The Portfolio

The Portfolio

2 min read

Latest portfolio update – December 2019


 
I like to focus my eye on the big picture (which you’ll find on Page-3). My Net worth has increased by more than €50.000 in 2019! The growth is driven fairly even between my Pension, my Total Balance and my home equity.

In 2019 I saw passive income from two sources: Crowdlending and bank interest. The latter I will not see much of in 2020 (as I have 0 cash reserves atm.). Hopefully the Crowdlending will continue to deliver a small steady passive income, until the first payout from Property #1 arrives in 2023.

The boring income statement

Platform Invested Deposits / Withdrawals Value last month Current value Bonus / Fees Return Expected return
Crowdlending
Bulkestate € 0 -€ 1.085 € 1.085 € 0 € 0 € 0 14%
Crowdestate € 700 € 0 € 744 € 751 € 0 € 7 13%
Crowdestor € 1.150 -€ 150 € 1.333 € 1.208 € 0 € 25 16%
Envestio € 850 € 0 € 1.523 € 1.548 € 0 € 25 16%
Estateguru € 100 € 0 € 112 € 114 € 0 € 1 11%
FastInvest € 106 -€ 194 € 339 € 147 € 0 € 3 14%
Grupeer € 0 -€ 76 € 209 € 211 € 0 € 2 14%
Kuetzal * € 800 -€ 50 € 870 € 882 € 0 € 12 19%
Mintos * € 900 € 0 € 1.042 € 1.049 € 0 € 7 11%
Monethera € 800 € 100 € 810 € 924 € 5 € 9 16%
ReInvest24 € 400 € 0 € 547 € 547 € 0 € 0 13%
TFGCrowd € 700 € 200 € 508 € 514 € 0 € 6 17%
Wisefund € 500 € 0 € 506 € 513 € 0 € 7 18%
€ 7.006 -€ 1.255 € 9.628 € 8.408 € 5 € 104 14%
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 € 1.314 € 109 0,50%
Portfolio Leverage -€ 6.500 € 0 -€ 7.000 -€ 6.500
 
Total balance € 77.961 € 78.555

 
As we can see from the income statement, I’ve had some deposits/withdrawals from different platforms. I will withdraw uninvested cash at Crowdestor and Envestio, until I reach about €1000 invested (this is my current max per platform). I’m now almost at €1000 at Monethera as well. TFGCrowd and Wisefund had a few new projects in December, which I participated in. The €50 that I withdrew from Kuetzal is still in transit (since Dec 19th – to test if they were still servicing withdrawals. I guess the judgement is still out on that one!). We shall see, if it ever makes it to my account 😉

The Classic Growth Chart

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

Portfolio growth as of the end of 2019

I reached my yearly target, and can thus enter 2020 with a new one. I hope to breach €100.000 by the end of 2020.

The conclusion

In conclusion a pretty slow month in terms of crowdlending income (because of the platform shuffle that I’m currently embarking on) and my savings deposits didn’t break any records either (it was December after all) 😉

I remain at 19% towards my Total Balance goal. I hope to breach 20% next month (that will be a nice milestone to reach!).

Read the (latest) full monthly update here.

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

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