Besides $UNH (-2,35%) , $PEP (-1,1%) , $MRK (-3,37%) , $HD (-0,3%) and other stocks with strong dividend growth, the $TXN (+0,82%) interesting in the tech sector.

Div. yield: 3.5%

Div. growth >15% (p.a. 10 yrs)

YoC over 10% in 10 years, IF $TXN (+0,82%) continues to increase strongly.

$TXN (+0,82%) manufactures semiconductor electronics. These electronics are in cars, factories, solar panels, medical devices, washing machines and our calculators. Quite simple in contrast to the conventional chip manufacturers.

$$TXN (+0,82%) is the world market leader in analog chips with a market share of around 20%. Number 1 ahead of $IFX (+1,29%) and Analog Devices. Texas Instruments is solid, conservative and avoids risky hypes such as AI or gaming chips.

Fast financials:

Sales stagnated the last two years over -10% from 20 bn (2022) to 15.6 bn (2024). This year, sales stabilized at 16.6 bn (TTM). Moderate increase in recent years. The gross margin is >60% on annual average, which is quite stable for the company. The company's net profit is in the range of 30-40% of sales.

The historical average FCF payout ratio of dividends is 62% with the strong increases in the past.

Texas Instruments is in the same position as many other companies, the market cycle is currently playing against them. For a dividend investor, Texas Instruments may become interesting to secure a high YoC yield for the future.

How do you see it?

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The second "What if" report by climate tech company Right° was published on Thursday. Right° compares company data with the goals of the Paris Climate Agreement. Right° sets the limit value at a global warming of 1.7 degrees by 2100.

None of the 34 DAX companies analyzed would be Paris-compatible if no further measures were taken to reduce emissions. However, according to the data, twelve companies have decoupled their value creation from climate-damaging emissions in recent years to such an extent that they are on a Paris-compatible path.

And five of these companies also have a Paris-compatible climate target.

For companies, doing business in line with Paris means decoupling their value creation from climate-damaging emissions.

According to the "What if" report, the climate pioneers RWE $RWESiemens Healthineers $SHL (+0,95%)Adidas $ADS (-0,52%)Deutsche Börse $DB1 (-0,27%) and Porsche, which was relegated from the DAX $P911 (+0,72%). Both the climate targets and the track record of these companies are on a Paris-compatible path.

However, there are clear differences between the DAX companies in terms of their track record. Many are a long way off the targets of the Paris Climate Agreement.

Source text (excerpt) & graphic: Handelsblatt, 31.10.25

After $MSFT (+0,52%) and $GOOG (+1,76%) now $AMZN (+4,45%)
🚀

I try to document our development transparently - not as a

not as a "showcase", but as motivation of what discipline and time can achieve.

2025 was a strong year for us:

$

• Share price gains: +8.65 %
• Dividend yield: +2.02 %
• Total return (IZF): +10.46 %
• TWROR: +7.03 %

This puts us well ahead of inflation,

which means that our assets are growing in real terms

so our money is not losing purchasing power, but gaining it. 💪

The difference between IZF and TWROR also shows that

Our savings plans ran particularly efficiently during weaker market phases - in other words

precisely when many people hesitate or pause.

This pays off in the long term. 📈

💰 Dividend development:

In 2025, we received around € 3,390 net in dividends - which

which corresponds to around € 282 monthly cash flow.

The forecast for 2026 is already around € 3,670,

i.e. an increase of around +8 %.

All distributions will of course be reinvested. 🔁

🔹 Our structure:

• 500 € VWRL - global basis for growth & stability 🌍
• 500 € TDIV - focus on dividend strength and growth
• Vanguard FTSE High Dividend (VHYL) - high income focus 💰
• 100 € Bitcoin - store of value & admixture ⚡️
• Individual stocks such as Allianz, BlackRock and an S&P 500 ETF

We deliberately focus on distributing ETFs,

not because they necessarily generate higher returns,

but because of the psychological effect:

💬 "To see cash flow is to feel progress."

Long-term goal:

A steadily growing, globally diversified cash flow,

that gives us financial security -

and grows above inflation year after year.

How are you doing?

👉 Will your return also be above inflation in 2025?

👉 Do you reinvest everything or do you use some of your dividends?

According to TR I am at $BYD -800 euros, although according to getquin my minus is only around -250 euros.

TR obviously didn't get it right with the taxes.

Does it make sense to sell the position with such a high (apparent) loss - although it's not actually that high - and buy it again the next day?

This would fill my loss pot nicely.

Hello,

I have recently sold some individual shares again to take profits.

My portfolio has changed somewhat as a result, particularly in terms of individual stocks. Among other things, there are now some stocks with small amounts, which I will increase again.

Unfortunately, I still have a few skeletons in my closet that I can't get rid of.

For example $PARRO (+1,67%) or $3NGL (+10,15%)

Shares like $BNTX (+0,53%) I unfortunately bought too high.

What would you recommend? Wait until I get out without a loss or continue investing to compensate for the loss with an increase in value?

I am currently rebuilding the portfolio. Should I add shares from other sectors or continue to follow the trend? $RHM (+3,76%)
$NVDA (+2,88%)
$Google

September was a successful month - my securities account climbed to 38.827 € and gained +6,19 % significantly more than the major benchmarks (NASDAQ100: +4,94 %, S&P500: +3,19 %, FTSE All World: +3,23 %). I was thus able to clearly beat the market again. 🚀

1. performance & comparison 🚀

My portfolio benefited from a balanced mix: while individual techs performed well, other sectors provided additional stability. Particularly striking: the outperformance compared to the DAX & S&P, which were comparatively weak in September.

2. my savings plans & allocation 💶

As usual, my ETF savings plans continue to run consistently - with a focus on the solid foundation of MSCI ACWI $ACWI and World Small Cap $WSML (+0,14%). In addition, capital flows monthly into Berkshire Hathaway (B) $BRK.B (+0,31%) as a flexible, defensive allocation with optional cash flow leverage in a crash scenario.

In addition to the securities, I also invested € 180 in an original oil painting by Luciano Torsi in September - a small but deliberate step into alternative real assets. I am thus adding an aesthetic, real asset with long-term value retention potential to my allocation.

3rd top mover in September ✅

The list was headed by IREN $IREN (+13,23%) (+76%), which benefited from the strong demand for AI data centers. Also American Lithium (+36 %) also showed strength. Alibaba $Baba (+35 %) made significant gains thanks to cloud growth, in-house chip development and the rejection of NVIDIA chips. Rheinmetall $RHM (+3,76%) (+17 %) continued to benefit from high defense demand, while the uranium sector (+16 %) and Crowdstrike $CRWD (+1,99%) (+14 %) also performed well.

4th flop mover in September ❌

On the opposite side Snowflake
$SNOW (+1,24%) (-5%) lost some ground as investors became increasingly critical of its high valuation - despite solid figures. Also Mercado Libre
$MELI (-0,51%) (-4 %) also suffered from profit-taking after a strong summer rally. Keyence $6861 (-0,12%) (-3 %) and Tomra Systems $tomra (-2.8 %) corrected slightly without the fundamental picture deteriorating. The month was somewhat weaker for Novo Nordisk
$NOVO B (-1,05%) (-2.2 %), which continues to struggle with political risks and patent concerns in the GLP-1 segment. Even Berkshire Hathaway fell slightly (-1 %).

5. conclusion 💡

My September shows: Diversification pays off. Individual techs like Snowflake are correcting, but satellites like IREN and Alibaba are more than compensating for this. With the savings plan on Berkshire, I remain defensively prepared should volatility increase in Q4.

❓ Question for the community:

Which value surprised you the most in September - positive or negative?

Hey, I'm Tunahan, 18 years old and I live in Belgium. I'm still in school at the moment, but my passion for personal finance, personal development, financial markets and especially building a strong mindset started when I was 15 💡.

💼 Work & discipline

In addition to school, I work in a supermarket on weekdays and at Nike on weekends. In total, I work around 55 hours a week. The reason? Students in Belgium can work tax-free - and I take full advantage of that. Despite my busy schedule, I always make sure to keep time for myself.

At the moment I still live with my family, which allows me to keep my fixed costs low and invest more in my future.

🔥 Motivation & mindset

What motivates me every day: I have my goals hung up directly opposite my bed. I see them every morning - and that gives me the energy to work on myself consistently.

📚 Books & inspiration

I read a lot of books about mindset, money and personal growth. Some highlights that I would recommend to anyone:

• The Psychology of Money - Morgan Housel
• Rich Dad, Poor Dad - Robert Kiyosaki
• Think and Grow Rich - Napoleon Hill
• The Richest Man in Babylon - George S. Clason
• Being Rich and Wealthy

These books should actually be compulsory reading for all schoolchildren. Unfortunately, the school system pays no attention to the subject.

📈 My investments & strategy

I have built up a clear asset allocation, divided into different categories:

• Stability & Growth - Invesco FTSE All World 🌍
• Strong growth - Nasdaq ETF 📊
• Dividends & Security - VanEck Dividend Leaders 💵

I also have crypto in my portfolio as I believe in blockchain technology. As a young investor, I can take more risk than someone in their 40s with a family and children.

💰 Financially, it looks like this:

• Average income: approx. 2100 € per month
• Expenses: approx. €100 per month (as I still live at home)
• Investments: approx. €2000 per month directly into the portfolio

In this way, I am gradually building a strong and diversified basis for my future.

🎯 My "why" & plans for the future

My biggest "why" is that I want to have financial freedom later on so that I can devote my time to the things that are really important to me. I don't want to be dependent on a boss or the school system, I want to go my own way.

My first big goals are:

• Start my own business before my 20th birthday
• Open a waffle store because I love entrepreneurship and see this as a great opportunity 🧇
• Make my first real estate investment
• Continue to expand my sustainable and strong investment portfolio

Next year I will graduate from high school and after that I want to start my own business. My goal is to build a system that works even when I'm not actively working.

🙌 Call to the community

I'm looking forward to your opinion:

👉 What tips do you have for young investors or entrepreneurs who are just starting out?

👉 Which books or experiences have helped you the most along the way?

In short, I believe in hard work, smart investing and lifelong learning. I look forward to sharing my journey - and learning from you too. 🚀

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