)
John Deere $DE (+3,12%)
Landstar Systems $LSTR (+0,78%)
Dover Corporation $DOV (+1,38%)
Alimentation Couche-Tard $ATD (-0,63%)
ASML $ASML (-1,43%)
Infineon Technologies $IFX (-0,63%)
Sherwin-Williams $SHW (+0,77%)
Tencent $700 (-1,34%)
Microsoft $MSFT (+0,27%)
S&P Global Inc. $SPGI (+0,81%) or Moody's Corp. $MCO (+0,46%)
Visa $V (+0,74%) or Mastercard $MA (+0,04%)
Ferrari $RACE (+1,12%)

Which stocks do you have on your watchlist?

#aktien
#watchlist
#crash
#stock
#market

Next week won't be boring either 🫡

There's something for everyone 😁

What numbers are you looking forward to? 🧐

$MCD (+1,05%)
$VRTX (-0,05%)
$KO (+0,9%)
$SPGI (+0,81%)
$VRT (+0,22%)
$PANW (-0,13%)
$CVS (+3,54%)

$MEDP (+0,19%)
$ACLS (-1,71%)
$THC (+1,37%)
$TTD (-1,93%)
$CSCO (-1,29%)
$APP (-1,21%)
$HOOD (+1,03%)
$DE (+3,12%)
$AMAT (-0,59%)
$ABNB (-0,04%)

The following companies reached new all-time highs yesterday:

Amazon $AMZN (+0,1%)

Meta (formerly Facebook) $META (-0,65%)

Mastercard $MA (+0,04%)

Visa $V (+0,74%)

Crowdstrike $CRWD (+1,73%)

Raytheon $RTX (+5,15%)

Deere $DE (+3,12%)

Spotify $SPOT (+2,13%)

ServiceNow $NOW

On Holding $ONON (-1,21%)

Congratulations to all who are invested!

Which of these shares do you have in your portfolio and do you enjoy? Or are you invested in these companies via ETF?

Part 5 of 5
/ Review of the year 2024: In the first 4 parts

of my investment story, I looked at the years 2013 to 2023.

A mixture of highs and lows. While there was a lot of learning at the beginning, the last few years are finally bearing fruit!

Monthly view:

2024 was another very positive year, although December again resulted in a slight loss in the portfolio.

In total, December was -0,8%. This corresponds to price losses of -3.200€.

The MSCI World (benchmark) was -0.9% and the S&P500 -2.5%.

In the following, however, I would like to look primarily at the whole of 2024 and not

just December.

Year as a whole:

Winners & losers:

The winner par excellence is hardly surprising NVIDIA $NVDA (+0,4%) with

almost €20,000 in share price gains! And this despite the fact that I took my entire stake of ~€4,000 off the table in March.

In 2nd place follows Bitcoin
$BTC (+2,2%) with approx. 6,000€ price gains. 3rd-5th place

are shared by TSMC $TSM (+0,17%)
Alphabet $GOOG (+1,28%) and Meta
$META (-0,65%) with gains of ~€5,000 each.

On the loser side it looks very relaxed all in all.

Sartorius $SRT (+0,92%)
Nike $NKE (+1,6%)

and Bechtle $BC8 (-0,87%) have each caused share price losses of ~€1,000. They are followed by LVMH $MC (+0,4%) with share price losses of €500 and Amgen $AMGN (+0,36%) with €200.

All in all, share price losses that are not really worth mentioning.

The performance-neutral movements in 2024 were just under €20,000. This is a significant decline compared to the almost €30,000 from previous years. This was due to some private issues and the upcoming house construction.

My performance for the year as a whole was +28,8% and therefore outperformed my benchmark, the MSCI World, by 25.8%.

In total, my portfolio currently stands at ~347.000€. This

corresponds to an absolute growth of ~95,000€ in the current

year 2023. ~71.000€ of which comes from price gains, ~3.800€ from

dividends / interest and ~20.000€ from additional investments.

Dividend:

• The dividends in December were 17% above the previous year at ~€370
• Amgen is in the lead with over 50€ (gross) dividend every 3 months
• For the year as a whole, my dividends amounted to ~2.900€ and thus almost 25% over 2023

Buys & sells:

- I bought in December for a significantly reduced ~500€

- As always, my savings plans were executed:

- Blue chips: Lockheed Martin $LMT (+0,52%) Republic Services $RSG (+1,28%) Thermo Fisher $TMO (+2,12%) ASML $ASML (-1,43%) Northrop Grumman $NOC (+1,08%) Itochu $8001 (+1,68%) Constellation Software $CSU (+0%) Hermes $RMS Salesforce $CRM (-0,38%) MasterCard $MA (+0,04%) Deere $DE (+3,12%)

- Growth: -

- ETFs: MSCI World $XDWD (+0,47%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0,24%)

- Crypto: Bitcoin $BTC (+2,2%) and Ethereum $ETH (+3,71%)

- There were no further sales in December

Target 2024 & outlook 2025:

My goal for 2024 was to reach €300,000 in the portfolio. Due to the

extremely positive market performance in the current year, my portfolio stands at ~€ 350,000 at the end of the year. I was therefore able to significantly exceed my target.

What will happen in 2025? The logical target, of course, would be 400.000€ to be achieved. However, due to the upcoming house construction, part of the assets will be invested in the house construction. If I include the property in my statement of assets, the target of €400,000 would of course not change.

However, as I am more likely to be tracking my liquid assets here, I will probably

probably refrain from doing so.

Therefore, my year-end target for 2025 will probably be closer to the final balance for 2024. So around €350,000 at the end of 2025.

How are things looking for you? Have you already thought about your plans for 2025?

Finally, I wanted to say thank you again for all the positive reactions to my investment story!

https://linktr.ee/mister.ultra

#dividends
#dividende
#rückblick
#depotupdate
#aktie
#stocks
#etfs
#crypto
#personalstrategy

Deere Q3 2024 $DE (+3,12%)

Q4 2024:

Sales: USD 11.143 billion (-28% year-on-year)

Net profit: USD 1.245 billion (-47% year-on-year)

Earnings per share (diluted): USD 4.55 (-45% year-on-year)

Operating cash flow (financial year 2024): USD 9.231 billion

Full year 2024:

Sales: USD 51.716 billion (-16% year-on-year)

Net profit: USD 7.1 billion (-30% year-on-year)

Earnings per share (diluted): USD 25.62 (-26% year-on-year)

Non-recurring factors

Legal settlements: USD 57 million profit before taxes

Depreciation and amortization: USD 28 million in the "Small Agriculture & Turf" segment

Restructuring costs: USD 157 million before tax (USD 124 million after tax)

Quarterly overview

Production & Precision Agriculture: 38% decline in sales, 64% decline in operating profit

Small Agriculture & Turf: Decline in sales of 25%, operating profit down 47

Construction & Forestry: 29% drop in sales, 36% decline in operating profit

Balance sheet overview

Assets:

Total: USD 107.32 billion (2024 vs. USD 104.09 billion in 2023)

Cash and cash equivalents: USD 7.324 billion (-1.8% year-on-year)

Inventories: USD 7.093 billion (-13% year-on-year)

Liabilities:

Total: USD 84.395 billion (+2.7% year-on-year)

Non-current liabilities: USD 43.229 billion (+12 %)

Equity:

Shareholders' equity: USD 22.843 billion (+4.8 %)

Profit and loss account

Breakdown of sales:

Production & Precision Agriculture: USD 4.305 billion (-38% year-on-year)

Small Agriculture & Turf: USD 2.306 billion (-25% year-on-year)

Construction & Forestry: USD 2.664 billion (-29% year-on-year)

Margins:

Operating Margin:

Production & Precision Agriculture: 15.3 % (previous year: 26.4 %)

Small Agriculture & Turf: 10.1% (previous year: 14.4%)

Construction & Forestry: 12.3% (previous year: 13.8%)

Cash flow

Operating cash flow (financial year 2024): USD 9.231 billion (+7% year-on-year)

Used for: USD 1.64 billion investments, USD 4.007 billion share buybacks and USD 1.605 billion dividend payments

Investment cash flow: USD -6.464 billion, characterized by acquisitions and expenses for leased equipment

Financing cash flow: USD -2.717 billion, mainly due to debt repayments and returns to shareholders

Segment analysis

Best segment: Financial Services (+13 % year-on-year sales growth), driven by higher portfolio values

Weakest area: Production & Precision Agriculture (-38% decline in sales year-on-year)

Competitive position

Deere remains a leader in precision agriculture, but faces challenges such as lower delivery volumes and difficult market conditions.

Outlook and management comments

Net profit forecast (financial year 2025): USD 5.0 to 5.5 billion

Agriculture & Turf:

Large agricultural machinery in the USA: decline of approx. 30% expected

Europe: decline in sales of 5-10% forecast

Construction & Forestry:

Global forestry: Stable to -5 %

Risks and opportunities

Risks:

Declining demand in the agricultural sector

Rising interest rates put pressure on financing

Disruptions in the supply chain and geopolitical tensions

Opportunities:

Investments in technology and precision agriculture

Partnership with Banco Bradesco in Brazil to promote growth

Five positive aspects

1. strong operating cash flow (+7 % year-on-year)

2. resilience in the Financial Services division (+13% sales growth)

3. continued investment in customer-oriented innovations

4. restructuring measures that are expected to generate annual savings of USD 220 million

5. strategic partnership in Brazil reduces risks and promotes growth

Five negative aspects

1. significant decline in sales (-28% year-on-year in Q4)

2. declining operating margins in all key segments

3. high restructuring costs (USD 157 million before taxes)

4. weakness in core markets such as the USA and Europe

5. increased write-downs and loan loss provisions