March was a good month. The portfolio is up 4.20%. Enjoyed a little getaway with some of my mates, so all was good in February.
Capital Growth Portfolio
The Saxo portfolio is down 0.54%.
Portfolio value: €6730.48
Retirement Fund Portfolio
The retirement fund is up 4.04%.
Portfolio value: €3279.39
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: €9530.02
Passive income: €22.92
Real Growth/Decline: €249.83
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.
No deposits this month and the portfolio is up 0.85%.
Portfolio value: €379.32
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 good on Mintos.
Portfolio value: €831.96
Passive income: €5.28
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 7 projects on EstateGuru with a 9-11% interest rate.
Portfolio value: €397.73
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.
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: €303
The first three months of 2023 have been really nice for the crypto portfolio, the portfolio is up 10.38% this month. I bought a little more bitcoin and some more Hathor.
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: €4476.81
Bitcoin value: 0.06811221 (+4.17%)
Ethereum value: 1.04747549 (+0.00%)
Total Portfolio Overview
Portfolio value: €26051.58
Passive income*: €22.56
Total growth/decline: €1051.05
Asset growth/decline: €360.55
* This only includes P2P & Dividend
Ideal allocation (January 2022):
- ETF & Bonds: 45%
- Stocks: 25%
- Cash: 0-5%
- P2P-lending: 5%
- Crypto: 20%
Ideas for April
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