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Part 3 Strategy 2025 and Performance 2025

For 2025, I announced that I would build up my portfolio defensively and focus on distributions until I reached the high end. From April, I was finally able to invest in individual stocks again.

At the same time, I am aiming to reduce the crypto share to 10% (currently 27%), as the high share is also the main reason for the weak annual performance.

But let's take a look at the other portfolios and investments:

Nao is up 4%

Oskar is up 34 %

Timeless is up 26 %.

You can find the performance of my child's portfolio in Part 1.

My TR custody account is up 4% for the year

the good old Sparkasse custody account is up 29.61% since the start of the year thanks to $SLI (-1,38%) I wonder when Ms. Groth from the Wirtschaftswoche will get in touch regarding her article from last November (edit: in the podcast leben mit Aktien in der folge vom 26ten November at 31:05 she was thanked for it), in which she mentioned me with the standard lithium idea, which I have been following since 2017. Anyone who digs out the Focus Money magazine from May this year will also find me.

But other stocks also had a good run for my stockpicking/buyback old portfolio (see attachment).

Nevertheless, my average annual return has fallen to 32.4% since 2017 and my total TWROR is now 169%.

The fact that I did not achieve my personal annual target of 15% this year may of course be due to the distraction caused by the birth of my child or to the changeover at the beginning of the year and the start of the buyback of the old portfolio regardless of the current valuation. At the same time, my monthly expenses increased by an average of €500, while I can save €850 less compared to last year. Due to my wife's parental leave, I am now the sole provider and have taken over 60% of her fixed costs.

I'll get back to you in a few days with part 4 Outlook and goals for 2026

7 Comentários

Chris@Multibagger

Let's assume that questions are allowed. How do you see $CWR. She has recently made more corrections.

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SGP@Koenigmidas

@Multibagger So I find this fantasy around fuel cells for data centers really difficult. After the strong run, I think we could see another correction of around 30-40%. I may well switch to ITM or Hexagon in the near future. How do you see that?

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Chris@Multibagger

@Koenigmidas I once treated myself to them as a savings plan in my Pie at Trading 212. And of course I started with a much higher buy-in. But the amount is still very small and at the moment I'm buying more cheaply in further very small quantities. I also see opportunities. But I also have $2GB in this pie as an alternative.

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Krush82@Krush82

Since you have been on the stock market since 2017 and have achieved a CAGR of around 32% (which is very good), I would be interested to see what your individual annual returns look like

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SGP@Koenigmidas

@Krush82 I've actually been with the bank since 2010, if you include the financial education I've enjoyed, then even longer. Unfortunately, the savings bank no longer provides earlier evaluations, so values from this period are missing. The year 2016 is also not included with +15.4 %.
The results at a glance:
2017: +35,26 %
2018: -58,22 %
2019: -2,15 %
2020: +161.29 % (special case, as I had an additional € 20,000 available to invest)
2021: +164,4 %
Over the course of the year, I sold around 95% of my portfolio to buy property. Until April of this year, I therefore only had savings plans and residual positions. Only after building up a sufficient buffer have I invested more in individual stocks again since April.
2022: -51,92 %
2023: +26.99 %(in the 2023 article it was still over 30%, the trackers deviate in part)
2024: +19.1% (in last year's contribution at 21%)
2025: currently -1.42%
Side note: I do not include my robo-advisor and Nao here, as they run passively and are not actively managed or monitored by me.
Information on the investment volume
From 2009 to 2015, I only invested a total of €400 in new investments. All other positions were either reallocated or fully realized.
From 2016, 75% of the remaining salary at the end of the month was invested each month. In the years that followed, this percentage was gradually reduced: first to 74%, then 73% and so on, until it currently stands at 66%. Always one % less per year, but with rising wages it remained almost identical.
Since 2020, no individual shares have been purchased in the months of August, September and October. In 2020, a special investment of € 20,000 was added, which came from the sale of a car we won.
Outlook for 2026:
In the coming year, an increased savings phase is necessary due to unpaid leave. Purchases of individual shares will therefore be reduced to just 10% of gross salary.

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Krush82@Krush82

Thank you for your transparency. The fluctuations are not insignificant and very wild. Was it always the same strategy and allocation behind it or did you adjust it more often? So in year x higher crypto exposure etc pp? And since when have you had a consistent strategy?

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SGP@Koenigmidas

@Krush82 My strategy consists of several building blocks:
In the beginning, I mainly bought stocks that I could identify with and that appealed to my imagination. However, I also had the biggest fluctuations with these positions.
Later, I switched to buying shares that I felt were undervalued. As soon as they were up by around 15%, I sold them and reallocated the capital to other stocks.
This was followed by investments based on my factor watchlist. You can find this in the second part of my review.
I also invested according to Joel Greenblatt's "magic formula": Stocks are sorted according to certain criteria (e.g. low P/E ratio, high return on equity), held for a year and then re-evaluated. If the key figures are no longer correct, they are sold and replaced by new stocks.
I think there was also a lot of luck involved. During Trump's last term in office, it was often possible to buy into falling share prices. I also had very risky investments and penny stocks, such as Vision Lithium, which reached seven times their value on individual days. I was even able to sell Plug Power at a multiple of 27.
At the same time, I was an early investor in stocks such as Netflix (at around 80 euros), AMD and BYD (each at around 4 euros).
I generally try to keep the crypto share at around 10%, which is not always possible depending on the market phase. There are only savings plans running there, and a small portion comes from my late uncle's estate.
I hope that answers everything.

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