Wednesday, February 1, 2017

Month summary: January 2017



At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.

Passive income total: 153,6 EUR

Stocks- 60,61 EUR

OHI 3,04 USD
MAIN 18,87 USD
HCP 13,27 USD
MO 20,74 USD
O 9,47 USD

P2P lending-
Mintos- 68,8 EUR
Bondora- 7,42 EUR
Viventor- 0,8 EUR

Real estate crowdfunding-
Estateguru- 0 EUR

 Other investments- 16 EUR

Savings from income 94,4%

Short summary:
From 2017 I have a bit more free time as I work only part time (60%) on my main previously full time job. This means 40% less earned from that job. I cant invest as much as previously but the extra free time is worth it, Ive been grinding 7 days per week for a few years now and its time to slow down. Plan is to work only 20h per week soon, at the moment its a bit over 40 I think and it used to be over 60h....
Even if I dont add any extra money to my investments I should be easily able to retire 100% before the age of 30 by just reinvesting the interests, but I will keep adding more money to do it sooner :)

Wednesday, January 11, 2017

Month summary: December 2016



At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.

Passive incomes:
Stocks- 252 EUR 

MAIN 25,9 EUR
CVX 16,5 EUR
F 16,59 EUR
IBM 19,17 EUR
SFG1T 120 EUR
TGT 14 EUR
FLO 25,77 EUR
KO 14,07 EUR

P2P lending-
Mintos-  71,32 EUR (6528 EUR on platform)
Bondora- 9,33 EUR (1067 EUR on platform)
Viventor-  0,8 EUR (53,69 EUR on platform)

Real estate crowdfunding-
Estateguru- 20,12 EUR

Other investments: 16 EUR

Total passive income: 367,59 EUR

Savings from income 92,7%

Short summary:
Month went by really fast and theres not much to say about it. Stock prices are getting really high again and its hard to find any attractive enough prices to buy. REITs are still quite attractive though, I managed to grab some shares of Realty Income, its really nice that they pay dividends every month.
Apart from the stock buy I didnt add any extra money anywhere else.
Overall the month was great as I managed to save a bit more than usually and the passive income was above average :)
I still havent used my car and keep on using my bike for transport which helps to save a lot more money and make me healthier.


Tuesday, December 13, 2016

Stock buy! O

Just got myself 55 shares of Realty Income Corporation (O) at the price of 55,95 USD per share. This buy will add 133,1 USD to my annual dividend income! Another cool thing about O is that it pays its dividends monthly.


Tuesday, December 6, 2016

Month summary: November 2016



At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.

Passive incomes:
Stocks-  During the election prices dropped and I made 2 buys in the month:
40 shares of ABBV at the price of 53,48 EUR per share and I increased my position in OHI by buying 62 more shares at the price of 26,6 EUR per share, this buy helped me to average down the average price for the stock.

Dividends received:

AAPL 7,6 EUR
OHI 33,2 EUR
MAIN 10,4 EUR
OKE 18,2 EUR
HCP 15,41 EUR
STON 16 EUR

Total - 100,21 EUR

P2P lending- Didnt add nor withdraw any money, just reinvested the interests.
Mintos- 71,3 EUR (portfolio 6441 EUR)
Bondora- 8,55 EUR (portfolio 1075 EUR)
Viventor - 0,6 EUR (portfolio 53,17 EUR)

Real estate crowdfunding-
Estateguru- Didnt add nor withdraw anything, still waiting for my 2 loans to be paid back. Date for payment is around May-June.

Other investments: 32 EUR

All passive incomes combined: 213,26 EUR

Savings from income 88%
Stock portfolio market value 42513 EUR
Total value of portfolios combined 50532 EUR
Projected average monthly income after tax 269 EUR

Average savings % has risen as Im not using my car anymore and will probably sell it. I decided to use my bike for transport through the winter. We already had a lot of snow at the start of the month where I could try if its possible to ride my bike through the snow. Which is actually quite fun :)
I cycled a bit more than 300km with my bike during the month.



Thursday, November 10, 2016

Stock buy! OHI

After the election I increased my position in OHI. I bought 62 shares at the price of 29 USD per share which averaged my buy price down to 30,45 USD per share. This buy increased my annual dividend income by 151 USD. Now I own a total of 130 shares of OHI.

Hope you got some good deals as well :)

Tuesday, November 8, 2016

Stock buy! ABBV

Since the election has dropped healthcare section prices I got myself 40 shares of AbbVie Inc at the price of 59 USD per share. With a juicy 4,3% yield it increased my annual dividend income by 102,40 USD!




Now I will wait for the election results and depending on the prices I might buy something more. REITs are attractively priced at the moment, so maybe something from them. Id like to average down on OHI or maybe get into a new position and buy some shares of O. We will see after the election.

Tuesday, November 1, 2016

Month summary: October 2016

At the start of every month I will make a small summary of my previous month. I will report my passive incomes and then will make a small summary what I think about the previous month, check for mistakes that have been made and how to improve my portfolio in the future.

Passive incomes: 89,22 EUR

Stocks- 10,11 EUR
MAIN 10,11 EUR

Only one stock paid me dividends this month, quiet month. But next year it will be better as I bought some shares of KO in September, too bad that I bought them after the ex div date so I didnt get any dividends yet. In October I got myself 40 shares of Altria (MO) for the price of 61,7 USD per share. This buy added 97,6 USD to my annual dividend income, I bought them after the ex div date so I didnt get any dividends in this month. There was also a dividend cut from STON, they cut their dividend 50% which decreased my annual dividend income by 112,2 USD. Bad news but another example that you shouldnt chase the yield, if its too high then a dividend cut in the near future is very likely to happen.

P2P lending-
Mintos- 69,04 EUR (6342 EUR in platform)
Bondora- 9,6 EUR (1097 EUR in platform)
Viventor 0,47 EUR (52,29 EUR in platform)

Didnt add nor withdraw any money from P2P platforms, just reinvested the interests.

Real estate crowdfunding-
Estateguru- 0 (470 EUR in platform)

In Estateguru I have invested in 2 loans which will be paid back with interest in 2017 spring/summer.

Savings from income 88,5%
Stock portfolio market value 37 184,99 EUR
Total value of portfolios combined 44 676 EUR
Projected average monthly income after tax 243 EUR

Overall the month was great. I havent used my car since August and it has improved my savings rate. Im actually planning to sell my car and commute with my bike through the winter. It will be harder with all the snow but I just need to get out of my comfort zone :) Im sure that its much more fun to cycle in snow than sit behind traffic lights and constantly look at the car in front of me.
In October I cycled for transport (not including training distance) 282km + around 30-40km total for smaller rides. I got an interesting thought from the book Early Retirement Extreme that cycling is used for transport and recreational use but running is seen only as recreational only, why not run as a way of transport. So I tried it on the last day of October, I ran 3,6km (1,8+1,8km) as a way of transport (average speed was 12kmh compared to 23-26 with commuting bike) and I will use it more in the future :) I mostly train on bikes and in the gym but this is a great way to improve my running ability.