Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

• Business economist for financial services (until January 2025)
• Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0,06 %) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,14 %) and $SHA) and commodities ($965515 (+0,66 %)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (-0,73 %) and the $FUSD (-0,98 %) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

• At least 30 % share price growth in the last 5 years.
• At least 10 years dividend history.
• 
  Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (-2,68 %) / $GGG (-0,91 %) / $CS (-1,46 %) / $ASML (-1,43 %) / $MUV2 (-1,75 %) / $CNQ (+1,52 %) / $MC (+0 %) / $TKA (+0,25 %) / $DHL (-0,29 %)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0,06 %) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

⬆️⬆️⬆️

- EXANE BNP raises the price target for ALLIANZ SE from EUR 271 to EUR 295. Underperform. $ALV (-1,16 %)

- BARCLAYS raises the target price for AIRBUS from EUR 166 to EUR 200. Overweight. $AIR (+0,6 %)

- UBS raises its price target for SAP from EUR 237 to EUR 283. Buy. $SAP (-0,12 %)

- BERENBERG raises the price target for LVMH from EUR 695 to EUR 720. Buy. $MC (+0 %)

- EXANE BNP raises the target price for MUNICH RE from EUR 550 to EUR 560. Outperform. $MUV2 (-1,75 %)

- RBC raises the target price for SIEMENS from EUR 205 to EUR 225. Outperform. $SIE (-0,65 %)

- CITIGROUP raises the price target for STELLANTIS from EUR 12.40 to EUR 13. Neutral. $STLA

- KEPLER CHEUVREUX raises the target price for DOUGLAS from 28.60 EUR to 29.90 EUR. Buy. $DOU (+1,69 %)

- CITIGROUP raises the target price for DWS from EUR 43 to EUR 44.70. Buy. $DWS (+0,39 %)

- CITIGROUP raises the price target for FRAPORT from EUR 62 to EUR 72. Buy. $FRA (-0,92 %)

- UBS upgrades AMADEUS IT from Neutral to Buy and raises target price from EUR 67 to EUR 80. $AMS (+0,03 %)

- DEUTSCHE BANK RESEARCH raises target price for PHILIPS from EUR 25 to EUR 26. Hold. $PHIA (+1,59 %)

- DEUTSCHE BANK RESEARCH raises the target price for MAN GROUP from GBP 2.65 to GBP 2.75. Buy.

- GOLDMAN raises the target price for RIO TINTO from GBP 67 to GBP 73. Buy. $RIO (+0,21 %)

- JEFFERIES raises the price target for SIEMENS ENERGY from EUR 31 to EUR 50. Hold. $ENR (-4,05 %)

- RBC raises the target price for SCHNEIDER ELECTRIC from EUR 195 to EUR 210. $SU (-2,98 %) Underperform.

- EXANE BNP upgrades HANNOVER RÜCK from Neutral to Outperform and raises target price from EUR 265 to EUR 285. $HNR1 (-1,37 %)

⬇️⬇️⬇️

- DEUTSCHE BANK RESEARCH lowers the price target for NOVO NORDISK from DKK 1000 to DKK 900. Buy. $NOVO B (-0,45 %)

- BOFA lowers the target price for RWE from EUR 44 to EUR 42. Buy. $RWE (-1,64 %)

- JPMORGAN lowers the price target for NETFLIX from USD 1010 to USD 1000. Overweight. $NFLX (-3,21 %)

- MORGAN STANLEY lowers the price target for SYMRISE from EUR 137 to EUR 130. Overweight. $SY1 (-0,05 %)

- KEPLER CHEUVREUX lowers the target price for REDCARE PHARMACY from EUR 145 to EUR 138. Hold. $RDC (-1,23 %)

- WARBURG RESEARCH lowers the target price for BECHTLE from EUR 51 to EUR 45. Buy. $BC8 (+0,66 %)

- STIFEL downgrades WACKER CHEMIE from Buy to Hold. $WCH (-4,75 %)

- RBC lowers the price target for DAIMLER TRUCK from EUR 55 to EUR 51. Outperform. $DTG (-2,33 %)

I'm actually quite happy with my position at the moment, but I think I want to improve my $MC (+0 %) and $VFEM (-1,21 %) as I already have $VWRL (-0,87 %) already have emerging markets in it.

Do you have any suggestions for expansion?

Doesn't have to be long-term, higher risk is also not a problem.

Hello,

My portfolio is finally the way I wanted it to be. (MSCI World and FTSE all World are for retirement provision and parents, so don't pay attention to them).

The plan for the future is pretty simple, hold 10 stocks, if some of them correct/crash extremely, buy more. Otherwise, focus on the three ETFs and leave. The investment horizon is at least 45 years.

What do you think of this and which quality companies would you find suitable? I am currently looking at $MSFT (-0,88 %)
$MCD (-1,26 %)
$MC (+0 %) and $ISRG (+0,22 %) at

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 (-2,07 %) 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 (+0,06 %) with approx. 6,000€ price gains. 3rd-5th place

are shared by TSMC $TSM (-0,61 %)
Alphabet $GOOG (-0,71 %) and Meta
$META (+2,21 %) with gains of ~€5,000 each.

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

Sartorius $SRT (-0,21 %)
Nike $NKE (+0,17 %)

and Bechtle $BC8 (+0,66 %) 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 (-0,37 %) 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 (-0,16 %) Republic Services $RSG (+0,68 %) Thermo Fisher $TMO (+0,24 %) ASML $ASML (-1,43 %) Northrop Grumman $NOC (-0,79 %) Itochu $8001 (-1,4 %) Constellation Software $CSU (-1,11 %) Hermes $RMS Salesforce $CRM (-2,08 %) MasterCard $MA (-2,03 %) Deere $DE (-0,09 %)

- Growth: -

- ETFs: MSCI World $XDWD (-0,78 %) and the WisdomTree Global Quality Dividend Growth $GGRP (-0,56 %)

- Crypto: Bitcoin $BTC (+0,06 %) and Ethereum $ETH (-0,14 %)

- 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

Happy New Year everyone! We are starting the new year with adjustments to the Sina ETF. (The performance here below somehow no longer corresponds to the actual performance, but so be it...) After this post you'll have peace and quiet from my ETF again :D

I sold some stocks and invested the dividends I received last year. That left me with 19 euros in cash, so it's still a 40-share ETF ;)

If this were my only portfolio, I would probably have held more cash and not reinvested directly, as the entry point doesn't always seem optimal. But I also proceeded without regard to entry points.

For the question of how high the profits or losses were, please refer to the portfolio.

Out are:

$STLAM (-1,51 %) (loss)

$AFX (+3,79 %) (loss)

$MC (+0 %) (loss)

$OR (-0,95 %) (loss)

$7203 (-1,71 %) (loss)

$D05 (-1,96 %) (Profit)

$RHM (+0,08 %) (Profit)

$ENR (-4,05 %) (Profit; also dropped from my "real" portfolio)

Partial sale:

$WMT (+1,57 %) at 50%

Increased by:

$AAPL (-1,69 %)

$MSFT (-0,88 %)

$ASML (-1,43 %) Since the position was down over 20%, but I am convinced in the long term

$GOOGL (-0,59 %)

New additions:

$BKNG (-2,09 %)

$JPM (-1,51 %)

$NU (+0,66 %)

$COST (-0,63 %)

$AFL (-1,79 %)

$INTC (-2,55 %)

$CRM (-2,08 %)

$NOVO B (-0,45 %)

The stock market year 2024 is slowly coming to an end my dear investors!

I hope you were able to get the last-minute Christmas presents 👀 such as $NOVO B (-0,45 %) ?🥹

Time to review the year. Normally it's not my strong point to write such texts, but I still wanted to say a few words ✍️📖

I thought the stock market year 2024 was very full of ups and downs geprägt🌦️ especially the European companies like $ASML (-1,43 %) / $MC (+0 %) did very well at the beginning of the year, but the returns were lost again over the course of the year and we are now back to the beginning of the year 📈+/-📉 0.

Of course, not "all" shares have performed as erratically as the above-mentioned shares. Some shares simply continue to perform consistently well like $BLK (-2,31 %) or $MSFT (-0,88 %) 📈

That's why I find "stock market life" so exciting, thrilling and interesting, because not everything always goes equally well or badly. Otherwise everything would be too "monotonous", wouldn't it? 🫣

I don't want to go into individual titles now, otherwise this article won't be finished in 2 years' time 😂

Nevertheless, I think / hope that most of you were able to take the dips in some stocks well👏

My expectations for 2025 ?

Everyone is talking about a crash/correction📉 for next year etc... but I personally don't know people 🤷🏼‍♂️ I'll take it as it comes. Of course I hope to see a dip in some stocks again 👀 or get a second chance to get in or build up my position further. But we will see 🫣

I would like to highlight 3 GQ users who have added a lot of value, at least for me🎊

@Tenbagger2024 I think through you, you really see what many and at the same time unknown companies with massive potential exist in the world! You live up to your name 🫶

@Michael-official For me, there's no way around you for all company news/earnings! You are so quick with the quarterly figures, news 📰 and much more! that's crazy🤯 🗞️

@BamBamInvest of presentations from companies, you are really amazing!

So much information about a company like $SOFI (-1,85 %) you have to spend a lot of time 📖collecting information via various websites & so "short and informative" zusammenzufassen✍️ for the community here you first have to create 🙏🏽

You can expand your knowledge of the stock market considerably. "You never stop learning" 🤓 I think you have become a little inspiration on this platform for many investors here, including me🤙 Thank you for the inputbecause that's not a given.

I really enjoy reading your posts because it's just so interesting and informative at the same time!

I don't read that many posts and don't comment much on this platform. I'm more of a "silent observer" 🤫

Nevertheless, I would like to thank you for your day-to-day work, news, contributions etc. that you put together for us!

THANK YOU THANK YOU THANK YOU 🙏🏽♥️

At the end

I would like to wish all GQ users a Merry Christmas. Enjoy this wonderful time together. Reflect, think about the things that you have and that are really important to you in life. It's often the little things that matter, the things that you quickly forget in the rush of everyday life. Thinking about what you have, appreciating it and preserving it is what Christmas is all about.

Set priorities; fill your life with golf balls before you fill it with sand.

Happy New Year 2025! 🎇🎆

Above all, stay healthy!

🥂🍾Cheers to you! May your fortune continue to grow in 2025! 💥

Now a few questions for the group

How did you personally find the stock market year 2024?

What do you think the year 2025 will be like ?

Do you have any wishes, goals or ideas for next year?

Otherwise, have a nice evening!

Thanks for reading

See you 🫶

yours Aktienhauptmeister✌️

The French stock market offers a large number of interesting stocks that are also very popular with investors.

Popular?

Well, yes,

Who wouldn't like LVMH, Sanofi, Air Liquid, Airbus, Safran, L'Oreal,

Essilor-Luxottica, Hermes, Danone, Pernod-Ricard and perhaps even more in your portfolio.

in the portfolio.

However, there are some hurdles and risks here.

On the one hand, we have to deal with the selection of stocks and the valuation and try to buy the stocks that we believe will rise in value at a favorable time.

Secondly, buying French shares is subject to French financial transaction tax (FTT) and 30% withholding tax on dividend distributions.

My optimization suggestion:

Instead of dealing with a large number of French shares and ending up doing everything wrong, I choose an ETF.

This has the following advantages, among others:

1 The individual share risk is spread.

2 Tax advantage for withholding tax, thanks to the double taxation agreement (see below)

3 Automatic rebalancing - the worst stocks are removed at regular intervals and new promising stocks are added to the ETF.

4 Low trading fees

Biggest disadvantage:

1 Most likely you will only achieve the average market return.

I have therefore opted for the Xtrackers CAC 40 LU0322250985 and will no longer buy French equities. Alternatively, the accumulating iShares MSCI France IE00BP3QZJ36 would also have been a good choice in my opinion.

Both ETFs offer a tax advantage, although you cannot avoid FTT. However, both Luxembourg and Ireland have a double taxation agreement with France. This means that the withholding tax on French dividends is reduced to 15%. Of course, this tax advantage applies not only to distributing ETFs, but also to accumulating ETFs.

I consider the already low TER of 0.2x% to be completely negligible, as both ETFs have had a positive TD for years.

In view of the weak performance of the current year, we could now be in a phase in which it could pay off to collect shares "cheaply" in order to benefit later from a higher personal dividend yield.

Conclusion:

I am selling LVMH and betting on the Xtrackers CAC 40 ETF to cover my entire exposure to France.

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$MC (+0 %)
$AIR (+0,6 %)
$AI (-2,04 %)
$OR (-0,95 %)
$RMS (-0,67 %)
$EL (-0,49 %)
$RI (-2,54 %)
$DX2G (-0,55 %)
$IS3U (-0,58 %)