Postos
96Here's another little update on my hybrid portfolio!
The strategy is still the same as it has been since the beginning of my Journey🤝Growth and Dividends📈
I plan to buy the following stocks with my next salary:
All 4 candidates with about 300 euros
Good luck on your journey!
We are all wolves🐺
Today it clicked - the first dividend from $HTGC (-0,13%) has landed in my account. 🏦💥 And I'm telling you: no matter how small or large the amount - this feeling is priceless. 😏 It's not just "money", it's proof that your capital is working for you while you're chilling, drinking coffee or playing Nintendo. 🚀 (unfortunately no $7974 (-0,43%) Nintendo share in my portfolio)
The first dividend is like the first date - exciting, emotional and a foretaste of what's to come.
🔝🔛
Clean dividend payer with divi-reinvestment plan.
But I have to answer each corporate action individually with my broker and no standing order for reinvestment possible, unfortunately. But little work. 😃
Happy investing
GG
At the end of July, I made the decision to break up my portfolio. This is just a visual change, but it will take me back below 100,000 euros.
What did I do?
I decided to split my portfolio into three parts. Of course, as I said, this is only a visual change. But it allows me to make a somewhat more concrete evaluation.
But first, as usual, let's take a look at the S&P500:
For once, the S&P500 was up almost continuously in July. There was only a dip at the end of August. The main reason for the rise was the regulated tariffs.
In my opinion, the stock market reacts very quickly and very positively to any regulations, which, as we all know, can also be quickly discarded.
In the end, the S&P500 gained +3.97% (USD). In EUR terms, it is even up 6.1%.
Now let's move on to my new portfolio allocation. For the time being, nothing has changed in terms of positions. However, I have turned one portfolio into three or simply sorted things out.
On the one hand, of course, I have my share portfolio, which also serves as a review here.
Secondly, I have taken out my XEON. It's still running, of course, because that's the money that will be used to pay off the loan in five years' time. I don't need to keep that in retrospect.
I have also created a "pension portfolio". This contains my ETFs, which I save a total of €650 per month. This doesn't need to be included in the review either, as the savings plans are running there and there shouldn't be any changes until retirement.
What remains is my share portfolio, which contains the individual shares and gold.
As you can see, my performance is +1.45%.
The S&P500 has massively outperformed me here. At the same time, the MSCI World has also risen by 4.4%. Over the year as a whole, my portfolio is now down -1.7%, while the MSCI World is still down -2.7%. The S&P is even at -4.1%
Only the DAX is still outperforming everyone. Over the year, it is now up +17.7%.
My high and low performers in July were (top 3):
Tractor Supply ($TSCO (-0,18%) )+15,85%
British American Tobacco ($BATS (-0,23%) ) +15,59%
Ping An insurance ($2318 (-0,92%) ) +13,52%
Nestlé ($NESN (-0,58%) ) -9,32%
Nintendo ($7974 (-0,43%) ) -11,07%
United Health ($UNH (+1,24%) ) -16,29%
Dividends:
In July, I received €56.87 net from a total of 8 distributions.
Compared to July 2024 (€74.17), this was a reduction of 23.32%.
The difference is due to the fact that Ping An already paid in June this year.
Due to my new portfolio allocation, I have excluded the ETF dividends in each case and therefore the dividend is now of course also visually much lower. The dividends received in the bond portfolio flow 1:1 back into the ETFs.
Investments:
The bill for the car has finally arrived. It amounts to around €1200. Of course, that sets me back enormously. But the worst is yet to come.
The tax was due on 31.07. Well, I was already aware that I had to pay it. However, the sum amounts to €4,000 in arrears. But where does that come from? My old employer paid me a special payment from the old year (i.e. 2023), which was untaxed except for the pension contributions. I got away with it and of course I have to pay an enormous amount as a result. This is also deducted from my nest egg, which makes it worthwhile to have a nest egg.
This means I'm starting almost from scratch again with my nest egg. However, the inspection is due next month at the latest, including an oil change and possibly a brake change.
That would probably use up the nest egg completely. If the brakes don't need to be changed, I can also use the coffee money.
Let's see what August or September at the latest brings.
Buying and selling:
There were no sales in July either.
I added to Gladstone Invest ($GAIN (-0,13%) ) (150 shares) and Hercules Capital ($HTGC (-0,13%) ) (14.45 shares)
savings plans (125€ in total):
Goals 2025:
I have to change my targets slightly - together with the portfolio. Overall, the €130,000 at the end of the year will remain, but this target will of course be made smaller and the focus will only be on the dividend portfolio.
To be honest, I haven't thought about the target there yet.
Target achievement at the end of July 2025 (in relation to the €130,000): 58.33%
How was your July?
What else would be of interest or what could I do better in the review?
If you liked the report and would like to read more, feel free to follow me,
If you're not interested, you can keep scrolling or use the block function.
$HTGC (-0,13%)
Hercules Capital Q2 2025: Strong NII growth despite venture capital slump
Introduction and market context
Hercules Capital (NYSE: HTGC ), a leading business development company (BDC) specializing in venture capital, reported its second quarter 2025 financial results on July 31, 2025. Despite the ongoing challenges in the venture capital ecosystem, the company continues to maintain its position as a highly rated BDC focused on the innovation economy.
The shares closed at USD 18.91 on July 31, down 0.79%. However, it showed signs of recovery in after-hours trading, gaining 0.42 percent. With a 52-week range of USD 15.65 to USD 22.04, Hercules is trading at a significant premium to its net asset value, reflecting investor confidence in its business model and dividend yield.
Quarterly performance highlights
Hercules Capital reported strong financial results for the second quarter of 2025 with total investment income of $137.5 million, up 10% from $125.0 million in the second quarter of 2024. Net investment income (NII) reached $88.7 million ($0.50 per share), an increase of 8% year-over-year, but was slightly lower per share than the same period last year ($0.51).
Forward-looking statements
Despite signs of a slowdown in the venture capital ecosystem - venture capital investments in the second quarter of 2025 amounted to USD 26.6 billion and represent a moderate pace compared to the 2021 peak - Hercules remains optimistic about its pipeline and growth opportunities. Thanks to its selective lending approach and close relationships with venture capital firms, the company is well positioned to navigate the current environment.
In the Q1 2025 earnings conference call, CEO Scott Bluestein pointed out that Hercules tends to "perform much better in times of market and macro volatility," suggesting that the current environment could provide opportunities for the company to capitalize on its expertise and market position.
With available liquidity of $785.6 million and a strong balance sheet, Hercules has significant capacity to fund new investments while maintaining its dividend. The company's annualized base dividend yield of 8.8% (as of June 30, 2025) makes it an attractive option for income-oriented investors, especially given its track record of additional dividends.
Before the moment is over again, I would like to take a moment to celebrate my first small milestone: after almost a year of active trading, I have reached €10,000.
Most of the time I was still a student - with small savings rates, a lot of curiosity and learning by doing (and many mistakes). I've now been working as an engineer for a month and can invest properly for the first time. I'm excited to see where the journey will take me.
I am pursuing a long-term growth strategy, but I also like the charm of dividends as a motivator. With half of the bonuses, I will probably buy individual shares or burn a penny or two by gambling.
I know things aren't going perfectly, but I'm prepared to learn from mistakes and constantly question my strategy.
One small fly in the ointment: my Mercedes shares are currently still blocked.
I look forward to your feedback, experiences and tips - on the subject of crypto, I'm still torn as to whether I've missed the party.
Savings plans: 690€
200€ - $IWDA (-0,03%)
60€ - $EIMI (+0,42%)
40€ each - $JEGP (-0,28%)
$MAIN (+0,47%)
25€ each - $NOVO B (-0,02%)
$HTGC (-0,13%)
$GOOGL (-0,68%)
$WMT (-0,13%)
$CRWD (+0,18%)
$AMZN (+0,27%)
$MELI (+0,24%)
$META (+0,15%)
$NET (+0,46%)
$ALV (-0,68%)
$WM (-0,09%)
$ASML (+0,26%)
$SAP (-0,88%)
$PLTR (-0,69%)
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