Latest portfolio update – January 2021
The first page of the infogram has now been replaced with a “stock portfolio” overview (instead of crowdlending). It’s a work in progress, so bear with me 😉
Once again this month saw me converting a good chunk of cash into investments. It seems I’m having issues keeping my cash in my pockets once again *HAHA*. Oh well, stocks are far more liquid than crowdlending was, so I’m ok with putting cash into the market, because they don’t really work much for me sitting in my bank account. My #1 priority however remain getting Property #2 into my portfolio. This could mean I will be forced to sell all of my stocks at one point, if the right property pops up. It’s risky, and obviously I could be “stuck” if the market were to suddenly tank. For now I feel I have a decent margin though, so I’m willing to “gamble” a bit (oops) that my cash are better off in the market than in the bank…
It takes a bit of time creating these infograms, and lately I dread doing it – but once I get started I always enjoy it. It’s a great motivation to look at especially the Net worth page (page-3). I made the first infogram in March 2019, and back then my Net worth was €408.847. 22 months later and It’s now more than €514.000. I’m headed for that €1.000.000 – fast! 😛
My home equity and pension has been developing almost hand-in-hand throughout 2020, but it now seem like (finally) my Pension has taken off a bit. So far my new pension AA is treading me fairly ok, and I sleep well at night with this new AA – which ultimately is the most important thing, when you follow your strategy. My current pension AA is most likely not going to beat any records, but I’m comfortable having “cash reserves” (at 2% interest) that can be mobilized in case of a(nother) market correction.
The boring income statement
|Platform||Invested||Transactions||Last month||Current value||Monthly income|
|GOLD (Coins)||€ 5.333||€ 0||€ 5.500||€ 5.500|
|€ 5.500||€ 5.500|
|Stocks (Dividend portfolio)|
|Bank of Nova Scotia (BNS)||€ 1.000||€ 1.000||€ 0||€ 1.100||€ 0|
|PROREIT (PRV.UN)||€ 2.018||€ 0||€ 3.300||€ 3.398||€ 16|
|Shaw Communications (SJR)||€ 2.000||€ 0||€ 1.900||€ 1.921||€ 6|
|Toronto Dominion Bank||€ 1.000||€ 1.000||€ 0||€ 857||€ 0|
|TransAlta Renewables (RNW)||€ 2.000||€ 0||€ 2.500||€ 2.600||€ 8|
|€ 7.700||€ 9.876||€ 30|
|iShares Global Clean Energy (IQQH)||€ 6.667||€ 8.500||€ 8.961||€ 0|
|iShares MSCI World Min Volatility (IQQ0)||€ 6.667||€ 6.667||€ 0||€ 6.721|
|€ 8.500||€ 15.682|
|The-Many (Brickshare)||€ 1.333||€ 0||€ 1.333||€ 1.360||€ 0|
|Property #1||€ 68.667||€ 0||€ 68.667||€ 68.667||€ 0|
|Fundbricks||€ 1.333||€ 0||€ 1.333||€ 1.333||€ 0|
|€ 71.360||€ 71.360||€ 0|
|Bank #1 cash (main savings)||€ 1.200||€ 8.250||€ 783|
|Bank #2 Opportunity money||€ 203||€ 0||€ 203|
|€ 8.250||€ 986|
|Total balance||€ 101.352||€ 103.434|
The (not so) Classic Growth Chart
As always, I include the Classic growth chart for tracking purposes:
As is the norm when we enter into a new year, the Total Balance Growth Chart gets an overhaul. 2021 is no different, and as promised the new charts focus a bit more on the overall growth of the portfolio, rather than the passive income (since it’s not currently a priority). I’ve kept the savings/income bars in the chart though, as I think it provides a great tracking history. It’s a great motivator for me to see those bars “reach for the sky” every month. I’ve had some MASSIVE savings months in the past, the majority of which has been because of some sort of financial windfall (eg. these months are abnormal). I aim to keep my monthly savings additions around €1.000-€1.500, so this month was an average month in terms of savings.
I’ve removed the target value, as it’s not really relevant for this chart. My yearly target for 2021 is to hit a Total Balance of €135.000, which I wrote more about in my goals for 2021 post.
In conclusion (TL;DR)
I added some new dividend stocks to the dividend portfolio (BNS & TD), and a “conservative” ETF (iShares MSCI World Min Volatility) to my ETF portfolio.
Last month I evicted crowdlending completely as an asset type in my portfolio, and I’ve been filling the hole with stocks and ETFs. However, my heart remains with real estate, so I continue to be on the lookout for Property #2.
The month saw a small growth in my overall stock portfolio, and I added €1.200 to my savings, which wasn’t too shabby at all.
All in all a decent month, without being much out of the ordinary 🙂
To read about my goals (for the year, and onwards) go here.