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 March 2021

- 6 Months Emergency Fund
- Opportunity Money
- P2P - Mintos
- P2P - PeerBerry
- P2P - Fast Invest
- P2P - Lenndy
- Real Estate - Reinvest24
- Real Estate - Crowdestor
- Bitcoin
- Shares in companies
Money allocation | Returns last month | Returns in 2021 | Expected returns in 2021 | |
---|---|---|---|---|
P2P – Mintos | 24% | +0,89% | +2,81% | +12,50% (2020: +12,48%) (2019: +12,63%) |
P2P – PeerBerry | 10% | +0,89% | +1,72% | +11,50% (2020: +11,11%) (2019: +11,83%) |
P2P – Fast Invest Updated 6/2 | 3% | +1,12% | +5,83% | +12,50% (2020: +9,04%) (2019: +13,35%) |
P2P – Lenndy Updated 11/2 | 1% | +0,69% | +1,60% | +11% (2020: +10,25%) |
Real estate – Reinvest24 | 2% | +0,58% | +1,17% | +8-12% (2020: +10,55%) |
Real estate – Crowdestor | 1% | +0,00% | +2,00% | +8-12% (Started Feb. 2020: +4,46%) |
Shares in companies Updated 11/2 | 4% | +17,11% | +26,79% | +15% (Started Dec. 2020: +2,32%) |
Bitcoin Updated 4/3 ➡ Get $10 BTC | 36% | -12,91% | +35,00% | +150% (2020: +15,01%) (2019: +6,68%) |
Opportunity money Updated 4/3 | 11% | 0,00% | 0,00% | 0,00% |
6 Months Emergency Fund Updated 4/3 | 8% | +0,12% | +0,53% | +3% (2020: +3,41%) (2019: +2,04%) |
Financially free progress
Money allocation | Returns in 2021 | |
---|---|---|
P2P – Mintos Updated 4/3 | 24% | +2,81% |
P2P – PeerBerry Updated 6/2 | 10% | +1,72% |
P2P – Fast Invest Updated 6/2 | 3% | +5,83% |
P2P – Lenndy Updated 11/2 | 1% | +1,60% |
Real estate – Reinvest24 Updated 11/2 | 2% | +1,17% |
Real estate – Crowdestor Updated 11/2 | 1% | +2,00% |
Shares in companies Updated 11/2 | 4% | +26,69% |
Bitcoin Updated 4/3 | 36% | +35,00% |
Opportunity money Updated 4/3 | 11% | 0,00% |
Emergency Fund Updated 4/3 | 8% | +0,53% |
Financially free progress
2021
Overall Progress:
+15,58%
Monthly average growth:
+0,45%
- January: 14,23% (+0,27%)
- February: 14,97% (+0,74%)
- March: 15,58% (+0,61%)
2020
Progress:
+2,05%
In total was:
13,96%
Monthly average growth:
+0,17%
- ✅ Paid off the car loan
- ✅ Finished Step 4
2020
- 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 - November: 13,39% (+0,47%)
- December: 13,96% (+0,57%)
2019
Progress:
+2,73%
In total was:
11,04%
Monthly average growth:
+0,23%
- ✅ Paid off my student – and leverage loan
- ✅ Achieved a 50% savings rate
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%)
- September: 11,27% (+0,44%)
- October: 9,61% (-1,66%)
*Paid off leverage loan - November: 10,08% (+0,47%)
- December: 11,04% (+0,96%)
2018
Progress:
+5,80%
In total was:
8,11%
Monthly average growth:
+0,48%
- ✅ Created a 6 months Emergency Fund
- ✅ Finished Step 1, 2 and 3
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: 8,11% (+0,50%)
💡 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.
2021
+57,34%
Monthly average savings rate
- January: +64,47%
- February: +51,59%
- March: +54,91%
The expected average savings rate in 2021: +60%
2020
+57,58%
Monthly average savings rate
2020
- 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%
- November: +55,21%
- December: +50,60%
2019
+40,49%
Monthly average savings rate
2019
- 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
2018
- January: +20,10%
- February: +26,70%
- 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 have invested even more in Bitcoin. I have sold all my stocks and index funds to do this.
This will increase my risk appetite, but since I don’t expect high returns from index funds, I don’t see other options right now. In my eyes, it’s a matter of time before more and more people leave these funds, as they do not provide a particularly good return.
I currently have a fairly high allocation in bitcoin, but I expect it to be around 15% later this year.
That’s it!
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Previous updates since 2018
2021 - Monthly updates
- January: Savings rate +64,47% | See the portfolio January 2021
It has been a rather hectic year with many uncertainties. Hopefully, we can have more positive circumstances soon as the vaccine has arrived!
I was hit financially in 2020 with a lower income (approx -20%) but I predict that my overall income will rise slowly next year when everything hopefully will be back to normal.
I have multiple sources of income so not everyone was affected and I still managed to stay focused and have a high savings rate.
Lately, I have been thinking a lot about my approach to investing, and it’s probably affected by the circumstances of 2020.
The United States has printed money like never before and the stock market is unaffected because of all the “fake” money. This is not a good sign in my opinion.
At the same time, I haven’t been entirely happy with my international index funds and their performance. Therefore I have chosen to sell these and take the profit.
Now I want to focus more on companies that work with disruptive innovation. It’s not an easy road to take but I think we are heading towards new times where current investment approaches (such as index funds) are outdated strategies because they will give much lower returns.
My biggest position has always been in P2P lending and I predict the European P2P lending market will have high growth in the coming years with great opportunities but also more regulation. I have invested in the company behind Mintos and I’m really looking forward to their development in the coming years. I see great potential.
Furthermore, I also see a bright future in other fintech companies, blockchain, AI technology, and the health sector.
- February: Savings rate +51,59% | See the portfolio February 2021 This month I have changed my allocation in my investment portfolio. I have sold all my index funds and the money went into individual stocks and Bitcoin. I also used the saved money this month to invest in these opportunities. I currently have a fairly high allocation in bitcoin, but I expect it to be around 15% in 1-2 years.
2020 - Investment portfolio result
Money allocation | Returns in 2020 | |
---|---|---|
P2P – Mintos | 24% | +12,48% |
P2P – PeerBerry | 10% | +11,11% |
P2P – Fast Invest | 4% | +9,04% |
P2P – Lenndy | 2% | +10,25% |
Real estate – Reinvest24 | 1% | +10,55% |
Real estate – Crowdestor | 2% | +4,46% |
Index fund – MSCI World Index | 14% | +13,72% |
Index fund – DSJI World Index | 8% | +11,85% |
Index fund – OMX C25 | 11% | +24,96% |
Shares in companies | 10% | +2,32% |
Bitcoin | 5% | +15,01% |
Opportunity money | 0% | 0,00% |
Emergency Fund | 9% | +3,41% |
2020 - Monthly updates
- 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 September 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. - October: Savings rate +61,78% | See the portfolio October 2020
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 by more than 60%.Now I’m in step 5
and will focus on the mortgage while investing.
I also invested in my index funds. - November: Savings rate +55,21% | See the portfolio November 2020
This month, most of the saved money went into my “Opportunity Money”. I have also invested in my index funds. I do this automatically every month at the moment. Furthermore, one of my property investments at Reinvest24 was sold. It gave me a massive +5,84% in return. Pretty nice.
I’m planning to move the sold asset to my “Opportunity Money” and reduce the investment at Reinvest24. - December: Savings rate +50,60% | See the portfolio December 2020
I have invested in the company behind the platform Mintos. Furthermore, I have invested in a listing of the Scandinavian trading platform Nordnet. These are long term investments which are quite interesting to me. I have used both platforms for many years with great experiences.
I have also invested a small amount in my index funds. I do this automatically every month at the moment.
2019 - Investment portfolio result
Money allocation: | Returns in 2019: | |
P2P – Mintos | 31% | +12,63% |
P2P – Peerberry | 10% | +11,83% |
P2P – Grupeer | 7% | +14,58% |
P2P – Fast Invest | 6% | +13,35% |
P2P – Lenndy | 3% | +7,00% (Since Jun) |
Real estate – Reinvest24 | 2% | +3,75% (Since Feb) |
Crypto | 17% | +6,68% |
Index fund – OMX C25 | 6% | +6,77% |
Index fund – MSCI World Index | 4% | +10,29% |
Opportunity money | 0% | 0,00% |
Emergency Fund | 14% | +2,04% |
2019 - Monthly updates
Monthly average savings rate: +40,49%
- 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. - November: Savings rate +41,39% | See the portfolio November 2019
Most money this month went to the Emergency Fund. I used the money to pay off a leverage loan. I also invested in my index fund investment automatically. - December: Savings rate +37,45% | See the portfolio December 2019
I’m now done with step 4!! (Pay off any other loans)
Most money this month went to the Emergency Fund. I used the money to pay off a leverage loan. It’s now fully funded again!
I also invested in my index fund investment automatically.
2018 - Investment portfolio result
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 Index | 1% | -0,44% |
Emergency Fund | 12% | +1,88% |
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%).
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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