The Portfolio

The Portfolio

2 min read

Latest portfolio update – May 2019


 
I had a €1.000 loan mature at Envestio, so I pulled them out of the platform (trying to diversify my crowdlending portfolio). Since I “accidentally” spent €1.333 on brickshare, those €1.000 doesn’t quite cover it, so all in all I’m not doing a great job at boosting those savings. I added €1.067 to my savings though, and of the €1.100 that I pulled from Envestio this month, €200 of those went to Crowdestor. I’ve been really impressed with the amount of (diverse) projects that they’ve been churning out lately. I’ve reached my limit of around €1.000 +/- on Crowdestor now though, so the plan is not to add any further funds to that platform (unless some crazy new project comes along, with a 20%+ interest that I just HAVE to participate in…).

Total portfolio – Table overview:

Platform Invested Deposits / Withdrawals Value last month Current value Bonus / Fees Return Change (%) Expected return
Crowdlending
Bulkestate € 3.525 € 0 € 3.525 € 3.525 € 0 € 0 0,00% 14%
Crowdestate € 700 € 0 € 703 € 717 € 0 € 14 1,95% 13%
Crowdestor * € 1.100 € 200 € 927 € 1.138 € 0 € 11 0,97% 16%
Envestio * € 1.350 -€ 1.100 € 2.867 € 1.817 € 4 € 46 2,53% 16%
Estateguru € 100 € 0 € 105 € 106 € 0 € 1 0,94% 11%
FastInvest € 400 € 0 € 411 € 415 € 0 € 4 0,96% 14%
Grupeer € 1.140 € 0 € 1.218 € 1.234 € 3 € 13 1,05% 14%
Mintos € 900 € 0 € 967 € 978 € 2 € 10 1,02% 11%
ReInvest24 € 1.000 € 0 € 990 € 993 € 0 € 3 0,30% 13%
Viventor € 400 € 0 € 405 € 407 € 0 € 2 0,49% 13%
€ 11.082 -€ 900 € 12.118 € 11.330 € 9 € 104 0,86% 14%
Stocks
Pro Real Estate Trust (REIT #1) € 910 € 0 € 915 € 955 € 0 € 6 9%
Pro Real Estate Trust (REIT #2) € 60 € 0 € 62 € 63 € 0 € 0 4%
€ 970 € 977 € 983
Properties
Brickshare € 1.333 € 1.333 € 0 € 1.333 3%
Property #1 € 13.333 € 13.333 € 0 € 13.333 10%
€ 14.666 € 14.666
Cash
Bank #1 cash (main savings) -€ 14.666 € 1.967 € 44.933 € 32.234 0,70%
Bank #2 cash (emergency fund) € 13.333 € 13.333 3%
€ 58.266 € 45.567
 
Total balance € 71.361 € 72.546

 
All in all, a pretty standard month with a passive income of €119. I can’t complain about that!

I’ve added Brickshare and Property #1 (down payment only, so far) to the roster this month. I expect Brickshare to deliver 3-4% dividend per year.

My “classic” growth chart now looks like this:

Portfolio growth as of May 2019

So far I’m still ahead of my yearly target, but I will get deducted in my salary during my summer holidays, so it will even out during the year (as I wont be able to add significantly to my savings during those months). I expect to hit my yearly target of just shy of €80.000 (to stay on schedule to FIRE within the next 13 years), if I can continue to grow my passive income during the rest of the year. I expect a couple of large payouts from Bulkestate at the end of the year (November).

Read the (latest) full monthly update here.

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

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