November 2022 Monthly Investment Report

So apparently, I was so busy last month that I missed the portfolio update for the first time ever. A lot has been happening in the markets, mostly bad stuff. Even as I’m writing this, the second-largest crypto exchange in the world (FTX) seems to have collapsed.

Capital Growth Portfolio

We saw a 1.73% increase in portfolio value in October.

Portfolio value: €6313.73
Deposits: €100
Growth/decline: €205.80

Retirement Fund Portfolio

Compared to October, we are up with a mere 0.54%, but at least it’s some recovery from an abysmal last month!

Portfolio value: €2566.69
Deposits: €100
Growth/decline: €113.17

Index Fund & Stock Portfolio

I’ve bought two different stocks in the past two months, META and T, I’ve expanded my AT&T position to gain more dividends. Meta Platforms Inc was one of the stocks I always wanted to add, but felt was too expensive at the time, I’m happy buying it around these prices though.

  • 5 Meta Platforms Inc (META) at $94,01
  • 25 AT&T Inc (T) at $15,97

I’m a bit heavy on stocks, so I’m trying to buy some ETFs or add cash. However, I feel sitting on cash is a waste with the markets this low.

Portfolio value: €8224.63
Deposits: €200
Cash: -€2700.32
Passive income: €3.74
Real Growth/Decline: €717.61

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 2.24%

Portfolio value: €250.2
Deposits: €0
Growth/decline: €5.47

P2P Lending Portfolio

Mintos

Steady growth as always, 0.66% 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: €807.01
Deposits: €0
Passive income: €5.21

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: €385.76
Deposits: €0
Passive income: €0.32

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.

Corekees

This month, I started investing in trees. I was looking for a way to reduce my carbon footprint while increasing my portfolio value. In the first couple of years, there is no ROI because the tree needs to grow. The project’s duration is 20 years, with an average ROI of 7.8%. This seems pretty good. I’ve started with one tree per month at €22.50. I might scale if I feel good about the platform or if new projects are launched.

Portfolio value: €22.50
Deposits: €22.50

Crypto Portfolio

October was a green month for the portfolio, with 18.71% growth. I rebought some ETH and BTC in the last 2 months but haven’t invested any new money. I will probably start doing so because the price will probably tank more in the coming weeks.

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: €3183.72
Bitcoin value: 0.057397023
Ethereum value: 0.95757987
Deposits: €0
Withdrawals: €0
Growth/decline: €501.87

Total Portfolio Overview

Portfolio value: €21888.08
Deposits: €422.50
Withdrawals: €0
Passive income*: €8.49
Total growth/decline: €1771.33
Asset growth/decline: €1271.33

* This only includes P2P & Dividend

Ideal allocation (January 2022):

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

Ideas for December

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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