Postos
24It's a pity that my cryptos are not included here. Nevertheless, I think my shares have performed very well.
My strongest drivers were $TSLA (+0,14%)
$MSTR (-1,12%) and $NVDA (+0,7%)
Which stocks did you buy in 2024 to profit from in 2025?
My bets are $DLR (+0,05%)
$HODL (-1,79%) and the big cloud providers $MSFT (+0,09%)
$AMZN (+0,05%) and $GOOG (+0,33%)
Hello everyone,
today there is a long announced #offtopic from me.
It's about the question of what the planned reinvestment of my distributions is that I mentioned (especially in the reviews).
I want passive cash flow! I want the money to rain down from the sky, fully automated! And this money should also find its way back to the stock market fully automatically. Simply to keep feeding the passive income stream so that it gets bigger and stronger. This should work until one day I use the distributions to cover my living costs.
But how do I go about it?
In order to know how much I can reinvest each month at best, I first need to record all my incoming distributions, from which I can then calculate an average value for all monthly distributions per month. I compare this value with the previous year's values. This comparison enables me to obtain the increase in my income and thus estimate it for the new calendar year. The monthly return figure estimated here for the following calendar year is my planned reinvestment figure.
As I said before, I want to set up a fully automated system with the reinvestment that runs by itself. This also means that manual intervention on my part should not be necessary, although there may be exceptions.
So the question is: when do I actually have to intervene in the automated reinvestment of my distributions myself? Of course, this is only the case if the actual distributions received from my investments in a month are lower than the planned amount of my reinvestment. And for this scenario, I have two aces up my sleeve to avoid having to intervene after all. On the one hand, I leave distributions from particularly high-yield months for the weaker months so that the process can continue. If these reserves are not sufficient, I have a second ace up my sleeve. My current employer gives me half of the Germany ticket tax-free. I haven't included this bonus in my personal budget planning. This means that the money is not intended to cover expenses. So if there isn't enough available for the planned reinvestment, I'll use this allowance for that. And in the event that the allowance cannot be used, it goes into a provision for reinvestment.
The system I use is not complicated and has fortunately already proven itself in practice. Looking back on the first three quarters of 2024, my distributions were always large enough for everything to work fully automatically, except in January and February. For the two months affected, I was able to keep the engine running thanks to the provision. It's running like clockwork. Things are also looking good for October. So not only is the system running, I could even have planned more optimistically.
The follow-up question is certainly: how do I use my reinvestments, or more precisely: what do I invest my distributions in? There are two strategies that I pursue. On the one hand, I use the distributions to strengthen the savings plans from the net salary of my smaller-volume positions so that the positions can build up more quickly. On the other hand, I use some of the reinvestments to finance entire savings plans that I don't have to use my net salary for. This is the case for me, for example, with oil stocks such as $XOM (+0,54%) and $CVX (+0,29%) but also with others such as $DLR (+0,05%) and $GSK is the case.
Conclusion: The system works as described and is simple. I only have to check a few days before executing the savings plans to see whether the clearing accounts are sufficiently filled. I can even increase the size of the planned reinvestments for the following year, which makes me very happy. $UPS (+0,78%) and $HTGC (+0,21%) will be included in the savings plans, starting this December. The snowball of passive income is thus getting bigger and bigger, making me increasingly free from active earned income. That makes me happy! I couldn't have imagined something like this at the zero hour of my wealth accumulation.
Hello everyone.
I started investing around 2017/2018, initially into common funds, just last few years into stocks and etfs.
Most transactions are not correctly registered time-wise as they some positions were bought in more transactions or too much time ago.
The portfolio is mainly exposed to wards the US market and the target is to keep adding/adding to dividend growth companies and keep a reasonable diversification even if that might imply lower growth.
Possible future additions (also depending on overlaps with the etfs and common fund):
$MA (+0,68%)
$MCD (+0,06%)
$MSFT (+0,09%)
$JPM (-0,36%)
$DLR (+0,05%)
$CHD (+0,04%)
Also will add more to the world common fund and both etfs.
Any recommendations on what I should be looking into?
PS: I am aware about $INTC (+0,35%) being the odd one of the bunch, I am mostly interested in seeing what will happen to it in over an even longer time scenario.
Hi community,
I've been active here for just about a month, and started my investing journey on January.
Since I'm quite new to the investing world, I would like to have some feedback on my portfolio, and discuss my strategy and future plans too.
I read and learn a lot from you, especially the evergreens :)
I think it'll be a little bit of a read, but I'm writing this also as a reminder to my future self, in case I lose focus somewhere down the line :)
So, I'll start from me, my goals, strategy and then go into the reasoning behind the positions and then into plans.
About me
Almost 28, F, software developer. Own a small apartment bought and renovated in 2020-2021 with really really good mortgage rate and tax reimbursements in an city with a rich university presence .
This I bought and renovated as future asset (lots of young people needing apartments here to go to uni) and to not pay so much more in rent, as my mortgage payment is ~1/3 of a rent in a mostly shitty apartment for a single renter.
In the past 5 months I've been reading a lot on finance and markets as well as learning to screen stocks by analysing fundamentals, reading SEC's, white-papers and operational resumes of the companies I do research on and want to watchlist/buy.
Goals
My goals are really simple:
Strategy
As per goals, investment term is long term, mostly buy/hold.
To reach my goals, I want to follow a mixed strategy of value, growth and dividends. Yes, I know, young and dividends. But.
To reach my goals dividends are needed: for this year I'll be able to provide a good savings rate of 1500-2200 euros every 3 months in 2024, then it'll largely depend on how things go for 2025-2026. I'll have some known expenses and possibly some still uncertain, a couple of which could be big, so I need to preserve my cash allocation and saving rates could stop.
Enough dividends with a null/reduced saving rate can be used for some buying power or used for covering interest of loan/margin when free cash flow is unavailable or reduced, but rates need to go down for good before I can consider this.
Then again, the dividend compound effect will enable me to reach and sustain all my three goals eventually, but only if paired with value and growth options.
Positions and future possibile positions
Onto the portfolio I have built so far! Currently US heavy, will always be US heavy, but in the last section I have plans for that, you'll see.
The allocation is 60/40 ETF/Shares with +-10 tolerance accounted for.
ETF allocations:
Shares allocations go more by sector, region and value/growth/dividend ratio.
I'm actually investing a bit anti cyclically in Utilities ($NEE (-0,43%) , $ENEL (+0,51%) , $BEPC ), Solar/Solar related ($NEE (-0,43%)
$ENEL (+0,51%)
$BEPC
$NXT
$SHLS ) and Energy ( $NXE (+0,15%) ) and ready to buy some dips in my current positions, or grow them if they please me with their performance.
Won't consider Oil and Mainstream by choice, except maybe for $PBR (+0,19%) or $BIPC due to dividend.
$NXT and $SHLS are soaring right now, and are a really good combo of solid and innovation. (Cannot see the daily here on getquin tho)
$BEPC results compared to sector are solid, company strategy is very good, a little bit hated by market it seems. The same reasoning applies to $NEE (-0,43%) , plus manatees! $ENEL (+0,51%) also but without manatees and without good management (it's Italy after all), but still solid with a great moat and good div.
$NXE (+0,15%) is super long term, I've read all the reports, primary concern is debt until building ops facilities is done and op can start for real. They are sitting on uranium next big thing and have good connection with the territory and authorities.
$HAUTO (-2,2%) is actually filling the role of the best overall VGD stock, we will see after the div in March.
$BBVA (+0,75%) really good bank and financial, my entry point in the financial sector at good value and also global.
$AMZN (+0,05%)
$META (-0,34%) and $NOVO B (+0,55%) can speak for themselves as megacaps
Plans and ideas
So, after boring you for so long, the actual question/discussion section of this rant.
ETFs
Here I'm considering a possible 5% satellite, in the shape of Asia (ex-China)/Japan. I'll probably add one of $XMUJ (-1,03%) , $DXJ (+0,06%) or $V3PL (-0,86%) , all distributing.
I like $DXJ (+0,06%) maybe the most for its holdings but is sampled, $XMUJ (-1,03%) good ter, phisycal full also, holdings a bit worse than $DXJ (+0,06%) .
$V3PL (-0,86%) seems to perform worse, but is more pan Asia, although not much value brought to the portfolio compared to the other two aside from region allocation.
Shares
In the short term, I want to add position for the REIT sector, as they are trading at a discount right now, and probably will shake off the priced in May FED cut that will in my opinion not happen (June I think more likely).
My watchlist consists of:
If you know some interesting ones or want to share some thoughts on some of those, it would help. Also, I have no idea of the possible allocations and will need to discuss it most likely.
Other things I'll closely watch to open a position will be:
First of all, thanks to you, who made it this far. And read all of this shit.
Every other suggestion is more than welcome of course, and I'd love to discuss further in the comments if you want to drop by!
Thanks :)
$O (+0,46%)
$DLR (+0,05%) I almost don't dare to post news about Realty anymore, but I want to get this out there, especially because it's one of my biggest single positions 😂.
@Kohlmeyse sorry 😅
Digital Realty and Realty Income establish joint venture to develop customized data centers
REITs and the transformation through "digitalization
The real estate industry is certainly getting hammered more than other industries right now. On X, I see some posts in which particularly $O (+0,46%) as a "junk stock". I find that very unfortunate, since the price must be considered abstractly from the intrinsic value. And in my opinion, the figures are correct, among other things, the dividends come from the cash flow and not from the substance.
Of course, when I look at my portfolio, I also see other REITs that are not doing well in terms of price, for example: $LTC (-0,03%) , $MAIN (-0,08%) , $STAG (+0,34%) and $DLR (+0,05%) .
However, I think you have to look at everything in the overall context. On the one hand, the current interest rate situation is putting pressure on REITs, and on the other hand, we still have aftershocks from Corona, even if no one seems to think about it anymore.
Especially the beloved home office has negative effects on landlords of office and commercial properties. I see this myself at my employer. While the main headquarters of the German subsidiary of a global corporation is owned, some German branches are rented properties. While the number of employees grew steadily over the last 3 years, paradoxically the need for office space decreased.
Thus, rented offices were closed or merged and employees could alternatively home office/mobile working in shared offices or coworking offices. Those who wanted to also moved.
Especially the main office, which was owned by the company, became acquainted with the shared desk principle. Thus, everyone retained the right to their fixed desk if they came to the office at least 4 times a week. For many, it was no problem to sit at a different desk every now and then, since they mostly digitized everything. I myself still have quite a bit on paper due to my work in my niche and also have my desk in an area that is exempt from the shared desk rule.
Also, I'm in the office almost every day, it's just a stone's throw away.
i even enjoy the privilege of considering a desk and my shelves as "my territory". And besides, I find that having a stable environment of colleagues who also have a permanent place themselves brings constancy to this ever-changing world.
Now for you guys:
Of course, I know that some of the possibilities were already there before, but only really came into play with stay-at-home.
Deducted a small reserve from the bonus for reserves and invested the majority in $GIS, (+0,81%) $CPB, $DLR (+0,05%) and $VNA (+0,28%) invested. 🙃
I love #investieren 😍
Waiting for #dividends.💰
No investment advice.
$$DLR (+0,05%)
$BX (+0,04%)
$MMM (-0,63%)
$HTGC (+0,21%)
have today these values nachgekauft
Your opinion on this ?
Principais criadores desta semana
