Summary of May 2021

 

Summary of May 2021

By the look of things it is going to be yet another poor year in terms of dividends. Three companies made payments to me so that is great but overall it is not even close to being at a level that will pay by monthly bills.

Had a serious breakdown on the motorway this week. the suspension started to eat into my tyre and even though it was a smart motorway I was lucky to have an emergency stop within an acceptable distance. The car has now been fixed and it was not cheap however it should not disrupt my investment capability too much in the coming month.

Work is going ok but also not more than that. More and more people are now coming into the office and the CEO is old school with people must be there and look busy. He is all about the image and not about actual performance which can be frustrating every now and then.

For the previous summary please visit Summary of April 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 218,164 €. Monthly investments were made in the Mixed ETF, Austria ETF and Lufthansa.

The value of the portfolio is today: 313,034 € and I have 3,323 € in cash on my broker accounts. I have realised gains of 3,323 € and unrealised of 94,870 € (30.3%) which is not good enough but it is improving. My ETFs are now up at a value of 57% of my portfolio.

DAX is now up at 15,520 points which means that it has increased by 2.5% since the previous summary and my own portfolio has reduced by -1.4% in the same time period.

Conclusion: DAX had another good month! My portfolio always takes a bit of a beating when I add in a larger sum of cash which I did during May so I am not surprised about the result. However, the overall sum is starting to look very good and I will very likely go beyond the 350k € in the set timeline.

Dividends May 2021

 

Three companies were kind enough to pay out dividends to me during May which is always very appreciated.

E.On, one of my German energy providers, paid out 188 € from which the taxman took his part and I received 138.42 € as cash on my broker account.

Talanx, my German insurance company and majority shareholder in Hannover Re, decided to pay out 120 € of which I in the end received 88.35 € on my broker account.

BASF, the chemical company have had a very good 2020 and this will continue also in 2021 for sure, decided to pay out a very nice dividend of 462 € which is the same as last year and from this was taken 121.85 € in taxes and I received out 340.15 € in cash.

Stocks bought in April 2021

 

Due to the liquidation of the ETF Portugal I had plenty of cash on my broker account that I needed to bring into the stock market again. As I previously mentioned I did not find another ETF following the PSI20 so instead I decided to go back to an ETF that I have previously owned which was ETF Austria.

I therefore bought 160 parts of ETF Austria at a total cost of 9012.88 € (which includes a fee of 22.48 €) or 56.33 € per share.

I additionally bought 210 Lufthansa shares at a total cost of 2250.55 € (which includes a fee of 3.37 €) or 10.72 € per share.

Summary of April 2021

 

Summary of April 2021

Some dividends arrived of which two very nice ones so that was good. Once again I did not manage to join when DBAG raised their shares in the company so that was annoying and my ETF Portugal went into liquidation and I received the money out as cash. During the 4 years that I had held it I had received around 2.5% in value increase and 5% in dividends so less than 2% per year. Not very good but still better than a bank account. Due to this unexpected sale I now have a, for me, large cash pot that I need to shuffle out on the stock market. I already know what to buy.

My company pension broker decided to push up the costs for an ETF to a level that was just ridiculous so I swiftly changed that to a lower cost one. Happily there were no costs involved in changing from one fund to the next.

Work is going ok. Issues with the cooperation partners that are sitting in countries that have now, once again, been very hard hit by Covid-19. It of course leads to delays that no one wants to have but based on the revenues that we see from many companies then it seems as these periods of lockdown etc. are being caught up very quickly once the countries open up again. The demand is simply there it is just on hold by the look of it.

For the previous summary please visit Summary of February 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 205,702 €. Monthly investments were made in the Mixed ETF and EasyJet.

The value of the portfolio is today: 297,966 € and I have 11,646 € in cash on my broker accounts. I have realised gains of 3,323 € and unrealised of 92,264 € (31.0%) which is not good enough but it is improving. My ETFs are now up at a value of 56% of my portfolio.

DAX is now up at 15,136 points which means that it has increased by 0.2% since the previous summary and my own portfolio has only increased by 3.1% in the same time period.

Conclusion: DAX did not improve significantly during the month while my own portfolio did a little bit better. Generally it feels as if the stock markets have gone up too much, too fast but since I do not believe in timing I will also not step out of the stock market.

Dividends and odd matters April 2021

 

Shell decided to pay out dividends to me and I received 37.10 € as cosh on my broker account.

Skanska made a very nice dividend payment in the size of 231.49 € of which 69.45 € was retained in taxes and I received 162.04 € as cash on my account.

RWE also paid out a nice dividend in the size of 280.50 € of which 73.98 € was kept by the German tax office and I received 206.52 € as cash on my broker account.

Now move on to the more annoying matters... My broker account in Germany always send everything out as paper and needs a signature for everything such as when a company increases their shares. This means that I never manage to respond to any of that because the papers often arrives AFTER it has already taken place.

DBAG raised new shares and since I could not join in they were sold for ma and I received 153.41 € as cash on my broker account.

Apparently the ETF Portugal that I have owned since 2017 was suddenly liquidated and I received 8260.04 € as in cash on my broker account. I've been looking for a different PSI20 ETF but I've not managed to find one so I will have to push it into a different ETF.