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Portfolio Update May 2020

Portfolio Update May 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. 

This is the first portfolio update I am publishing since the COVID-19 crisis started, so expect a lot of changes compared to my previous updates. I decided not to publish any updates during the first months crisis itself, as there was a lot of fluctuations of value in my stock portfolio, and also it was a challenging period personally as we had troubles getting back to Europe.

As always, all the numbers & graphs that you see inside the article are directly taken from TrackInvest, the software that I created to track all my crowdlending & stock market investments, directly from raw data from the platforms & the stock market. Let's dive in, starting with the overview of my portfolio for May 2020:

Monthly Income Statement: May 2020

Type
Income
Yield
Invested
Value
Crowdlending Platforms
296€
7.38%
62,855 €
87,941€
Dividend Growth Stocks
304€
4.29%
60,743 €
85,089€
Total
601€
4.17%
123,599 €
173,030€

I usually show the income I generated during the past months, but due to the crisis I think it is more interesting to see what happened in terms of value during the past couple of months:

As expected, it does not look good at all. At the worst point of the crisis, I lost nearly 40,000 Euros of value compared to the beginning of the year! However, it's not that bad at the end - most of the value loss is coming from my dividend stocks portfolio, on which I solely focus on the dividends and not on the value of the stocks. It's already recovering, and currently I am 'only' at a 30,000 Euros of loss compared to the beginning of the crisis. Let's have a look at the overall gains in income:

Portfolio Update May 2020

As you can see, the crisis has no effects at all on the income generated by the portfolio, which is what I really love about this strategy. There might be some dividend cuts coming however, and I will discuss that in the dividends part.

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
296€
7.38%
62,855 €
87,941€

Note that all platforms don't yet appear in this table, as they are not supported yet by TrackInvest.

Returns from my crowdlending investments were not that much impacted by the crisis, even if some late payments are started to accumulate on some platforms like Crowdestor, but that's to be expected during a crisis like this. 

Also, you might not notice anything yet but as I recently announced in a video on my Youtube channel, I will be gradually reducing the amount of platforms I have in my portfolio, to focus on just 4 platforms in consumer loans, and 4 platforms in real estate crowdfunding. 

Indeed, I think I was doing a disservice to you & to myself by reviewing and having so many platforms in my portfolio. My whole strategy for investing consists in really having passive income investments that you don't need to manage constantly, and with that in mind having that many platforms doesn't make sense anymore. 

So definitely expect drastic changes in my portfolio during the comings months :) As I mentioned in the video, I will focus on platforms that I mentioned in my best Peer-to-Peer lending platforms article, as well as in my best real estate crowdfunding platforms article.

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, despite the crisis I saw no changes at all in terms of gains accumulated by my crowdlending portfolio.

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
304€
4.29%
60,743 €
85,089€

As I mentioned earlier in this portfolio update, the value of my stock portfolio was greatly impacted by the crisis, but as I focus solely on dividends I am too worried about this. 

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

If anything, my income from dividends actually grew during the crisis, thanks to some companies following through with their plans to raise dividends! Of course, no portfolio is protected from dividend cuts, and many companies already announced that they will reduce or even cut their dividends temporarily during the coming months. The situation changes daily, but from what I know none of the companies I have in my portfolio announced such measures. 

What's Coming Next

I hope that this portfolio update was useful to you! As it was the first time I published a portfolio update since the COVID-19 crisis began, there was indeed a lot of changes inside the portfolio, but I will definitely now publish a new update every month so you can see how it evolves months after months during those times of crisis, and what actions I am taking for my portfolio.

In this month of June, I will continue with my plan to have just 8 crowdlending platforms in total in the future - so it will mean waiting till loans are being repaid back on the platforms that I don't want to have anymore in my portfolio. With the money generated from this, I will re-invest the money in those 8 platforms, and also invest in my dividend-paying portfolio as there are currently great opportunities in terms of dividend paying stocks (you can for example check the Stock Explorer tool on TrackInvest to find some great stocks). 

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

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Vítor Rodrigues 3 months ago
I, nice dividend portfolio! Actually MIC cutted its dividend :-(
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