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 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 allocationReturns last monthReturns in 2019Expected 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 allocationReturns 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%

  • 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
  • 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 fundsI 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


Monthly average savings rate:
 +40,70%


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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