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Portfolio update April 2021

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund review

Dear fellow investors, friends, family and future self.

April was the month where I started to look more seriously into the world of crypto currencies. I’ve been following the sector on the sidelines since 2015 but I’ve always seen crypto as pure speculation. I see myself as an investor, not a speculator. For this reason, I’ve held a small amount of coins to test the technology but never invested larger amounts.

However, some things have improved during the last year, which has changed my view a bit: Continue reading “Portfolio update April 2021”

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Portfolio update March 2021

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund review

Dear fellow investors, friends, family and future self.

It’s April 8th today. According to the calendar it should be spring. Nature in Denmark doesn’t seem to agree though, we had hail and snow just yesterday. I can’t wait to move back to the warm and sunny climate in Portugal. Seeing the sun on a daily basis gives a huge burst to my well being.

My investment property #3 was bought on March 15th as planned. We live in the property while it’s being renovated. It’s not ideal, we don’t even have access to our own shower. But we manage and find alternative solutions. It’s a good way to save some money along the way.

I think I finally found a tenant for the apartment that has been vacant since March last year! We have a verbal agreement and I expect the tenant to move in on April 15th. It took about 6 months to finish the renovation of this apartment (due to Covid-19 and other factors) but 1 year vacancy is way too long.

In March I decided to withdraw a portion of my crowdlending portfolio, primarily because I want to see if I can earn better returns on the stock market. As a result my portfolio is much more balanced now, as you can see on my “Net Worth” page. I now have about 1/3 in crowdlending, 1/3 in stocks and 1/3 in real estate. I’m much more comfortable with this allocation.

Continue reading “Portfolio update March 2021”

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Portfolio update February 2021

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund review

Dear fellow investors, friends, family and future self.

March has arrived and spring is just around the corner. I can’t wait to feel the heat of the sun and walk barefoot outside!

I’m in the process of revamping this blog. My goal is to provide better value with less information. As I’m investing more and more into equities that doesn’t produce monthly cash flow, I think it makes sense to track my net worth instead of cash flow. This will also give you full insight into my economy including cash and stocks. My first goal is to reach 1 000 000€.

I will soon create a table which shows all my stocks, incl. buy date, buy price, ticker, exit date etc. Until then, make sure to follow me on Twitter @FinanciallyFr33 to get alerts when I make changes to my stock portfolio.

Some good news: Investment property #3 will be added to my portfolio on March 15th. Continue reading “Portfolio update February 2021”

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Portfolio update January 2021

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund review

Dear fellow investors, friends, family and future self.

First month of 2021 has passed! Time flies when you’re having fun, doesn’t it?

I’m thinking about revamping this blog. I’ll continue doing the monthly updates but it would be nice to bring more value in a shorter post. As a first step to cut down time spent doing these updates, I’ve deleted the savings rate and removed the monthly quote.

Next month I might not put the individual “monthly earnings graphs” into the update. They’ll still be available on individual pages in the Crowdlending menu. Maybe I’ll also delete the investment history and replace it with a page that shows the stocks I buy, entry point, target price for selling etc.

I spend most of my days following the stock market and searching for good investment opportunities, so I think it makes sense to bring more of this into the blog.

A friendly follower reached out and suggested that I could make a graph which shows the difference between deposited value and account value. It’s a great suggestion and I’ll probably make it. Any other ideas or suggestions? Let me know in the comments below!

Continue reading “Portfolio update January 2021”

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Portfolio update December 2020

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund review

Dear fellow investors, friends, family and future self.

2020 was an eventful year. We spent half if it in Portugal and we loved it even though if was different than usual due to global lockdown. If everything goes as planned we will be back in the warm climate in the second half of 2021.

Last year was also the first year of not being an employee. Even though I had a good job and a great employer, I can’t say I miss the daily 8-16 routine. While I’m not stressed by work anymore, I must admit that financial stress from not having a fixed paycheck coming in every month is more significant than I expected. We’re better off financially than 1 year ago so I guess I shouldn’t be worried. Maybe it just takes some time to get used to?

Income from Crowdlending is on the rise again. I hope this trend continues as the Covid-19 vaccine is being distributed and businesses slowly will be able to operate on a closer-to-normal basis.

4 platforms in my portfolio made it through 2020 without any change in performance to investors, even in the times of a global pandemic. Those are Swaper*, Robocash*, PeerBerry* and ReInvest24*. Kudos to them!

I’m in the process of buying a 3rd property. Read more in the real estate section near the bottom of this post.

Continue reading “Portfolio update December 2020”