This is my fifth Quarterly report. You can check out my previous quarter report and I hope you enjoy my current Portfolio Quarterly earnings report quarter 4 2020.
The idea of this post is to show my active and passive income streams and highlight the profit and loss statement, the investments done and the returns. In parallel to this, I will mention the challenges faced and the decisions I took to overcome them.
If you are reading an older post, but want to check my progress towards my goals, then you can check my passive income goals or just check out my monthly updated portfolio. If you are interested in the passive income article, just click passive income in the menu.
Contents
Active Income
Consulting Firm – My consulting services
As you may know from my previous report, the revenue and scope of my business is not something that I am currently comfortable to disclose. This is still my bread and butter (>90%) of revenue and I must respect my customers and my company’s confidentiality.
The main update on this is that after I had a decrease of 40% in my income, now I am working for 2 clients in parallel with a 60-40 split of income between them and I am still able to keep my income stable. The aim to cut costs is still there, but struggling to actually cut them. My current aim is to find better ways to reduce my fixed costs on a monthly basis while further reducing down the mortgage.
On this area, I have reduces SEO and domain costs with a total expense of 118 EUR for the last 3 months. This is ~158 EUR less than the prior quarter and I am happy with how much it went down. I will continue with minimal business promotion and improvements and I hope that I will find some more time to put into my YouTube channel as all my articles that have associated You Tube videos improve my consulting firm blog SEO where I had 3270 clicks and 4500 sessions.
As for my eBook sales, since I transferred to PayHip I have a profit of 9.99 EUR and managed to get the below statistics for this quarter. This is 1 more sale versus the previous quarter performance. The overall summary over the year is as follows:
Personal Blog
I still have no revenue from the blog. This is currently only generating a cost which I expected as the initial investment. I am still keeping this blog separate from my main business one and as I do not have a proper reader base for now (27 subscribers, a +5 increase from last quarter). I do not expect to gain revenue from the blog, but I hope to start increasing the number of readers during the next months.
By the way, I stopped posting progress on the weight loss as I did not do anything relevant there. I need to shape up and start fixing that soon.
The total cost for the blog was of 0 EUR for this quarter and I intend to keep it close to this figure. I had +100 clicks and +846 sessions versus the last quarter. Extremely small for a blog.
| What | EUR | Comments |
| Ads | 0 | No ads on blog for now |
| Affiliate | 0 | Nothing so far |
| Donations | 0 | No donations button on blog for now |
| Total Revenue | 0 |
This means that I am currently at a loss of 148 EUR with my company’s website and personal blog for this quarter, this is a cost reduction of 250 EUR compared to the previous report. All I can say is that my domains are paid for and my SEO is gradually slowing down for both.
Passive Income
Paying off Debt
As you remember from my active and passive income streams article, I consider paying off debt a good part of my passive income. Why? Simple – reducing the amount paid in loans increases the amount invested.
There was no further prepayment on the mortgage this quarter, but the money is there and waiting. Due to the pandemic, we decided to play it safe and further wait with prepayment on the mortgage until things are a little bit more stable.
The only change here is that we are preparing a 20,000 EUR down payment for 2021 and we might be extending our yard, which will incur a cost of ~30,000 EUR on top.
Stock and ETF investments
The core of my passive income is my investing. This is the area towards which I want to allocate most of my savings and go long. As my strategy is buy and hold, I can easily flag this under my passive income stream. During this quarter I added some stocks to my portfolio and exited some. I am logging all my EXITED stocks in my portfolio. The market is now up, sincerely, more than I expected and I have a total profit of 5978 EUR since last quarter on stocks and ETFs.
As for Etergo, the low suit is till work in progress and I have no idea if I can recover part of the 4167 EUR loss that I have there. Maybe something will happen, but I do not expect it.
Venture Capital investments
| Symbol | Position | Currency | Market Value |
| Carwow | 447 | GBP | 1,500 |
| Total | EUR | 1643 | |
| vs previous Q | EUR | – |
Single Stocks and ETFs
All the latest updates are in my portfolio and you can see it there. Main difference between last quarters is a profit of 5978 EUR. This quarter list is below:
| Symbol | Currency | Market Value |
| 2343 | HKD | 5840 |
| 36BZ | EUR | 1256 |
| 4GLD | EUR | 2459 |
| AAPL | USD | 5309 |
| AMD | USD | 1833 |
| AEO | USD | EXITED |
| AIR | EUR | EXITED |
| ATVI | USD | 1860 |
| BABA | USD | 2312 |
| BCHN | EUR | 1455 |
| BIDU | USD | 2162 |
| BMW | EUR | EXITED |
| BRYN | EUR | 3743 |
| Carwow | GBP | 1500 |
| CGG | EUR | 151 |
| CLF | USD | EXITED |
| COKE | USD | 2663 |
| CSEMUS | EUR | EXITED |
| CSSPX | USD | EXITED |
| CVET | USD | 862 |
| DPW | EUR | 1215 |
| DRO | AUD | 1360 |
| EQQQ | EUR | 3074 |
| EXK | USD | 513 |
| EXS3 | EUR | 1038 |
| FCU | CAD | 539 |
| FCX | USD | EXITED |
| GCM | CAD | 339 |
| GILD | USD | 580 |
| GLUG | EUR | 1641 |
| HEAL | EUR | 168 |
| HLX | USD | 674 |
| INRG | EUR | 313 |
| ISPY | EUR | 964 |
| IWDA | EUR | EXITED |
| LOCK | EUR | 1438 |
| MCD | USD | 1287 |
| MEUD | EUR | EXITED |
| MRVL | USD | 1190 |
| MSF | USD | 3657 |
| MTCH | USD | 756 |
| MVOL | EUR | EXITED |
| NCU | CAD | 725 |
| NEE | CAD | EXITED |
| NESN | CHF | 1043 |
| PVG | CAD | 306 |
| RADA | USD | 2438 |
| SAP | USD | 2640 |
| SXRS | EUR | 1973 |
| TDW | USD | 285 |
| TNOW | EUR | 2886 |
| UNIC | EUR | 1340 |
| URG | USD | 446 |
| UUUU | USD | 989 |
| WCLD | EUR | 867 |
| WSML | USD | EXITED |
| XOM | USD | 824 |
| Cash | CHF | 18 |
| Cash | EUR | 4247 |
| Cash | HKD | 84 |
| Cash | USD | 1097 |
| Total Invested | EUR | 56161 |
| Total Market Value | EUR | 65751 |
P2P Lending
I am still keeping my previous point that during the COVID-19 pandemic the P2P lending is not the best way to go. I have noticed that governments tend to lower interest rates and try to boost the economy, thus this may not be the best for the next ~2 years. Due to this, I am currently holding any investments into P2P until late 2021. I want to see how things move through the winter for my existing investments in Mintos and Crowdestate.
I am still waiting for the bankruptcy investment that I have with Crowdestate as the proceedings were delayed several times. Looking forward to see how this ends up.
The below are the overall statistics, but when comparing to the previous quarter, this one I made 50 EUR. Please keep in mind that this is after I pulled out of P2P lending.
Affiliate marketing
At this point in time I do not have the actual time, nor the willingness to invest a lot in affiliate marketing. The only improvements I have done here was to add some banners on the side bar for P2P lending, Hosting and Fiverr. You can check them out or you can just go to my Resources page to see all the items for which I am an affiliate.
YouTube videos
Last, but not least is YouTube. I have already hinted to this in a previous chapter, but I am happy to say that I have a total of 109 (+2 since last quarter) subscribers and 228 public hours of videos.
Stagnating on my cats instagram page, but if you love cats and want to check them out, just go to Amazing5Cats or just check out the image at the end of the post.
Conclusion
In order to conclude my Passive Income Portfolio Quarterly earnings report for Q4 2020, I have listed below the overall profit and loss across all mentioned segments.
| + | – | |
| Company | 0 | 1540 |
| Blog | 0 | 187 |
| VC | 0 | 4167 |
| Stocks/ETFs | 14169 | 0 |
| P2P Lending | 1950 | 0 |
| eBook | 69 | 0 |
| Course | 0 | 0 |
| Affiliate | 0 | 0 |
| YouTube | 0 | 0 |
| 16188 | -5894 | |
| Bottom Line | 10294 |