August 2022 Monthly Investment Report

Getting this August update online was a bit of a mess; I had to deal with a broken computer and a broken phone, so a lot of my tools used to get this in the air were missing. I changed the crypto portfolio a little, but I am not sure yet how that will reflect in the monthly overview. I’m also planning to DCA in specific assets to get my portfolio allocation back to the percentages I set in January.

Capital Growth Portfolio

A small 0.41% decline in the portfolio, luckily the volatility is calming down a little.

Portfolio value: €6364.08
Deposits: €100
Growth/decline: -€26.16

Retirement Fund Portfolio

Another green month, 4.18% portfolio value increase.

Portfolio value: €2575.04
Deposits: €100
Growth/decline: €103.39

Index Fund & Stock Portfolio

The dividend was nothing special this month, but if we add all dividend together, we gained €91.95 passive income this year. Not really a lot, but still nice. It will help growing the portfolio a little quicker.

The portfolio gained 7.47% in total value this month.

Portfolio value: €7978.21
Deposits: €200
Cash: -€2432.99
Passive income: €5.73
Real Growth/Decline: €354.58

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, portfolio down 2.25%

Portfolio value: €265.80
Deposits: €0
Growth/decline: €13.76

P2P Lending Portfolio

Mintos

Steady growth as always, 0.66% this month. The passive income is always around €5.

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: €796.95
Deposits: €0
Passive income: €5.21

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: €381.77
Deposits: €0
Passive income: €1.60

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

After a huge green month, we are ending a little lower here this month.

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, 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: €2864.61
Bitcoin value: 0.05656765
Ethereum value: 0.75266502
Deposits: €0
Withdrawals: €0
Growth/decline: -€548.75

Total Portfolio Overview

Portfolio value:
Deposits: €400
Withdrawals: €0
Passive income*: €12.54
Total growth/decline: €143.15
Asset growth/decline: -€256.85

* This only includes P2P & Dividend

Ideal allocation (January 2022):

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

Ideas for September

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

  • Nothing new planned

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