Investment Portfolio update February 2019
I update every month with my thoughts about the progress of my investments.
Money allocation: Returns last month: Returns in 2019: Expected returns in 2019: P2P – Mintos
Updated 2/235% +1,01% +1,94% +13%
(2018: +13,75%) P2P – PeerBerry
Updated 8/23% +0,94% +1,96% +12%
(2018 since May: +6,38%) P2P – Grupeer
Updated 10/25% +1,16% +2,37% +15%
(2018 since Aug: +4,25%) P2P – Fast Invest
Updated 3/22% +1,20% +2,50% +15%
(2018 since Sep: +3,23%) Real estate – Reinvest24
Updated 1/23% 0,00% 0,00% +14%
(Started Feb, 2019) Crypto
Updated 4/223% -5,28% -1,54% +200%
(2018: -85,14%) Stock – Vestas
Updated 6/22% +7,89% +6,95% +15%
(2018: -14,03%) Index fund – OMX C25
Updated 6/26% +4,19% +0,72% +10%
(2018: -10,54%) Index fund – MSCI World Index
Updated 6/21% +4,47% +2,31% +10%
(2018 since Sep: -0,44%) Opportunity money
Updated 1/24% 0,00% 0,00% 0,00% Emergency Fund
Updated 1/216% +0,00% +0,22% +3%
(2018: +1,88%)
Financially free progress
2018
Progress in 2018: +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%)
2019
Overall progress: 9,25%
Monthly average growth: +0,57% (2019)
- January: 8,31% (+0,20%)
- February: 9,25% (+0,94%)
💡 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, Real estate crowdfunding etc.
2018
Monthly average savings rate: +40,06%
- 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%
2019
Monthly average savings rate: +39,92%
(2018-2019)
- January: +21,83%
- February: +56,34%
The expected average savings rate in 2019: +50%
Comments on the progress
This month I reached 9.25% in my financially free progress and my savings rate was massive +56,34% 🙂
The saved money went mostly to my 6 months emergency fund. It is now 100% funded! Hurray! 😎
I am really happy to have achieved this goal. It took me 13 months to do.
This also means that I am now on step 4 in my 7 steps plan and my focus will now be to remove the debt.
Furthermore, I have invested for the first time in real estate crowdfunding at Reinvest24. It will give me a better diversification and I look forward to uncovering this platform.
I have also invested a small amount in my two index funds. I do this automatically every month at the moment.
Finally, I have also established an “opportunity money” that will be put into use continuously when there are good investment opportunities.
The best and most reliable return is still my P2P lending investment at 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 35% of my portfolio.
Lastly, I have also sold a bit crypto (TRX) with a small profit. I did it to get a better diversification in my portfolio. The profit was 15% in total and the money went to my emergency fund.
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More information
My Pension
The savings 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).
Previous updates
2019 - Monthly updates
Monthly average savings rate: +40,06%
- 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%).
2018 - Monthly updates
Monthly average savings rate: +40,06%
- January: Savings rate +113,66%
- 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%).
2018 - Investment portfolio result
Money allocation: Returns in 2018: P2P – Mintos 37% +13,75% P2P – PeerBerry 3% +6,36% P2P – Grupeer 6% +4,25% P2P – Fast Invest 3% +3,23% 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%
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%