Hey everyone,

what do you think of the combination $VHYL (+0,25%)
$ISPA (+0,12%)
$ (+0,41%)ZPRG (+0,41%) as a dividend payer?

First of all:

Thank you for the warm welcome to the getquin community!

Unfortunately, I did not read the HowTo:Portfolio feedback on GetQuin from @DonkeyInvestor

for a detailed presentation only later and this time I'm trying to write in more detail than the first time and to substantiate the decisions I made in order to possibly receive even more precise feedback from the community. 💛

My personal goal is to become completely debt-free and at the same time start steadily building up assets 📈to improve my private pension provision in 2026. I am expressly prepared to take a higher risk in the first year of my investment and am therefore trying out almost everything.

This year, I would like to operate according to the conscious principle of "set and forget" and consciously review my strategy at the end of 2026 between the holidays and adjust it if necessary.

Instead of "keep it simple", it's more likely to be "overenginerring."

I see your numerous tips as the reason for this, for which I would like to thank you again at

@Epi
@Gehebeltes-EFH
@Stullen-Portfolio

@Metis
@Wealth-Accelerator

@Multibagger
@Sunrise-Mantis
@EisenEnte

@PositivePossum
@schlimmschlimm

@Brazzo_Muc and @GoDividend

and my general motto in life:

"Anyone can do simple!"

I think at this point in time, investing with "putting everything into the AllWorld ETF" would only be half as much fun for me and would rather bore me. Everything is still so new and unknown. 🤯

I'll then see whether the different investments were generally a good thumbs 👍🏻 or a very bad thumbs down 👎🏻Idee.

The sum of € 5,071.00 that I have already firmly capped and gradually planned to invest in this first year 2026 has already been completely written off in my mind as play money.

For the necessary diversification (ETF, ETC, individual shares and crypto) in my portfolio, I have taken further INCENTIVES and have switched from the initial €100 per month savings plan to an accumulating AllWorld ETF and have set up an additional savings plan of €40 per month on the same AllWorld ETF in distributing form in mid-January 2026.

In the meantime, I came up with the idea at the end of January 2026 and added the two existing savings plans $VWCE (+0,15%) and $VWGL additional savings plans ($AIQG (+0,37%)
$RENW (+0,28%)
$IGLN (+0,13%)
$BTC (-2,09%)
$VHYL (+0,25%)
$ISPA (+0,12%)
$FGEU (+0,26%) to a total of 9 savings plans with a monthly sum of €300.

Unfortunately, it was already too late to execute the savings plans by direct debit at Trade Republic at the beginning of 02/2026. Therefore, they will now only be executed in the middle of this month.

Yesterday I spontaneously decided to place a €50 single order in bitcoin. I just let myself be carried away by the postings. 🤑

The planned unscheduled repayment (€500 per month) for my car loan has now worked well for two months and will be prioritized in order to actually become debt-free more quickly.

The specific amounts and items invested to date and in the future can be seen in this Excel table.

Regarding the 6 suggestions from you @Epi (Yes, you'll get the promised feedback here), I've given the following thoughts in detail, from which my plan is then based.

Deka funds:

The two savings plans of €50 per month each were already suspended by me and were actively used to service the first savings plan of €100 per month.

In addition, I am now liquidating the two sub-custody accounts belonging to the savings plans one by one and selling €100 per month in order to achieve the best possible average value in the sale.

The €100 is then immediately reallocated in the form of five savings plans per month and reinvested as follows:

Core: 65%

Satellites: 35%

of which:

Clean Energy 10%

AI: 10%

Bitcoin: 10%

ETC Gold: 5%

VWL:

I will keep the monthly €40 VWL on the third sub-deposit with Deka until I develop the motivation to inform my employer of another contract. At the moment I have no need to be in contact with the HR department any more than necessary.

Nevertheless, I have set up an additional savings plan of €40 per month for the All World ETF distributing from February 2026.

I'm keeping the three individual shares plus the Xiaomi bonus share in my portfolio to develop a feel for shares.

No further individual stocks are currently planned. This fits quite well in this respect, as I have to hold the bonus share for a year before it can be sold.

Bonus savings contract:

The premium savings contract with a term of 99 years under the "old law" has an annual investment of €150 per month at €12.50 with a guaranteed premium of 50% plus interest and compound interest. After checking the terms and conditions of the contract, switching to 0 would result in an immediate loss of the premium. For this reason, I have decided to keep the contract.

Saving & winning without savings:

Just as I was about to decide whether to cancel the savings tickets, one of the tickets won €1,000 in January 2026. For this reason, I decided to keep my 10 tickets after all.

A key point of my savings lottery tickets is that I get €480 of the €600 back at the end of the year.

These will also be distributed by me to the 5 selected savings plans in December in the same weighting as for the reallocation from the Deka Depot.

The profit from the savings lots in the amount of €1,000 goes to$XEON (+0%) for "max. interest".

Nest egg:

My real nest egg, on the other hand, I keep completely in the call money account so that it is always immediately available to me.

To give me a feel for dividends, I've also picked out three dividend ETFs that I invest €20 a month in.

In combination, these three ETFs ensure that I receive a planned dividend every month. That sounds like a lot of dopamine, at least in theory, so I really like it.

What will actually still be there in 01/2027 from the €5,071 invested is already a 100% profit for me, because after I fell for the game "WOS" 🥶(who knows it?) almost a year ago and blew around 5k on digital crap in 3 months and above all to improve my stove 🔥🪵, this is clearly the better alternative to spend my money on dopamine boosts and pass the time. And being part of a community online at the same time. What more could you want?

So, I'm already looking forward to your feedback. Be honest, I can take it! 🤞🏻

VG

QW3RTY

PS: I could not share my portfolio. The function was grayed out.

The new year got off to a slow start for me. The turn of the year somehow passed me by this time. It wasn't until mid-January that I felt I had arrived in the new year.

But then things got moving: During the first of two hikes through wintry Saxon Switzerland, it occurred to me that there was still something on my to-do list. I just wanted to start making videos again. Whether reels, shorts or entire YouTube videos. That was on my list. And as I climbed the Lilienstein at 8 a.m. on a cold January Saturday, I simply picked up my cell phone and shared my thoughts. But one thing was not enough. During my tours over snow and icy paths and ascents from the Schrammsteine to the Bastei, there were more shots. I finally left my comfort zone again and started the next project on my list. I simply started imperfectly instead of continuing to put off perfection.

Everything continued to run automatically in the background, thanks to automation and savings plans. This time with a small strategic adjustment. Additional funds were not invested, but held back for the taxation of the advance lump sum. The tax-free amounts were just enough, so there will be plenty of additional investments next month.

And now enough preamble, time for a look back.

DISCLAIMER/RISK WARNING

Please remember that this article is for entertainment purposes only. At no point is it a buy or sell recommendation or professional legal, tax or investment advice. Don't just copy anything I do. I am merely describing what is happening in my portfolios, but in no way guarantee that it is up-to-date, correct or complete.

Investing in the capital market is always associated with risks such as loss of invested capital, price fluctuations, liquidation risks or market risks. In accordance with the current guidelines of ESMA and BaFin, I expressly point out that this review serves exclusively to document my personal investment strategy and does not constitute investment advice within the meaning of Section 2 (8) WpIG. The securities presented by me are expressly not to be understood as investment advicebut are merely components of my personal portfolio at the time of reporting.

Overall performance

We all know and appreciate the magic of automation in our portfolios. Except for one thing, the entire news cycle passed me by in January. I'll come back to that at the end.

My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1.64% (previous month: -0.46%)
• TTWROR (since inception): +84,34%
• IZF (month under review): +21.13% (previous month: -5.23%)
• IZF (since inception): +11,50%
• Delta: +1,461.07€
• Absolute change: +€2,572.29

Performance & Volume

My class leader $AVGO (+0,54%) continues to decline as a proportion of the portfolio volume and, as in the previous month $NFLX (-0,29%) with it. The latter even drops out of my top 5 largest individual positions. However, the tide is turning for the giant $GOOGL (-0,2%) . But this is not a recommendation to you! It's just what happened to me. The other positions in my top 5 ($WMT (-0,04%) , $BAC (+0,62%) and $FAST (+1,25%) are also not to be begged and continue to improve, also in terms of performance.

The five red lanterns naturally go to the same weakening candidates (in terms of performance). However, the minus points are finally getting smaller, particularly noticeable in the case of $NOVO B (-1,37%) . And also with $TGT (-0,22%) .

Largest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio (and associated securities account):

$AVGO (+0,54%) 2.56% (main share portfolio)

$WMT (-0,04%) 1.93% (main share portfolio)

$GOOGL (-0,2%) 1.55% (main share portfolio)

$FAST (+1,25%) 1.52% (main share portfolio)

$BAC (+0,62%) 1.45% (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio (and associated securities account):

$NOVO B (-1,37%) 0.45% (main share portfolio)

$BATS (-1,39%) 0.56% (main share portfolio)

$GIS (+0,91%) 0.56% (crypto follow-on deposit)

$MDLZ (+0,23%) 0.60% (main share portfolio)

$CPB (+0,54%) 0.61% (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$AVGO (+0,54%) : +294% (main share portfolio)

$GOOGL (-0,2%) +129% (main share portfolio)

$WMT (-0,04%) : +104% (main share portfolio)

$NFLX (-0,29%) : +77% (main share portfolio)

$BAC (+0,62%) +75% (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$GIS (+0,91%) : -35% (main stock portfolio)

$NKE (+0,43%) -34% (main share portfolio)

$CPB (+0,54%) : -30% (main share portfolio)

$TGT (-0,22%) -26% (main share portfolio)

$NOVO B (-1,37%) : -13% (main share portfolio)

Asset allocation

Equities and ETFs currently determine my asset allocation.

ETFs: 41.9%

Equities: 58.1%

Investments and additional purchases

I have invested the following sums in savings plans:

Planned savings plan amount from the fixed net salary: €1,040

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,060

Savings ratio of the savings plans to the fixed net salary: 50.07%

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 0.00

Subsequent purchases/one-off savings plans as cashback annuities from bonuses: € 0.00

Subsequent purchases from other surpluses: € 0.00

Automatically reinvested dividends by the broker: €3.54 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

In the month under review, only the fixed savings plans were executed.

Number of unscheduled additional purchases: 0

Passive income from dividends

I received € 172.72 in dividends (€ 98.60 in the same month last year). This corresponds to a change of +75.15% compared to the same month last year. The reason for the strong increase, in addition to normal dividend growth, is that the distributions from my three large Vanguard ETFs slipped over the turn of the year, which makes January look unusually strong. Adjusted for this effect, growth is in line with expectations.

Number of dividend payments: 24

Number of payment days: 12 days

Average dividend per payment: €7.20

average dividend per payday: € 14.39

The top three payers in the month under review were:

$VWRL (+0,05%)

$VHYL (+0,25%)

$ISPA (+0,12%)

My passive income from dividends (and some interest) mathematically covered 17.32% of my expenses in the month under review. For a rather weak month with medium-high expenses by my standards (due to the first annual bills), this is acceptable.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows the TTWROR in the current month (and since the beginning):

My portfolio: +1.64% (since I started: +84.34%)

$VWRL (+0,05%) +1.52% (since my start: 66.12%)

$VUSA (+0,14%) -0.26% (since my start: 63.76%)

After underperforming the ETFs last month, the tide has turned for the first month of the new year. 🤗

Key risk figures

Here are my key risk figures for the month under review:

Maximum drawdown:

since inception: 17.17%

Month under review: 2.06%

Maximum drawdown duration:

since inception:702 days

Month under review: 16+ days

Volatility:

since inception: 28.29%

Month under review: 2.28%

Sharpe Ratio:

since inception: 0.42

in the month under review: 9.26

Semi-volatility:

since inception: 21.01

Month under review: 1.36

The maximum drawdown of 702 days since the beginning is still reminiscent of the tough phase of 2022-2023 before the recovery began. In January itself, the decline was minimal at 2.06%, so a quiet start to the year, showing that no major dislocations were imminent.

My Sharpe ratio shot up to 9.26 in the month under review. This is an upward outlier that reflects the positive performance with low volatility. Since the beginning, it has been a solid 0.42. This means that for every unit of risk, I am achieving just under half a unit of return above the risk-free interest rate. Volatility was extremely low in January at 2.28%, compared with 28.29% since the beginning. Semi-volatility was even as low as 1.36%. This means that although the portfolio fluctuates, the actual risk of loss remains low.

What remains? The confirmation of my strategy: think long-term, keep calm, invest automatically. So January got off to a solid and uneventful start. Just the way I like it!

Outlook

As already explained, I will make provisions for the taxation of the advance lump sum in the markets in the second half of February. This will be accompanied by any expected refunds. If you want to know what, be sure to check back next time. 😊

I'll also bring AI as an off-topic topic.

Gemini 3 is simply amazing. I've already used it to create in-depth research on any topic and use it to create podcasts and information material. NotebookLM is now also on the list of tools I'm going to explore. That's the forward momentum in me, to keep my finger on the pulse and get the most out of the new possibilities.

This time I won't end my review with a personal point, but with an event that has not passed me by.

I actually keep politics and world events out of my social media and internet presence, unless they affect our finances, economy or portfolios. What is happening in Iran is absolutely shocking for me. It is inconceivable that the people there, who are fighting for the same rights that we take for granted, are being cut down en masse like cattle by an inhuman regime and its criminal henchmen

Of course you could say: What's it to us? But if we take a look at our country, we realize that such circumstances can also threaten us if we do not stand up for our free, democratic and liberal values and show the clear edge to everything that stands against them. Our women in particular have fought for rights that must be defended. We men also have a duty to defend these achievements. We must understand that all of us who were born and grew up here in the Western world, from Europe to North America to Australia, New Zealand and Japan, have won the ovarian lottery. Not only in terms of poverty and wealth, but also in terms of human rights and freedoms. And that is precisely why there have been and continue to be posts on my Instagram channel that address and share the situation in Iran. Because they are cut off from the outside world and continue to be brutally oppressed, tortured and executed, it is important to give people their own voice and make them visible.

The courageous people who risk everything in the fight for freedom, who have been injured and the countless people who have been murdered, are the greatest heroes this world has seen in recent times.

I wish the people of Iran, who are now risking everything, that they will finally drive out this criminal Islamic regime and its disgusting henchmen and find their way to peace, freedom and self-determination. I wish them all the best and all the happiness in the world. 🍀

Thank you for reading. And now off to an icy February! ❄️

👉 You can also see my portfolio review for January on Instagram from 08.02.2026 (and budget review from 09.02.2026).

📲 In addition to the portfolio and budget review, there are currently three posts a week: @frugalfreisein. Instagram reels and YouTube shorts currently appear irregularly under channels of the same name; the same applies to videos.

!!! Please pay close attention to the spelling of my alias. Unfortunately, there are too many fake and phishing accounts on social media. I have already been "copied" several times. !!!

👉 How do you personally feel the stock market year has started? (No investment advice!)

Dividends are rarely in the spotlight. They do not generate headlines, short-term euphoria or loud promises. This is precisely their strength. They do not follow hype, but a clear principle: continuous participation in the company's success.

The STOXX Global Select Dividend pools companies that have been paying stable dividends for years. Not as an end in itself, but as an expression of solid business models, resilient cash flows and disciplined capital allocation. Dividends are not a marketing tool here, but the result of economic substance.

Looking ahead to 2026, another factor is coming to the fore: the persistently sticky inflation in the USA. Service prices, wages and structural costs are slow to react downwards. Even with a moderate economy, price pressure remains. The environment therefore remains challenging - for consumers and capital markets alike.

In such phases, real cash flows gain in importance. Not as a promise of growth, but as compensation in an environment in which purchasing power is gradually eroding and predictability is becoming scarcer. Dividends are not a protective shield here, but a stabilizing factor in an uncertain inflation regime.

How are you positioning yourselves for a scenario with higher inflation rates in the USA for longer - and what role do dividends play in this? Please let us know in the comments.

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (+0,11%)
• Emerging markets, $EIMI (-0,09%)
• AI and big data, $XAIX (-0,17%)

Smaller side bets were added later.

• Armaments, $DFEN (+0,51%)
• uranium, $U3O8 (+0,51%)
• batteries, $BATG (+0,49%)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (+0,53%) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+1,8%) ,$1SXP (+0%) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (+0,12%)
• $VHYL (+0,25%)
• $ZPRG (+0,41%)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,13%) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (-0,01%) , 34 percent
• $IEEM (+0,01%) , 26 percent
• $XAIX (-0,17%) , 13 percent
• $EXSH (+0,61%) , 26 percent

Side bets with 81 euros per month

• $DFEN (+0,51%) , 62 percent
• $BATG (+0,49%) , 10 percent
• $QYLE (+0,13%) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hello everyone,

Here is my personal review of the year 2025.

First of all - my target for the year was achieved. I had aimed for 98k in the portfolio. This was clearly exceeded

Unfortunately, this was not due to my return. The bottom line is that only the dividends remained this year.

What happened? Amundi really annoyed me back in January. My Basisinvest was supposed to be merged and a tax event first of all made the German government's coffers full of money - so my exemption order was gone and my portfolio reduced accordingly. Thanks for that Amundi.

Well, what the heck - got a new World and continued to save diligently ;).

The aim this year was to restructure my portfolio somewhat and reduce my dependence on Bitcoin. A few new individual stocks were added to the portfolio for this purpose:

$PEP (+0,15%) one-time purchase

$MAIN (+0,37%) one-off purchase and savings plan

$V (+0,1%) one-off purchase and savings plan

$RR. (+1,76%) One-off purchase and savings plan

In the meantime I have then $ETH (-0,5%) my stake and moved it to $BTC (-2,09%) moved it to

Especially from October onwards, my portfolio suffered due to the high crypto share. But anyone who opts for crypto also has to deal with the volatility.

In Q4, I decided to sell one of my dividend ETFs $ISPA (+0,12%)

This was followed by

$MUV2 (+0,24%) and

$PLTR (-0,63%)

Into the depot. Last but not least, I have also been saving the $LVWC (+0,08%) weekly since it was launched.

All in all, I'm still very satisfied with the year. Including dividend reinvestment, I have a savings rate of €1672 per month. Significantly higher than planned. This also compensates for the lack of performance.

I'm aiming for 128k in my portfolio in 2026.

My goal of no longer having to work at the age of 55 - if I want to - remains in focus (16 years to go).

The core of my strategy remains unchanged:

- ETFs as a basis

- Bitcoin

- Solid individual stocks (preferably with dividends)

Yes - my portfolio could be much "simpler" - but I feel comfortable with it.

Nevertheless, I am very happy about your feedback

Hello everyone,

after almost 1 1/2 years as a silent partner on gq, I have decided to have my portfolio taken apart 😋

A few words about me and then about my portfolio.

I am 31 years old, live with my girlfriend and our 4-month-old son in the heart of Bavaria in our small home.

My girlfriend and I both work as employees in an automobile company. (She is currently on parental leave, of course)

About my portfolio.

I started my investment career with physical precious metals and shortly afterwards with cryptos.

When it came to cryptos, I got carried away by friends, I didn't know my way around them back then (I probably wouldn't take such a risk today). Fortunately, this turned out to be a good thing in hindsight.

A good three years ago, I added the first of what are now three portfolios with different strategies.

Depot (presumably for retirement)

$IWDA (+0,07%) / $MEUD (+0,13%) / $CSPX (+0,15%) / $EXS1 (-0,3%) / $EIMI (-0,09%) / $WSML (-0,07%)

2.dividend deposit (for cash flow as a reward on the joint account)

$HMWO (+0,14%) / $ISPA (+0,12%) / $TDIV (+0,01%) / $VFEM (+0,2%)

3.JuniorDepot

$VHYG (+0,3%) / $VWRL (+0,05%) as an accumulator.

Both ETFs are being saved in because the grandparents are financing one of them and I would like to keep them separate and not open an extra custody account.

All custody accounts are saved monthly.

So much for me and my portolio.

I would be very happy to receive any criticism, suggestions for improvement or similar and wish everyone happy holidays ✌🏻

October was the month of big decisions and consistent adherence to the plan! While the crypto market was still euphorically looking upwards, I think I recognized the signals: The bull market came to an end around October 21, For me it was time for an exit from this asset class. With the exception of a small holding of a few euros in $BTC (-2,09%) as a souvenir, I am completely out of crypto. Everything was shifted to my crypto successor portfolio. Sure, there was a brief tingling sensation and I wondered whether I was getting out too early.

But there are plans precisely for scenarios like this. To conquer emotions that jeopardize profits and let discipline prevail. And how am I feeling now after the exit? Pure relief! Finally no longer sitting there hoping that things will rise to my desired level or stay there. I'll reveal in detail what happens next for me in the coming year.

At the same time, the half-year bonus was added to the portfolio, the dividend base was broadened and I was able to relax and let it all sink in while hiking in the autumn air. My portfolios continued to do their job. The cash flow is flowing. Time for a review of a month that shows that a strategy beats FOMO.

Overall performance

October brought another boost for me in some assets, while others consolidated somewhat. Perhaps this is already a sign that stocks are positioning themselves for the year-end rally? I am firmly convinced that the current shutdown in the US administration will not act as a brake here. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1,39% (previous month: +1.76%)
• TTWROR (since inception): +77,04%
• IZF (month under review): +17,65% (previous month: +9.64%)
• IZF (since inception): +10,94%
• Delta: +1,160.94€
• Absolute change: +€2,224.10

Performance & volume

$AVGO (+0,54%) is still my largest single position, but is losing momentum this month. However, its distance to the other positions is large enough, no one in the portfolio can hold a candle to my +337% share. But $NFLX (-0,29%) and $GOOGL (-0,2%) and others are trying hard to get there. Alphabet is now in the top 5 by volume and performance. I like the company. With YouTube and Cloud Services, they have good cash cows that enhance traditional search. And this is now also being upgraded with Gemini integrated into search. And Nano Banana ... wow.

Google is not always the leader, but it is always catching up. The competition between the tech giants is a spectacle that I love to watch.

And yet I prefer to rely on the more stable industries. Even the $BAC (+0,62%) and $WMT (-0,04%) continue to cut a good figure. Boring, but still good businesses that generate income. That's what I want! These are really two sectors that I have become very fond of. Nevertheless, the red lantern once again goes to $TGT (-0,22%) which continue to have a hard time. But I'm sticking with it and buying more. Because $TGT (-0,22%) is systemically relevant and will not go to the dogs. They just have problems with theft and competition.

Size of individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$AVGO (+0,54%) 3.14% (main share portfolio)

$NFLX (-0,29%) 1.72% (main share portfolio)

$WMT (-0,04%) 1.65% (main share portfolio)

$BAC (+0,62%) 1.48% (main share portfolio)

$GOOGL (-0,2%) 1.41% (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$NOVO B (-1,37%) 0.45% (main share portfolio)

$BATS (-1,39%) : 0.50% (crypto follow-on portfolio)

$GIS (+0,91%) 0.55% (main share portfolio)

$TGT (-0,22%) 0.58% (main share portfolio)

$MDLZ (+0,23%) 0.60% (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$AVGO (+0,54%) : +337% (main share portfolio)

$NFLX (-0,29%) +151% (main share portfolio)

$GOOGL (-0,2%) +99% (main share portfolio)

$WMT (-0,04%) +77% (main share portfolio)

$BAC (+0,62%) + 74% (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$TGT (-0,22%) : -35% (main share portfolio)

$GIS (+0,91%) -34% (main share portfolio)

$NKE (+0,43%) : -32% (main share portfolio)

$NOVO B (-1,37%) -28% (main share portfolio)

$CPB (+0,54%) : -27% (main share portfolio)

Asset allocation

Due to my crypto reallocation, the ETF share is increasing. My asset allocation is as follows:

ETFs: 41.5%

Equities: 58.4%

Crypto: less than 0.01%

P2P: less than 0.01%

Investments and subsequent purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: €1,030

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: €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:

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 73.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 894.97

Subsequent purchases from other surpluses: €31.00

Automatically reinvested dividends by the broker: €2.76 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Additional purchases from crypto sales: €1,604.86

Additional purchases were made in various custody accounts outside the regular savings plans:

Number of additional purchases: 9

124.97€ for $SPYD (+0,71%)

770,00 $JEPQ (+0%)

28.00€ for $JEGP (+0,27%)

45,00€ for $GGRP (+0,18%)

477,77€ for $DXSA (+0,39%)

252,51€ for $EXX5 (+0,77%)

270,99€ for $SHEL (+0,07%)

102,97€ for $HSBA (+0,7%)

445.58€ for $BATS (-1,39%)

Passive income from dividends

My income from dividends amounted to € 148.90 (€ 81.32 in the same month last year). This corresponds to a change of +82.43% compared to the same month last year. The strong increase is due to the fact that my large Vanguard ETFs postponed the distribution to the reporting month. Further key data on the distributions follows:

Number of dividend payments: 26

Number of payment days: 10 days

Average dividend per payment: €5.73

average dividend per payment day: €14.89

The top three payers are:

$ISPA (+0,12%)

$VHYL (+0,25%)

$VWRL (+0,05%)

My passive income from dividends (and some interest) mathematically covered 16.05% of my expenses in the month under review.

Crypto performance

My crypto portfolio is distorted by the sell-off and will not be calculated again until I get back in. That will now take quite a while. I got out later than I wanted to, but still made a good profit. Only the Oracle of Delphi knows whether I am right with my approach. My key figures:

Performance in the reporting period: -

Performance since inception: -

Proportion of holdings for which the tax holding period has expired: 100%.

Crypto share of the total portfolio: less than 0.001%

Now it's time for the same thing as last crypto winter. Learning and understanding. And the current crypto winter hasn't even started yet. However, I think that prices will fall less sharply than in previous cycles and that the decline will be more orderly due to institutional adaptation. That's a good thing right now, as it makes it easier to get back in.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

TTWROR (current month): +1,39%

$VWRL (+0,05%) : +4,66%

$VUSA (+0,14%) : +2,76%

I am lagging behind the ETFs. 🤷🏼‍♂️

Risk ratios

Here are my risk figures for the month under review:

Maximum drawdown: 1.94% (YTD: 17.17%)

Maximum drawdown duration: 13 days (YTD: 702 days)

Volatility: 2.51% (YTD: 28.02%)

Sharpe ratio: 7.03 (YTD: 0.39)

Semi-volatility: 1.69% (YTD: 20.82%)

A drawdown of only 1.94% in October? That's exactly how it should be. While the markets trended sideways to slightly upwards, my portfolio remained frighteningly boring. And in the best sense of the word. The volatility of 2.51 % and the semi-volatility of 1.69 % confirm that my crypto exit has increased the stability of my portfolio. No more wild swings, just solid growth. The Sharpe ratio of 7.03? Brutally good. Maybe Trump's China deal helped the markets, maybe it was just my perfect timing. No matter! The figures speak for themselves: strategy beats chaos.

Outlook

Thanks for reading, this time I want to keep the outlook deliberately short. I'm glad that you're honoring the several days of work in front of the computer in the evenings when others are chilling with Netflix with your lifetime. I don't have anything else for the miscellaneous category this time. If you want to know what else is on my mind, please refer to the August review. I'll have something to say about that next December, I think. Stay safe and sound!

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👉 How was your month in the portfolio? Do you have any tops and flops to report?

Leave your thoughts in the comments!