August 2020 Portfolio update: the stock market is waking up

Investment update in August 2020

Most of August was incredibly slow, it was like all traders left for a holiday. The market was just sitting there, not going up or down at all. But for some reason the very last week of August the market woke up and stocks took a steady rise! More about that bellow!

On peer to peer investments progress at Grupeers side all progress has come to a halt, no more blog updates or anything. They do still reply to mails, but where I was still somewhat hopeful 2 months ago, now its looking more and more every day that I will be dependent of the law suit to get my investment back.

The triathlon I subscribed in was canceled due to Corona, however a new one was organised for September and will go trough. I will start with a 1/8 triathlon the 6th of September and do a 1/4th triathlon the 20th of September. For those who are interested, a 1/4th triathlon is 1,5km swimming, 42km cycling and 10km running. I’m nervous as hell, I can do these distances all separate, but can I do them all at once? In total it would be about 4,5 hours of sport.

Alright enough stuff about my life lets go and check how much my portfolio dropped or increased.

My Portfolio

My Portfolio has risen slightly to 67438 EUR (+1513) however this was with no additional investments, infact I pulled out 500 EUR of my startups (one of my startups that will be moved to ETFs in September. This is now the fourth month in a row that my investments are going up again. Slowly but certain a recovery is on its way.

So this months rise was only because of a huge increase on the stock market. Its been booming incredibly the last months! I’m not yet back at the rate I was at before the peer to peer market crashed (February) on me 😦 But I am getting pretty damn close.

Lets look into more detail for each of these investment types shall we.

ETFs

It seems the stock market is rising slowly but steadily and gave me a nice profit of 929 EUR this month lowering my loss on my ETFs from -2440 last month to only -626 EUR this month. Keep it up!

	Inception Date	Total Portfolio	Monthly P&L	Total P&L	% P/L
SPDR MSCI World UCITS ETF (SWRD)	31/01/2020	35574	1749	-561	-1.55%
IShares Core MSCI EM IMI UCITS ETF (CEMU)	28/02/2020	2382	65	-65	-2.69%
Total ETF Portfolio	30/09/2019	37956	1814	-626

At this point I am really happy I limited my portfolio to just two ETFs, it makes it so much easier to track! And I keep finding it very easy to invest with DEGIRO, I am really happy I chose DEGIRO as broker!

SPDR MSCI World UCITS ETF (SWRD)

My World ETF has made a huge profit this month, lets hope they can keep it up for another 1-2 months so I break even YTD!

SPDR MSCI WORLD UCITS	Total Portfolio	Monthly P&L	Total P&L	% P&L
31/01/2020	25160.41	0	0
28/02/2020	23674	-3852	-3852
03/31/2020	22851	-3362	-7214
30/04/2020	29034	3627	-3587
31/05/2020	29590	556	-3031
30/06/2020	31411	-95	-3126
31/07/2020	33825	816	-2310
31/07/2020	35574	1749	-561	-1.55%

ISHARES CORE MSCI Emerging Markets IMI UCITS ETF

With a 113 EUR profit it was a pretty good month for this ETF

ISHARES CORE MSCI Emerging Markets IMI UCITS ETF	Total Portfolio	Monthly Profit	Total P&L	% gain this month
31/01/2020	2448	0	0
29/02/2020	2249	-205	-205
31/03/2020	1918.38	-331	-536
31/04/2020	2099	182	-354
31/05/2020	2064	-36	-390
30/06/2020	2211	147	-243
31/07/2020	2318	113	-130
31/08/2020	2382	65	-65	-2.69%

Peer to Peer

I could not withdraw anything from peer to peer this month, but if everything goes as planned then next month I should be able to withdraw my last principal from TFGCrowd, leaving me with only 4 peer to peer investments: 1 active peer to peer investment (Crowdestor), 1 with 100% of the funds in recovery (Mintos) and 2 where I am trying to recover some funds trough legal action.

Portfolio	Start	Total at 29/02/2019	Left inpeer to peer	Expected end date
Crowdestor	30/09/2019	2974	2979	07/02/2022
Grupeer	30/09/2019	8990	8990	Defaulted. In Legal procedure
Kuetzal	30/09/2019	1005	1005	Defaulted. In Legal procedure
Mintos	30/09/2019	9982	865	01/06/2021
TFGCrowd	30/09/2019	1434	210	17/09/2020
Total	30/09/2019	26933	14049	05/09/2022

I only show withdrawals here. So far I withdrew about 49% of the funds I had invested in peer to peer.

CrowdEstor

• From October I will finally start to withdraw principal from Crowdestor, as you can see above it will take me 1,5 years before all principal is returned and re-invested.

Grupeer

While Grupeer is still answering emails, my hope that they will give back any money out of their own free will is getting smaller each day.

My main method to recover funds is legal action. I can say that its moving but very slowly, it will take at least a year before anything is recovered, and probably much longer to recover a bigger amount of funds.

Kuetzal

I am in a legal procedure with Kuetzal and cannot comment on any non-public information, I wanted to share more this month but I still can’t. Perhaps in september.

Mintos

Mintos has created something new namely Funds in recovery. Pretty much all of the remaining 874 EUR is stuck in Capital service.

TFGCrowd

Right now I am waiting for the last 200 EUR of principal to be finished in TFGCrowd. After that I will be fully out of this investment. This will happen in September.

Startups

One of my startups WeGroup got bought out, and this for the amount of 505 EUR (164% of the value I bought it for). As a recall I paid about 315 EUR for this, and I got to withdraw some amount of my taxes because of this.

I still have now 3200 EUR in startups invested, I have every intention to withdraw this whenever possible.

Retirement funds

I decided not to update my retirement funds all the time since for most of the funds I get an update just once a year, so I will update it also just once a year. This is from end of 2019. I will update it again in December 2020.

November 2019	Current Value
KBC Pension funds	7999
First job Pension plan	1467
Second job Pension plan	592
Third job Pension plan	12084

Wins / losses this month

• My ETF Portfolio made an amazing 1840 EUR profit!
• Slowly but certainly I am moving out of peer to peer

What is next?

• I will be doing a 1/8 Triathlon next week so right now Im training a lot to make that!
• And in three weeks Im doing a 1/4 Triathlon!
• My secret project is still ongoing. I will probably not be able to share any info about this until January 2021 😦

I will also post a savings rate update soon! Subscribe and make sure you don’t miss any of my monthly portfolio updates!