Stock Portfolio Update May 2020

Investment Portfolio update May 2020

Hello everyone with an Investor’s Mindset!

After a couple turbulent months earlier in the year followed by two months of not writing the blog, I decided it’s time for a change.

Over the last three months I kept track of my P2P portfolio, taking screenshots at the 1st of every month to track the progression. It’s not moving much due to a lot of payment schedules being postponed because of the crisis. So I made in 3 months as much as I would have otherwise in 1 month (pre-Kuetzal & Envestio schandals).

So what have I done since the last update? Well a couple of things:

  • Staying safe & staying at home
  • Finished a huge project at work with a tight deadline whilst working from home. As this took a lot of my time (usually 14 hour working days) I just didn’t feel like blogging
  • Focused more on stock investing, which means I have right now €34000 of my own money invested in individual stocks. I’m in the red, but that’s fine as this is also a long-term dividend investing strategy
  • Started withdrawing most of my money out of Robocash. Whilst I believe in the platform and might consider going back -> I don’t think their buyback of the delayed loans is not sustainable in the longer term. And we all know this crisis could continue for a good while. I just don’t see them having enough money to cover everything for their investors
  • Teaching myself with paper trading how to daytrade (scalping)

Time for a change

Which means my investment portfolio has changed a lot recently. Taking a big hit in P2P means now that everything related to stocks is worth 4x more than my crowd investments.

Therefor I think it’s time I start showing you my dividend investing portfolio instead of my P2P investments, and maybe only do a once per year update on my P2P investments. Looking at the updates starting from January this year, I’m actually surprised that I managed to find €15000 in five months to invest in the stock market. I guess my savings accounts suffered slightly because of it. But I still have a couple of months’ salary as reserve fund there so it should be all fine. Always keep that in mind, don’t overinvest just in case. And never invest what you can’t afford to lose.

Diversified Stock Portfolio May 2020

Stock investing

Seeing as I invest in large companies with a nice dividend, I’ve now broken €1500 in dividend payments per year, of which more than half of that is tax-free (per person). I’m quite happy with that, no matter what the market does! The portfolio has been hit only with a couple of dividend cuts so overall I’m very happy that most keep going strong.

So above is a first look at my portfolio. It’s a mix of European, US and Asian stocks. I’ve also tried to expose myself to as many markets as possible to keep a good diversified spread.

Below is my full list of stocks. I’m down still on most of them since I did most of the purchases last year and I’m trying to average down now each month:

Current value (including dividends & tax returns): €30,899.21

Dividend stock portfolio May 2020

Dividends

The list is sorted on Dividend payment date, in case you were wondering, with this week NN, Orange & Pfizer incoming.

As you see I’m still down on most stocks. I do purchases every time with around €1000 plus the dividends I receive. The biggest torn in the portfolio is currently Wereldhave. Which makes sense as Mall REITs were hurt badly by the Covid-19 situation and they’ve paused their dividend. I’m sure all other stocks will eventually come back to the green. And in the meantime I’m just collecting the dividend payments.

For now I’ll try to keep investing whenever I receive my salary in the stock market. I also guess it only makes sense that I document this on the blog. No affiliates really connected to this – but that doesn’t matter. I keep this as a blog of my investment journey and I hope you like coming on this journey with me.

One affiliate program I’m still a member of I would like to mention. For all of us who sometimes send money internationally, Transferwise is a great, low cost option. So surely I can recommend you take a look and save a lot on bank/transfer fees + get a better conversion rate at the same time.

To end with, I’ll leave you with my most favorite website for tracking the stocks: Seeking Alpha.

They are not the best for tracking European stocks but therefor I use Google Finance and a Belgian website.

Take care, stay safe & speak soon!

Kind regards,

Ken

Invest in the stock market now

Peer to Peer Lending: Portfolio update Feb 2020

Hello everyone with an Investor’s Mindset!

The saying “when it rains, it pours” comes to mind if I have to sum up my investments so far in 2020. After losing €4000 on Kuetzal and Investio during January, the stock market market panic in February made my portfolio drop by another €3000.

But hey – all in all I see this as a good thing. It gave me perspective on how risky these alternative investment methods like P2P and crowdlending are. On the other hand I think it’s great the market went on sale right now as it made me invest another €6000 into my stock portfolio bringing up the total to €25000 invested there now. But first, my interest via Crowdinvesting for February;

February 2020Received interestAccount Value
Total (€10.000 start)€62,67€7273,10
Mintos€14,89€1247,04
Robocash€7,15
€1209,12
Crowdestor€25,43
€2943,42
Grupeer€12,26€1261,71
Reinvest24€2,94€611,81

(more…)

Crowdlending Portfolio Update January 2020

Peer to Peer Lending: Portfolio update Jan 2020

Hello everyone with an Investor’s Mindset!

This is an update that I didn’t feel like writing due to the recent events in the P2P space. However I do feel, as a blogger, we need to write about the good and the bad. And when it rains, it pours if we look at both Kuetzal and Envestio in January.

Both platforms have been confirmed scams or Ponzi schemes recently. Kuetzal nearly on all loans, Envestio at least at some. In the mean time both platforms have completely gone offline and disappeared without additional communication.

That makes my table look a little something like this;

January 2020Received interestAccount Value
Total (€10.000 start)€73,06€7210,43
Mintos€16,67€1232,15
Robocash€14,77
€1201,97
Crowdestor€26,60
€2917,99
Grupeer€12,08€1249,45
Envestio€0,00
-€3000
Kuetzal€0,00-€1000
Reinvest24€2,94€608,87

(more…)

Breaking news: Kuetzal announcing a wind-down

Dear all,

Unfortunately all Kuetzal Investors have received the following e-mail today;

Dear Kuetzal investor,

Our team wants to apologize for delays in payments and replies to e-mails received.

Unfortunately we have to inform that Kuetzal is announcing wind-down, furthermore the company will only process withdrawals of the funds, the company is no longer accepting new project applications, investors registrations and deposits. Company’s reputation was harmed sufficiently for the past weeks, and Kuetzal management does not see a way to recover investor’s activity, therefore we may not return to usual working process. The mission of the company may not be reached anymore. 

Due to high number of reports, claims and negative messages SEB Bank and PAPAYA (the only two banks that Kuetzal used) initiated the AML check and has temporarily blocked Kuetzal’s bank accounts. Kuetzal is currently unable to perform any operations for undefined period. Kuetzal management is aiming to reestablish the activity of both operational bank accounts and perform buy-backs and withdrawals in shortest terms respectively.

Kuetzal will keep the investors informed.

We have not been able to make Kuetzal a successful player on crowdfunding market. We will however aim to exit the market quietly with minimum repercussion to our customers and the whole crowdfunding market. The website functions furthermore will be limited, only the user area will be kept. All the user area functions will continue working as before.

In case of technical issues with withdrawals or other question we kindly ask to use our contact mail instead of social networks or cellphone to receive the fastest service.

Kuetzal’s e-mail: info@kuetzal.com

I guess it was about time this house of cards came crashing down after the most recent news. I’m sad to see it happen, but guess it was to be expected. I’ve initiated a 3rd reminder on my initial email to them on 25 December. So we’ll see if they actually follow-up well on winding-down respectively as they announced.

This shows the risk involved, 20% returns are almost too good to be true and here is a good example.

I’ll keep you updated about the withdrawal process.

Kind regards,
Ken

 

Edit 14/01/2018 – Kuetzal responded to my e-mail. So far I was able to withdraw €1001,05 from their platform. I still have €100 in the Alborg Petrol project… so still curious to see what will happen with it. I’ll update again when the funds arrives on my bank account.

Kuetzal wind-down bancrupt withdrawal 2020

Kuetzal wind-down bancrupt withdrawal 2020

Review Alternative Investing 2019

Peer to Peer Lending: Portfolio update Dec 2019

Hello everyone with an Investor’s Mindset!

What can fly but has no wings? The answer is… Time. Time doesn’t wait for anyone, which has already led us into a new year and a new decade. Happy New Year everyone! I enjoyed time with friends and family… or friends who became family. I hope you all had great holidays and I wish you the best in 2020. Especially financially.

For investors, time is usually our best ally. As with time money will make money, even whilst we are asleep. I had to work this week, therefore the update in this new year is a bit delayed. I have however taken all screenshots on the 31st of December. So without further ado, here are the numbers;

December 2019Received interestAccount Value
Total (€10.000 start)€124,79€12118,67
Mintos€9,27€1215,48
Robocash€15,56
€1187,2
Crowdestor€25,43
€2891,39
Grupeer€11,87€1237,37
Envestio€40,51
€3799,46
Kuetzal€19,21€1181,84
Reinvest24€2,94€605,93

(more…)

Fintech Alternative Investments November 2019

Peer to Peer Lending: Portfolio update Nov 2019

Hello everyone with an Investor’s Mindset!

Good morning! Always nice to be all relaxed when coming out of bed on a Sunday and write some for the blog. Happy December everyone… already the last month of this year. That just seems too fast.

But hey! I’m not complaining, every month we have interest payments incoming and basically all I have to do is sit back to watch it happen and eventually have compound interest take over. OK sometimes I need to manually perform some actions, but that keeps it fun and is not a chore at all.

As always please allow the numbers to speak for themselves;

November 2019Received interestAccount Value
Total (€10.000 start)€165,29€11993,88
Mintos€15,90€1206,21
Robocash€9,91
€1171,64
Crowdestor€45,91
€2865,96
Grupeer€15,03
€1225,50
Envestio€56,39
€3758,95
Kuetzal€19,21€1162,63
Reinvest24€2,94€602,99

(more…)

Investors Mindset Crowdlending Portfolio Update October 2019

Peer to Peer Lending: Portfolio update Oct 2019

Hello everyone with an Investor’s Mindset!

Good morning! Luckily I have a day off today so I have time to write the blog in a very relaxed state. I hope everyone had a nice Hallows’ Eve. October being my birth month means of course spending quality time with friends and family. Always good to know that whilst I’m spending a bit more than usual on the occasion, a decent amount is also coming in without me having to work for it thanks to crowdinvesting!

October 2019Received interestAccount Value
Total (€10.000 start)€144,00€11.828,59
Mintos€10,16€1190,31
Robocash€7,85€1161,73
Crowdestor€37,47€2820,05
Grupeer€13.45€1210,47
Envestio€52,92€3702,56
Kuetzal€19,21€1143,42
Reinvest24€2,94€600,05

(more…)

Crouwd-Investing is the way to have the world in the palm of your hand!

Peer to Peer Lending: Portfolio update Sep 2019

Hello everyone with an Investor’s Mindset!

How is everyone doing? The weather is slowly changing here in Belgium and to be honest I’m not a fan of the cold upcoming months. At work it’s also pretty hectic and busy… But whenever I look at my portfolio I get happy to see that my money is working for me and gaining interest even when I sleep or not working! Got to love that feeling.

September 2019Received interestAccount Value
Total (€10.000 start)€81,10€11.709,01
Mintos€4,26€1180,16
Robocash€10,25€1153,88
Crowdestor€15,52€1782,58
Grupeer€13.06€1197,02
Envestio€44,17€3649.64
Neo Finance€-28,32
€1024,41
Kuetzal€19,21€1124,21
Reinvest24€2,94€597,11

(more…)

Beat your bank by investing this way

Peer to Peer Lending: Portfolio update Aug 2019

Hello everyone with an Investor’s Mindset!

Due to a busy weekend, and nearly the end of the summer holidays, I’ll keep the update for this month nice and short.

I’m however trying to always post on the 1st of each month, so here we go with the numbers first;

August 2019Received interestAccount Value
Total (€10.000 start)€184,98€11.627,91
Mintos€15,50€1175,89
Robocash€8,13€1143,63
Crowdestor€75,00€1767,06
Grupeer€12,81€1183,96
Envestio€54,13€3605,47
Neo Finance€-0,77€1052,73
Kuetzal€17,50€1105,00
Reinvest24€2,68€594,17

(more…)

Envestio Review 2019

Envestio – My experience after 1 full year on this crowdlender.

Envestio was actually my most favourite platform after being only a little while into Peer To Peer Lending. Based on that, it was actually my very first platform to write a review about on the 15th of August 2018.

So exactly one year later I thought it would be a great time to update my opinion.

Is it still my favourite platform in my portfolio? No it isn’t, but that is mostly due to its own success. And to be fair, it is a close second. If they can clean up some of the issues they’ve been having recently, then I have no doubt in a nice future for them as a crowdlender.

Envestio is still the platform I have the most invested in; €3000, with a total value now of €3562,79. I’ve actually started on 02/07/2018 with only €1000 and added another €2000 on 07/11/2018. Which means at this rate I should reach a clean €1000 euro profit during spring of 2020.

I don’t think there are many other forms of investment that can achieve this in such a short amount of time. It’s even still crazy for me when I see those return numbers every month, which is averaging slightly above €50 on only (?) a €3000 investment.

(more…)

Affiliate Links

Thank you for supporting my blog signing up through these referral links:
Investing with: Mintos
Investing with: Robocash
Investing with: Crowdestor
Investing with: Grupeer
Investing with: Reinvest24

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