Second Month
Der zweite Monat, Juni 2017
The second month, June 2017
And so we continue with the month of June. Since I've fallen in love to buy shares, I've been more focused on german shares. For this month, I decided to buy the shares BMW, Allianz and Deutsche Post. I've looked at a few investor sites to see what stocks have done well in dividend yields in 2017. As dividends [in germany] are typically distributed in spring or summer.
Deutsche Post is more likely to be in a downtrend, but 5.85% returns sound very attractive. And letters will also be send to people in times of financial crises. Be it reminders, invoices or other communications from service providers or wedding invitations and other tickets.
Bayern Motoren Werke seem to have lost value in the last 2 years, from 125 € to ~ 80 €. But I think this is a fair price for investors. BMW is next to Mercedes (Daimler) and VW the pride of our nation. I would find it strange if as a german investor i am not involved in at least one of the above-mentioned companies. BMW and Mercedes are about equal on the international level in popularity and fame. Volkswagen with its brand Audi are very well-known and popular in Germany, but internationally not on the same level as the two previously mentioned, in addition, I have the feeling that VW is particularly vulnerable to scandals and compensation payments, such as the Dieselskandal [not sure what diesel means in english]. That's why I would avoid VW as an investor. Why I preferred BMW over Mercedes, is more a question of its image and on the other hand, according to Ing Diba, BMW has a higher "earnings per share" award. BMW vehicles are also more often used in music videos. In my opinion, the trend here is more towards BMW.
The Allianz is an insurance company. Who does not know the idea, that only the insurance with insurance contracts are the winners. Since insurance companies are not state-owned, they have a profit-making goal, which means that as long as the insurance company exists, it makes profit. The Allianz has existed since 1890, so for more than a century. In addition, it is the market leader in the insurance sector [in germany]. According to Wikipedia, even in international comparison one of the best. Allianz's share price has also continued to grow since mid-2016. I think I'm buying-in too expensive here, but since I'm following a buy-and-hold strategy, it's unimportant when I buy. In 10 or 20 years the value should rise in any case in comparison to my buy price.
If someone have already read a bit about investing, the word diversification, ie allocation/splitting, will not be unknown to you. As on every investor side, it is not advisable to bet everything on one horse. I may have different stocks, but all are located in germany. So if the german economy were to decsend and the world is doing well economically, I have pulled the black jack [losers-card in germany in a card game]. So I decided to invest also outside of Germany. The problem is only that I then have to make the orders over stock exchanges, ie on the Frankfurt Stock Exchange. In other words, to my 4.5 € order fees come then again ~ 5 € "trading place fee" to it. And savings plans, which would cost me only 1.75% order fees, are hardly available for foreign stocks. So I am paying almost twice as much for buying foreign stocks. Also, there are hardly any good brokers for foreign stocks [for germans] other than CapTrader. Since it costs only 4 € the order and 2 USD for international orders, but in exchange it does not tax your orders and dividends, so one must therefore record everything itself and fill an income tax presentation for the financial authority [or what you would call your institution for tax], which is also rather annoying. That is why I think that it is best to stay with Ing Diba because they are collecting the tax themselves and I only need to simply avoid countries with difficult taxing. The bottom line therefore ist that my only option for foreign shares are Great Britain and the USA, optionally also Switzerland, since the financial authorities work rather quickly and the too much paid tax will be given back fast. Countries like France and Spain I would rather avoid.
Well the text has now become longer than I thought I will deal more extensively with foreign stocks next month. For this report i want to say, the shares "LTC Properties R" and the "Royal Dutch Shell-A" shares were bought this month. My deposit has increased to around 2.000 €.
Und weiter geht es mit den Monat Juni. Da ich gefallen an Aktien käufen gefunden habe, habe ich mich mehr mit deutschen Aktien beschäftigt. Für diesen Monat entschied ich mich die Aktien BMW, Allianz und die Deutsche Post zu kaufen. Ich habe ein paar Investoren Seiten mir angeschaut, um zu sehen, welche
Aktien in Bezug auf Dividendenrendite ganz gut abgeschnitten haben in
Jahr 2017. Da für gewöhnlich im Frühling oder im Sommer die Dividenden ausgeschüttet werden.
Die Deutsche Post befindet sich zwar eher in einen Abwärtstrend, aber 5,85% Rendite klingen doch sehr verlockend. Und Briefe verschicken werden die Menschen auch in Zeiten von Finanzkrisen. Sei es Mahnschreiben, Rechnungen oder sonstige Mitteilungen von Dienstleistern oder Hochzeitseinladungen und sonstige Eintrittskarten.
Die Bayern Motoren Werke scheinen in den letzten 2 Jahren an Wert verloren zu haben, von 125 € zu ~80 €. Aber ich denke das ist ein fairer Preis für Investoren. BMW ist neben Mercedes (Daimler) und VW der Stolz unsere Nation. Ich fände es befremdlich, wenn man als deutscher Investor nicht in mindestens der genannten Autobauer engagiert ist. BMW und Mercedes sind international ungefähr gleich auf in Beliebtheit und Bekanntheit. Volkswagen mit seiner Marke Audi sind zwar in Deutschland sehr bekannt und beliebt, aber international nicht auf der selben Höhe wie die beiden vorher genannten, darüber hinaus habe ich das Gefühl das VW besonders anfällig ist für Skandale und Entschädigungszahlungen, wie der Dieselskandal. Deswegen würde ich VW als Investor vermeiden. Warum ich BMW Mercedes vorgezogen habe, liegt einerseits daran, weil es eine Image-Frage ist und andererseits, hat BMW laut Ing Diba ein höheren "Gewinn je Aktie"-Ausweis. Auch in Musik Videos werden oft BMW Fahrzeuge benutzt. Der Trend liegt hier in meinen Augen also eher auf BMW.
Die Allianz ist halt eine Versicherung. Wer kennt nicht den Gedanken, das nur die Versicherung bei Versicherungsverträgen gewinnt. Da Versicherungen nicht staatlich sind haben sie gewinncharackter, was widerum bedeutet, das solange die Versicherungsgesellschaft existiert, es Gewinn macht. Die Allianz existiert schon seit 1890 und damit über ein Jahrhundert. Hinzukommt, dass es der Marktführer in der Versicherungsbranche ist. Laut Wikipedia sogar im internationalen Vergleich mit zu den Eliten gehörend. Auch ist der Kurs der Allianz seit Mitte 2016 kontinuierlich am steigen. Ich glaube eher, dass ich hier zu teuer einkaufe, aber da ich eine Buy-and Hold-Strategie verfolge ist es ansich unbedeutend wann ich einsteige. In 10 oder 20 Jahren sollte der Wert auf jedenfall steigen im Vergleich zum Einstiegskurs.
Wenn einige sich mit Aktien bereits ein wenig auseinander gesetzt haben, wird Ihnen das Wort Diversifikation, also Aufteilung, nicht unbekannt sein. So gut wie auf jeder Investoren Seite wird geraten nicht alles auf einen Pferd zu setzen. Ich mag zwar verschiedene Aktien haben, aber alle befinden sich in Deutschland. Wenn also die deutsche Wirtschaft schwankt und der Welt es wirtschaftlich gut geht, habe ich den Schwarzen Peter gezogen. Also habe ich mir vorgenommen auch außerhalb Deutschlands zu investieren. Das Problem ist nur, dass man dann die Orders, über Börsen machen muss, wie über die Frankfurter Börse. Mit anderen Worten, zu meinen 4,5 € Ordergebühren kommen dann nochmal ~5 € Handelsplatzentgelt dazu. Und Sparpläne, welche mich nur 1,75% Ordergebühren kosten würden, sind für ausländische Aktien kaum vorhanden. Ich zahle also fast doppelt so viel an Gebühren, wenn ich ausländische Aktien kaufe. Auch allgemein gibt es kaum gute Brokers für ausländische Aktien außer CapTrader. Da kostet es nur 4€ die Order und 2 USD für internationale Order, aber dafür wird keine Quellensteuer einbehalten, man muss also alles selber aufzeichnen und eine Einkommensteuer machen, was auch eher sehr nervig ist. Deshalb komme ich zu der Auffassung, das es das Beste ist bei der Ing Diba zu bleiben, weil sie die Quellensteuer selber einziehen und ich einfach steuerlich schwierige Länder meide. Unterm Strich stehen damit zur Wahl nur Großbritannien und die USA, optional auch die Schweiz, da dort die Finanzbehörden eher schnell arbeiten und die zu viel gezahlte Quellensteuer zurückzahlen. Länder wie Frankreich und Spanien würde ich eher meiden.
Gut der Text ist jetzt länger geworden als ich dachte, ich werde mich ausführlicher mit ausländischen Aktien im nächsten Monat beschäftigen. Vorweg, die Aktien "LTC Properties R" und die "Royal Dutch Shell-A" Aktien wurden diesen Monat gekauft. Mein Depot ist auf ungefähr 2.000 € angestiegen.
----------------------------------------------------------------------------------------------
The second month, June 2017
And so we continue with the month of June. Since I've fallen in love to buy shares, I've been more focused on german shares. For this month, I decided to buy the shares BMW, Allianz and Deutsche Post. I've looked at a few investor sites to see what stocks have done well in dividend yields in 2017. As dividends [in germany] are typically distributed in spring or summer.
Deutsche Post is more likely to be in a downtrend, but 5.85% returns sound very attractive. And letters will also be send to people in times of financial crises. Be it reminders, invoices or other communications from service providers or wedding invitations and other tickets.
Bayern Motoren Werke seem to have lost value in the last 2 years, from 125 € to ~ 80 €. But I think this is a fair price for investors. BMW is next to Mercedes (Daimler) and VW the pride of our nation. I would find it strange if as a german investor i am not involved in at least one of the above-mentioned companies. BMW and Mercedes are about equal on the international level in popularity and fame. Volkswagen with its brand Audi are very well-known and popular in Germany, but internationally not on the same level as the two previously mentioned, in addition, I have the feeling that VW is particularly vulnerable to scandals and compensation payments, such as the Dieselskandal [not sure what diesel means in english]. That's why I would avoid VW as an investor. Why I preferred BMW over Mercedes, is more a question of its image and on the other hand, according to Ing Diba, BMW has a higher "earnings per share" award. BMW vehicles are also more often used in music videos. In my opinion, the trend here is more towards BMW.
The Allianz is an insurance company. Who does not know the idea, that only the insurance with insurance contracts are the winners. Since insurance companies are not state-owned, they have a profit-making goal, which means that as long as the insurance company exists, it makes profit. The Allianz has existed since 1890, so for more than a century. In addition, it is the market leader in the insurance sector [in germany]. According to Wikipedia, even in international comparison one of the best. Allianz's share price has also continued to grow since mid-2016. I think I'm buying-in too expensive here, but since I'm following a buy-and-hold strategy, it's unimportant when I buy. In 10 or 20 years the value should rise in any case in comparison to my buy price.
If someone have already read a bit about investing, the word diversification, ie allocation/splitting, will not be unknown to you. As on every investor side, it is not advisable to bet everything on one horse. I may have different stocks, but all are located in germany. So if the german economy were to decsend and the world is doing well economically, I have pulled the black jack [losers-card in germany in a card game]. So I decided to invest also outside of Germany. The problem is only that I then have to make the orders over stock exchanges, ie on the Frankfurt Stock Exchange. In other words, to my 4.5 € order fees come then again ~ 5 € "trading place fee" to it. And savings plans, which would cost me only 1.75% order fees, are hardly available for foreign stocks. So I am paying almost twice as much for buying foreign stocks. Also, there are hardly any good brokers for foreign stocks [for germans] other than CapTrader. Since it costs only 4 € the order and 2 USD for international orders, but in exchange it does not tax your orders and dividends, so one must therefore record everything itself and fill an income tax presentation for the financial authority [or what you would call your institution for tax], which is also rather annoying. That is why I think that it is best to stay with Ing Diba because they are collecting the tax themselves and I only need to simply avoid countries with difficult taxing. The bottom line therefore ist that my only option for foreign shares are Great Britain and the USA, optionally also Switzerland, since the financial authorities work rather quickly and the too much paid tax will be given back fast. Countries like France and Spain I would rather avoid.
Well the text has now become longer than I thought I will deal more extensively with foreign stocks next month. For this report i want to say, the shares "LTC Properties R" and the "Royal Dutch Shell-A" shares were bought this month. My deposit has increased to around 2.000 €.
Kommentare
Kommentar veröffentlichen