My investment portfolio

Investment Portfolio update August 2019

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

Investment portfolio


 Money allocation:Returns last month:Returns in 2019:Expected returns in 2019:
P2P – Mintos
Updated 1/8
30%+1,09%+8,10%+13%
(2018: +13,75%)
P2P – PeerBerry
Updated 10/8
9%+0,94%+8,11%+12%
(2018 since May: +6,38%)
P2P – Grupeer
Updated 10/8
7%+1,30%+9,56%+15%
(2018 since Aug: +4,25%)
P2P – Fast Invest
Updated 4/8
4%+1,04%+9,17%+13%
(2018 since Sep: +3,23%)
P2P – Lenndy
Updated 3/6
2%0,00%0,00%+6%
(Started Jun, 2019)
Real estate – Reinvest24
Updated 21/7
2%+0,48%+0,48%+6%
(Started Feb, 2019)
Index fund – OMX C25
Updated 7/8
6%-0,85%+4,86%+10%
(2018: -10,54%)
Index fund – MSCI World Index
Updated 7/8
4%+1,77%+5,43%+10%
(2018 since Sep: -0,44%)
Crypto
Updated 4/8
17%+3,49%+15,91%+100%
(2018: -85,14%)
Opportunity money
Updated 1/8
5%0,00%0,00%0,00%
Emergency Fund
Updated 1/8
14%+0,20%+1,42%+2,5%
(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:
10,83%
Monthly average growth: +0,32% (2019)

  • 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%)


💡 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: 
+40,74%

 

  • January: +21,83%
  • February: +56,34%
  • March: +49,14%
  • April: +49,27%
  • May: +29,56%
  • June: +51,34%
  • July: +30,29%
  • August: +38,15%

 

The expected average savings rate in 2019: +40%

My forecast is that this will increase to +50% in 2020 as my leverage loan is paid off.

Comments on the progress


This month most went to the opportunity money. 

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

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 30% of my portfolio.

 

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Mintos updates


2019

Expected return on investment:
+13,00%

  • January: +0,93%
  • February: +1,01%
  • March: +0,89%
  • April: +1,02%
  • May: +1,02%
  • June: +1,09%
  • July: +1,05%
  • August: +1,09%

I had another very positive month at Mintos with +1,09% in returns. 

It equals 13.08% in annual returns which is quite satisfactory.

Nothing changed in terms of loans that are late. It’s certainly at a reasonable level and I still didn’t experience a loan to default for almost 2 years now! 😎

I’m very pleased with the platform because it has a lot of good loans and performs really well.  

At the moment my Mintos investment is 30% of my investment portfolio

💡 Read my Mintos review

 

New loan originators at Mintos


This month Mintos welcomed one
new loan originators called Alexcredit.

Alexcredit is from Ukraine. They offer short-term loans in EUR. The annual returns of up to 13%. All loans are with 100% buyback guarantees.

Furthermore, the company will also keep 10% of each loan it places on the marketplace on its balance sheet to maintain its skin in the game.

Mintos interest rate

Mintos Loan Originator


As you can see, most of my loans have an interest rate of around 12-13% and I have a good spread of loan types and slightly more short-term loans.

I had a bit too many loans from Capital Service than I want, so, therefore, I adjusted my future auto investments.

Loans that have defaulted (not been paid back) since October 2017: 0% 😎

2019MayJunJulAug
1-15 Days Late14,9%12,0%11,0%12,1%
16-30 Days Late7,1%7,1%6,8%9,8%
31-60 Days Late6,6%6,8%5,8%6,3%
60+ Days Late0%0%0%0%
Default0%0%0%0%
Bad Debt0%0%0%0%

2019JanFebMarApr
1-15 Days Late11,4%11,2%10,6%10,3%
16-30 Days Late7,3%8,5%4,7%5,7%
31-60 Days Late7,3%6,0%7,1%4,8%
60+ Days Late0%0%0%0,25%
Default0%0%0%0%
Bad Debt0%0%0%0%

Fast Invest updates


2019

Expected return on investment:
+13,00%

    • January: +1,30%
    • February: +1,20%
    • March: +1,25%
    • April: +1,12%
    • May: +1,14%
    • June: +1,10%
    • July: +1,02%
    • August: +1,04%

I received a full 1.04% in return last month. It’s a really good return and equals 12,48% per year! 🙂 

10 months have passed since I started and 0% of my loans are delayed. This is really great

The platform offers some really good terms for investors and up to 16% in return.

💡 Read my Fast Invest review

PeerBerry updates


2019

Expected return on investment:
+12,00%

    • January: +1,02%
    • February: +0,94%
    • March: +0,96%
    • April: +0,92%
    • May: +1,26%
    • June: +1,15%
    • July: +0,92%
    • August: +0,94%

This month I received a return of +0.94% which is very satisfactory.
It equals 11.28% per year! 🙂

I’m very happy with the performance on the platform.

💡 Read my PeerBerry review

Grupeer updates


2019

Expected return on investment:
+15,00%

    • January: +1,21%
    • February: +1,16%
    • March: +1,24%
    • April: +1,15%
    • May: +1,13%
    • June: +1,07%
    • July: +1,30%
    • August: +1,30%

I started my investment at Grupeer in August 2018, and I am very pleased with the platform so far. I have deposited money 3 times.

No loan is delayed in 12 months in a row! It’s very impressive.

This month, I also received a very positive return of +1.30%. It equals 15.6% annually.

Grupeer has a really amazing success right now with many new investors.  I think that this platform will grow a lot in the coming years. 

💡 Read my Grupeer review

Loans that have defaulted since August 2018: 0% 🙂

2019MayJunJulAug
1-15 Days Late0%0%0%0%
16-30 Days Late0%0%0%0%
31-60 Days Late0%0%0%0%
60+ Days Late0%0%0%0%
Default0%0%0%0%
Bad Debt0%0%0%0%

2019JanFebMarApr
1-15 Days Late0%0%0%0%
16-30 Days Late0%0%0%0%
31-60 Days Late0%0%0%0%
60+ Days Late0%0%0%0%
Default0%0%0%0%
Bad Debt0%0%0%0%

Index funds updates


2019

Sparindex INDEX OMX C25 KL


Expected return on investment:

+10,00%

    • January: -3,47%
    • February: +4,19%
    • March: -4,48%
    • April: +10,64%
    • May: +0,58%
    • June: -1,85%
    • July: -0,15%
    • August: -0,85%
Sparindex Globale Akt Min Risk KL


Expected return on investment:

+10,00%

    • January: -2,65%
    • February: +4,47%
    • March: -1,99%
    • April: +3,10%
    • May: -0,46%
    • June: +0,69%
    • July: +0,40%
    • August: +1,77%

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 +30 years from now. The government can change the rules (and they did before).

 

Previous updates


Monthly average savings rate:
 +40,74%


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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Read more here about this investment opportunity

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

7 Responses

  1. Leonel Rosenthal says:

    Hello, I enjoy reading all of your article posts. I wanted to write
    a little comment to support you.

  2. Tomaz says:

    Hi,
    It is really great to follow your blog and your monthly updates!

  3. Peter says:

    Epic graphics Peter,
    Keep them going. I love them. Lots of numbers to crunch.

    Regards from a fellow Danish FIRE enthusiast.
    Peter

  4. Anderson says:

    Thanks for sharing such a good thought, post is nice, thats why i have
    read it completely

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