The stock market in January 2023 was generally positive. The US economy showed continued growth and strength, with consumer spending and employment data coming in better than expected. However, there were also some concerns about inflation and the potential impact of rising interest rates on the market.
Overall, January was a strong start to the year for the stock market, which means the portfolio is green across the board.
Capital Growth Portfolio
The Saxo portfolio is up 4.16%, which is a nice start to the year. In the first month, graphs are always a bit empty, but we will see a trend starting next month, so yay!
Portfolio value: €6669.41
Retirement Fund Portfolio
The retirement fund is up 8.13% in January; it looks like stocks are still doing better than other assets if we compare it to the Saxo portfolio.
Portfolio value: €3070.25
Index Fund & Stock Portfolio
I finally managed to not get lured into buying more stocks, but it was easy this month because everything was green for the most time.
Portfolio value: €9287.98
Passive income: €0
Real Growth/Decline: €1236.82
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.
Deposited €120, growing the portfolio with 52.69%
Portfolio value: €377.05
P2P Lending Portfolio
Steady growth, as always, 0.56% 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 nice on Mintos.
Portfolio value: €822.28
Passive income: €5.40
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.
I’m currently invested in 5 projects on EstateGuru with a 9-11% interest rate.
Portfolio value: €388.74
Passive income: €0.06
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.
Another month, another tree. It would be nice if there will be another project added with a shorter project duration.
Portfolio value: €90.00
January has been a huge month for crypto; the portfolio is up 37.94%, which is a welcome change from the last few months.
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: €3652.97
Bitcoin value: 0.06528799 (+2.34%)
Ethereum value: 1.01147558 (+0.00%)
Total Portfolio Overview
Portfolio value: €24481.50
Passive income*: €6.46
Total growth/decline: €3442.10
Asset growth/decline: €2499.6
* This only includes P2P & Dividend
Ideal allocation (January 2022):
- ETF & Bonds: 45%
- Stocks: 25%
- Cash: 0-5%
- P2P-lending: 5%
- Crypto: 20%
Ideas for February
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.
- Nothing new planned