The Portfolio
Latest portfolio update – January 2020
Not much fun to look at here this month. – Except maybe on Page-3 (Net Worth). It is uncanny that my pension now match my equity down to the last penny! My next mortgage payment isn’t until the end of March, so I expect my Pension to rise slightly above my equity in the coming months
I somehow managed to forget to register a €200 deposit that I made to TFGCrowd last month, so they have now “magically” appeared on this months balance sheet, which makes the growth looks less horrendous than it otherwise would have looked this month.
Fingers crossed that Crowdestor, Monethera ,TFGCrowd and Wisefund now manages to stay in business for the foreseeable future 😛 (as they are now the main breadwinners of my portfolio – besides Mintos, which I don’t fear will go out of business anytime soon!)
I now have 3 late loans on Crowdestate, so I’m crossing my fingers here. But considering how things have been going lately, I wouldn’t be surprised if they end up defaulting. Luckily they are real estate backed loans, so there are some collateral here. We shall see how it goes!
The boring income statement
| Platform | Invested | Deposits / Withdrawals | Value last month | Current value | Bonus / Fees | Return | Expected return |
| Crowdlending | |||||||
| Crowdestate | € 700 | € 0 | € 751 | € 767 | € 0 | € 16 | 13% |
| Crowdestor | € 1.150 | -€ 150 | € 1.208 | € 1.223 | € 0 | € 15 | 16% |
| Envestio | € 850 | € 0 | € 1.548 | € 1.548 | € 0 | € 0 | 16% |
| Estateguru | € 90 | -€ 10 | € 114 | € 104 | € 0 | € 0 | 11% |
| FastInvest | € 106 | € 0 | € 147 | € 149 | € 0 | € 2 | 14% |
| Grupeer | € 0 | -€ 76 | € 211 | € 136 | € 0 | € 1 | 14% |
| Kuetzal | € 850 | € 0 | € 882 | € 0 | € 0 | € 0 | 19% |
| Mintos | € 900 | € 0 | € 1.049 | € 1.059 | € 0 | € 10 | 11% |
| Monethera | € 800 | € 0 | € 924 | € 937 | € 0 | € 13 | 16% |
| ReInvest24 | € 400 | € 0 | € 547 | € 547 | € 0 | € 0 | 13% |
| TFGCrowd | € 700 | € 0 | € 714 | € 721 | € 0 | € 7 | 17% |
| Wisefund | € 500 | € 0 | € 513 | € 520 | € 0 | € 7 | 18% |
| € 7.046 | -€ 236 | € 8.608 | € 7.711 | € 0 | € 71 | 13% | |
| Commodities | |||||||
| GOLD (Coins) | € 5.333 | € 5.333 | € 0 | € 5.333 | € 0 | € 0 | |
| gap | |||||||
| Properties | |||||||
| Brickshare | € 1.333 | € 0 | € 1.333 | € 1.333 | € 0 | ||
| Property #1 | € 68.667 | € 0 | € 68.667 | € 68.667 | € 0 | ||
| gap | € 70.000 | ||||||
| Cash | |||||||
| Bank #1 cash (main savings) | € 0 | € 236 | € 1.324 | € 1.560 | 0,50% | ||
| Portfolio Leverage | -€ 5.400 | € 1.100 | -€ 6.500 | -€ 5.400 | |||
| gap | |||||||
| Total balance | €78.555 | € 79.204 |
There’s not a whole lot to say about the income statement this month. It’s looking pretty boring (ha!). I was hoping to breach €80.000 this month, but with the whole Kuetzal ordeal that didn’t quite pan out. Next month I’ll have to (probably) write-off Envestio, so it’ll look even worse by then…
The Classic Growth Chart
For tracking purposes, here’s the classic growth chart (I like to look at this):
2020 boasts a new look for the Classic Growth Chart. It’s getting increasingly difficult to display the progress month by month in a clearly visible manner, so eventually I’m gonna have to switch to a quarterly view (and eventually, yearly of course). But for now I think I can manage to squeeze in another month or two in the chart. It’s so damn satisfying to look at my progress. Of course now my target is getting away from me, which is really annoying 🙁 (I will catch up in a few years time though! 😛 ).
The conclusion
In conclusion a month to (hopefully) quickly forget, really. Unforuntately, next month is going to look similar, as I will have to also write off my Envestio “investments”.
I remain at 19% towards my Total Balance goal.
Read the (latest) full monthly update here.
To read about my goals (for the year, and onwards) go here.