July 2022 Monthly Investment Report

This month, nothing much has happened, we are enjoying the summer and working a lot besides that, next month it’s time for our summer holiday, so looking forward to that. Markets cooled down, hopefully, they will stay calm for the remaining of the summer!

Capital Growth Portfolio

The portfolio is back above the total deposits made, so that is always a nice psychological boost. This month we saw a 5.85% increase in total value.

Portfolio value: €6390.24
Deposits: €100
Growth/decline: €447.68

Retirement Fund Portfolio

Finally, a green month, we see a 5.23% increase in portfolio value.

Portfolio value: €2471.65
Deposits: €100
Growth/decline: €217.77

Index Fund & Stock Portfolio

After two big red months, we are finally seeing some green here as well. We have a some way to go until we hit all time highs, but a 2.17% increase is nice to see. I’ve only bought a few more Snapchat stocks and I am now happy with my position.

  • 50 Snap Inc (SNAP) stocks @ $10.52

Portfolio value: €7423.63
Deposits: €200
Cash: -€2830.17
Passive income: €9.96
Real Growth/Decline: €153.61

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 up 5.46%.

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

P2P Lending Portfolio

Mintos

Steady growth as always, 0.61% 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: €791.74
Deposits: €0
Passive income: €4.81

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: €380.17
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

I’ve been wanting to test Celsius for a while now, but luckily I never entered since it was one of the platforms that didn’t survive the current bear market. Celsius filed for bankruptcy. Because of the heavy weather the lending platforms are in, I have also withdrawn my bitcoin from BlockFi. The only platform I’m still using is Swissborg because the amount I have there is just too small to go through the trouble and costs to withdraw.

I deposited €100 this month, but the buy orders I placed with this didn’t hit yet.

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: €3413.36
Bitcoin value: 0.05599421
Ethereum value: 0.7518537
Deposits: €100
Withdrawals: €0
Growth/decline: €882.82

Total Portfolio Overview

Portfolio value: €21265.10
Deposits: €500
Withdrawals: €0
Passive income*: €16.37
Total growth/decline: €1924.66
Real growth/decline: €1424.66

* This only includes P2P & Dividend

Ideal allocation (January 2022):

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

Ideas for August

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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