Investment Portfolio update August 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 1/830% +1,09% +8,10% +13%
(2018: +13,75%) P2P – PeerBerry
Updated 10/89% +0,94% +8,11% +12%
(2018 since May: +6,38%) P2P – Grupeer
Updated 10/87% +1,30% +9,56% +15%
(2018 since Aug: +4,25%) P2P – Fast Invest
Updated 4/84% +1,04% +9,17% +13%
(2018 since Sep: +3,23%) P2P – Lenndy
Updated 3/62% 0,00% 0,00% +6%
(Started Jun, 2019) Real estate – Reinvest24
Updated 21/72% +0,48% +0,48% +6%
(Started Feb, 2019) Index fund – OMX C25
Updated 7/86% -0,85% +4,86% +10%
(2018: -10,54%) Index fund – MSCI World Index
Updated 7/84% +1,77% +5,43% +10%
(2018 since Sep: -0,44%) Crypto
Updated 4/817% +3,49% +15,91% +100%
(2018: -85,14%) Opportunity money
Updated 1/85% 0,00% 0,00% 0,00% Emergency Fund
Updated 1/814% +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 funds. I 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.
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.
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% 😎
| 2019 | May | Jun | Jul | Aug |
|---|---|---|---|---|
| 1-15 Days Late | 14,9% | 12,0% | 11,0% | 12,1% |
| 16-30 Days Late | 7,1% | 7,1% | 6,8% | 9,8% |
| 31-60 Days Late | 6,6% | 6,8% | 5,8% | 6,3% |
| 60+ Days Late | 0% | 0% | 0% | 0% |
| Default | 0% | 0% | 0% | 0% |
| Bad Debt | 0% | 0% | 0% | 0% |
| 2019 | Jan | Feb | Mar | Apr |
|---|---|---|---|---|
| 1-15 Days Late | 11,4% | 11,2% | 10,6% | 10,3% |
| 16-30 Days Late | 7,3% | 8,5% | 4,7% | 5,7% |
| 31-60 Days Late | 7,3% | 6,0% | 7,1% | 4,8% |
| 60+ Days Late | 0% | 0% | 0% | 0,25% |
| Default | 0% | 0% | 0% | 0% |
| Bad Debt | 0% | 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.
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.
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.
Loans that have defaulted since August 2018: 0% 🙂
| 2019 | May | Jun | Jul | Aug |
|---|---|---|---|---|
| 1-15 Days Late | 0% | 0% | 0% | 0% |
| 16-30 Days Late | 0% | 0% | 0% | 0% |
| 31-60 Days Late | 0% | 0% | 0% | 0% |
| 60+ Days Late | 0% | 0% | 0% | 0% |
| Default | 0% | 0% | 0% | 0% |
| Bad Debt | 0% | 0% | 0% | 0% |
| 2019 | Jan | Feb | Mar | Apr |
|---|---|---|---|---|
| 1-15 Days Late | 0% | 0% | 0% | 0% |
| 16-30 Days Late | 0% | 0% | 0% | 0% |
| 31-60 Days Late | 0% | 0% | 0% | 0% |
| 60+ Days Late | 0% | 0% | 0% | 0% |
| Default | 0% | 0% | 0% | 0% |
| Bad Debt | 0% | 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
2019 - Monthly updates
Monthly average savings rate: +40,74%
- 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%).
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%
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%
Hello, I enjoy reading all of your article posts. I wanted to write
a little comment to support you.
Thanks, Leonel 🙂
You made my day!
Hi,
It is really great to follow your blog and your monthly updates!
Hi Tomaz!
Nice to have you onboard – thanks! 😎
Epic graphics Peter,
Keep them going. I love them. Lots of numbers to crunch.
Regards from a fellow Danish FIRE enthusiast.
Peter
Hi Peter,
Thanks a lot! 🙂
Nice to have another Danish onboard. I hope you will stick around.
Thanks for sharing such a good thought, post is nice, thats why i have
read it completely