November was a great month, we went on a little holiday with the family and we had a big renovation done on our house. Our house has a whole new facade with new isolation and HR++ glass, so we will be warm and cosy all winter! December will probably fly by as well, but I’m really curious about where 2 years of investing will get me. Unfortunately, the stock market seems a little bit overextended so not sure if I will reach the magical 25k this year… fingers crossed!
Capital Growth Portfolio
This month, we saw a little growth of 2.10%. This portfolio isn’t very exciting but the total worth of the portfolio is at a nice number after almost 2 years! Binck Forward rebranded to SaxoInvestor this month.
Portfolio value: €6139.74
Retirement Fund Portfolio
The real growth this month was -0.01%, but I think I will survive. It is actually funny to see that now the stock market corrects, the capital growth portfolio is still in the green and the stock heavier retirement is actually negative like expected.
Portfolio value: €1930.55
Index Fund & Stock Portfolio
My $SNAP buy order hit this month, I wasn’t really planning on buying more because I still expect more correcting, but based on PA it was a nice buy anyway. I bought 10 stocks at $48.26. I will start rebalancing this portfolio a little starting next month, I want 75% stocks and 25% ETFs and cash. If the market drops I will use the cash, but I need a little more diversification and buying power here as well.
Portfolio value: €7109.69
Passive income: €9.50
Real Growth/Decline: €128.31
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.
No comments, just a little decline.
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Portfolio value: €142.18
P2P Lending Portfolio
In November, I will deposit some more on Mintos because I want to keep my P2P percentage at 5%. 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: €702.32
Passive income: €3.24
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 6 projects on EstateGuru with a 10-11% interest rate. My first project got repaid in full, which made me extra enthusiastic about the platform and I will continue to add until it reaches €500.
Portfolio value: €311.90
Passive income: €2.65
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.
The crypto portfolio has been steadily growing again, unfortunately, my Sushiswap has been declining all month and it might become a bad trade/investment. Although, I will keep it for now since the fundamentals of the project haven’t changed and I still expect it to make new highs in the coming months. All in all, the portfolio gained 18.35% this month! I sold some Ethereum at $4500 and I will sell some more at $5000 and I sold some Hathor at $2. I will probably invest €579.99 in some other assets.
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. The BlockFi interest rates have increased again this month, unfortunately, bitcoin is still 4.5%. Celsius is becoming more interesting to test because of this.
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: €8059.51
Bitcoin value: 0.0482735
Ethereum value: 0.68520027
Total Portfolio Overview
Portfolio value: €24519.47
Passive income*: €15.39
Total growth/decline: €1443.09
Real growth/decline: €943.09
* this only includes P2P & Dividend
Ideal allocation (October 2021):
- ETF & Bonds: 45%
- Stocks: 30%
- Cash: 0-5%
- P2P-lending: 5%
- Crypto: 15%
Ideas for December
I’m probably going to cash out some more crypto to bring down the allocation in crypto a little more from which the profits will go to several other assets.
- Nothing new planned