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Portfolio Update May 2019

Portfolio Update May 2019

Last Update: July 14th 2019 / 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. 

I am really excited about this one, as this is the first one I am making using an app that I specifically developed to manage investments portfolios like this, called TrackInvest. I used it, for example, to automatically generate all the tables & graphs in this article. It's still in beta at the time of this writing, but if you would like to try it out feel free to send me an email! Let's dive in, starting with the overview of my portfolio for May 2019:

Monthly Income Statement: May 2019

Type
Income
Yield
Invested
Value
Crowdlending Platforms
793 €
9.21%
65,675 €
103,387 €
Dividend Growth Stocks
361 €
4.46%
67,895 €
97,270 €
Total
1,154 €
6.91%
133,570 €
200,657 €

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. I am really happy about the overall yield as well, nearing at 7% overall in my portfolio. 

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

It has been pretty much stable over the past months, slowly coming down a bit as I sold some positions in my dividend growth portfolio over the past months (more on that later). But overall I am really happy with the progression of my passive income over the past months, especially as it is now stable above 1000 Euros per month.

Crowdlending Portfolio

Platform
Income
Yield
Invested
Value
135 €
6.01%
19,990 €
27,017 €
69 €
5.78%
11,622 €
14,411 €
44 €
4.17%
11,120 €
12,920 €
123 €
13.60%
9,523 €
10,878 €
20 €
2.73%
8,462 €
8,876 €
15 €
2.24%
4,128 €
8,353 €
22 €
11.05%
996 €
2,476 €
16 €
8.15%
2,193 €
2,359 €
9 €
5.18%
2,150 €
2,241 €
24 €
13.66%
1,980 €
2,192 €
9 €
5.84%
1,783 €
1,865 €
9 €
10.19%
1,090 €
1,154 €
8 €
9.78%
950 €
1,015 €
5 €
13.42%
450 €
506 €
Total
793 €
9.21%
65,675 €
103,387 €

In terms of crowdlending platforms alone, I still have excellent performances on all crowdlending platforms I am invested in. Note that as some platforms are not yet supported by my application TrackInvest, they don't appear in the table above (however, they are included inside the total value of my portfolio). Also note that for some crowdlending property platforms like EstateGuru and Crowdestate, I have not been investing for a long enough period of time for the yield (calculated with the XIRR formula from the raw data, and not taken from the platforms) to be completely accurate. So I definitely expect the overall yield of my crowdlending portfolio to go higher in the coming months. Let's now have a look at the evolution of the passive income coming from crowdlending platforms over the past months:

As you can see, the passive income grew significantly during the past months, especially when I invested in new real estate crowdfunding platforms like EstateGuru, Crowdestate, and Crowdestor. It then stabilized at nearly 800 Euros as I invested back a bit less during the past months. 

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

Since I started investing on the platform nearly 4 years ago now, the platform has been delivering very strong results without any glitches, with a yield always above 12%. This is the reason why Mintos is still my #1 most recommend platform and the largest position in my crowdlending portfolio.

Let's now have a look at another platform that I like more and more with every month passing, Grupeer:

Results on Grupeer have always been very solid as well, with a yield at nearly 13%, a great auto-invest feature, and a team that is always ready to help. I will definitely invest more on this platform in the future. 

Finally, let's have a closer look at my investments on Viainvest:

As I didn't invest for that long yet on this platform, I haven't yet reached a stable income every month, but it is coming and I only had great results so far from Viainvest. That's a platform I will continue to monitor and for sure I will raise my investment on Viainvest in the future as well.

Dividend Growth Stocks

Name
Income
Yield
Invested
Value
Realty Income Corporation
28 €
3.85%
5,762 €
7,748 €
Cisco Systems, Inc.
17 €
2.44%
2,931 €
7,440 €
International Business Machines
26 €
4.59%
6,442 €
6,280 €
QUALCOMM Incorporated
17 €
3.36%
3,903 €
5,582 €
United Technologies Corporation
11 €
2.24%
3,782 €
5,403 €
Xilinx, Inc.
6 €
1.25%
1,972 €
5,401 €
Intel Corporation
11 €
2.59%
2,586 €
4,482 €
Procter & Gamble Company (The)
10 €
2.61%
2,968 €
4,130 €
Emerson Electric Company
11 €
3.05%
2,948 €
4,129 €
Johnson & Johnson
10 €
2.71%
215 €
3,617 €
Camden Property Trust
9 €
2.93%
2,504 €
3,319 €
Omega Healthcare Investors, Inc
22 €
7.13%
2,962 €
3,318 €
AT&T Inc.
18 €
6.10%
3,211 €
3,172 €
Target Corporation
9 €
3.05%
2,002 €
3,144 €
Archer-Daniels-Midland Company
9 €
3.35%
2,574 €
3,011 €
Digital Realty Trust, Inc.
10 €
3.57%
1,974 €
2,911 €
3M Company
8 €
3.41%
2,301 €
2,490 €
Caterpillar, Inc.
6 €
3.08%
1,365 €
2,485 €
MUENCH.RUECKVERS.VNA O.N.
8 €
4.13%
1,937 €
2,439 €
Pfizer, Inc.
6 €
3.35%
1,411 €
1,980 €
W.P. Carey Inc. REIT
9 €
4.92%
1,281 €
1,969 €
TAG IMMOBILIEN AG
5 €
3.57%
977 €
1,806 €
SIEMENS AG NA O.N.
5 €
3.81%
1,633 €
1,695 €
PHILIPS KON
3 €
2.15%
888 €
1,492 €
SUNLIGHT REIT
22 €
4.17%
934 €
1,448 €
BASF SE NA O.N.
6 €
5.38%
1,544 €
1,445 €
Kimberly-Clark Corporation
3 €
3.00%
1,174 €
1,246 €
ICADE
12 €
5.80%
879 €
1,203 €
PROSPERITY REIT
15 €
5.03%
689 €
810 €
UNIBAIL-RODAMCO-WE
9 €
8.32%
1,137 €
648 €
Sanofi
2 €
4.11%
486 €
482 €
Macquarie Infrastructure Corpor
6 €
9.56%
651 €
452 €
Total
361 €
4.46%
67,895 €
97,270 €

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 reinvest somewhere else. 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 4%.

Let's now have a look at the evolution of the passive income of my dividend growth portfolio over the past months: 

As expected, the income coming from dividend growth stocks fell in the past months, as I sold positions in my portfolio that were not delivering enough anymore. However note that is is only due to me selling positions, and not because some companies stopped paying dividends. As I now have better-performing companies in my portfolio, and I will add more positions in the next months, I expect the income to rise again in the coming months.

What's Coming Next

I hope that this portfolio update was useful to you! As it was the first one where I used raw data to show you the insights of my portfolio, I would love to have your feedback on the tables & graphs that I included in the article, and for sure let me know if you want to see additional numbers in future updates. 

In June, I plan to reinvest some of the free cash I have into more dividend growth stocks (if there are good opportunities on the market), and also try out new crowdlending platforms to expand my portfolio. I am currently still testing Rendity, Debitum, and Reinvest24 (reviews will be published soon), and I plan to soon start testing two new platforms: Flender (a Peer-to-Peer lending platform based in Ireland) and Brickstarter (a real estate crowdfunding platform that invests in vacation rentals).

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

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Ugnius a month ago
Thanks Marco for the overview. Would be very interesting to see as well the level of capital invested across the time (on the same charts to compare with income dynamics).
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Fillip a month ago
Thanks for the information you share. If you can give a little more information on Crowdlending Portfolio and on the types of loans that you invest or prefer to invest in (type of credit, term, country, etc.).
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Marcos 2 months ago
What about Envestio?
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Marco Schwartz Marcos a month ago

As there was not much to report about it I'll probably dive deeper into it in a next report :) Also it's not yet supported by TrackInvest that I use for the report, which is why it doesn't appear here.