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 January 2020

My Investment Portfolio 2020
  • Index fund - SparIndex C25
  • Index fund - SparIndex Global
  • 6 Months Emergency Fund
  • Opportunity Money
  • P2P - Mintos
  • P2P - PeerBerry
  • P2P - Grupeer
  • P2P - Fast Invest
  • P2P - Lenndy
  • Real Estate - Reinvest24
  • Crypto
 Money allocationReturns last monthReturns in 2020Expected returns in 2020
P2P – Mintos
Updated 2/1
31%+0,92%+0,92%+12%
(2019: +12,63%)
P2P – PeerBerry
Updated 9/1
9%+1,09%+1,09%+12%
(2019: +11,83%)
P2P – Grupeer
Updated 10/1
12%+1,05%+1,05%+15%
(2019: +14,58%)
P2P – Fast Invest
Updated 3/1
5%+1,08%+1,08%+13%
(2019: +13,35%)
P2P – Lenndy
Updated 16/1
2%+0,68%+0,68%+12%
(2019 since Jun: +7,00%)
Real estate – Reinvest24
Updated 19/12
4%+0,66%+0,00%+8%
(2019 since Feb: +3,75%)
Index fund – OMX C25
Updated 7/1
6%+0,09%+0,09%+10%
(2019: +6,77%)
Index fund – MSCI World Index
Updated 7/1
4%+0,64%+0,64%+10%
(2019: +10,29%)
Crypto
Updated 4/1
15%+1,13%+1,13%+20%
(2019: +6,68%)
Opportunity money
Updated 1/1
0%0,00%0,00%0,00%
Emergency Fund
Updated 1/1
12%+0,22%+0,22%+2,5%
(2019: +2,04%)


Financially free progress

 Money allocationReturns in 2020
P2P – Mintos
Updated 2/1
31%+0,92%
P2P – PeerBerry
Updated 9/1
9%+1,09%
P2P – Grupeer
Updated 10/1
12%+1,05%
P2P – Fast Invest
Updated 3/1
5% +1,08%
P2P – Lenndy
Updated 16/1
2%+0,68%
Real estate – Reinvest24
Updated 19/12
4%
Index fund – OMX C25
Updated 7/1
6%

+0,09%

Index fund – MSCI World Index
Updated 7/1
4%+0,64%
Crypto
Updated 4/1
15%+1,13%
Opportunity money
Updated 1/1
0%0,00%
Emergency Fund
Updated 1/1
12%+0,22%


Financially free progress

2020

Overall Progress:

+11,91%

Monthly average growth:

+0,87%

  • January: 11,91% (+0,87%)

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

+62,07%

Monthly average savings rate

  • January: +62,07%

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

 

I completed Step 4 (Pay off any other loans) in 10 months and now I’m ready to attack Step 5 😍

In this step, I will pay extra on the mortgage. Therefore, I paid an additional 15% of my income towards the mortgage.

I also invested more at Grupeer and Reinvest24

Furthermore, I have invested in my two index fundsI do this automatically every month at the moment.

2019 was a really great year with very positive returns. The best returns were at Grupeer with massive +14,58%!

Fast Invest provided +13,35% and they now share more details about loan originators. Mintos gave me +12,63% in return. That’s pretty satisfying. 

May 2020 bring you much love, joy, and prosperity 🙂

 

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Previous updates since 2018

 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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