My investment portfolio

Investment Portfolio update December 2018

I update every month with my thoughts about the progress of my investments.

 Money allocation:Returns last month:Returns in 2018:Expected returns in 2018:
P2P – Mintos
Updated 2/12
37%+1,16%+13,75%+13,5%
P2P – PeerBerry
Updated 8/12
3%+1,06%+6,36%+6%
+12%(2019)
P2P – Grupeer
Updated 10/12
6%+1,29%+4,25%+4,0%
+15%(2019)
P2P – Fast Invest
Updated 3/12
3%+1,29%+3,23%+3,5%
+15%(2019)
Crypto
Updated 5/12
29%-12,07%-85,14%-85%
Stock – Vestas
Updated 7/12
2%+12,54%-14,03%
-15%
Index fund – OMX C25
Updated 7/12
7%-0,38%-10,54%-10%
Index fund – MSCI World Index
Updated 7/12
1%+0,59%-0,44%0,0%
Emergency Fund
Updated 1/12
12%+0,37%+1,88%+2%
+5%(2019)

My investment portfolio

Financially free progress

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%)


Monthly average growth: 
+0,48%
Progress in 2018: +5,80%

 

2019

Monthly average growth: 
Progress in 2019:

Overall progress: +8,11% 

Financially free progress

 

💡 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, Crypto etc.

2018:

  • January: +113,66%
  • 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%


Monthly average savings rate:
 +40,06%

2019:

The expected average savings rate: +45,00%


💡 Read more details about my savings rate

Comments on the progress


This month I reached 7.74% in my financially free progress and my savings rate dropped to 40% on average (as expected).

My goal is still to achieve a saving rate of 50%. It will take some time and effort to reach this level but when I have paid off my student loan and the leverage loan it looks very promising.

The saved money went mostly to my emergency fund. It is now 12% of my investment portfolio.

I have also invested a small amount 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 Mintos. 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 37% of my portfolio.

My investment in the crypto had a very hard month. It really has not been the year where there have been good returns within the crypto.


More information


My Pension


The saving 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 37 years from now. The government can change the rules (and they did before).

Prediction of the future


If my investment portfolio has approximately +10% yearly in return (ROI) and my income streams increase as expected, then I’m financially free in:


As you can see my journey is very long. I hope to reach
my long-term goals at New Year 2029 at age 44 🙂

 

Previous updates

 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

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%)


Monthly average growth: 
+0,48%

Progress in 2018:
+5,80%
 

Financially free progress


Monthly average savings rate:
 +40,06%

 

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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%