April 2022 Monthly Investment Report

In April it was holiday time again, we went to Gran Canaria for 2 weeks with the family, which meant I wasn’t too hands-on this month. Next month, I expect the markets to go down even further and there might be hitting a couple of my buy orders then. Let’s wait and see, for now, find the portfolio updates below!

Capital Growth Portfolio

The Saxo Bank portfolio is down 4.33% this month, I expect it to bleed some more in the coming months, but hopefully, the market will turn around after the summer.

Portfolio value: €6079.82
Deposits: €100
Growth/decline: -€170.44

Retirement Fund Portfolio

Just like the capital growth portfolio, we are down here as well with 4.32%

Portfolio value: €2269.03
Deposits: €100
Growth/decline: €2.16

Index Fund & Stock Portfolio

This month I added another ETF to the list, I bought Rize Sustainable Future of Food ($FOOD), 40 @ €4.7455. I also bought some Invitae Corp ($NVTA), 75 @ $6.58. In the coming month, I will be looking for some more ETF entries and I’m also looking to

Portfolio value: €8126.4
Deposits: €300
Cash: €377.95
Passive income: €15.56
Real Growth/Decline: -€201.44

Ideal allocation (December 2021):

  • Stocks: 75%
  • ETFs & Cash: 25%

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

Semmie Portfolio

No deposits, just a small loss of 4.98%.

Portfolio value: €272.55
Deposits: €0
Growth/decline: -€14.28

P2P Lending Portfolio

Mintos

Still paused any further deposits. Once I reach €1000 on this platform and €500 on EstateGuru, I will diversify platforms. The last 2 years have been really nice on Mintos.

Portfolio value: €777.23
Deposits: €0
Passive income: €4.35

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

EstateGuru

I’m currently invested in 6 projects on EstateGuru with a 9-11% interest rate.

Portfolio value: €372.42
Deposits: €0
Passive income: €1.21

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.

Crypto Portfolio

Down a lot on the crypto portfolio, currently -17.92%, we probably haven’t seen the worst of it yet, but if the markets keep dipping I might get interested in DCAing back into some assets, like BTC, ETH and HTR.

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. The BlockFi interest rates have increased again this month, unfortunately, bitcoin is still 4.5%. Celsius is becoming more interesting to test because of this.

I also want to remind everyone, especially now that crypto is quickly appreciating in value, how important it is to keep the bulk of your crypto off the exchanges you are trading on. I keep mine on a Ledger.

Portfolio value: €4793.20
Bitcoin value: 0.05125214
Ethereum value: 0.69081781
Deposits: €0
Withdrawals: €0
Growth/decline: -€1046.18

Total Portfolio Overview

Portfolio value: €22819.66
Deposits: €500
Withdrawals: €0
Passive income*: €21.12
Total growth/decline: -€1062.45
Real growth/decline: -€1562.45

* This only includes P2P & Dividend

Ideal allocation (January 2022):

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

Ideas for May

If the market continues to dip, I will move some more cash into stocks and ETFs.

Website Goals

  • Nothing new planned

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