My investment portfolio

Investment Portfolio update April 2019

I update every month with my thoughts about the progress of my investments.


 Money allocation:Returns last month:Returns in 2019:Expected returns in 2019:
P2P – Mintos
Updated 2/4
32%+1,02%+3,85%+13%
(2018: +13,75%)
P2P – PeerBerry
Updated 9/4
5%+0,92%+3,84%+12%
(2018 since May: +6,38%)
P2P – Grupeer
Updated 11/4
8%+1,15%+4,76%+15%
(2018 since Aug: +4,25%)
P2P – Fast Invest
Updated 4/4
4%+1,12%+4,87%+15%
(2018 since Sep: +3,23%)
Real estate – Reinvest24
Updated 15/4
2%0,00%0,00%+13%
(Started Feb, 2019)
Stock – Vestas
Updated 6/4
1%+10,87%+18,25%+15%
(2018: -14,03%)
Index fund – OMX C25
Updated 6/4
6%+10,64%+6,98%+10%
(2018: -10,54%)
Index fund – MSCI World Index
Updated 6/4
2%+3,10%+3,42%+10%
(2018 since Sep: -0,44%)
Crypto
Updated 6/4
21%0,00%+4,77%+200%
(2018: -85,14%)
Opportunity money
Updated 1/4
4%0,00%0,00%0,00%
Emergency Fund
Updated 1/4
15%+0,16%+0,52%+3%
(2018: +1,88%)

Financially free progress

2018


Progress in 2018: +5,80%
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%)

 

2019


Overall progress:
9,95%
Monthly average growth: +0,41% (2019)

 

  • January: 8,31% (+0,20%)
  • February: 9,25% (+0,94%)
  • March: 9,52% (+0,27%)
  • April: 9,95% (+0,43%)

Financially free progress


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

 

Savings rate of income

The savings rate is the percentage of my income that I invest in P2P Lending, Real estate crowdfunding etc.

2018


Monthly average savings rate:
 +40,06%

 

  • 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%

2019


Monthly average savings rate: 
+44,14%

 

  • January: +21,83%
  • February: +56,34%
  • March: +49,14%
  • April: +49,27%


The expected average savings rate in 2019: +50%

 
 

Comments on the progress


This month I reached 9.95% (So close to 10%!) in my financially free progress and my savings rate was again massive +49% 🙂

This month I decided to invest again with Grupeer. The platform has yielded a very good return so I decided to invest for the third time. It’s now 8% of my portfolio.

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

I’m currently in step 4 (Pay off any other loans) and therefore have paid extra this month on my student debt (14% of the saved money). It really goes in the right direction 😎

 

The best and most reliable return is still my P2P lending investment at Mintos (actually P2P lending, in general, is going really well).

There is still too much in Mintos compared to the rest, and I want to diversify more in the near future to lower overall risk. It’s now 32% of my portfolio.

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More information


My Pension


The savings rate and the financially free progress is calculated (yet) without my pension. 

I fell lucky that my 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 70. The pension from the state is uncertain as it’s not guaranteed in 37 years from now. The government can change the rules (and they did before).

 

Previous updates


Monthly average savings rate:
 +42,43%


Monthly average savings rate:
 +40,06%

 Money allocation:Returns in 2018:
P2P – Mintos37%+13,75%
P2P – PeerBerry3%+6,36%
P2P – Grupeer6%+4,25%
P2P – Fast Invest3%+3,23%
Crypto29%-85,14%
Stock – Vestas2%-14,03%
Index fund – OMX C257%-10,54%
Index fund – MSCI World Index1%-0,44%
Emergency Fund12%+1,88%

My investment portfolio

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Personally, I go for a 5% safe withdrawal rate but it's also very common to use 4%

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