Wednesday, August 26, 2015

Investing and emotions

They dont go together too well. In investing we have to be more analytical and mathematical. But when we look at the stock market we see people doing just the opposite. If something happens, for example what happened with stocks all over the world on monday because of chinese stock market crash. People started to sell and sell fast. Probably the same people are trying to buy their stocks back now at a more expensive price.
If you read investment related blogs, books etc. then nobody wants to give you any advice and thats because stock market is too unpredictable, theres just too many variables for a human brain to process and get accurate results. But Ill give some advice, dont think so much and be calm whatever happens.
Some things you can do to not get too emotional is to write down some realistic goals for yourself, this way you can track your progress and avoid stupid decisions that come from high emotional states.
Emotions should be left for your family, friends, close ones and simple math in investing.

What I do is that I just keep investing, when the price is low I buy more and when the price is high I buy less. And if the price is too high at given moment then I just choose another stock or another investing option. If you keep buying stocks for lets say 5 years then your average buy price will be below the 5 year average when you buy them in the way I do.

Keep calm and keep investing :)

Tuesday, August 18, 2015

Stock buy!

Today I bought some more stocks! I got myself 324 shares of TKM1T with 6,49% dividend yield.
This increased my monthly income around 10,8 EUR. Now Im holding stocks of 4 different companies.
Im planning to buy more stocks after every month or two depending on the prices. Statistically theres not much point to wait for the crysis especially when the total amount of money is not hundreds of thousands or millions.

Saturday, August 1, 2015

Month summary: July 2015

Another busy and active month with a lot of aggressive investing.

Savings

This month I managed to save 82,5% of my incomes. 1% improvement over the last month but actually incomes were bigger in june but I had to buy a new washing machine then so thats why the % is almost the same in the last 2 months.

Passive incomes

This month was the best month so far in passive incomes. The total was 159,13 EUR


Huge improvement over the last months but that was because SFG paid its annual dividends where I got 120 EUR. I bought the stock in the beginning of the month. Another stock I bought was BBEP in a small amount of 150 shares, this one is a bit more of a gamble really which could pay off really well in a year or two.
Im planning to buy some more baltic stocks soon but most of the prices are still quite high at the moment, I want the dividend yield of the stock to be at least 6,5%
I might want to get some ETFs soon too, but I will have to research them a bit more before buying anything.

From Bondora I got 20,55 EUR interest, I havent added any money in there but I keep reinvesting the interests. Bondora is ok but my total is still negative because of some really bad decisions in the beginning when I started using it. My mistake was to give out 50 EUR loans to low grade borrowers, but at the time the bondora rating system was much different so I couldnt know it.

Mintos paid 7,95 EUR of interest and I really like it so far, I added another 600 EUR at the end of the month there and now I have 1900 EUR + 9,27 EUR interests invested in there. Next month the payments should be even better :)

One of my goals this year was to have over 3000 EUR in p2p lending sites and Mintos+Bondora is at 3197 EUR, goal achieved! :)

Estateguru paid me 10,63 EUR. I have invested in only 1 project at the moment. I wanted to invest into the new project in the end of the month but it got filled before I even got to make any research about it. It was an interesting one for me because I live close to the building. Im quite positive that Im going to invest into new projects when they come though, lets wait and see!

I also lent some money to a friend for 18 months. Small interest will come from there too.

Total investments at the moment stand at 9243 EUR, really close to my 13000 EUR portfolio goal which I wanted to achieve by the end of the year, I should be able to achieve it much sooner :)



In the next months I will continue aggressive investing, hopefully I can get some stocks for cheap in fall. Have to be patient.