Last two months, the growth stocks I had lost a lot of value, and while I bought these stocks with a long-term horizon in mind, it does hurt to see them lose this much value. So I’m now thinking about a different approach towards growth stocks. I’m currently thinking about some rules for investing in these, like selling half when they have increased 100% in value. Or, in other words, taking out the original investment.
I already had this approach for my crypto portfolio, and I sold some Ethereum taking out my initial investment. Then, I moved these funds to my DeGiro portfolio to get the cash position near positive.
So the bottom line is this month my portfolio took a bit hit because of the crypto part losing a third of its worth. However, since I took out a little more than my initial investment, everything that is left is just riding risk-free.
Capital Growth Portfolio
The real growth was negative this month, still happy with the long-term performance.
Portfolio value: €5202.19
Retirement Fund Portfolio
Steady growth in the pension fund, 0.43% monthly increase.
Portfolio value: €1237.09
Index Fund & Stock Portfolio
This month I moved some of my crypto winnings from last month towards my stocks because it was growing insanely quickly, and I really needed to take some profit there. So the increase in portfolio value is mainly thanks to the big deposit this month.
Portfolio value: €4943.98
Passive income: €0
Real Growth/Decline: €80.53
If you want to start investing as well, the platform I’m investing on (DeGiro), but you can also invest on other platforms like eToro.
No comments, just a little growth!
If you are living in the Netherlands and you are interested in using this platform, send me an e-mail on email@example.com. I will send you the affiliate link to enjoy a €15 signup bonus!
Portfolio value: €133.95
P2P Lending Portfolio
No comments, just steady growth!
Portfolio value: €572.20
Passive income: €3.92
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.
So in March, I started investing in EstateGuru, which is a P2P lending platform specializing in real estate. This means I’m putting in under P2P, but it also increases the real estate exposure in my portfolio. In March & April I deposited €50 and this month I deposited €100.
I’m currently invested in 4 projects on EstateGuru with 10-11% interest rate. I will keep adding deposits to ensure the 5% allocation of my portfolio to P2P if needed until I reach either €250 or €500. At this moment I will probably look for another platform to increase spread or increase my investment on Mintos, since this platform is really steady and working on getting regulated.
I will add a graph later, since it’s still quite boring at the moment.
Portfolio value: €201.75
Passive income: €0.83
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.
This month I sold 0.25 Ethereum on Bitvavo for €818 at a price of ~€3274, so I’m quite pleased with that profit. Unfortunately, the rest of the portfolio experienced a huge drop, but we are still up by a lot. So far, this is definitely the portfolio with the highest ROI and taking out the €818 means my initial investment is out.
I might start investing again if we are dipping even lower, but for now, I want to scale back the percentage crypto has as a total portfolio.
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. This is a little lower than BlockFi, which has 5.0%, but I like to spread my crypto over different platforms. Celsius is still on my list to test. However, first I want to use the other platforms for a while.
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: €3632.47
Bitcoin value: 0.04361177
Ethereum value: 0.82898484
Total Portfolio Overview
Portfolio value: €16026.76
Passive income*: €4.74
Total growth/decline: €-1831.26
Real growth/decline: €-2331.26
* this only includes P2P & Dividend
Ideas for June
This month I want to dive into the free selection of ETF’s on DeGiro to bet on trends I see having a bright future since I am noticing I’m short on time looking into separate growth stocks. I do, however, want to keep expanding my dividend stocks.
- Nothing new planned