Portfolio
My portfolio, in the open
A transparent snapshot of how I allocate my own capital for income and long-term growth. This is documentation, not investment advice.
As of
Net worth
€412,800
Annual passive income
€18,640
Average yield (TTM)
4.51%
Years to FI
5.2
Current allocation
Where the capital sits
The portfolio keeps a diversified public-market core, with smaller sleeves for private credit, property and liquidity.
Euro values are approximate amounts calculated from the published net-worth figure and allocation percentages.
| Holding sleeve | Allocation | Approx. value | Role |
|---|---|---|---|
| Dividend ETFs | 38% | €156,864 | Global income core |
| Individual stocks | 24% | €99,072 | Quality dividend growth |
| P2P lending | 18% | €74,304 | Diversified private credit |
| REITs | 12% | €49,536 | Listed property exposure |
| Cash / other | 8% | €33,024 | Liquidity and optionality |
Income snapshot
What the portfolio produces
€1,553
average monthly run rate
Annual income as a share of portfolio4.51%
Scale shown from 0% to 10%.
Performance history
A verified baseline, not a backtest
30 June 2026
First published comparison point
I will add comparable quarterly snapshots here as they are verified. I am not filling the chart with reconstructed returns that were never recorded consistently.
Go deeper
See the research behind the allocation
Start with the two sleeves that drive most of the portfolio's income strategy.