Hello dear community,

Christmas Eve is over and I thought I'd use the time to introduce myself. My name is Daniel, 45 years old, proud father of two grown-up daughters and I'm now also a member.

I burned a lot of money in the 90s with biotech shares on the "Neuer Markt". I think it was Quiagen. No matter. Back then, it wasn't as easy as it is today to get a comprehensive overview of the markets. I was cured for a long time and kept my hands off it. Looking back, not so clever 😩

With regard to my pension, I was actually not completely inactive and will probably have around 5K (per month) before taxes and contributions at 67. In addition, there are payments and shares from Riester, LV, industry pension and separate pension. That should be enough, as I'm actually a frugal person.

In addition, I'm venturing back onto the trading floor with shares and the like.

Now let's move on to my goals in the stock market world.

I want to create as much of a cushion as possible so that I can simply do what I want. Renovate a property, possibly sell it, go traveling, build a new home - anything is possible. And if I do end up giving up early, I want to provide my children with the best possible financial security.

To achieve this, I have structured my portfolio as follows.

35% shares

65% ETFs ETCs and funds

When it comes to shares, I have to admit that I am influenced by current trends and preferences for one brand or another. $AAPL (-1,69 %) , $AMZN (-1,09 %) etc., have tempted me. However, I quickly realized that I'm not the type for individual stocks. I'm keeping an eye on the shares, but I won't be expanding this part of my portfolio any further and will invest in ETFs again in due course.

In future, the focus will be on ETFs and ETCs, such as gold. $XGDU (+1,07 %) gold.

My ETFs are roughly divided up as follows.

- Technology

- industry

- Armaments and defense

- gold

- Raw materials

These are mainly dividend-paying ETFs. I plan to keep reinvesting the dividends via the annual exemption order, in our case EUR 2,000, but save as much tax as possible.

Crypto is a closed book for me. I'm not cut out for this kind of thing. I just don't understand the principle. And somehow too late.

I probably should have invested 100 euros in $BTC (-0,74 %) if I had known about it. Then I probably wouldn't have to worry about it today.

In addition to my initial investment, I would like to use the monthly savings installment of 500 euros with an annual growth rate of 3% for the next 20 years to perhaps take a bath in my bathtub like Scrooge McDuck. It probably won't be enough for the money bin, but what the heck.

My basis is the UniDynamicFonds: Global -net- A ($LU0096426845 C ). Yes, I know it's a fund with a relatively high TR. It's a relic from days gone by. However, it has not done badly over the last five years. I will convert this main position into an ETF in due course and steadily build it up. The second fund will then also be transferred to ETFs. Here are the $XAIX (-1 %) and the $XUTC (-1,33 %) are ready.

But I will come back to you with a separate question.

My current larger positions are

- UniDynamicFonds: Global net A $LU0096426845

- UniSector: HighTech A $LU0101441672

- VanEck Defense ETF A $DFEN (+1,55 %)

- VanEck Semiconductor ETF A $IE00BMC38736 (-1,29 %)

- IE Physical Gold ETC Securities $XGDU (+1,07 %)

- VanEck Ms Developed Markets Div Lead ETF $TDIV (-0,02 %)

- SPDR MSCI ACWI IMI ETF $SPSA (-0,89 %)

The rest is somewhat broadly diversified. I find Health very interesting, but here I have chosen two individual stocks $$NOVO B (-0,45 %) & $DXCM (-1,52 %) "and I'm still looking for the right ETF. Here I have the $XUHC (+0,34 %) for the time being.

In the near future I will be looking at Japan $UIM5 (-1,12 %) Nordic countries $XDN0 (-0,55 %) Europe $V3EL (-0,55 %) and also Germany $VGER (-0,41 %) further. I also see long-term potential here and I am creating some distance from my very US and technology-heavy investment stocks.

Roughly speaking, my portfolio should have a large all-world ETF and everything else around it - in keeping with the current times - is the Christmas bauble around the tree.

I look forward to any feedback.

Have a nice holiday season

Best regards

Daniel

____

Thanks to @DonkeyInvestor for the guide 🤪

Brief introduction Dexcom $DXCM (-1,52 %)

I have been a diabetic for over a year now and have since come across several publicly traded companies. Among others Novo Nordisk $NOVO B , Sanofi $SAN (-1,59 %) Abbott $ABT (-0,45 %) and Dexcom. Most of them I come across regularly, but Dexcom (me personally) not so often.

But what does Dexcom do at all and why is the company relevant for me independent of the stock exchange? "DexCom, Inc. is a US-amerikanisches company that kontinuierlich messende Glucosesensoren for Diabetes-patients, develops, manufactures and distributes." And they are the market leader in this area, along with Abbott. These sensors are permanently attached to the skin and measure the concentration of tissue glucose and send that value to a reader or cell phone every minute. From there, the data can be used and shared with doctors, for example. The lifetime of a sensor is 10 days for Dexcom, 14 days for Abbot. These sensors can also be increasingly integrated into other systems. For example, both the FreeStyle Libre 3 and the Dexcom G7 can be connected to an insulin pump (Ypsomed). The pump and the sensors then form a so-called closed loop, which functions more or less like an artificial pancreas (where the body produces its own insulin).

These sensors (independent of brand) make my life much easier, they allow me to monitor my blood glucose permanently and thus prevent metabolic derailments (hypo-/hyperglycemia). Should a derailment occur, however, the system alerts me with an alarm and I can react. This is especially helpful at night, when you don't have a constant eye on your cell phone/reading device and there is a possibility of oversleeping a derailment.

Dexcom's preliminary revenue can be estimated at $2.91 billion, which would represent 19% growth over the previous year. Dexcom shows a performance of more than 850% (170% p.a.) in the last 5 years and with a P/E ratio of more than 150 it is already a bit hot in my eyes. Due to the quite high growth, one should in any case also look at the P/B ratio, which is about 22 and the earnings per share at 0.78€. As with Abbott, there is no dividend.

Diabetes diseases are becoming more and more frequent (estimated number for 2045: 783 million, which corresponds to an annual increase of about 2%). Diabetes is currently not curable and so this disease will accompany me as well as others for a lifetime. Good management is essential to avoid secondary diseases such as diabetic foot and to reduce the risk of heart attack or stroke due to "sugared" blood vessels. These sensor systems help tremendously with this and by changing them every 10/14 days, recurring intakes are safe for the manufacturers. I think Dexcom is a good investment, but would wait for setbacks here.

No investment advice, I have compiled the information to the best of my knowledge and belief, there is no guarantee of accuracy. Spelling errors as well as errors in grammar are extra and serve for amusement.

Netflix out, Dexcom in

Exciting products that will certainly continue to develop strongly in the future. I expect further growth.

I am again looking for future topics from the healthcare sector. In the process, I came across Dexcom. This company is a leading manufacturer of continuously measuring glucose probes.

Diabetes is one of the widespread diseases that entails long-term and costly treatment and therapy. With this background, Dexcom's business model fills exactly this gap.

What do you think?