Investment Portfolio Update (October 2019)

  • paper assets (individual stocks, pension funds, ETFs) [€85 112 (+323)]
  • real estate (7 rental apartments) [equity: €90 414 (+786)]
  • crowdfunding, p2p [€86 310 (+974)]
  • cryptocurrencies [€495 (+55)]
  • cash (bank deposits, cash on bank accounts) [€26 310 (+3 940)]

Net worth: €288 618 (+6 055)
Cash Flow/Investments Income (October): €2 020 (-40)

I increased my cash position by selling some stocks, thus more than half of my net worth bump comes from the stocks portfolio growth. More about that in the Stocks section.

Total monthly cash flow dropped a bit, because of fewer dividends and some small maintenance expenses in one of the apartments.

Paper Assets

Stocks/ETFs

My current stocks portfolio value: €57 497 (-674).

This was an amazing month for my portfolio as shares of BMW added around 8%, which resulted in more than 3K increase in my portfolio. To read more about my BMW AG shares position check this post.

You are probably questioning yourself, why the portfolio size decreased by €674. The answer is quite simple. In October I sold my MSFT shares on “Microsoft Wins Pentagon’s $10 Billion JEDI Contract” news.

As I wrote in my post on “Investing During Market Downturn”, I bought MSFT shares during December 2018 correction and planned to sell them at “the right time” – I’m increasing my cash position for the down payment for a new apartment. Here are some details about this “sell” transaction:

Dividend income in October: $11.55 (-73.75)


Pension Funds

My pension funds (2 & 3 pillars) account value: €27 615 (+997).

2nd pillar: Tuleva World Stocks Pension Fund

3rd pillar: LHV Pensionifond Indeks Pluss

In my previous portfolio update I emphasized that when choosing a pension fund I’m looking for 2 things:

  • low expense ratio 
  • invests mostly in broad ETFs

It turns out that now there is a better option with lower expense ratio for 3rd pillar pension fund, which is again Tuleva. I plan to switch from LHV to Tuleva in the near future.  


Real Estate


I am still working on adding Rental Property #8. I will definitely share more info in upcoming posts.
Meanwhile, here is the performance of the existing 7 rental apartments:

EquityCash Flow
Rental Property #1€34 500€300
Rental Property #2€25 254€164
Rental Property #3€4 643€76
Rental Property #4€3 707€117
Rental Property #5€4 893€63
Rental Property #6€17 026€148
Rental Property #7€391€159
Total€90 414€1027

The equity increased by €786, this is all through monthly principal repayments. I am not taking into account any appreciation/depreciation in my real estate portfolio since it’s something that is very hard to measure.

Monthly return: (1027/90414)*100% = 1.14% (13.63% annualized)


Crowdfunding/P2P

Cash Flow in October: €984 (+119)
Monthly return: (984/86310)*100% = 1.14% (13.68% annualized)

The income from platforms increased in October and it is just 16€ shy of touching a €1000/month goal 🙂


Estateguru

In October Estateguru finally presented its Secondary Market feature. I was really looking forward to it. Being able to exit my investments early is a huge advantage for me.

There is one little detail though 🙂 As EstateGuru announced:
“Since the aim of the secondary market is not to fulfil the role of a trading platform, but rather to offer an early exit opportunity to those who need the liquidity, a 2% service fee has been applied. This fee will be paid by the seller – buyers will carry no cost beyond the purchase price of the claim.”

Moreover, this month, EstateGuru started to publish “Portfolio report about defaults and recoveries”. This is going to be a quarterly report. Here is what I received this month:

My personal loan portfolio on EstateGuru:

In my opinion, EstateGuru is one of the safest platforms out there. I plan to add €500 to my account in November.

If you would like to get a 0.5% bonus from all investments made during the first 3 months then feel free to register using my referral link!

XIRR11.4%
Earned€65.77
Deposits€148.29
Withdrawals€0
Total Account Value€8 443

Twino

This one is self-descriptive and boring 🙂 No deposits/withdrawals this month. Overall, I’m happy with the passive income that TWINO provides.

XIRR10.76%
Earned€42.37
Deposits€0
Withdrawals€0
Total Account Value€5 226

Mintos

In October, I mostly invested in short-term loans and withdrew €1060, since interest rates on Mintos are kind of low right now.

XIRR12.53%
Earned€87.97
Deposits€0
Withdrawals€1060
Total Account Value€7 772

Crowdestate

Currently, there are too many problematic projects in my portfolio and on Crowdestate in general. Before making any conclusions I would like to see how Crowdestate deals with all these problems. Meanwhile, I’m not depositing any new money to the platform, while withdrawing some principal/interest that I receive.

XIRR8%
Earned€151.07
Deposits€0
Withdrawals€402.75
Total Account Value€9 802

Crowdestor

This month Crowdestor was able to bring a lot of interesting projects. I invested in some of them. Crowdestor is another platform that so far made all payments to investors on time.

XIRR16.9%
Earned€121.49
Deposits€500
Withdrawals€0
Total Account Value€11 856

Swaper

Yet another month of completely passive and boring income on Swaper.

XIRR13.6%
Earned€155.24
Deposits€0
Withdrawals€300
Total Account Value€13 995

Robocash

Robocash investments are super passive and stable as usual.

XIRR12.24%
Earned€36.77
Deposits€0
Withdrawals€0
Total Account Value€3 178

Grupeer

I’m happy with Grupeer and plan to add more funds in November, hopefully, their secondary market feature appears soon. Meanwhile, it looks like this:


XIRR13.2%
Earned€52.27
Deposits€0
Withdrawals€225
Total Account Value€5 229

Envestio

In October I didn’t make any deposits/withdrawals, all interest and principal repayments were reinvested into new projects. By the way, all the payments on this platform were made on time so far!

Currently, there are 2 available projects on Envestio:


In case you want to give it a try, by using my referral link you will get €5 “first deposit bonus” and 0.5% “timespan bonus” on all investments made during 270 days (9 months!).

XIRR19.4%
Earned€245.77
Deposits€0
Withdrawals€0
Total Account Value€15 515

Bulkestate

It seems like Bulkestate is starting to add projects with monthly interest payments. For me, this is a good enough motivation to make a deposit in November.

Earned€1.34
Deposits€0
Withdrawals€0
Total Account Value€2504

Kuetzal

In October I received all the planned interest from Kuetzal. It keeps adding new high-interest projects.

In November I am going to add more funds to Kuetzal in order to be able to invest in the following 2 projects and possibly in new ones:


In case you want to give it a try, by using my referral link you will get a 0.5% bonus on all investments made within 180 days.

Earned€7.88
Deposits€300
Withdrawals€0
Total Account Value€814

Reinvest24

I would like to add more funds to Reinvest24, but there are no new projects. Hope they will fix it soon.

Earned€1.34
Deposits€0
Withdrawals€0
Total Account Value€544

Wisefund

I added this platform at the beginning of September. It looks similar to Kuetzal, Envestio, Crowdestor and also provides similar high interest rates.

I plan to add more money to Wisefund this month and invest in the following open projects:


If you would like to get 0.5% cashback on each investment made during the first 270 days then register using my referral link!

Earned€22.87
Deposits€200
Withdrawals€0
Total Account Value€1241

Cryptocurrencies

Total portfolio value: €494.81 (+54.42)


Cash

Cash position: €18 812 (+11 805) and $8 309 (-8390).

Some USDs were converted to EURs this month. The purpose of this conversion was to have more EUR for the down payment for a new apartment. As a side effect I made nice gains on exchange rates.


Thanks for reading! As always feel free to leave your comments/questions/suggestions below and don’t forget to subscribe! 😉


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