6D·

Review of February 2025

The second month of 2025 is already over. Time is flying by again at breakneck speed and one event or statement follows the next this year. It's crazy what's going on at the moment and at the same time the market is somehow saying "I don't care".

Up down, up down, the markets are becoming more volatile and yet, or precisely because of this, my February was almost at +/-0.

But one thing at a time.

In February I achieved a plus of 0.8%. With my portfolio size, this corresponds to a value of almost €900. Not particularly good compared to the Dax (+3.77%), but still very respectable compared to the HSBC MSCI World (-2.49%).

Unfortunately, things do not look any better over the year (YTD).

The Dax is running away with 13.3%, while the MSCI World is bobbing along at 1.6%. Here, too, I was at least able to beat the World, but I still lag miles behind the DAX.

Overall, however, I am still very satisfied. As I don't have a lot of tech in my portfolio and my stocks are (mostly) rather stable, there is often no outperformance of the stocks and if there is, it is only marginal.

My high and low performers in February were (top 3):

$HSY (+2,34%) Hershey +15.63%

$T (+1,29%) AT&T +14.07%

$NESN (+2,69%) Nestle +13.10%

$ADM (+2,76%) Archer Daniels -8.57%

$UNH (+1,38%) United Health -13.16%

$TSLA (-1,09%) Tesla -27.59%

Dividends:

In February, I received a net €123.62 from a total of 10 distributions.

Compared to February 2024 (€99.26), this was an increase of 24.54%

Investments:

Due to the construction work on the house last year, the focus continues to be on building up the nest egg and saving up a "leisure account" again, as everything was really used up completely last year and only the custody account remained.

The savings plans will of course continue unabated, but individual investments are probably not possible for the time being.

Purchases and sales:

I have parted with Mercedes ( $MBG (-1,56%) ) and Medical Properties ( $MPW (+4,65%) ).

I then added to Lockheed Martin ( $LMT (+2,14%) ), Hershey ( $HSY (+2,34%) ) and Petroleo Brasileiro ( $PETR4 (+0,12%) ).

My savings plans remain unchanged, but it is quite possible that I will stop them for the time being in order to build up investment cash again.

Savings plans (350€ in total):

Realty ($O (+1,39%) )
STAG Industrial ($STAG (+0,15%) )
Gladstone Invest ($GAIN (+1,3%) )
Hercules Capital ($HTGC (+1,51%) )
Cintas ($CTAS (+0,77%) )
LVMH ($MC (-2,24%) )
Monster Beverage ($MNST (-0,08%) )
Microsoft ($MSFT (-1,69%) )

Goals 2025:

My goal is to have €130,000 in my portfolio at the end of the year. The goal is to be achieved by reinvesting the dividend, making payments and, of course, increasing the share price. The share price increase is of course impossible to predict in any way, so the motto is: if the share price falls or does not rise enough, more cash is needed.

This comes from selling useless stuff on eBay, additional income from e.g. "neighborhood help" etc. The worse the share price, the more additional cash has to be raised.

Target achievement at the end of February 2025: 37.41%

So I'm on the right track (so far). I'm curious to see what else will happen in 2025 and hope that the crash, which seems to be getting closer and closer, will take a little longer (so that I can continue to accumulate cash).

How was your February? Are you happy so far? I think that, due to the volatility, the portfolios in February are far more spread out than they were in January or even at the end of last year.

20 Comentários

Ben@ben922

"I'm curious to see what else will come in 2024" Bro i thought 2024 was over, how much did i smoke? On a more serious note, you are doing good.

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Ella Marie Waschbär@DividendenWaschbaer

@ben922 thanks for notifying 😅

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BockaufDividenden@BockaufDividenden

Just great to see so many different dividends! Tip top! I hit €100,000 at the end of last year with around €2,500 in dividends for 2024.
This year I'm aiming for €130,000 and hope to reach around €3,300 in dividends...that would be really motivating.

I'm thinking about whether I should also save individual div. shares in addition to my div. ETFs, e.g. for 10 years with dividend growth, which have been paying out dividends for 15-25 years.... I see your stock selection as a good example!

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Ella Marie Waschbär@DividendenWaschbaer

@BockaufDividenden Thank you very much!
Be careful with shares with dividend growth. I once saw a calculation (but I can't remember where) that showed that dividend growth may well only pay off later. So depending on how low the dividend is, you may need 20 years before your chosen share overtakes another with a higher dividend yield. You should do the math beforehand, otherwise you'll be worse off afterwards.

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BockaufDividenden@BockaufDividenden

@DividendenWaschbaer Yes, I have also seen this in calculations on social media somewhere, .... be it here on getquin, Insta or another bubble

I would tend to go for stocks that are in the category of the stock king:
https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/

I would also be more comfortable if these shares had already reached a divi of around 2.5 to 3.5%.

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SGP@Koenigmidas

You will soon crack the 130 k mark ❤️ and I would like to sell Mercedes at €63

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Ella Marie Waschbär@DividendenWaschbaer

@Koenigmidas Yes, could have waited but wanted to tidy up a bit. With 57 positions, I already have so many 😅

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SGP@Koenigmidas

@DividendenWaschbaer the way you feel comfortable 😅

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Mister_ultra@Mister_ultra

I really like the structure of the monthly review 💪😁

The DAX's YTD performance is just brutal. I know that the DAX did extremely well, but to see the +13.3% annual return is really crazy.

The 130k should certainly be in there, but probably depends extremely heavily on market performance, as it did for me this year.

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Ella Marie Waschbär@DividendenWaschbaer

@Mister_ultra Thank you.
The performance is really mega. But nevertheless, the Dax still lags far behind the S&P over several years. It's just a snapshot.

I don't want to say whether the 130k is a certainty. I always expect a 7% price increase (which is unlikely to be the average for my portfolio in the long term). That would mean that I would have to pay in another €11,200. Due to the fact that I want to top up my nest egg and also want to reinvest a "leisure account" (things like spontaneous vacations or treating myself to something), this is a bigger challenge. Because despite the dividends of (hopefully) €2400 net, there will still be ~€9000 left over, which will have to be paid in first.
All in all, I'm still optimistic.

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S.A.U.@SAUgut77

First of all, I would like to point out that raccoons and wild boars seem to get along well, but unlike donkeys, this is probably also due to the wild 🤫😉😅

In addition, hats off to the overall result and, despite everything, to achieve a good result in volatile times...

...wasn't that bad for my expectations in February either...

Depot is now at approx. 16250€ (still in its infancy, so to speak🤫)

TTWROR total at just over 50%

There were 4 distributions with 95,96€ (gross 101,65€)

Since I am not a fan of savings plans, there was, as always, a usual monthly purchase (always approx. 500-600€) $HSBA

Apart from earlier, I was a bit itchy with Petrobras, otherwise the rest goes to the cash reserve...

Beat the S&P500 by 1.34% and missed the DAX by 5.36%, but constant dripping.....😁

The target for the end of the year is 23k with a + and a net dividend of approx. 1250-1400€.

All in all, everything is within reach so far 😉

With this in mind, I wish you continued good investment and may the dividend and growth be with us ✌️

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Ella Marie Waschbär@DividendenWaschbaer

@SAUgut77 Thanks.
my TTWROR is 52.54% according to getquin (only 22.66% according to Portfolio Performance, so I prefer to believe getquin).

I started with savings plans and no individual purchases at all. That was fine to start with. In the meantime, however, I enjoy individual purchases more and I can also make more targeted purchases. If I have savings plans, I'm largely invested, because they're always running and then I don't have any cash (or not enough) if I really want to buy more.
Well, I've already reduced my 25-30 savings plans to 8.

HSBC is also still on my list. But there's a lot there anyway.

Your net dividend is really very high for the amount in your custody account. It's certainly nice to have a cash flow like that.
I'll also keep my fingers crossed that things continue to go uphill.

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S.A.U.@SAUgut77

@DividendenWaschbaer yes, I also wanted to look into portfolio performance again, but I'm currently working on my own Excel spreadsheet .... but maybe it's also due to my further training as a financial accountant 😁

With regard to my dividend yield, it may also be due to the fact that I only have 9 positions in my portfolio so far 2x USA, 1x Brazil and the rest are completely withholding tax-free and I also caught a really good time with some positions (e.g. $BATS at 27.5 total, $VICI total27.5, $O at approx. 49.x, $MUX at 23.61)... the total amount mentioned above also includes this year's purchases, but so far the level is about 110-1200€ net.

That's why I prefer individual purchases instead of savings plans

And well, the additional cash flow is nice to save up for case x or to get the snowball rolling again...

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Ella Marie Waschbär@DividendenWaschbaer

@SAUgut77 So portfolio performance is already great. You should definitely take a look at it before you build something yourself.

The entries are really great. You've made some really good picks.
What bothers me a bit about Mutares is that they pay out of the substance. Or at least that was the case until recently.

Let's see what I do with my savings plans. Maybe I'll just buy the savings plan shares at my current target and then stop them. Let's see 😂

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Wachstums_Aktionär@schokosahne

Because I'm very active in tech, semiconductors and pharmaceuticals, I have to say it's hurting a bit at the moment. But if you look at the over 100% shares in the portfolio, the correction doesn't necessarily hurt me, but of course I won't come out with a result that is positive, deep red.

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Ella Marie Waschbär@DividendenWaschbaer

@schokosahne But the months so far have gone very well for you. And as you say: in the end, it's the total return that counts. 👍🏻

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Wachstums_Aktionär@schokosahne

@DividendenWaschbaer Exactly that, I have made over 40% return in one year, whether the s&p500 makes the 10 to 25% correction now doesn't hurt me. I took a few profits at the high and now I'm looking for a bottom and then the positions will be increased.

I think in the end you have to find your own way, the one you have through dividends and defensive stocks in the sense of stability, would be nothing for me and it is just as right and that shows that everyone can be successful with a plan.

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Ella Marie Waschbär@DividendenWaschbaer

@schokosahne That's exactly how it is 👍🏻

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Wachstums_Aktionär@schokosahne

But how do you do that with the quarterly figures etc.? I currently have 17 positions and it feels like I'm working through the figures every two weeks, as well as listening to the ceos' speeches, etc. Keeping track of so many companies is brutal, I imagine.

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Ella Marie Waschbär@DividendenWaschbaer

@schokosahne It depends on the strategy. I don't pay much attention to the quarterly figures. And I never listen to the CEOs' speeches. With big things, you do notice when something happens and since I want to hold on to the values for as long as possible anyway, only the annual financial statements are halfway relevant. Even if things are going badly, you don't have to keep an eye on them all the time. And if it does (as with Mercedes or Medical Properties, for example), then it's a bit more work, but I have almost nothing left of it.

Otherwise, I take a look at the summary reports, note the change in forecasts and look at what the free cash flow looks like. By and large, that's all there is to it.

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