The Portfolio

3 min read

Latest portfolio update – March 2020


 
For the first time ever, I experienced a drop in my Net Worth, due to my pension being down about 4%. I’m quite happy with my AA though, but have decided to use the situation to take on a little more risk, and have increased my stock holdings with about 10% on my pension. Hopefully this will contribute to a faster recovery, once the market returns to “normal” at one point. If the market drops further I will increase it another 10%.

Crowdlending income this month did not break any records, and it probably wont do that again anytime soon (maybe never). I continue to minimize my exposure in this asset type. I’m not completely decided where it’s going to end (0%?), so I’m just going with the flow atm.

The boring income statement

Platform Invested Deposits/withdrawals Last month Current value Bonus/fees Monthly income Exp. Return
Crowdlending
Crowdestate € 700 € 0 € 782 € 786 € 0 € 4 13%
Crowdestor € 1.150 € 0 € 1.233 € 1.237 € 0 € 4 16%
Estateguru € 90 -€ 104 € 104 € 0 € 0 € 0 11%
FastInvest € 26 -€ 90 € 150 € 61 € 0 € 1 14%
Grupeer € 0 € 0 € 138 € 138 € 0 € 0 14%
Mintos € 900 € 0 € 1.067 € 1.075 € 0 € 8 11%
Monethera € 800 € 0 € 952 € 966 € 0 € 14 16%
ReInvest24 € 400 € 0 € 547 € 547 € 0 € 0 13%
TFGCrowd € 700 -€ 244 € 736 € 507 € 0 € 15 17%
Wisefund € 500 € 0 € 529 € 535 € 0 € 6 18%
€ 5.266 -€ 438 € 6.238 € 5.852 € 0 € 52 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 € 438 € 1.560 € 1.998 0,50%
Portfolio Leverage -€ 3.800 € 1.200 -€ 3.800 -€ 2.600 -3,50%
 
Total balance € 79.331 € 80.583

 
 A decent savings rate this month finally brought me passed that € 80.000 mark, which means that I’m now more than 20% towards the way to my (lean) FIRE goal! That feels pretty good!

Some of you have noticed (thanks, avid readers) that I do not change the value of my GOLD holdings on a regular basis. It has actually increased by about 5% since I bought it, but it fluctuates a lot, so I prefer just to update the value once per year (or something like that). So by the end of 2020 I will update the book value of my GOLD holdings (4x 1oz Coins). My gold coin collection is still missing the American Eagle, so I’m semi-hoping (and at the same time NOT hoping) for a Gold drop, so I can add that coin to my collection 😛 But for now I’m happy that Gold seems to be a fairly safe investment, which was one of the reasons I chose to add it to my portfolio. Ideally I wouldn’t mind to have about 10% of my portfolio in Gold (ultimately), but at this stage of my FIRE journey, I’d rather prioritize assets that provide some kind of dividend (like properties!).

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 the midst of a pandemic the show must still go on. Thanks to a decent savings rate this month, I’m now 20% towards my goal of becoming financially independent. It feels good to have reached that milestone. My target to surpass € 100.000 by the end of 2020 is however becoming less and less likely to happen. BUT, as always uncle Nick has tricks up his sleeve 😉

Read the (latest) full monthly update here.

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