2023 Q3 Quarterly Investment Report

It’s been a while since an update, and in the last few months, the portfolio has been steadily growing. First, we had 3 months of green numbers, and in August and September, we saw a little correction on the total portfolio. I will change up the numbers a little, because we are not doing a month to month comparison anymore.

Capital Growth Portfolio

The Saxo portfolio is down -1.77% all-time performance. The return on investment is quite disappointing.

Portfolio value: €7465.77
Total deposits: €7600
ROI: -1.77%

Retirement Fund Portfolio

The retirement fund is up 1.71% in total, so far this portfolio has always done a little better than my capital growth portfolio.

Portfolio value: €3966.50
Total deposits: €3900
ROI: 1.71%

Index Fund & Stock Portfolio

I still haven’t decided what route to go here; I’m slightly underperforming compared to the market, which is to be expected. However, I’m having a lot of fun purchasing company stocks instead of ETFs. If I decide to go the dividend route, I will definitely keep looking for company stocks as well as dividend ETFs.

I actually had the highest dividend payout ever in September, I kinda like having that outlook

Portfolio value: €10326.98
Cash: -€1728.21
Total deposits: €10600
ROI: -2.58%

Ideal allocation (December 2022):

  • Stocks: 75%
  • ETFs & Cash: 25%

If you want to start investing, the platform I’m investing on is DeGiro, but you can also invest on other platforms like eToro.

Semmie Portfolio

The total ROI has been really great here, but this is mainly thanks to the joining bonuses, which have now been discontinued.

Portfolio value: €385.53
Total deposits: €320
ROI: 20.48%

P2P Lending Portfolio



Still paused any further deposits. Once I reach €1000 on this platform and €500 on EstateGuru, I will diversify platforms. The last 3 years have been good on Mintos.

Portfolio value: €854.19
Total deposits: €650
ROI: 31.41%

If you sign up using my affiliate link, we will both receive 1% of our average daily balance, which is paid in 3 installments for the first 90 days.


I’m currently invested in 8 projects on EstateGuru with a 9-11% interest rate.

Portfolio value: €394.63
Total deposits: €350
ROI: 12.75%

If you sign up using my affiliate link, we will both receive a 0,5% bonus on all the investments done during the first 90 days of your registration on all the investments that move to funded status.


The first dividend will be received in 2025, and repayments will start in 2029, so there are no short-term gains in sight, but I really like reducing the carbon dioxide footprint while investing.

Portfolio value: €640
Total deposits: €640
ROI: 0%

Crypto Portfolio

The first red month of the year for the existing assets, but the portfolio is up 2.31%, because of a €200 deposit. It seems there is nothing to worry about yet, it’s an expected pullback after three months of green.

The rest of the assets are still growing slowly because of the interest. Swissborg is giving me a 4.5% yield on my bitcoin and 7.75% on my USDC.

I also want to remind everyone how important it is to keep most of your crypto off the exchanges you are trading on. I keep mine on a Ledger.

Portfolio value: €4371.08
Total deposits: €1432
ROI: 205.24%

Total Portfolio Overview

Portfolio value: €28531.01
Deposits: €25592
ROI: 11.48%

* This only includes P2P & Dividend

Ideal allocation (January 2022):

  • ETF & Bonds: 45%
  • Stocks: 25%
  • Cash: 0-5%
  • P2P-lending: 5%
  • Crypto: 20%

Ideas for Q4

In the coming months, it is time to add some to the cash position and invest a little more in crypto if the crypto portfolio doesn’t turn around. This will be needed to keep the 20% allocation.

Website Goals

  • Quarterly updates instead of monthly updates. I will publish the first quarterly update in October and move from there.

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