After 9 months of investing, I have accumulated a nice starting portfolio. I’m noticing my strategy (or lack of and/or often changing strategy) is giving me some concerns about the route I’m taking. I need to get a clearer image of the big picture here.
I have a lot of ETF & bonds portfolios at the moment, some single stocks, some P2P-lending and some Crypto. I want to allocate a certain percentage to each asset. Last month the assets were divided as follows:
- ETF & Bonds: 71.2%
- Stocks: 12.9%
- Cash: 2,8%
- P2P-lending: 7.1%
- Crypto: 6.0%
My ideal allocation at this moment is as follows, I think this is safe enough for now since this is just the first year of investing.
- ETF & Bonds: 50%
- Stocks: 30%
- Cash: 0-5%
- P2P-lending: 5%
- Crypto: 10%
Since I’m investing at least €200 in ETF & Bonds each month, I need to up my game in the other departments. I think it’s nice to have a little cash position at all time to be able to buy dips in the other asset categories.
Capital Growth Portfolio
Steady growth in portfolio value, the total return on investment is quite bad at the moment. Only two months left to see the first-year performance!
Portfolio value: €4071.26
Retirement Fund Portfolio
This will be pretty boring to follow in the beginning, will spare you the boring chart for now!
Portfolio value: €391.93
Index Fund & Stock Portfolio
At the end of the month, the market went down a little and I bought some new stocks. As usual, I was too early with buying haha, but I have been eyeing them for a long time, so it is nice to finally build my position in both companies. I bought 13 Slack Technologies (WORK) @ $28.98 and 13 Social Capital Hedosophia Holdings Corp (IPOB) @ $18.20. I’m looking to buy some more stocks next week, will look for nice picks this weekend!
Portfolio value: €2017.26
Passive income: €6.46
Real Growth/Decline: €-94.20
If you want to start investing as well, the platform I’m investing on (DeGiro) currently has a long waiting list, so if you want to start now you should check out eToro.
I had some spare cash this month so I added 50 euros, not sure what is going to be the goal with this app portfolio, nice to increase the spread on the ETF’s I have.
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: €96.72
P2P Lending Portfolio
No comments, just steady growth!
Portfolio value: €540.87
Passive income: €3.33
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.
Most of my position I put on my Ledger for safekeeping, the rest in on a Dutch exchange, called Bitvavo. I choose Bitvavo because it allows me to invest using iDeal which makes it easy for me to deposit euros to the exchange. Also, the fees of the platform are some of the lowest around, which is nice if you want to trade or withdraw your Bitcoin.
This month, we got some Bitcoin because of the CRO Visa Card cashback, and I bought some on Bitvavo. Next month, I will look into a new platform called BlockFi, which allows me to earn interest on my crypto portfolio. I will test the platform with a small amount of my BTC.
After that, I will also test Celsius with a small portion of my investments.
Portfolio value: €451.94
Bitcoin value: 0.03371109
Bitcoin Growth/decline: €0.01877201
Total Portfolio Overview
Portfolio value: €7569.99
Passive income: €9.79
Total growth/decline: €782.22
Real growth/decline: €232.22
Ideas for November
I will keep monitoring the stock market closely for opportunities to increase my stock portfolio and of course, the new crypto asset lending platforms.
- Look into separate pages for the different portfolios beside the monthly updates.