My investment portfolio


I update every month with my thoughts about the progress of my investments. I keep updating from different platforms throughout the month 🙂


Investment Portfolio Update March 2020

Investment portfolio
  • Index fund - SparIndex C25
  • Index fund - SparIndex MSCI
  • Index fund - SparIndex DJSI
  • 6 Months Emergency Fund
  • Opportunity Money
  • P2P - Mintos
  • P2P - PeerBerry
  • P2P - Grupeer
  • P2P - Fast Invest
  • P2P - Lenndy
  • Real Estate - Reinvest24
  • Real Estate - Crowdestor
  • Crypto
 Money allocationReturns last monthReturns in 2020Expected returns in 2020
P2P – Mintos
Updated 1/3
28%+1,21%
Auto-invest Paused 24/3
+3,15%+12%
(2019: +12,63%)
P2P – PeerBerry
Updated 8/3
10%+0,85%+2,93%+12%
(2019: +11,83%)
P2P – Grupeer
Updated 11/3
9%+0,88%
Auto-invest Stopped 31/3
+2,97%+15%
(2019: +14,58%)
P2P – Fast Invest
Updated 5/3
5%+1,14%+3,34%+13%
(2019: +13,35%)
P2P – Lenndy
Updated 15/3
2%+1,16%
Auto-invest Paused 24/3
+2,42%+12%
(2019 since Jun: +7,00%)
Real estate – Reinvest24
Updated 21/3
4%+0,59%+1,57%+8%
(2019 since Feb: +3,75%)
Real estate – Crowdestor
Updated 15/3
2%+0,00%
Next payout is 30/4

+0,91%

+15%
(Started Feb, 2020)
Index fund – MSCI World Index
Updated 8/3
4%-7,29%-2,29%+10%
(2019: +10,29%)
Index fund – DJSI World Index
Updated 8/3
1%-5,79%-5,79%+10%
(Started Feb, 2020)
Index fund – OMX C25
Updated 8/3
5%-9,35%-1,75%+10%
(2019: +6,77%)
Crypto
Updated 5/3
14%-0,55%+3,77%+20%
(2019: +6,68%)
Opportunity money
Updated 1/3
5%0,00%0,00%0,00%
Emergency Fund
Updated 1/3
11%+0,27%+0,59%+2,5%
(2019: +2,04%)


Financially free progress

 Money allocationReturns in 2020
P2P – Mintos
Updated 1/3
28%+3,15%
P2P – PeerBerry
Updated 8/3
10%+2,93%
P2P – Grupeer
Updated 11/3
9%+2,97%
P2P – Fast Invest
Updated 5/3
5% +3,34%
P2P – Lenndy
Updated 15/3
2%+2,42%
Real estate – Reinvest24
Updated 21/3
4%+1,57%
Real estate – Crowdestor
Updated 15/3
2%+0,91%
Index fund – MSCI World Index
Updated 8/3
4%-2,29%
Index fund – DSJI World Index
Updated 8/3
1%-5,79%
Index fund – OMX C25
Updated 8/3
5%-1,75%
Crypto
Updated 5/3
14%+3,77%
Opportunity money
Updated 1/3
5%0,00%
Emergency Fund
Updated 1/3
11%+0,59%


Financially free progress

2020

Overall Progress:

+13,17%

Monthly average growth:

+0,42%

  • January: 11,91% (+0,87%)
  • February: 12,28% (+0,37%)
  • March: 13,17% (+0,89%)

2019

Progress:

+2,73%

In total was:
11,04%

Monthly average growth:

+0,23%

  • January: 8,31% (+0,20%)
  • February: 9,25% (+0,94%)
  • March: 9,52% (+0,27%)
  • April: 9,95% (+0,43%)
  • May: 10,05% (+0,10%)
  • June: 10,25% (+0,20%)
  • July: 10,53% (+0,28%)
  • August: 10,83% (+0,30%)
  • September: 11,27% (+0,44%)
  • October: 9,61% (-1,66%) *Paid off leverage loan
  • November: 10,08% (+0,47%)
  • December: 10,36% (+0,28%)
  • With return on investments in 2019: 11,04% (+0,68%)

2018

Progress:

+5,80%

In total was:
8,11%

Monthly average growth:

+0,48%

  • January: 2,31% (+0,0%)
  • February: 5,41% (+3,1%)
  • March: 5,63% (+0,22%)
  • April: 5,80% (+0,17%)
  • May: 6,20% (+0,40%)
  • June: 6,33% (+0,13%)
  • July: 6,50% (+0,17%)
  • August: 6,60% (+0,10%)
  • September: 6,87% (+0,27%)
  • October: 7,16% (+0,29%)
  • November: 7,61% (+0,45%)
  • December: 7,74% (+0,13%)
  • With return on investments in 2018: 8,11% (+0,37%)

💡 I have written an article about how much money you need to be financially independent. Calculation of the financially free progress depends on your expected budget.

Savings rate of income


The savings rate is the percentage of my income that I save, pay off debt or invest in index funds, P2P lending, real estate crowdfunding, etc.

2020

+64,88%

Monthly average savings rate

  • January: +62,07%
  • February: +70,23%
  • March: +62,35%

The expected average savings rate in 2020: +50-60%

2019

+40,49%

Monthly average savings rate

  • January: +21,83%
  • February: +56,34%
  • March: +49,14%
  • April: +49,27%
  • May: +29,56%
  • June: +51,34%
  • July: +30,29%
  • August: +38,15%
  • September: +34,75%
  • October: +45,66%
  • November: +41,39%
  • December: +37,45%

2018

+40,06%

Monthly average savings rate

  • January: +100,00%
  • February: +77,70%
  • March: +25,57%
  • April: +19,37%
  • May: +41,12%
  • June: +16,12%
  • July: +19,66%
  • August: +37,46%
  • September: +35,35%
  • October: +31,34%
  • November: +46,84%
  • December: +16,59%

Comments on the progress

 

Another amazing month with +62.35% saved! 🤩

I have chosen to go back to Step 4. The reason is that I have taken a car loan, which I will pay off within 1-2 years.

This loan will not increase my monthly expenses. The car expenses (the loan and gasoline) are actually the same as a train card.

Why did I choose to establish a car loan?

Once I have paid off this car loan, my monthly transportation expenses will be reduced by about 40-50%. This means my savings rate will increase significantly after it’s paid off.
It will also give us more opportunities and greater quality of life.

 

The saved money was used to invest at PeerBerry (34%) again. It’s actually the fifth time.

Furthermore, I have invested in my index funds (18%). I do this automatically every month at the moment.

I have chosen to increase the monthly investment in my index funds since the stock market is really negatively affected at the moment.

I have also saved 33% of the money in my “Opportunity Money”. This money will be used to pay off the car earlier.

Lastly, I have actually paid extra on the mortgage. Approx 15% of the saved money.

That’s it! Thanks for following my progress!

 

Do you like these updates? 😃

Previous updates since 2018

  • January: Savings rate +62,07%See the portfolio January 2020 
    I completed Step 4 (Pay off any other loans) in 10 months. I will now focus on paying off my mortgage (Step 5).
    I invested again at Grupeer and Reinvest24. I have also invested in my index funds.
  • February: Savings rate +70,23%See the portfolio February 2020 
    I have chosen to go back to Step 4 (Pay off any other loans). I have taken a car loan and I will pay it off within 1-2 years. In the end, it will lower my transportation expenses. 
    Furthermore, I invested for the first time at Crowdestor and added another index fund (DJSI).
 Money allocation:Returns in 2018:
P2P – Mintos31%+12,63%
P2P – Peerberry10%+11,83%
P2P – Grupeer7%+14,58%
P2P – Fast Invest6%+13,35%
P2P – Lenndy3%+7,00% (Since Jun)
Real estate – Reinvest242%+3,75% (Since Feb)
Crypto17%+6,68%
Index fund – OMX C256%+6,77%
Index fund – MSCI World Index4%+10,29%
Opportunity money0%0,00%
Emergency Fund14%+2,04%


Monthly average savings rate:
 +40,49%

 Money allocation:Returns in 2018:
P2P – Mintos

37%

+13,75%

P2P – Peerberry

3%

+6,36% (Since May)

P2P – Grupeer

6%

+4,25% (Since Aug)

P2P – Fast Invest

3%

+3,23% (Since Sep)

Crypto

29%

-85,14%

Stock – Vestas

2%

-14,03%

Index fund – OMX C25

7%

-10,54%

Index fund – MSCI World Index1%

-0,44%

Emergency Fund

12%

+1,88%

My investment portfolio


Monthly average savings rate:
 +40,06%

My Pension and Home equity


The savings rate and financially free progress are calculated without my pension and home equity. 

I fell lucky that my current employer pays 17,30% of my salary into an individual pension scheme.

It will be paid out to me monthly when I reach approx age 68. The agreement states that I get a lifelong payout 😎 

Furthermore, I will also get a state pension and ATP (Lifelong Supplementary Pension) when I reach approx age 73. The pension from the state is questionable as it’s not guaranteed in +30 years from now. The government can change the rules (and they did before).

This is money that will not be paid out over the next several decades, so I have not included these. It’s too uncertain.

Also, I have not included home equity as I do not see my own home as an investment. We will always have a home, which will not yield a return. 

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