The Portfolio

3 min read

Latest portfolio update – December 2020

December 2020 will be the last month with Crowdlending in the Infogram. Next month I will replace it with a Stocks-page instead.

All in all my Total Balance and my Net Worth continue to grow slow and steady. I like it!

As they say, becoming FI is definitely not a sprint – it rather resembles a marathon. Slow and steady will win the race (eventually!) 🙂

The boring income statement

Platform Invested Transactions Last month Current value Monthly income
Crowdlending
Crowdestor € 923 -€ 85 € 1.063 € 985 € 7
Mintos € 16 -€ 40 € 282 € 243 € 1
Wisefund € 461 € 0 € 513 € 515 € 2
€ 1.400 -€ 125 € 1.858 € 1.743 € 10
Commodities
GOLD (Coins) € 5.333 € 0 € 5.333 € 5.500
€ 5.333 € 5.500
Stocks (Dividend portfolio)
PROREIT (PRV.UN) € 2.018 € 0 € 2.131 € 3.300 € 16
Shaw Communications (SJR)* € 2.000 € 0 € 1.900 € 1.900 € 6
TransAlta Renewables (RNW) € 2.000 € 0 € 2.100 € 2.500 € 8
€ 6.131 € 7.700 € 30
Stocks (Indices)
iShares Global Clean Energy (IQQH) € 6.667 € 0 € 7.000 € 8.500 € 0
€ 7.023 € 8.500
Properties
The-Many (Brickshare) € 1.333 € 0 € 1.333 € 1.360 € 12
Property #1 € 68.667 € 0 € 68.667 € 68.667 € 0
Fundbricks € 1.333 € 0 € 1.333 € 1.333 € 0
€ 70.000 € 71.360 € 12
Cash
Bank #1 cash (main savings) € 792 € 7.458 € 8.250 € 32
Bank #2 Opportunity money € 0 € 0 € 0
€ 7.458 € 8.250
Total balance € 99.136  €101.383

I received the LAST (probably ever) interest from my bank. Both of my banks have now lowered the interest rate to 0%. These are crazy times we live in indeed! Soon I will probably have to pay negative interest rates to have money in the bank…I will do my utmost to avoid that situation, of course 😉

All in all a total passive income of €83 for December 2020. For 2021 I will probably be less focused on generating monthly passive income, and more focused on the overall growth of the portfolio.

I wrote off all my crowdlending investments – with the exception of Fundbricks, which is a Danish crowdlending platform that I trust will return my money (along with the accrued interests) again when the term is up on the 1 development loan that I’m currently invested in. As I’ve written several times before, I’m however not impressed with the amount of information coming from Fundbricks, so unless something changes on that front, I will not be investing with them again.

Anyway, now that crowdlending is gone I’m going to focus a little more on building a (somewhat) diversified stock portfolio. Due to Property #1 my portfolio is still very real estate heavy, so I will be looking to diversify a bit more in 2021.

The classic growth chart

As always I include my Classic Growth Chart for tracking purposes (and because I like to look at it!):

 

The Classic growth chart will probably see another overhaul in 2021. I will start focusing more on the overall growth of the portfolio, rather than the relatively small monthly passive income. I’d like to include it all of course, but it’s difficult fitting it all into one chart – perhaps it will morph into 2 different charts? We shall see 🙂

In conclusion

As we say goodbye to 2020 I also chose to wave goodbye to crowdlending as an asset class in my portfolio. Perhaps it will one day return – but for now it has been replaced by a small (but growing) allocation towards stocks.

In many ways it has been a year filled with ups and down, but my portfolio has grown (steadily) with more than €22.000 (22%).

Interestingly enough (I just discovered this) 22% growth has been the norm for each year of this blog! If I’m to follow that trend, this means my Total Balance should be somewhere around €123.000 by the end of 2021.

I have yet to decide on my goals for 2021 though, so you’ll have to wait a little while longer with the final conclusion on that one 😛 (*suspenseful music playing in the background*).

I’m now more than 25% of the way towards my Total Balance goal of €400.000. I feel positive going into 2021. The future looks bright(er) for all of us – but I especially feel positive that 2021 is going to be a(nother) great year for our investment returns! (one can always hope 😉 )

Read the (latest) full monthly update here.

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