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 October 2020

Investment portfolio
 Money allocationReturns last monthReturns in 2020Expected returns in 2020
P2P – Mintos
Updated 4/10
26%+1,15%
+10,39%+12,50%
(2019: +12,63%)
P2P – PeerBerry
Updated 13/10
11%+1,17%+9,43%+12%
(2019: +11,83%)
P2P – Fast Invest
Updated 10/10
4%+0,32%
 
+7,86%+10%
(2019: +13,35%)

P2P – Lenndy
Updated 16/10
2%+0,51%
+8,07%+10%
(2019 since Jun: +7,00%)
Real estate – Reinvest24
Updated 18/10
4%+0,31%
+3,96%+4,50%
(2019 since Feb: +3,75%)
Real estate – Crowdestor
Updated 25/10
2%+3,55%
+4,46%+6%
(Started Feb, 2020)
Index fund – OMX C25
Updated 25/10
11%+1,86%+20,00%+20%
(2019: +6,77%)

Index fund – MSCI World Index
Updated 25/10
14%+3,01%+11,28%+12%
(2019: +10,29%)
Index fund – DJSI World Index
Updated 25/10
8%+0,37%+7,41%+10%
(Started Feb, 2020)
Crypto
Updated 25/10
6%+0,44%+10,55%+10%
(2019: +6,68%)
Opportunity money
Updated 1/10
0%0,00%0,00%0,00%
Emergency Fund
Updated 1/10
12%+0,30%+2,46%+3,0%
(2019: +2,04%)


Financially free progress

 Money allocationReturns in 2020
P2P – Mintos
Updated 4/10
26%+10,39%
P2P – PeerBerry
Updated 13/10
11%+9,43%
P2P – Fast Invest
Updated 10/10
4% +7,86%
P2P – Lenndy
Updated 16/10
2%+8,07%
Real estate – Reinvest24
Updated 18/10
4%+3,96%
Real estate – Crowdestor
Updated 25/10
2%+4,46%
Index fund – MSCI World Index
Updated 25/10
14%+11,28%
Index fund – DSJI World Index
Updated 25/10
8%+7,41%
Index fund – OMX C25
Updated 25/10
11%+20,00%
Crypto
Updated 25/10
6%+10,55%
Opportunity money
Updated 1/10
0%0,00%
Emergency Fund
Updated 1/10
12%+2,46%


Financially free progress

2020

Overall Progress:

+12,87%

Monthly average growth:

+0,09%

  • January: 11,91% (+0,87%)
  • February: 12,28% (+0,37%)
  • March: 13,17% (+0,89%)
  • April: 14,33% (+1,16%)
  • May: 14,01% (-0,32%)
    *Removed Grupeer from the investment portfolio
  • June: 14,41% (+0,40%)
  • July: 14,73% (+0,32%)
  • August: 15,02% (+0,29%)
  • September: 15,49% (+0,47%)
  • October: 12,87% (-2,62%)
    *Paid off the car loan

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

+58,40%

Monthly average savings rate

  • January: +62,07%
  • February: +70,23%
  • March: +62,35%
  • April: +66,49%
  • May: +67,30%
  • June: +46,05%
  • July: +47,97%
  • August: +43,60%
  • September: +56,19%
  • October: +61,78%

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

 

This month I managed to save a massive +61,78%

The saved money went into my “Opportunity Money” and I used all this money to pay off my car early. This will reduce my transportation expenses more than 60%. 

Now I’m in step 5 and will focus on the mortgage while investing 😎 

I have also invested in my index funds. I do this automatically every month at the moment.

That’s it! 

 

Do you like these updates? 😃

Previous updates since 2018

  • January: Savings rate +62,07%See the portfolio January 2020
    I completed Step 4 (Pay off any other loans) in 10 months. I will now focus on paying off my mortgage (Step 5).
    I invested again at Grupeer and Reinvest24. I have also invested in my index funds.
  • February: Savings rate +70,23%See the portfolio February 2020
    I have chosen to go back to Step 4 (Pay off any other loans). I have taken a car loan and I will pay it off within 1-2 years. In the end, it will lower my transportation expenses.
    Furthermore, I invested for the first time at Crowdestor and added another index fund (DJSI).
  • March: Savings rate +62,35%See the portfolio March 2020
    The saved money was used to invest at PeerBerry (34%) again. It’s actually the fifth time.
    Furthermore, I have invested in my index funds (18%). I have chosen to increase the monthly investment in my index funds since the stock market is really negatively affected at the moment. I have also saved 33% of the money in my “Opportunity Money”. This money will be used to pay off the car earlier. Lastly, I have paid extra on the mortgage. Approx 15% of the saved money.
  • April: Savings rate +66,49%See the portfolio April 2020
    I paused several of my auto investments to minimize my allocation in P2P lending. I increased my monthly investment in the index funds.
  • May: Savings rate +67,30%See the portfolio May 2020
    I withdraw some money from the platforms Mintos and Fast Invest. I reduced my stakes and have restarted my auto investments. This will give me a better asset allocation.
    Furthermore, I have chosen to remove Grupeer from my investment portfolio. I think the outlook looks very long and uncertain. This was the reason for the decline in my Financially Free Progress. The saved money went into the stock market to take advantage of the situation. This is my main focus now.
  • June: Savings rate +46,05%See the portfolio June 2020
    The saved money went into my index funds. This is my main focus now.
  • July: Savings rate +47,97%See the portfolio July 2020
    The saved money went into my index funds. 
  • July: Savings rate +47,97%See the portfolio July 2020
    The saved money went into my index funds. 
  • August: Savings rate +43,60%See the portfolio August 2020
    The saved money went into my index funds and a bit in the “Opportunity Money”.
  • September: Savings rate +56,19%See the portfolio August 2020
    The saved money went into the “Opportunity Money”. The money will be used to pay off the car loan.
    I also invested in my index funds.
 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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