The Portfolio

The Portfolio

2 min read

Latest portfolio update – October 2019

The most notable change this month is obviously the decline in invested crowdlending funds, due to the addition of Gold to the portfolio. And the big spike in the income from Bulkestate also distorts the picture a bit (not that I’m complaining). My pension also continue to rise slowly but steady. It will be interesting to see, if our equity can continue to keep up with my pension (I hope my pension funds eventually leaves our equity in the dust! – At least this is where the magic of the compound should come into play!).

The boring income statement

Platform Invested Deposits / Withdrawals Value last month Current value Bonus / Fees Return Expected return
Crowdlending
Bulkestate € 1.025 -€ 2.825 € 3.525 € 1.025 € 0 € 325 14%
Crowdestate € 700 € 0 € 735 € 739 € 0 € 4 13%
Crowdestor € 1.300 € 0 € 1.300 € 1.319 € 0 € 19 16%
Envestio € 850 € 0 € 1.450 € 1.500 € 27 € 23 16%
Estateguru € 100 € 0 € 110 € 111 € 0 € 1 11%
FastInvest € 300 -€ 100 € 433 € 336 € 0 € 3 14%
Grupeer € 40 -€ 1.100 € 1.283 € 207 € 0 € 2 14%
Kuetzal * € 850 € 100 € 795 € 907 € 0 € 12 19%
Mintos € 900 € 0 € 1.017 € 1.026 € 0 € 9 11%
Monethera *NEW € 500 € 500 € 0 € 507 € 7 € 0 16%
ReInvest24 € 400 -€ 500 € 1.047 € 547 € 0 € 0 13%
TFGCrowd *NEW € 500 € 500 € 0 € 500 € 0 € 0 17%
Viventor € 0 -€ 420 € 417 € 0 € 0 € 3 13%
Wisefund *NEW € 500 € 500 € 0 € 503 € 1 € 2 18%
€ 7.965 -€ 3.345 € 12.112 € 9.227 € 35 € 403 15%
Commodities
GOLD (Coins) € 5.333 € 5.333 € 0 € 5.333 € 0 € 0
 
Properties  
Brickshare € 1.333 € 0 € 1.333 € 1.333 € 0
Property #1 € 68.667 € 0 € 68.667 € 68.667 € 0
€ 70.000
Cash  
Bank #1 cash (main savings) € 0 € 0 € 0 0,70%
Bank #2 cash (emergency fund) € 0 € 0 € 0 0,5%
Portfolio Leverage -€ 7.000 € 0 -€ 7.000 -€ 7.000
 
Total balance € 76.140 € 77.560

 
I managed to grow my Total Balance by €1.438 this month, of which €438 was a record-breaking crowdlending income!

Next month also boasts a Bulkestate payout (albeit not quite as big), so next month should be a decent (income) month too.

I’m currently in a bit of a platform shuffle, so the crowdlending is a bit of a mess. Hopefully I will get back in “business as usual” during the next couple of months (I’d like to have a minimum of 10 platforms with at least €1.000 invested on each platform).

The Classic Growth Chart

For tracking purposes, here’s the classic growth chart (I like to look at this):

Portfolio growth as of October 2019

Still ahead of target for the year. I’m hoping to breach €80.000 by the end of the year, but it will be very close (December is typically VERY expensive!).

The conclusion

In conclusion a record crowdlending income month, and a standard savings month brought me a little closer to my goal this month. That’s how it’s supposed to be 😉

So far I’m still ahead of my yearly target, but I will get deducted in my salary during my summer holidays, so it will even out during the year (as I wont be able to add significantly to my savings during those months). I expect to hit my yearly target of just shy of €80.000 (to stay on schedule to FIRE within the next 13 years), if I can continue to grow my passive income during the rest of the year.

Read the (latest) full monthly update here.

To read about my goals (for the year, and onwards) go here.

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