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 January 2021

Investment portfolio
 Money allocationReturns last monthReturns in 2021Expected returns in 2021
P2P – Mintos
Updated 3/1
Visit the platform
26%+0,96%
+0,96%+12,50%
(2020: +12,48%)
(2019: +12,63%)

P2P – PeerBerry
Updated 5/1
Visit the platform
11%+0,83%+0,83%+11,50%
(2020: +11,11%)
(2019: +11,83%)

P2P – Fast Invest
Updated 4/1
Visit the platform
4%+4,71%
*Repayment of extended loans

 
+4,71%+12,50%
(2020: +9,04%)
(2019: +13,35%)

P2P – Lenndy
Updated 9/1
Visit the platform
1%+0,91%
+0,91%+11%
(2020: +10,25%)
Real estate – Reinvest24
Updated 9/1
Visit the platform
2%+0,59%
+0,59%+8-12%
(2020: +10,55%)
Real estate – Crowdestor
Updated 9/1
Visit the platform
2%+2,00%
+2,00%+8-12%
(Started Feb. 2020: +4,46%)
Index fund – OMX C25
Updated 9/1
13%+11,47%+11,47%+15%
(2020: +24,96%)
(2019: +6,77%)

Shares in companies
Updated 9/1
14%+9,68%+9,68%+15%
(Started Dec. 2020: +2,32%)

Bitcoin
Updated 5/1
Get $10 BTC
3%+40,89%+40,89%+100%
(2020: +15,01%)
(2019: +6,68%)

Opportunity money
Updated 1/1
14%0,00%0,00%0,00%
6 Months
Emergency Fund
Updated 1/1
10%+0,16%+0,16%+3%
(2020: +3,41%)
(2019: +2,04%)


Financially free progress

 Money allocationReturns in 2021
P2P – Mintos
Updated 3/1
26%+0,96%
P2P – PeerBerry
Updated 5/1
11%+0,83%
P2P – Fast Invest
Updated 4/1
4% +4,71%
P2P – Lenndy
Updated 9/1
1%+0,91%
Real estate – Reinvest24
Updated 9/1
2%+0,59%
Real estate – Crowdestor
Updated 9/1
2%+2,00%
Index fund – OMX C25
Updated 9/1
13%+11,47%
Shares in companies
Updated 9/1
14%+9,68%
Bitcoin
Updated 5/1
3%+40,89%
Opportunity money
Updated 1/1
14%0,00%
Emergency Fund
Updated 1/1
10%+0,16%


Financially free progress

2021

Overall Progress:

+14,23%

Monthly average growth:

+0,27%

  • January: 14,23% (+0,27%)

2020

Progress:

+2,05%

In total was:
13,96%

Monthly average growth:

+0,17%

  • ✅ Paid off the car loan
  • ✅ Finished Step 4
  • 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
  • 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%

  • 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

+64,47%

Monthly average savings rate

  • January: +64,47%

The expected average savings rate in 2021: +60%

2020

+57,58%

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%
  • November: +55,21%
  • December: +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: +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

 

What a year 😕
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. On average it was +57,58%!

Furthermore, I managed to pay off my car loan and finish Step 4. I’m still well ahead towards financial independence 🙂

 

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. It’s time to leave most of the “the index – game”. I still have my local danish index fund with only 25 companies included.

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.

I will go more in-depth about my thoughts for the future in a blog post and describe how I see the development at the macro level. Stay tuned 😉

I will also update my investment portfolio to reflect my new focus on selected sectors.

 

That’s it.
I hope you will have a fantastic 2021 and thanks for following my progress!

 

Do you like these updates? 😃

Previous updates since 2018

 Money allocationReturns 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%

 

  • 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 2020Opens in a new tab.
    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 2020Opens in a new tab.
    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 5Opens in a new tab. and will focus on the mortgage while investing.
    I also invested in my index funds.

  • November: Savings rate +55,21% | See the portfolio November 2020Opens in a new tab.

    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 2020Opens in a new tab.

    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.

 Money allocation:Returns in 2019:
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. 

Join the monthly:
Stay Focused Email List

and stay connected 🙂

 

  • Follow my journey and blog updates
  • Stay on track
  • Learn more during your own journey