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Portfolio Update January 2020

Portfolio Update January 2020

Last Update: / by Marco Schwartz

Hi everyone, and welcome to a new portfolio update! As for every month, I'll share with you the latest numbers from my investment portfolio, showing you all the details about what happened both with the crowdlending platforms I invested on, as well as with my dividend growth stocks portfolio. I'll show you what I did during the month, what went well, what didn't go well, and also share at the end what actions I'll take in the coming month. 

It's actually been a while since I didn't post any portfolio update, as I was really busy with my software projects, especially my investment portfolio manager software TrackInvest that I now use to display data through all this website. It now for example shows data day by day, which means more much precise numbers & graphs about my investment portfolio. A lot happened as well in the crowdlending space in the beginning of 2020, so a portfolio update was much needed. That being said, let's dive into the portfolio update, starting with the overview of my portfolio for January 2020:

Monthly Income Statement: January 2020

Type
Income
Yield
Invested
Value
Dividend Growth Stocks
328€
3.88%
60,743 €
101,823€
Crowdlending Platforms
383€
7.64%
69,721 €
93,590€
Total
712€
4.38%
130,465 €
195,413€

As you can see from the table above, I now have a pretty equal repartition in value between stocks & crowdlending platforms, which is something I've been aiming for in my portfolio. Note that I sold some of my positions in dividend-paying stocks, not because of the stock market being bad but to fund personal expenses as I am currently making a trip around the world with my wife. I also didn't reinvest any money during the past months, and will only invest more again once our world tour is over :)

Let's now have a look at the historical performances of my portfolio in terms of the total income generated, which is one of the most important metric for me:

My total gains since I started investing are now nearing 40,000 Euros - which is crazy when I think about it, as I started investing 6 years ago now, with not a lot to start with. Even if there were some issues in the crowdlending space recently (more about that in the crowdlending section), I'm still having steady growth of my income month after month.

Crowdlending Portfolio

Platform
Income
Yield
Invested
Value
184€
12.32%
7,293 €
18,971€
49€
5.08%
11,120 €
12,920€
19€
2.47%
9,492 €
10,086€
2€
12.61%
1,538 €
8,599€
10€
2.06%
7,727 €
8,077€
18€
10.86%
856 €
2,529€
23€
13.22%
2,001 €
2,410€
22€
8.27%
1,776 €
2,080€
16€
12.89%
1,459 €
1,922€
14€
8.37%
1,498 €
1,747€
4€
3.35%
1,519 €
1,588€
10€
10.87%
1,090 €
1,284€
4€
4.21%
1,100 €
1,135€
11€
11.28%
950 €
1,127€
3€
6.21%
1,000 €
1,005€
Total
383€
7.64%
69,721 €
93,590€

Note that this list doesn't show all the platforms I have in my portfolio, only the ones that are supported by TrackInvest so I can show you the exact numbers here. I am working hard with the remaining platforms so I can support them in the near future within TrackInvest.

Let's now talk about what happened recently within the crowdlending space. Kuetzal and then Envestio, two platforms on which I invested myself, closed down unexpectedly, with a large suspicion of fraud, and I am really sorry for those of you who lost money this way.

Let's go more into details about those two platforms, and how I talked about them on my site as I really want to be fully transparent. I lost around 500 Euros on Envestio (invested 450 Euros initially to try it out the platform). I published a review about it on my website, but never invested more or actively recommended it to be a big part of anyone's portfolio, as I believed the yields were too high to be sustainable.

For Kuetzal, the situation is a bit the same: invested 200 Euros initially, and I was in 'test phase' to see how my investment would evolve on the platform.

For both platforms, I tried to contact my usual contact persons at each platform, without any success. After waiting 3 days as I always do, I degraded my reviews for those platforms for people to avoid them, as well as pulled any video I had on Youtube about them.

However, that's not good enough, and I want to use that as a lesson to do better in the future. First, I'll change my review process to be much more strict about platforms I feature on my website. I usually posted my initial review about a platform after 3 months investing on it, and I will now double that and wait 6 months before talking about a new platform, to have more data from my own investments to show in the review.

For the review itself, I will also spend more time checking the background of not only the platform, but also key people that are currently running it, as well as the projects available on the platform, and track that over time. I also will put more numbers inside my reviews coming from the TrackInvest project, to include what results other people have with the platform.

Finally, I will also publish an article on my website as well a Youtube video to explain step-by-step how I review platforms, to provide full transparency on the process.

I hope that this will help you take better investment decisions in the future, and of course I would love to hear what you think about it in the comments.

That being said, I decided to immediately delay my reviews of platforms I was currently testing, like Monethera and Wisefund. I will most probably publish them within 4 months, applying the new, more strict review process that I mentioned above.

Let's now have a look at my total gains from crowdlending:

As you can see, I am still getting strong gains from crowdlending platforms, with now nearly 24,000 Euros generated since I started investing.

Let's now have a deeper look into a few selected platforms to see what happened during the month, starting with Mintos:

Portfolio Update January 2020

As you can see, I am still getting excellent results from Mintos, with strong gains since I started to invest on the platform over nearly 5 years ago now.

I recently added Crowdestor to TrackInvest, so let's have a look at the gains generated on this platform:

Portfolio Update January 2020

You can see that after a slow start on the platform (with just small interests from projects), I am now seeing strong gains from Crowdestor as more and more projects are being repaid.

You were a lot to ask me about EstateGuru, and what I currently think about the platform. There were indeed a few defaults that happened recently on the platform (I detailed that into my recent update of my review), however they have an excellent track record of recovering defaults so I am confident this will be fixed rapidly and all capital returned to investors. Here are my latest gains with the platform:

Portfolio Update January 2020

As you can see, I am still getting great gains from EstateGuru as well, and will definitely continue to reinvest on the platform in the future.

Dividend Growth Stocks

Name
Income
Yield
Invested
Value
QUALCOMM Incorporated
16€
2.82%
3,903 €
6,866€
Realty Income Corporation
25€
4.79%
5,761 €
6,415€
Cisco Systems, Inc.
15€
3.16%
2,931 €
5,858€
Intel Corporation
9€
2.26%
2,585 €
5,235€
International Business Machines
23€
5.55%
6,441 €
5,172€
Xilinx, Inc.
5€
1.53%
1,972 €
4,451€
Procter & Gamble Company (The)
9€
2.59%
2,967 €
4,389€
Target Corporation
7€
2.24%
2,001 €
4,240€
Johnson & Johnson
9€
2.83%
215 €
3,847€
Emerson Electric Company
10€
3.29%
2,948 €
3,822€
Digital Realty Trust, Inc.
9€
3.04%
1,973 €
3,575€
AT&T Inc.
16€
6.86%
3,210 €
2,858€
Archer-Daniels-Midland Company
8€
3.67%
2,573 €
2,817€
Camden Property Trust
8€
3.70%
2,503 €
2,738€
Omega Healthcare Investors, Inc
20€
9.17%
2,962 €
2,625€
MUENCH.RUECKVERS.VNA O.N.
8€
4.21%
1,936 €
2,561€
United Technologies Corporation
29€
15.27%
3,782 €
2,333€
Caterpillar, Inc.
6€
3.24%
1,364 €
2,284€
3M Company
7€
3.80%
2,301 €
2,224€
TAG IMMOBILIEN AG
5€
3.70%
977 €
1,907€
SIEMENS AG NA O.N.
5€
3.61%
1,632 €
1,838€
PHILIPS KON
2€
1.99%
887 €
1,624€
Pfizer, Inc.
5€
4.47%
1,411 €
1,588€
W. P. Carey Inc. REIT
8€
6.32%
1,281 €
1,539€
Kimberly-Clark Corporation
3€
3.00%
1,174 €
1,279€
BASF SE NA O.N.
6€
6.47%
1,544 €
1,224€
HCP, Inc.
12€
14.68%
876 €
998€
ICADE
6€
7.82%
878 €
921€
Sanofi
1€
3.41%
486 €
600€
Macquarie Infrastructure Corpor
10€
39.15%
651 €
330€
UNIBAIL-RODAMCO-WE
27€
125.10%
1,137 €
258€
Total
328€
3.88%
60,743 €
101,823€

As I mentioned earlier in this portfolio update, I recently sold many positions inside my portfolio, as they both had low yields (above 2%), had a high P/E ratio (above 25), and also were not raising the dividends significantly during the past years. So it was more than time to sell those in order to make some capital gains and have some cash to spend for personal expenses. I'll soon do an article about the process that I use to find those stocks that should be sold in a dividend growth portfolio. Overall I am now really satisfied with the overall yield on this part of my portfolio which is above 3.5%.

Let's now have a look at the evolution of the dividends received over the past months: 

I am now passed the threshold of 15,000 Euros generated from dividends - which is amazing when I think about it as I started with absolutely zero just 5 years ago from now. 

What's Coming Next

I hope that this portfolio update was useful to you! As I mentioned in the crowdlending section, there was a lot of turmoil in the space recently, so the next months for me will be all about working on my platform review process, publish updated reviews of current platforms using this new process, and also develop my tool TrackInvest to make it better & allow it to track investments from more platforms. My goal is really for you to make the best investments decisions possible after visiting my site, and all my future efforts will go in this direction.

Thanks again for your support, and I hope you’ve enjoyed this month’s portfolio update!

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Frederico Zveiter 2 months ago
Hey, Marco! I recently discovered your blog and youtube channel and the information is very helpful! I am curious about the review process you do on the companies that runs the P2P platforms besides actually using the apps for a few months and check if everything runs alright and you get your money back with interests. Do you have a user group to discuss and help with the review? I noticed you don't own any funds in your portfolios. Is there a reason why? Thanks again for the great content!
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Financefreedom.eu 5 months ago
Hey! As the Coronavirus is beginning to affect the markets, are you going to pull money out from P2P platforms and/or stocks?
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Marco Schwartz Financefreedom.eu 5 months ago
Hi! Very good question, check the article I wrote about it: https://marcoschwartz.com/manage-investments-crisis