Financial Independence · investing

December 2021 Portfolio update: here comes the Santa rally!

First of all Merry Christmas and a Happy New Year to all of you!
Some highlights of 2021:

  • What a year, my Net Worth increased Year Over Year from 488.484 to 582.167 or an increase of 93.683!
  • The compound interest of my stock portfolio was 35.721 EUR, enough to cover 148% of my expenses! Most of these were from May-December.
  • Mainly my indexes performed well, my small cap stocks and crypto performed slightly less

If you are new to my blog then feel free to subscribe and get my monthly update every month!

December started very poorly with a massive drop the first days. But somewhere mid-December large caps started to recover, pulling my portfolio back up. I can say that we really did see the Santa rally I was hoping for.

January is a fun month, I will go over the goals I had set in 2021, set new goals for 2022, and also take a look at what I spend in all of 2021! Of course I will be creating blogs of all of this.

Now lets find out how my portfolio did this month and what changes I made.

Image result for I am not a financial advisor

My Portfolio

My Portfolio has increased to 259498 EUR (+11399), thanks to some extra investments (about 3300 EUR), but mainly thanks to a nice Santa rally the last 2 weeks of the year!


The core of my long term strategy is ETF‘s.

I have sold my Emerging market ETF. I am still invested in the emerging markets trough my ACWI ETF. I just felt there was better opportunities elsewhere. I moved most of this money to Agronomics.


My 4 ETFs had a Santa Rally!

Cultured meat / Agro-Tech Portfolio

I have strongly increased my position in Agronomics this month and a little bit in Meatech. I consider my Meatech Position large enough for now and will not add further.

I also added a new stock called AppHarvest. AppHarvest is investing into Automated-Farms allowing them to use less water and less manpower, giving them a very competitive edge to classical farms. I did put a stop loss at 3.7$ and since the stock is nearing this price I am worried I will exit soon, but let’s see where it goes!

AppHarvest acquires Root AI and its robotic harvester

Click on a stock to get more info on the stock:

Agronomics ($ANIC)
MeaTech 3D ($MITC)


$CRO.X dropped slightly compared to next month, which was expected considering it had a major bull run in November. I hope the price will now stabilize and the next bull run will come somewhere the next months. I do get 10% p/a tokens extra from my staking, so slowly but certain my costs of this coin are dropping. In 5 years I will have more then 50% more coins.

If you want to use my referral link to get a visa card, you can use it here, then both of us will get 25$. I’ve been using mine since October 2021 and I am happy with the 3% cashback, free Netflix, Free Spotify & Free Airport Lounge access.

You need to stake an amount of $CRO.X to get a card, but you do not lose your money. You stake it for 6 months and then you can take it back out if you need it. Myself I have staked 3500 EUR for the Indigo card and the value of the coin doubled since then and of course I will get some additional money for staking (10% p.a. on the Indigo card).

There is no fees on the credit card!

Real Estate

I currently owe one apartment that I purchased in 2010 for 136.000. I got it re-estimated in 2020 at it was valued at 185.000 EUR. I did a re-evaluation of my apartment that values it at 199245 EUR. It is both related to a general rise in apartment prices of 6-7% and the value of apartments in my region. This contributed over half to the increase of my Net Worth.

I fully paid of the mortgage on this apartment. It feels much more free then before!


No updates about my startups this month. No news is often good news. My plan is to slowly lower this portfolio, but of course its very illiquid.

Right now I have 2200 EUR still active in startups.

I am using Spreds to purchase these startups.

Check out this post if you want to know how you can invest in startups.

Peer to Peer

I am left with only 4 peer to peer investments left, 3 I have considered to be in default. I have not defaulted on Mintos yet as there is a payment plan to get back the money in the next 2-3 years

Nothing new on CrowdEstor. I am just waiting for what will happen with my last 100 EUR investment there. I have already defaulted this investment in my portfolio.

I am in several law suits. One with Grupeer where I am being represented by Ellex and part of the Grupeer Armada. Contact them on Telegram here

I am also in a law suit with Kuetzal, where I am represented by Magnusson. Look for the Telegram group “Kuetzaldiscussion” to find the armada there.

I expect to get some really good news in Q1 about Kuetzal.

Retirement funds

I get an update just once a year, so I will update it also just once a year. This is from end of 2021. I will update it again in December 2022.


This was last updated on 31-12-2021.

My savings went down with about 13k since end of April, which is fine, I want to lower this amount and have more invested. A conservative target for this amount would be about 50k or 2 years of expenses.

I just update this twice a year, namely in June and December, as I don’t think its very spectacular to write about my savings here.

Unless something big happens of course, such as a real estate purchase.


I created several new videos this month:

Check out my channel & videos here

I now have 135 Subscribers on YouTube (+12).

Thank you all for your support!

Wins / losses this month

  • Nice Santa run on my ETFs this month!

What blogs are coming up next?

  • Yearly Expenses for 2021 and My goals for 2021 and 2022!

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


One thought on “December 2021 Portfolio update: here comes the Santa rally!

  1. Great to see your amazing progress. Very happy for you. I’m curious how 2022 will be.Based on your newest post, I can only imagine where you’ll end up this year 😉

    Btw, have you considered using Curve in tandem with the card? I’ve used it for a month now and it worked really great abroad and in Belgium.


Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s