Le retour du challenge à dividendes !

This video marks the return of a unique dividend challenge where the presenter invests €1000 monthly into dividend-paying stocks, aiming to generate €2000 in passive income per month for retirement. The presenter begins by providing an update on their investment portfolio on Invest. The portfolio is currently valued at €69,000, with a capital gain of 32%, amounting to €16,654. The portfolio consists of 33 stocks. The top performers in the portfolio, in terms of capital gains, include ExxonMobil, which has seen a significant increase due to the surge in oil prices, reportedly offering a 300% capital gain. Other strong performers mentioned are Total Energy and Chevron. Broadcom, Caterpillar, Abwish, and Schneider Electric also feature prominently. The presenter highlights the diversity of their top holdings, noting that it's not purely tech-focused, despite the current boom in AI-related companies. Their strategy emphasizes diversification across various industries, including energy, technology, industry, and health, rather than solely chasing S&P 500 performance. French companies like Schneider Electric and Total Energy are also present. On the flip side, some stocks are experiencing difficulties. While minor dips of 1-3% are not considered significant, the presenter identifies Cica, a building products company, as being in "gross difficulty." They plan to dedicate a future video or segment to Cica to discuss whether to reinforce or sell this position, as it has incurred substantial losses. Other stocks in difficulty include Accenture, Comcast, Paychex, and Walt Disney. However, the presenter reassures viewers that these are not cause for alarm, as the overall portfolio remains in positive territory. A treemap visualization is presented, illustrating the portfolio's performance by stock. Green indicates capital gains, with darker shades signifying higher gains, while red indicates capital losses, with darker shades representing greater losses. Examining performance by sector, the energy sector is highlighted as being strongly in the green, with Chevron, Total, and ExxonMobil performing well. The technology sector is also doing well, with the exception of Accenture, which the presenter intends to discuss further. The industrial sector is performing well, apart from Paychex, which the presenter finds interesting for potential reinforcement. The health sector has two well-performing companies. Consumer discretionary is identified as a sector experiencing difficulties, attributed to inflation and ongoing conflicts, impacting consumer spending. Home Depot, Starbucks, and Genuine Parts are mentioned in this category. The communication sector has consistently been in the red, with Comcast and Disney being the primary examples. Regarding the valuation spectrum of the stocks, the Invest algorithm indicates that most stocks are fairly valued, with some outliers. Caterpillar and ExxonMobil are noted as being significantly overvalued, while Rio Tinto, Accenture, Walt Disney, and American Tower are seen as undervalued. The presenter then transitions to the monthly investment. Today, they are making an "all-in" investment on Accenture, viewing it as an incredible opportunity. Accenture is currently trading at $199, significantly down from its price a year ago, representing an approximate 50% discount. Despite being a technology company with a PER of 16, and appearing undervalued by nearly 50% according to Invest's valuation graph, the market's negative sentiment towards Accenture is linked to AI. The market perceives Accenture's consulting and implementation services as being at risk of replacement by AI, leading to a reduction in billable hours and code automation. However, the presenter strongly disagrees with this market assessment. They argue that the market overlooks a fundamental question: who will implement AI in companies? The presenter believes the answer is clearly Accenture, and the numbers support this view. They present an AI-driven analysis of Accenture's recent quarterly results. Key positive points include earnings of $18 billion in the second quarter (up 4% in local currency), record bookings of $22.1 billion for the quarter and $43 billion for the first semester, and 41 clients with quarterly bookings exceeding $100 million. The operating margin is at 13.8%, and the company made three acquisitions this quarter for $1.6 billion, with a goal of investing $5 billion in acquisitions this year, specifically targeting AI companies. The implications and trends section further supports Accenture's AI strategy. Demand is driven by AI, accelerating large-scale innovation supported by expanding ecosystem platforms. Modernizing ERP systems and integrating AI are crucial for seamless AI adoption into key business flows. Accenture's talent strategy is also central to its AI leadership, with over 85,000 professionals specializing in AI and data, and a strong focus on training and adopting agentic AI. While tech giants like Google and Microsoft might not need external help for their core AI integration, the vast majority of other large companies lack the expertise for secure and ethical AI implementation. Consequently, they will heavily rely on Accenture for guidance and support. The presenter concludes that AI is not a threat but the biggest growth factor for Accenture, surpassing even cloud computing. Given these positive indicators, the undervaluation, and a dividend yield of 3.21% compared to an average of 1.75%, the presenter decides to go "all-in" on Accenture. A significant announcement follows: the presenter is now the first official French ambassador for the brokerage Freedom24. Consequently, all future dividend challenges will be conducted on this platform. Freedom24 is described as a regulated European broker, a subsidiary of Freedom Holding, and listed on the SEC. It is part of the European Funds with protection up to €20,000. The platform offers a vast selection of investment options, including stocks, ETFs, crypto, and bonds, with over 1 million active units across 15 major global stock exchanges. The presenter praises the French-based team for their exceptional customer service, with response times under 15 minutes and a dedicated account manager assigned upon registration to assist with portfolio building and strategy. Additionally, new French clients can invest commission-free on stocks and ETFs until January 31st and can receive up to 20 free shares based on their initial deposit amount. A link for registration is provided in the description. The presenter then proceeds to open the Freedom24 application to execute the purchase of Accenture shares. They search for Accenture (ACN.US) on the Nasdaq, noting that Freedom24 offers real shares, not CFDs. The current price is $196. They decide to purchase 5 shares for approximately $1000 and place a market order. The presenter proudly announces their ownership of 5 Accenture shares on Freedom24. Finally, the presenter checks their Invest dashboard to see the impact of this investment on their dividend income. The portfolio value has increased to €69,886, and their dividend revenue now stands at €1,251. This revenue represents an average annual yield of 9.74%, with a median net yield of 1.79% and a median gross yield of 2.35% per year, attributed to dividend increases by the companies. The presenter recommends Invest as a tool for following and analyzing investments, and Freedom24 for those ready to start investing, reiterating the commission-free offer for French clients.