July 2020 Monthly Investment Report

Investment Portfolio Overview July 2020

At the start of this month, we went on a small city trip to Bruges and Gent for a couple of days. We had to wear facemasks in all public places, which isn’t the case in our country yet, but it wasn’t too much of a hassle, to be honest. With the rising numbers of COVID-19 across Europe, I wouldn’t be surprised if more countries will follow suit with this policy.

Hopefully, we will be able to go on holiday this summer, but this year risk management is not only for the investors but also for people going on holiday! Ok, so now for last month’s numbers.

Capital Growth Portfolio

A lot of bad earnings are coming in at the moment, some aren’t as bad as expected, which is good. If the second COVID-19 wave, isn’t coming until the last quarter, we will see some more market recovery and upside.

Portfolio value: €3734.42
Deposits: €100
Growth/decline: €131.47

Index Fund & Stock Portfolio

This month I had a double deposit on DeGiro, so I bought 14 IDVY ETF shares @ €15.60 and some more Shell @ 14.15, which are both for the long term portfolio. In the 4 coming months this year, I will be focussing on buying more stocks, since my Capital Growth portfolio is quite conservative with ETF’s and bonds.

Since I like picking stocks for my long term portfolio and I just started my portfolio, I’m more interested in growth stocks than value stocks. I expect my trading strategy to change a lot in the coming months because I keep learning every day.

Portfolio value: €1582.04
Deposits: €400
Passive income: €0
Real Growth/Decline: €-26.21

If you want to start investing as well, the platform I’m investing on (DeGiro) currently has a long waiting list, so if you want to start now you should check out eToro.

P2P Lending Portfolio

Mintos

Nothing special here, just gained a little passive income again. I might add some cash in the future, since the performance has been steady for 8 months now, but 5% of my total portfolio in this high risk investment should be enough for now (currently 9.1%).

Portfolio value: €529.14
Deposits: €0
Passive income: €3.43

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.

Total Portfolio Overview

Portfolio value: €5243.35
Deposits: €500
Passive income: €3.43
Total growth/decline: €602.25
Real growth/decline: €102.25

Ideas for August

In August, I will open a new retirement fund portfolio, which will allow me to invest free from tax. The downside is that under normal circumstances I won’t be able to touch the money until I retire. The tax exemption will be worth having this fund in the long run though!

Website Goals

  • Research some stocks for the long term portfolio, I will post this in next month’s update or as a separate post in August.

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