My development in this area has been very mixed. After I sold in December $WBA (-0,4%) after a risky purchase - to lower the buy in - with +/- 0, my investment in $AFX (-2,28%) was abruptly terminated, leaving me with a hefty loss, and shortly afterwards I unfortunately also lost my shares in $UNH (+0,88%) but still with a profit of 8%. Today I decided to recoup my losses and sold my $BMY (+0,26%) sold. It was a nice trade, plus the €245 dividend plus the payment on February 3rd. The uncertainty in the sector has become too great for me and I want to watch from the sidelines what the new US government will do. Marty Makary as the planned head of the FDA will certainly not strike as brutally as some fear, but there could be changes and difficulties in the area of approval procedures. This would also affect Bristol, which should and must bring a few good products from its pipeline onto the market in the next few years. The acquisition of Karuma together with the approval of KarXT has provided a brief boost, but is not enough to compensate for the expiry of patent protection for Revlimid, Opdivo and especially Eliquis in the next few years. They account for over USD 12 billion of sales and patent protection expires in the EU in 2026 and in the US in 2028. This does not mean that Eliquis will no longer be sold, but a not insignificant proportion is likely to be lost to generics. In addition, CMS has already negotiated price reductions of 56% for 2026. Coupled with the political uncertainties, I have taken the money with me for the time being and will wait and see. I still have to deal with $NOVO B (+0,91%) ...., which is currently the biggest loss-maker in my portfolio with a drop of almost 17%.

Please let me know your assessment of the market in this sector.

A quick overview of the stocks I am trying to get into the portfolio for the coming week. The limit orders can be adjusted to the market. However, I will start with this on Monday morning

Fastenal - limit EUR 69.50 $FAST (+0,52%)

Coca Cola limit 58.50 EUR $KO (+0,23%)

Watsco limit 451,50 EUR $WSO (+0,5%)

Waste Management Limit 195.00 EUR $WM (+0,91%)

UnitedHealth Limit 490 EUR $UNH (+0,88%)

Philip Morris limit EUR 117 $PM (+0,39%)

Lockheed Martin Limit 460.00 EUR $LMT (+1,45%)

Iron Mountain Limit 100 EUR $IRM (-0,02%)

Have a nice rest of Sunday .

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 (-0,41%) Nestle

$CTAS (+0,7%) Cintas (savings plan)

$RACE (+0,07%) Ferrari

$D05 (-0,7%) DBS

$UNH (+0,88%) United Health

$V (+0,31%) visas

$CSNDX (-0,04%) Nasdaq 100 (savings plan)

$XEON (+0,02%) 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 (+2,59%) Anglo American PLC (+37%)

$IBM (+0,03%) (+26%)

$BAC (-0,35%) Bank of America (+45%)

$UKW (-0,33%) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (+0,4%) Starbucks (+10%)

$BIGG (+4,42%) 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 (+0,13%) 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. 😊

The shares of $CVS (+1,84%) , $UNH (+0,88%) and other US companies in the healthcare sector drifted further downwards today.

The reason for this is the increasing speculation surrounding the plans of the orange-colored future head of state.

He plans to eliminate "the middleman". The middleman are dealers who help determine the final prices of drugs, but do not necessarily offer an add-on.

If the new administration really pushes this through, it will probably only be the beginning of a correction in the U.S. healthcare system.

What is your opinion on this?

https://www.bnnbloomberg.ca/business/2024/12/16/trump-middleman-remark-sinks-cvs-unitedhealth-cigna-shares/

$UNH (+0,88%) Anyone have an opinion on why it's falling like this now? Murderer was caught after all?

Subsequent purchase + savings plan ✌️

As sorry as I am about the assassination... but in return you get more shares in a good company

$UNH (+0,88%)

The tragic death of the CEO has unsettled the markets and the share price has fallen recently. However, UnitedHealth remains a solid company with a strong market position and a clear strategy. Long-term trends such as an ageing population and rising healthcare expenditure continue to point to growth.

The current setback could be an opportunity: UnitedHealth is well positioned to meet this challenge. Anyone investing for the long term could get in now at a good price - the best opportunities often present themselves during crises.📈

$UNH (+0,88%) UnitedHealth is at the center of a real tragedy right now: the United Healthcare CEO has been murdered and the news has caused quite an uproar - not only within the company, but also on the stock market. The shock is real, but for young investors like us, the question is: what do you do in moments like these? And this is where the legendary quote comes into play: "Invest when the blood is flowing in the streets." Yes, it sounds brutal, but it describes the idea of investing counter-cyclically - especially when the market is reacting irrationally.

What's going on right now?

UnitedHealth is a healthcare titan, with revenue streams from insurance (UnitedHealthcare) and services (Optum). In the last quarter, revenues increased by more than 9%, to over $100 billion. The numbers are strong, demand for healthcare services remains stable, but the short-term uncertainty - caused by this tragic incident - has put the stock on the defensive. Emotional market reactions could create the timing for entry opportunities.

Why could this be an opportunity?

UnitedHealth is more than just a health insurance company. Optum, the healthcare solutions subsidiary, is a growing powerhouse in telemedicine, chronic care and health data. These trends are long-term game changers. Despite the current crisis, the demand for these services remains consistently high - simply due to the ageing population in the USA.

Politics and the long-term outlook

There are challenges: The U.S. government is targeting reforms that could affect everything from drug prices to Medicare access. That means political pressure in the short term. But companies like UnitedHealth know how to adapt - they have the networks, technology and capital to stay ahead. Sure, it won't be a walk in the park, but in the long term, the healthcare sector is a growth market.

What is the competition doing?

Eli Lilly $LLY (+0,6%) , Huma$HUM (-0,1%) and CVS Health $CVS (+1,84%) are not small players, and they are also expanding their market shares. But UnitedHealth has a particular strength: diversification. With insurance AND services, they protect themselves against fluctuations in one of the two segments. The focus on Optum gives them an innovative edge.

What can you take away as a young investor?

Many people are put off by shocks like these, but this could be exactly the moment for you to get involved. Of course there are risks, especially from regulatory uncertainty. But if a company's fundamentals are strong - and UnitedHealth's are - then it's worth taking a closer look.

In the long term, this crisis could turn out to be an opportunity. The only question is: do you have the courage when others shy away?

https://www.manager-magazin.de/unternehmen/brian-thompson-us-konzerne-ruesten-nach-attentat-auf-versicherungsmanager-auf-a-21de7826-f4c1-4b00-9051-98c753bddf7d

+++ News: Heated mood around US health insurers +++

The shares of well-known insurance companies such as $UNH (+0,88%) but also those of competitors $ELV (-0,17%)
$HUM (-1,56%) and $CI (+0,24%) have fallen surprisingly this week. Although the losses are limited, the reasons for this are more than just shocking.

As I reported earlier, the CEO of United Healthcare's insurance division was the victim of a targeted assassination. While the police are now investigating at full speed, the perpetrator is currently the target of downright hero worship on social media. The assassin is repeatedly equated with characters from pop culture such as Batman, Robin Hood or John Wick.

Insults against the victim and his family are also liked and shared thousands of times. It is not just the viciousness of the comments that is frightening - but the fact that, as is so often the case in such instances, the platforms simply let them stand.

Insurers' shares are currently falling because there are fears that there could be further murders of insurance employees. The management of the major insurance companies is alarmed and has hastily removed photos and other personal data of their "C-level executives" from their websites.

Commentary and classification: After the failed assassination attempt on Trump, I'm hardly surprised at the kind of people we're dealing with here. The same people who talk about democracy and human rights in every other sentence are the same people who are now calling for the assassination of their ideological opponents once again. Even a good ESG score doesn't help United Health against so much hatred.

From a purely shareholder perspective, this charged sentiment towards the banking and insurance sector is $JPM (-0,33%) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (+0,29%) pharmaceuticals $PFE (+0,49%)
$CVS (+1,84%) consumer goods manufacturers $KVUE (-0,87%)
$BATS (+0,22%) defense companies $LMT (+1,45%) etc. could soon find themselves in the crosshairs.

If you really want to be absolutely sure of being invested in a politically correct way, simply put your money in Northvolt and make a 90% loss. This also ensures that you can "eat the rich" can no longer be meant.

Actually, nothing has fundamentally changed at $UNH (+0,88%) changed, or how do you see it?