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 (+0,67%) 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 (-1,72%) with approx. 6,000€ price gains. 3rd-5th place

are shared by TSMC $TSM (-0,12%)
Alphabet $GOOG (+0,1%) and Meta
$META (-0,16%) with gains of ~€5,000 each.

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

Sartorius $SRT (+0%)
Nike $NKE (+0,04%)

and Bechtle $BC8 (+0%) have each caused share price losses of ~€1,000. They are followed by LVMH $MC (+0%) with share price losses of €500 and Amgen $AMGN (+0,13%) 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 (+0,03%) Republic Services $RSG (+0,1%) Thermo Fisher $TMO (+0,09%) ASML $ASML (-0,14%) Northrop Grumman $NOC (+0,39%) Itochu $8001 (+0,79%) Constellation Software $CSU (+0,72%) Hermes $RMS Salesforce $CRM (+0,06%) MasterCard $MA (+0,18%) Deere $DE (-0,12%)

- Growth: -

- ETFs: MSCI World $XDWD (+0,17%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0,25%)

- Crypto: Bitcoin $BTC (-1,72%) and Ethereum $ETH (-1,99%)

- 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

Weekly at TR

$GGRP (+0,25%)
$TDIV (+0,17%)
$JEGP (+0%)
$JEPQ (+0,01%)
$FGEQ (+0,19%)

It continues at Ing, but only monthly

On the 7. $SPYD (+0,19%)
$VUSA (+0,19%) and $HMWO (+0,17%)

I hope I can keep up the pace with the savings plans 🤣 as they say @Simpson ? "For a simple man" (and I count myself among them) this will be a challenge. If so, and I hope nothing extraordinary comes up, then that's a great sum for me/us to put aside and create value.

Oskar is still marginally involved with the VL, but my employer is a bit stingy about that.

Happy new year, good luck in 2025 and, above all, stay healthy, otherwise it's all for nothing anyway. What you do for

Hi, my name is Max, I'm 18 years old and I'm interested in social media and the stock market.

That's exactly why I'd like to document my financial career on Getquin from now on and talk about it with you. As you can probably tell from the name, my goal is to retire at the age of 50. I would like to make this possible through my share portfolio. Thanks to an inheritance, I had the opportunity to skip the hard road to the first €100,000. However, as I was only 15 years old at the time I found out about the inheritance, I had a lot to learn first. Now I'm 18 years old and already know a bit more. Over time, the stock market has become my hobby and hardly a day goes by when I don't spend time with it.

How it all began

As already mentioned, my interest in the stock market was triggered by the inheritance I received in 2019. Since the deceased relative also had a great interest in the stock market and had invested very successfully for many years, my father thought it would certainly be in his interest if I invested the money too. Fortunately, my father is also very experienced in the stock market, so he was able to explain a lot to me. So it wasn't long before I bought my first ETF with him. This was classically the $IWDA (+0,17%) . I also bought a fund for the Asian region $JQ8Y72 . At the time, this was a recommendation from a friend's bank. However, I sold this fund at some point with a loss of around 25%. That wasn't the best start, of course, but it did teach me how to deal with losses. In those early days, I learned a lot about the stock market from YouTube, but also from other platforms such as Der Aktionär and Finanzen100.

The first individual shares were added in 2023. That was back then $GOOGL (+0,14%) and $DHL (+0%) . This was followed by other tech giants such as $AMZN (+0%) , $MSFT (+0,09%) and $AAPL (+0,19%) . I now have 17 different individual stocks. Looking at my portfolio, most of them will probably be familiar to you, but there are also some smaller stocks like $EUZ (+0%) , $NHH (+0,16%) and $LNN (+0,04%) I bought because I find them exciting for the future.

Past and future

Fortunately, my portfolio has performed really well in recent years, in my opinion. This year, too, I am going into the new year with around 20%. Tech stocks in particular have performed strongly and generated decent returns. As I am very optimistic about the tech giants for the next few years, I will continue to hold them in my ETFs despite the doubling. As things stand today, however, I have 2 positions that I would like to change. $DHL (+0%) will probably be the first stock to leave my portfolio. Personally, I just don't have the feeling that the company is developing as strongly as many of my other shares. Of course the DHL share is great as a dividend stock, but I want to focus on growth first. That's exactly why I'm going to $GGRP (+0,25%) reallocation. The current replacement is the $FUSD (+0,19%) . I like the quality focus behind these ETFs, but I don't need GGRP's shifted focus on dividend stocks, as I don't really care about dividends at the moment.

In September 2025, I will start my apprenticeship as a bank clerk. From then on, I plan to finally set up my first savings plan. As I'll still be living at home at this point, it should be easy to save a high proportion of my trainee salary. But I'm also making sure that it's not too high - after all, I don't want my quality of life to suffer because of my savings.

Building up additional income

I have been very interested in social media since 2020. When I was 14 years old, I started an Instagram page and reached over 25,000 subscribers within 1-2 years. During this time, I was doing really well financially and I experienced some really great things. For example, I raffled off 120 liters of beer to my community with a brewery. But I'll write a post about that in my subscriber feed soon. After all, the whole thing doesn't really have anything to do with the stock market, which is why I don't want to burden the homepage with it. However, if any of you are still interested, feel free to follow me and read the story soon.

There I will also explain again why I can no longer use the site.

I'm currently trying my hand at YouTube. I'm using artificial intelligence to create videos in the hotel niche. The results are surprisingly good. More on that soon ;)

I'm also currently trying to build up my reach on Instagram. I recently opened an account on Instagram, which should address the same topics as this Getquin account. If you are interested, you are of course welcome to drop by. I'll try to add the link to the account here:

Generation Aktienrente 📈| Vermögensaufbau mit 18 (@aktienrente.mit.50) • Instagram-Fotos und -Videos

With the help of these projects, I hope to be able to build up a more or less passive income in the future, which I can then put directly into my share portfolio. However, to be honest, I also enjoy them as they are, which is why an additional income is not absolutely necessary.

Nevertheless, I will upload regular updates to my feed, which will document my current projects and their developments in detail.

End

This brings us to the end of my first article. I hope I have been able to arouse the interest of at least a few of you and would of course be delighted to receive feedback and suggestions for improving my portfolio and my plans.

I wish you all a happy new year!

Possibly a controversial topic ;)

In the last few days I've been writing more and more in the comments here that I don't think ETFs like Fidelity Global Quality Income are so great, at least for young people. So that I don't have to write the same thing over and over again, I'm going to write a post.

As many of the ETFs compared here have only been around for 5-7 years, I can unfortunately only make a comparison of performance over 5 years. That's quite short, I know. However, it is good in that we had two difficult years. Apart from the fact that, as a young person, I would only consciously choose a distributing ETF if I were planning my portfolio for retirement, for example, I have now also chosen the distributing variant of the standard ETFs here for better comparability.

My opinion is that anyone with a long investment horizon will get the best return and probably even the best payout if they choose a standard ETF.

The others are suitable as an add-on or main ETF as soon as you reach a certain age (and retirement is just around the corner) or you have a lot of capital and want to live off the dividends.

Now for an overview (source: Morningstar)

$HMWO (+0,17%) MSCI World dist

Performance 5 years: 13.11% p.a.

Last 12-month distribution: 1.41% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above (note: this is too high and is not intended to suggest that you could achieve this safely. The performance over a longer observation period is worse p.a.)

Result: approx. 4,000,000 euros

Distribution, assuming that it (the div yield) remains constant: EUR 56,400

$VWRL (+0,16%)
FTSE All world dist

Performance 5 years: 11.63% p.a.

Last 12-month distribution: 1.28% p.a.

Simulation, investment today 100,000 euros, 30 years with performance assumed above

Result: approx. 2,700,000 euros

Distribution, assuming that it remains constant: 34,500 euros

Incidentally, this again shows my general problem with the AllWorld compared to the MSCI world... When does it ever perform better? How often have EM outperformed DM?

To colleagues with an investment horizon > 30 years => Do you really want to leave 1.3 million euros lying around?

$FGEQ (+0,19%)
Fidelity Global Quality

Performance 5 years: 11.07% p.a.

Last 12-month distribution: 2.2% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 2,300,000 euros

Distribution, assuming that it remains constant: 50,600 euros

Insight: I have considerably more capital with the MSCI World and potentially a higher dividend.

But: It is true that the 5-year dividend growth is higher with Fidelity than with the MSCI World dist, and not insignificantly so. It is therefore more likely that Fidelity will be able to keep its dividend payout constant than the MSCI World. However, the difference in capital of over 1.5 million euros is very significant.

However, it should be noted that this ETF effectively takes the MSCI World, then filters according to quality aspects (there is also the $IS3Q (+0,17%) which also performs better) and then filters by distribution. The amount of the distribution is at most relevant for the weighting. Or how else can you explain the fact that NVIDIA, the dividend stock par excellence (irony), has a not-so-small position in the ETF? And please don't tell me about dividend growth: Yes, it's great for NVIDIA, but when will I receive a distribution that isn't 0.03%? In 80 years? What I'm trying to say is that the ETF doesn't really have a dividend approach. It has a nice payout ratio and nice dividend growth, but it doesn't generate this by buying stocks with a real dividend focus. You can find that good or bad.

$GGRP (+0,25%) WisdomTree Dividend Growth:

Performance 5 years: 7.34% p.a.

Last 12-month distribution: 1.57% p.a. (reduced)

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 830,000 euros

Distribution, assuming that it remains constant: 13,000 euros

Why do I still think it's a good addition: it brings a few defensive companies into the portfolio or gives them a higher weighting. Depending on market expectations, this can therefore be a good addition.

In contrast to Fidelity, it also has a significantly different approach to the MSCI World, for example.

$VHYL (+0,16%)
FTSE All world High Div Yield

Performance 5 years: 7.62% p.a.

Last 12-month distribution: 2.97% p.a.

Simulation, investment today 100,000 euros, 30 years with performance assumed above

Result: approx. 900,000 euros

Distribution, assuming that it remains constant: 26,730 euros

$TDIV (+0,17%) VanEck Morningstar HighDiv

Performance 5 years: 11.07% p.a.

Last 12-month distribution: 3.98% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 2,300,000 euros

Distribution, assuming that it remains constant: 91,540 euros

Now that's a dividend ETF to be proud of. It performed comparatively well in 2022 in particular, unlike the others. This is precisely what makes it interesting as an add-on.

It has a focus on finance.

It is by no means a stand-alone ETF, but in my view it is a great alternative as an addition to generate dividends.

(5Y DivGrowth 7.5%, lies between MSCI World and Fidelity)

____________________________________

Conclusion: In terms of the capital generated, the MSCI World is without doubt the best choice. With regard to the distribution, it is not possible to make such a general statement. In any case, there is no conceivable scenario in which I would choose Fidelity over the MSCI World for a long-term investment horizon and capital accumulation - not management. I simply leave so much capital lying around...

My recommendation for beginners is therefore:

MSCI World, about 70-80%, distributing or accumulating depending on your goal

A small engine (more on this in a moment), approx. 20-30%

For more experienced investors with a dividend target:

MSCI World, dist, approx. 50-60%

VanEck, approx. 15-20%

Motor, approx. 20-30%

I would go for Fidelity if I either have capital and can live off dividends, or if I'm approaching retirement and want to supplement it:

Fidelity instead of MSCI world: 80%

VanEck: 20 %

(Motor, only in the first case: capital to live off distributions and at the same time still aiming for further wealth accumulation)

About the engines:

Of course, the Nasdaq comes to mind and I would go for it in principle. I would also prefer it to the MSCI World IT because, contrary to popular belief, the Nasdaq is not limited to technology. It currently also includes a number of companies from the consumer discretionary and consumer staples sectors, for example. Nevertheless, its performance is of course extremely convincing. I wouldn't care about overlaps with the MSCI world, as they probably wouldn't lead to any company suddenly having a 10% portfolio share or anything like that.

And then I recently dug up something else: $LAB2 (+0,19%)

Unfortunately, it hasn't been around that long, but the index has been around for 7 years and in these 7 years the index has had a performance of 14.78% p.a., unfortunately no statement for 5 years (Nasdaq in 5 years: 21.62%). So it turns out that it can't keep up with the Nasdaq, but it is not quite so technology-focused and not limited to the USA. I bought it myself because it offers an excess return over the MSCI World and at the same time includes companies that were not previously in my portfolio and shifts my weighting.

The fund invests in strong brand values.

However, because it does not generate such a strong excess return as the Nasdaq, it is not really an engine in the classic sense, but perhaps suitable for a more conservative approach.

PS: The S&P 500 is not included in the overall comparison because all the others have a global approach. That would be somewhat unfair. Of course, its performance is significantly better.

-No investment advice

Merry Christmas in advance!

I noticed that the dividend announcement for $GGRP (+0,25%) and $DEMD (+0,27%) for January has dropped dramatically, but I haven't found anything about it on the Internet. That would be a great pity. And it looks like the two ETFs will pay out quarterly in the future, but April should also be occupied, but it is not. Am I mistaken, and can someone perhaps enlighten me in this regard? thanks in advance.

I would like to add gold to my ETF portfolio. Since I don't have a huge savings rate as a student, it doesn't make sense for me to buy physical gold, which is why I would like to use a gold ETC. Trade Republic offers the $SGBS (-0,06%) and the $WGLD (-0,05%) .

The $SGBS (-0,06%) stores the gold in Switzerland and the $WGLD (-0,05%) in Great Britain. As far as I understand it, with both you have the right to have the gold physically delivered to you if you want it at some point. I am now wondering which of the two ETCs makes more sense and whether there are any fundamental differences. Can anyone tell me which one is more suitable? My monthly savings rate is currently €100, which I can currently choose between the $VWCE (+0,17%) (70%) $GGRP (+0,25%) (15%) $FGEQ (+0,19%) (15%). Now I would like to add some gold with 5-10%. My investment horizon is 20+ years.

I look forward to your advice.

LG

Closing 2024 and conclusion

Hello everyone interested in finance,

Time is running out and before you know it, the year is already over. 🚀

We are fast approaching Christmas and while the last dividends for this year are fluttering in and the last investments are being made, we are already making plans for 2025 and adjusting our goals accordingly if necessary.

Last year, I had resolved to focus less on individual stocks and to get back on track with my health in addition to the work I had to do around the houses. The focus for savings plans should be on the $GGRP (+0,25%) should be on the

Well, what can I say? It turned out completely differently, of course, and like the @DividendenWaschbaer I tend to prefer individual stocks 🙃

As a result, I invested a lot more here than originally planned. Which is basically not the worst thing ☺️

Over the year, I was able to achieve a monthly savings rate of around 40-45%, which meant I significantly exceeded my targets for the year.

In addition to my salary, this was made possible by rental income and monthly net dividends of around €165. For me (a simple skilled worker in industry without a night shift), this adds up to quite a tidy sum, but at the same time it also means that I fell well short of my target of €200 net. Well, new attempt in 2025, postponed is not canceled 😅

In terms of real estate, things have also gone quite well.

The outside area of the apartment building is 99% complete (as we all know, you never really finish 😜), the old property has found nice new owners and the same tenant is still living in the apartment building. To sum up, things could have gone worse!

In terms of health, things didn't progress as hoped, Long Covid is still kicking and the completion of the outdoor area around the house was followed by a double slipped disc (who actually needs shit like that? 🥹)

So health is back at the top of the list for 2025, closely followed of course by increasing the monthly dividend 😬 🚀

We are also still looking at potential properties from time to time so that we can possibly shorten our working hours earlier (who doesn't want to be lying on the beach in their late 50s? @Barsten 🍹 sipping 😎 🏝️)

As the lady of the house would like another conservatory, I probably won't be able to keep the savings rate at the same level, but you should treat yourself sometimes and don't forget -> Happy Wife, Happy Life! 😋

To summarize:

Health top priority 🚀 Rehab in early summer if necessary

Winter garden in fall 2025

Net monthly dividend of € 200

Finally, I would also like to briefly refer to the podcast by @Koenigmidas podcast: -> listen here https://open.spotify.com/show/3kFrjqvHWMRgAx0Q23rhZE?si=4eonwQnFSFu1wubj1k1hzg

And one more thing on my own behalf:

This year, I am once again supporting the "Dividends against cancer" donation shares.

The money goes to the Children's Cancer Foundation. Even small amounts help here. I would be delighted if there were one or two donors among you! @Simpson
@Barsten
@DividendenWaschbaer
@FrauManu
@DonkeyInvestor feel addressed 💚

You can donate here: https://www.kinderkrebsstiftung.de/spenden-helfen/spendenaktion/?cfd=8m2vx&frb_utm_source=social-share-link#cff

Now it only remains for me to say thank you if you have read this text up to this point and of course a Merry Christmas and all the best for the coming year! 🎅 🍀

The gray November showed what it can do. Rain, clouds, cold and wet. It was just the perfect weather for me to go hiking and ice bathing. Especially in the second half of the month, the temperatures headed towards freezing point. I was finally able to hike and ice bathe in temperatures that were perfect for toughening up. So while I was trudging through Saxon Switzerland in the first decent snow from sunrise to sunset and bathing in ice water at 1°C for two proud minutes, on the other side of the pond the newly elected president unleashed the "Trump wave", which lifted all our deposits and wallets. Time for a look back.

I present the following points for the past month of November 2024:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ WHAT IS REALLY IMPORTANT

➡️ OUTLOOK

➡️ Shares

$AVGO (+0,05%) , cooled off in terms of performance in the past month. Of course, its +169% is impressive, but the positions behind it are not sleeping. $NFLX (-0,08%) is close behind with +151%. This also applies to the volume invested. It's hard to believe that the streaming giant is doing so well. I didn't think the company would see such rosy times again. All due respect! Together with Netflix, it is also $WMT (-0,17%) in terms of volume and is already at +89% in terms of performance. I would hardly have expected such a boring business model to deliver such a stable performance. At the lower end $DHR (-0,12%) Dick is still in the red. For me, this is still the result of the unbundling. $NKE (+0,04%) and $TGT (+0,14%) have problems with their business figures and $OR (+0%) certainly also. I would be happy to add to this, if only I had significantly large sums to spare.

➡️ ETFs

I'll spare myself the typical "everyone has to have this" blah-blah-blah this time and my $VWRL (+0,16%) is the heavyweight of my entire securities portfolio at 13.41%. You know what I mean. The only thing I have to say is that financial education in Germany is still inadequate and something needs to be done about it. Now one party is stating in its platform that capital gains should be taxed as a secondary type of income like a main type of income. Such a demand is simply the result of a lack of financial education and - excuse my language - stupidity. For me, this party is absolutely unelectable. But that goes beyond the scope. Politics does not belong in my program, but perhaps there will be a separate post here about why I am ultimately an absolute fan of the capital gains tax - simple flat tax. Hopefully, more and more young people will join the capital markets and use their votes to ensure that left-wing non-performance-related blah-blah-blah will soon be a thing of the past. Because we must not leave Germany behind.

➡️ Dividends

I received 19 distributions on 8 payout days in November. I am grateful for this additional income stream. My minimum target has been met again. Even in this low-distribution month. I can therefore now safely increase the size of the reinvestment of the distributions. From next month, €105 will be reinvested instead of the planned €80. I have already explained how my reinvestment strategy works in a separate article. The snowball rolling down the slope is getting bigger and bigger.

➡️ Cashback

In November there was a small payout from the health insurance bonus program. Otherwise the month was poor in terms of cashback. But that will come again in December.

➡️ Subsequent purchases

Two small additional purchases were made to boost the cash flow in my old portfolios On November 7 and 8, small sums went into the $GGRP (+0,25%) and $SPYD (+0,19%) .

➡️ P2P loans

I want to continue to cut back and get rid of the two remaining platforms. Only Mintos and Peerberry are left. There has been no interest for a long time.

This asset class will soon be history for me

➡️ Crypto

Wow! What a month. The red Trump wave has really boosted my crypto portfolio. Can you still remember the days when $BTC (-1,72%) were bobbing around at under 70K? The price level was totally unusual. I'm wide awake now and haven't just been on the sidelines for a long time. I regularly check the prices and a few indicators. The first limit orders were already triggered at $xrp in November. At USD 1.10, this token was kicked out of my portfolio. Of course I could have done more, but I went home with a good profit. As I write now, the next limit orders will be triggered soon. I described how my strategy works, what assumptions I make and where I see the exits in great detail in two posts earlier this month. As of now, no subsequent dividend stock or dividend ETF has been bought from the proceeds, from whose dividends the additional purchases will be made in the new bear market. But I am sure that this will happen this year.

➡️ What is really important

Thanks to the automation of long-term wealth accumulation, there is enough time to focus on the important things in life. Because the end of it is sure to come.

With a healthy lifestyle, I want to delay the end as much as possible. And yet I'm currently thinking about who I want to leave my estate to at some point. It certainly won't be the state, it's already cashing in well on taxes. Regular readers can now imagine who might be in my favor. I'll have to deal with the subject of wills at some point. In any case, I want to sort it out somehow when I'm young, even if it's subject to change.

At the end of the month, I spent time with the kids again, whose father I would have liked to have been myself. The older one has now reached an age where she's slowly beginning to realize that she's not growing up in such good financial circumstances. After I made a firm commitment to her during our trip to Berlin to support her with her dreams and her future, I also took action. It is important to me to introduce the child to financial education step by step. My principle is not to encourage and challenge at the same time. Let's see how well I succeed, I'm certainly very optimistic.

➡️ Outlook

Why I have dollar signs in my eyes when I see my utility bill and where I'm donating some of my earnings in December, as well as the further course of my implemented crypto strategy, will be revealed in December. In any case, the month is full of excitement, as 2 more cryptocurrencies will soon be released from my wallet.

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

Depot review November 2024 - The depot is growing despite larger withdrawals 🚀

Before I continue with the second part of my investment story, I would first like to share my portfolio review for November.

The second half of November was almost quiet compared to what happened at the beginning of November. Trump was elected, triggering a veritable run on the stock markets. Germany was finally freed from the traffic lights and there were also some exciting topics in the private sphere. I sold a few shares back in October to generate the equity I needed to start building a house. This continued a little further in November.

Overall, my savings rate will also (have to) be lower over the next few months. Less into the portfolio and more into the "buffer account" for building the house. Nevertheless, around €500 per month will continue to be invested and this will be pushed up again as quickly as possible.

After selling 6 shares and an ETF in October, I sold parts of my MSCI World ETF for around €13,000.

But now it's finally time to look at the hard figures:

Monthly view:

In total, November was +6,3%. This corresponds to price gains of ~20.000€.

The MSCI World (benchmark) was +7.3% and the S&P500 +5.1%

Winners & losers:

A look at the winners and losers is particularly exciting this month:

On the winning side with a total of almost €5,000 in price gains, my crypto investments in Bitcoin and Ethereum. This is followed by the long runner NVIDIA with price gains of just under €2,000. 4th and 5th place then goes to the cybersecurity sector with Palo Alto Networks and Crowdstrike.

On the loser side looks very quiet this month. Amgen is still the worst performer with losses of ~€600 due to a weight loss drug that failed to fully meet Wall Street's hopes. This is followed by Sartorius with share price losses of €200. Places 3-5 are then occupied by share price losses of less than €100. All in all, a month with almost no losers.

The performance-neutral movements in October amounted to just under € -6,000. Parts have already been removed here for private topics.

current year:

My performance in the current year is +29,9% and thus above my benchmark, the MSCI World with 26.9%.

In total, my portfolio currently stands at ~345.000€. This corresponds to an absolute growth of ~€93,000 in the current year 2023. ~72.000€ of this comes from price gains, ~3.300€ from dividends / interest and ~16.000€ from additional investments.

Dividend:

• Dividends in November were 21% above the previous year at ~€160
• Procter & Gamble is in the lead with a (gross) dividend of €50 every 3 months.
• In the current year, the dividends after 11 months are +25% over the first 11 months of 2023 at ~2.500€

Buying & selling:

• I bought in November for significantly reduced ~700€
• As always, my savings plans were executed:
• Blue ChipsProcter & Gamble $PG (-0,13%) TSMC $TSM (-0,12%) S&P Global $SPGI (+0,76%) Alphabet $GOOGL (+0,14%) Johnson & Johnson $JNJ (-0,28%) Amgen $AMGN (+0,13%) Herhey $HSY (+0,29%) Alimentation Couche-Tard $ATD (+0,2%) Caterpillar $CAT (-0,07%)
• 
  GrowthBechtle $BC8 (+0%)
• 
  ETFsMSCI World $XDWD (+0,17%) Nikkei 225 $XDJP (+0,29%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0,25%)
• 
  CryptoBitcoin $BTC (-1,72%) and Ethereum $ETH (-1,99%)
• 
  Sales as mentioned at the beginning, there was a larger part of my MSCI World holdings in November

Target 2024 & outlook 2025:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market performance in the current year, my portfolio already stands at ~€345,000 at the end of November.

As is well known, one should not praise the day before the evening, but I am optimistic that my portfolio will not fall so far in December that I will not reach my target.

What will happen in 2025? The logical goal would of course be to reach €400,000. 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 tracking my liquid assets here, I will 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?

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