April 2023 Monthly Investment Report

April flew by with some long weekends off and a trip to Portugal. The portfolio was quite steady, although some assets were not performing really well. After deposits, we still managed to grow to total value a little.

Capital Growth Portfolio

The Saxo portfolio is up 0.97%.

Portfolio value: €6795.51
Deposits: €100
Growth/decline: €65.03

Retirement Fund Portfolio

The retirement fund is up 4.36%.

Portfolio value: €3422.44
Deposits: €100
Growth/decline: €143.05

Index Fund & Stock Portfolio

Another month without any buys, the cash position is slowly coming around. I’m currently determining which route to go. Do I want to invest more in growth or do I want to go more towards dividend stocks… Getting a higher passive income each month is really appealing, although the other route might be quicker in building a high-value portfolio.

A mix of dividend stocks and growth ETFs ensures a much more stable portfolio mix, which is appealing since I can’t keep track of every market.

Portfolio value: €9244.58
Deposits: €200
Cash: -€1556.22
Passive income: €12.41
Real Growth/Decline: -€285.44

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

No deposits this month and the portfolio is up 0.85%.

Portfolio value: €378.33
Deposits: €0
Growth/decline: -€0.99

P2P Lending Portfolio

Mintos

This month was the first time the portfolio value declined since I joined the platform more than 3 years ago. This is because a loan defaulted and court decided there was no way to get the money back. The first defaulted loan in 3 years, let’s hope more won’t follow and we will see the regular €5 increase again next month!

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: €823.05
Deposits: €0
Passive income: -€8.91

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 3 projects on EstateGuru with a 9-11% interest rate.

Portfolio value: €397.73
Deposits: €0
Passive income: €1.62

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.

Corekees

Another month, another tree. This month, however, a new project was launched “Project Bamboo”. The project duration is 15 years, and the ROI is 6.7%, which is a little lower than the Pongamia project I’m investing in monthly, but diversifying is always a good idea.

Portfolio value: €325.5
Deposits: €22.50

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: €4580.21
Bitcoin value: 0.06822891 (+0.17%)
Ethereum value: 1.04751019 (+0.00%)
Deposits: €200
Withdrawals: €0
Growth/decline: €103.40

Total Portfolio Overview

Portfolio value: €26088.39
Deposits: €622.50
Withdrawals: €0
Passive income*: €4.01
Total growth/decline: €36.81
Asset growth/decline: -€585.96

* 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

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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