My financial portfolio

On this page you can see my passive income financial portfolio as I update it on a monthly basis. Here you can find the good, the bad and the ugly parts of my financial journey. If you are interested in the approach for my portfolio or in my financial goals and intended portfolio there are other pages which you should check out on my blog.

As this is just a snapshot of a current point in time from my financial portfolio, I would recommend that you check out my quarterly earnings reports from my passive income journey.

Real-estate portfolio

As we will not consider our house (still with a mortgage), I will only list any other properties besides our residence. Currently we have an apartment that we intend to sell in 2021 or swap for something cheaper and use the surplus to further reduce the mortgage on our house.

Invested Mortgage Est. Value Profit
32000 38000 70000 0

 

P2P portfolio

Originally I started with approximately 15,000 EUR invested in P2P lending across two platforms: Mintos and Crowdestate. Currently I have withdrawn most of the money when COVID-19 hit in March 2020 and I am planning to drop Crowdestatein 2021 and move completely to Mintos . I just hope that the 3 investments left in Crowdestate(all bankruptcies) will recover something that I can then move.

The Internal Rate of Return (IRR) is appalling due to these bankruptcies and due to the secondary market taxes when I pulled out of P2P due to COVID-19 hitting Europe.

P2P Lending Invested Withdrawn Still Invested Profit % p.a. IRR
Mintos 8000 -7120 1909 979 7.38%
Crowdestate 7040 -5636 1766 112 4.43%
Total Invested 15040 -12756 3660 1361  

 

Stocks and ETFs portfolio

I am thinking that it would make most sense to split this into two: realized and unrealized. As I continue to invest, but sometimes also exit some positions, I will try to reflect the below via some simple notes as per the exports that I get from my Interactive Brokers account.

Before I go into the stocks and ETFs, I have two venture capital investments, out of which Etergo is a huge loss. Currently there is a law suite pending to see if the Etergo sale to OLA was a fraud or not, but I doubt that I will recover the loss. I will keep you posted in my articles here.

Platform Company Shares Paid Sold PnL
Crowdcube Carwow 464 1650   0
Etergo Etergo 13350 4405 226 -4179
Total 6055 226 -4179

Fortunately when we talk about stocks and ETFs bought via Interactive Brokers platform, things look better. For the profit and loss (PnL) that is already realized, I have the below:

Asset Category Symbol Realized PnL
Forex AUD 24
Forex CAD -12
Forex CHF -4
Forex GBP -1
Forex HKD 0
Forex NOK -6
Forex USD -257
Stocks ATVI 824
Stocks BABA 858
Stocks BIDU 1178
Stocks CVET 494
Stocks DPWd 447
Stocks EXS3d 182
Stocks AEO -13
Stocks AIRd 122
Stocks BMWd 13
Stocks CEUS 82
Stocks CLF 283
Stocks CSPX 1559
Stocks FCX 789
Stocks IWDA 210
Stocks MEUD 41
Stocks MVOL -87
Stocks NEE 292
Stocks TLRD -349
Stocks VOD 30
Stocks WSML 258
Stocks GILD -108
Stocks MRVL 190
Stocks MTCH 272
Stocks SAP 253
Stocks CGG 30
Stocks EQQQ 1315
Total 8907

And now, if we look at what is not yet realized, fortunately for me, I am still at a plus:

Asset Category Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stocks AUD DRO 8000 886 1240 354
Total in EUR 573 802 229

 

Asset Category Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stocks CAD FCU 1400 389 728 339
Stocks CAD GCM 42 186 226 40
Stocks CAD NCU 5000 852 875 22
Stocks CAD PVG 21 190 273 83
Stocks CAD SCOT 2500 754 475 -278
Total in EUR 1564 1749 140

 

Asset Category Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stocks HKD 2343 4000 4783 8400 3616
Total in EUR 515 921 396

 

Asset Category Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stocks USD AAPL 40 1779 4886 3106
Stocks USD EXK 500 1953 2480 526
Stocks USD HL 200 1157 1138 -19
Stocks USD HLX 500 1636 2525 889
Stocks USD RADA 250 1048 3002 1954
Stocks USD SAND 300 1950 2040 90
Stocks USD URG 550 278 605 326
Stocks USD UUUU 240 360 1363 1003
Total in EUR 8488 15378 6715

 

Asset Category Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stocks EUR 36BZ 1250 7101 6437 -663
Stocks EUR BCHN 20 1454 2178 724
Stocks EUR BRYN 40 7608 8756 1147
Stocks EUR CNDX 12 614 7568 200
Stocks EUR ESP0 50 1832 1770 -61
Stocks EUR GLUG 150 1639 1856 217
Stocks EUR HEAL 225 1960 1866 -93
Stocks EUR INRG 120 1393 2350 87
Stocks EUR IS0C 50 1745 1951 206
Stocks EUR ISPY 90 1811 1765 -45
Stocks EUR LOCK 325 1905 1952 47
Stocks EUR SXRS 500 1823 2220 397
Stocks EUR TNOW 10 3148 8294 1437
Stocks EUR UNIC 500 7669 6780 -889
Stocks EUR WCLD 40 1847 1615 -231
Total in EUR 45935 57364 2481

 

Cryptocurrency

I started with crypto, with with some small stakes. One of them went really well as you can see below:

Coin Currency Symbol Quantity Cost Basis Value Unrealized P/L
Stellar EUR XLM 1500 374 577 203
Elrond EUR eGLD 61 1647 9150 7503
Total in EUR 2021 9727 7706

 

Emergency Fund

This is the, “so that we can sleep well at night” investment. It generates nothing, but we sleep better. Ideally we want this to be 100000 EUR, but that is overkill right now. Even the 50000 EUR that we currently have stored seems a bit much, but this also includes 10000 EUR which is my little brothers emergency fund.

 

Last updated on: 03/04/2021