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 November 2019
- Index fund - SparIndex C25
- Index fund - SparIndex Global
- 6 Month Emergency Fund
- Opportunity Money
- P2P - Mintos
- P2P - PeerBerry
- P2P - Grupeer
- P2P - Fast Invest
- P2P - Lenndy
- Real Estate - Reinvest24
- Crypto
| Money allocation | Returns last month | Returns in 2019 | Expected returns in 2019 | |
|---|---|---|---|---|
| P2P – Mintos Updated 2/11 | 32% | +1,17% | +11,54% | +13% (2018: +13,75%) |
| P2P – PeerBerry Updated 9/11 | 10% | +1,01% | +10,93% | +12% (2018 since May: +6,38%) |
| P2P – Grupeer Updated 12/11 | 7% | +1,26% | +13,33% | +15% (2018 since Aug: +4,25%) |
| P2P – Fast Invest Updated 3/11 | 6% | +1,10% | +12,30% | +13% (2018 since Sep: +3,23%) |
| P2P – Lenndy Updated 14/11 | 3% | +2,00% | +5,00% | +5% (Started Jun, 2019) |
| Real estate – Reinvest24 Updated 21/11 | 2% | +0,65% | +3,09% | +4% (Started Feb, 2019) |
| Index fund – OMX C25 Updated 9/11 | 6% | +0,70% | +7,48% | +10% (2018: -10,54%) |
| Index fund – MSCI World Index Updated 9/11 | 4% | -0,76% | +9,05% | +10% (2018 since Sep: -0,44%) |
| Crypto Updated 5/11 | 18% | +3,89% | +11,77% | +20% (2018: -85,14%) |
| Opportunity money Updated 1/11 | 0% | 0,00% | 0,00% | 0,00% |
| Emergency Fund Updated 1/11 | 12% | +0,14% | +2,33% | +2,5% (2018: +1,88%) |
Financially free progress
| Money allocation | Returns in 2019 | |
|---|---|---|
| P2P – Mintos Updated 2/10 | 32% | +11,54% |
| P2P – PeerBerry Updated 9/11 | 10% | +10,93% |
| P2P – Grupeer Updated 12/11 | 7% | +13,33% |
| P2P – Fast Invest Updated 3/11 | 6% | +12,30% |
| P2P – Lenndy Updated 14/11 | 3% | +5,00% |
| Real estate – Reinvest24 Updated 21/11 | 2% | +3,09% |
| Index fund – OMX C25 Updated 9/11 | 6% | +7,48% |
| Index fund – MSCI World Index Updated 9/11 | 4% | +9,05% |
| Crypto Updated 5/11 | 18% | +11,77% |
| Opportunity money Updated 1/11 | 0% | 0,00% |
| Emergency Fund Updated 1/11 | 12% | +2,33% |
Financially free progress
2019
Overall Progress:
+10,08%
Monthly average growth:
+0,16%
- 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%)
2018
Progress:
+5,80%
Monthly average growth:
+0,48%
2018
- 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 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 P2P Lending, Real estate crowdfunding, etc.
2019
+40,76%
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%
The expected average savings rate in 2019: +40%
My forecast is that this will increase to +50% in 2020.
2018
+40,06%
Monthly average savings rate
2018
- 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’m almost at step 5 towards financial freedom. I just need to focus on my savings rate and reach 50%.
Most money this month went to the Emergency Fund. I used the money to pay off a leverage loan. It will be fully funded again in just 2 months.
Furthermore, I have invested in my two index funds. I do this automatically every month at the moment.
The best and most reliable return is still my P2P lending investment at Grupeer and 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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My Pension
The savings rate and financially free progress are 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 since 2018
2019 - Monthly updates
Monthly average savings rate: +40,70%
- January: Savings rate +21,83% | See the portfolio January 2019
Most of it went to my Emergency Fund (82%) and the rest went to my index fund investment(12%). - February: Savings rate +56,34% | See the portfolio February 2019
I saved some money in my Emergency Fund (28%). It’s now 100% funded 😎
I also invested in Reinvest24 (24%) for the first time and established an “opportunity money” (43%). The rest went to my index fund investment (5%).
- March: Savings rate +49,14% | See the portfolio March 2019
I invested for the second time in Fast Invest (43%) and PeerBerry (39%). The rest went to my index fund investment (18%). - April: Savings rate +49,27% | See the portfolio April 2019
I invested in Grupeer (85%). The rest went to my index fund investment (15%). - May: Savings rate +29,56% | See the portfolio May 2019
I sold my shares at Vestas with a small profit. I invested in my index fund investment automatically (22%) and saved some for P2P lending investment (44%) and opportunity money (34%). - June: Savings rate +54,34% | See the portfolio June 2019
I invest in PeerBerry for the third time (85%). I also invested in my index fund investment automatically (15%). - July: Savings rate +30,29% | See the portfolio July 2019
I invest in Lenndy for the first time (86%). I also invested in my index fund investment automatically (14%). - August: Savings rate +38,15% | See the portfolio August 2019
I saved the most money in my “opportunity money” (88%). I also invested in my index fund investment automatically (12%). - October: Savings rate +34,75% | See the portfolio September 2019
I saved the most money in my “opportunity money” (94%). I also invested in my index fund investment automatically (6%). - September: Savings rate +45,66% | See the portfolio September 2019
I pay off my leverage loan this month. I also invested in my index fund investment automatically.
2018 - Monthly updates
Monthly average savings rate: +40,06%
- January: Savings rate +100%
- February: Savings rate +77,70% | See the portfolio February 2018
Started my blog 😎
I borrowed money (APR 7,45%) to do leveraged investing. That means my financially free progress grew a lot.The money will be paid back over 3 years. Most went to my P2P investment Mintos (75%). The rest went to Crypto (18,6%), Emergency Fund (2%) and debt (4,4%).
- March: Savings rate +25,57% | See the portfolio March 2018
I invested in Crypto (70,7%) and the rest went to my Emergency Fund (29,3%). - April: Savings rate +19,37% | See the portfolio April 2018
I invested in Crypto (51,7%) because prices have fallen a lot. The rest went to the Emergency Fund (48,3%). - May: Savings rate +41,12% | See the portfolio May 2018
I invested in PeerBerry (58,74%) for the first time. The rest was invested in Bitcoin (41,25%). - June: Savings rate +16,12% | See the portfolio June 2018
Most went to my Emergency Fund (75%) and the rest went to my index fund investment (25%).The reason for a small savings rate is because I had some very big expenses (a new bed and a wall shelf).
- July: Savings rate +19,66% | See the portfolio July 2018
Most of it went to my Emergency Fund (78%) and the rest went to my index fund investment (12%).I had another month with a small savings rate because I have chosen to spend a little more money on holiday (trip to Prague). We also bought a new refrigerator that is very energy-efficient (A+++).
- August: Savings rate +37,46% | See the portfolio August 2018
I invested in Grupeer (80%) for the first time. The rest went to my index fund investment (10%) and my Emergency Fund (10%).I had to remove my cloud mining investment from my portfolio. Hashflare and CCG Mining were in total 7% of my portfolio. Unfortunately, it has not yielded a good return for a long time, and I have therefore chosen not to invest in cloud mining anymore.
- September: Savings rate +35,35% | See the portfolio September 2018
I invested in Fast Invest (74%) for the first time. The rest went to my index fund investment (10%) and my Emergency Fund (16%).It’s the first time I invest in two index funds to have a more global focus.
October: Savings rate +31,34% | See the portfolio October 2018
Most went to my Emergency Fund (86%) and the rest went to my index fund investment (14%).- November: Savings rate +46,84% | See the portfolio November 2018
I invested again in Grupeer (46%). I deposited some money for my emergency fund (28%). I have also invested a small amount in my two index funds (8%) and into crypto (18%).
- December: Savings rate +16,59% | See the portfolio December 2018
Most went to my Emergency Fund (74%) and the rest went to my index fund investment (26%).
2018 - Investment portfolio result
Money allocation: Returns in 2018: P2P – Mintos 37% +13,75% P2P – PeerBerry 3% +6,36% P2P – Grupeer 6% +4,25% P2P – Fast Invest 3% +3,23% Crypto 29% -85,14% Stock – Vestas 2% -14,03%
Index fund – OMX C25 7% -10,54% Index fund – MSCI World Index 1% -0,44% Emergency Fund 12% +1,88%
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