The dividend is ringing today, but if you look at the share price over the last few months, it looks less like a delivery and more like a "package lost". The share price has lost a lot of weight.

👉 BUT: Anyone who collects dividends knows the game. Short-term dips in the share price are sometimes just opportunities to cash in further in the long term. UPS remains a cash flow monster, and as long as the world stores online, the brown trucks will keep rolling.

🔥 Question for you: Buy the dip or "return to sender"?

Thanks for your assessment for $UPS (-0,94%) in the comments.

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:

• Share: Share of total portfolio in % (securities account)
• $AVGO (+1,07%) 2.98 % (main share portfolio)
• $NFLX (+2,97%) 1.92 % (main share portfolio)
• $WMT (+1,61%) 1.72 % (main share portfolio)
• $FAST (+1,96%) 1.64 % (main share portfolio)
• $SAP (+1,08%) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (custody account)
• $SHEL (-0,23%) : 0.44 % (crypto follow-on portfolio)
• $NOVO B (-0,59%) 0.45 % (main share portfolio)
• $HSBA (+1,18%) 0.53 % (crypto follow-on portfolio)
• $GIS (+0,56%) 0.60 % (main share portfolio)
• $TGT (+0,3%) 0.64 % (main share portfolio)

Top-performing individual stocks

• Share: Performance since first purchase % (securities account)
• $AVGO (+1,07%) +299 % (main share portfolio)
• $NFLX (+2,97%) +174 % (main share portfolio)
• $FAST (+1,96%) +86 % (main share portfolio)
• $SAP (+1,08%) : +83 % (main share portfolio)
• $MAIN (+1,06%) +82 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $GIS (+0,56%) -33 % (main share portfolio)
• $TGT (+0,3%) -30 % (main share portfolio)
• $NOVO B (-0,59%) -27 % (main share portfolio)
• $UPS (-0,94%) -24 % (main share portfolio)
• $CPB (-2,33%) -23 % (main share 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:

• 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:

• Number of additional purchases: 3
• 61.96 € for $SPYD (-0,12%)
• 
  58.00 € for $GGRP (+0,72%)
• 
  90.00 € for $JEGP (+0,13%)

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:

• $ISPA (+0,64%)
• 
  $VWRL (+0,65%)
• 
  $VHYL (+0,34%)

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 (+0,25%) ).
• 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!

Hi,

I'm currently considering buying my share of Microsoft $MSFT (+1,01%) for UPS $UPS (-0,94%) for UPS.

$MSFT (+1,01%) I would sell at 20.75%.

I'm still a newbie, so I'm keen to hear your opinions.

Thank you and have a nice weekend

$UPS (-0,94%)

$UPS (-0,94%)

In the longer term, I hope it's a good investment...

Announced cost-cutting measures must take effect.

Everyone is talking about $NOVO B (-0,59%) honestly, people? That was foreseeable after the events of the current year. The crises won't stop... So what's the point?

I find the developments of $SMHN, (+0,69%)
$UPS (-0,94%) or $SWK (+2,37%) ...

Here is a clear overview of the quarterly figures due next week.

$NXPI (-1,15%)
$CLF (+0,89%)
$LOGN (+2,06%)
$KO (-0,73%)
$GM (+0,67%)
$LMT (+1,59%)
$NOC (+0,1%)
$PM (-0,95%)
$RYTT34
$UPS (-0,94%)
$V (+0,18%)
$T (+1,69%)
$FCX (-0,48%)
$GD (+0,51%)
$GOOGL (+0,66%)
$IBM (+1,41%)
$NOW (-1,63%)
$TSLA (+1,4%)
$DOW (-0,24%)
$HON (+0,22%)
$VLO (+0,29%)
$BMY (-1,38%)
$AON (-0,05%)
$CL (-0,47%)

Last year, I stood in front of my depot and asked myself: What is actually still missing?

Tech? Checked off. Dividends? Yes. Growth stocks? Also included.

But somehow I was still missing a real value stock with a defensive character. One that also sleeps peacefully when the stock market is rattling. 😴📉

💡 Then it occurred to me: "What always works - regardless of whether it's a crisis, war or consumer restraint?"

➡️ That's right: parcels.

And that's how I came across UPS.

What convinced me:

• 💰 Stable dividend (currently over 4% - a real haven of peace in times of uncertainty)
• 🌍 Global presence - not only in the B2C sector, but also strong in B2B & healthcare
• ⚙️ Efficiency programmes & digitalization - could stabilize margins in the long term

But of course there are also downsides:

• ⛽ Cost structure is high - energy, personnel, inflation...
• 📉 Parcel volume declining after the corona boom
• 🏋️‍♂️ Competition with Amazon is exerting pressure - they are constantly expanding their own delivery fleet

🔁 Conclusion for me:

Not a high flyer, but a solid anchor in the portfolio. I see $UPS (-0,94%) as a dividend play with turnaround potential, especially when the economy picks up again.

📬 What do you think: UPS - buy & hold or too old-fashioned in the age of drones & same-day delivery?

#Depotstory
#UPS
#Dividende
#Logistik
#ValueInvesting
#getquinCommunity