Financial Independence · investing

March 2022 Portfolio update: green month for the first time this year

  • My Net Worth increased to 575872. Not yet at the all-time high of December 2021 (582162 EUR) but pretty close.
  • My stock portfolio increased with 5% which is a big very gain
  • While the war in Europe continues China-US relations have slightly improved that is leading to a nice growth of both markets

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To be honest there is still a lot of uncertainty, but some of it was lifted. China had a very good meeting with the US this month related to the listing of China stocks in the US, and while the proof is in the pudding, it is looking quite good for companies like $BABA.

More details about what I think about the stock market bellow.

I look forward to April because its the time when I get my yearly bonus. My bonus can be as much as 30% of what I make in a year, so its quite significant. I am already thinking of what I can invest it in.

I did not get a raise this year. Every year my company has a possibility for a wage increase in April. This year is the first time in 8 years I just got no wage increase. Even tough its quite significant with 3.5% I did ask to be considered for the mid-year increase in October. They confirmed I am on the list to be considered. I am not the only one here. The large majority of employees did not see an increase and that does make me a feel a bit better. With 8% inflation in Belgium right now I also expect a good increase next year anyhow. My goal is to make 100k per year before taxes by 40.

In my personal life I try to keep up with sports (gym & mountainbike) mainly and I have returned to working from the office. It is strange to be back, and I do feel more stress but at the same time its good to make jokes at the coffee machine again and have chats about nothing.

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

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My Portfolio

My Portfolio has increased to 252474 EUR (+13288). So a big increase. I also invested almost 1000 EUR this month. I do think its a good time to keep investing and I am not considering to change strategy.


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

My ETFs have jumped with 5% and most of them are almost positive for the year. With such good news coming from China, I do expect this momentum will keep up. The big jump will come when there is a cease fire between Russia and Ukraine of course. My ETFs generally outperform the stocks I had picked, which tells me that keeping 90% in ETFs is the best strategy.

Vanguard FTSE All-World U.ETF ($VWCE)

Cultured meat / Tech Portfolio

Also my stocks have rebounded. AppHarvest knew the biggest rise, but also Agronomics performed well surfing on a big wave of good news this month. Apart from some excellent investments done and great results + NAV increase the most noticeable news was that the Netherlands approved tasting of cultivated meat. I hope that I will have a chance to try it this year!

I plan to buy more Intel in April, and perhaps add some into $MITC as well if the price remains so low. $MITC revealed plans to build a production plant in Belgium in 2023 which I’m very excited about. I do still see Risk because they are currently not making enough money to keep up with their spending and it is not yet known how they will fill this gap.

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

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

AppHarvest ($APPH)

Intel ($INTC)


$CRO.X also got a big boost with an over 15% increase this month. Additionally the staking and use of my credit card is increasing my CRO coins every month.

The use of the jade credit card is the main reason why I am into CRO.

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.

According to immoweb its valued more then what I have written now, but I only revalue it once a year and that’s in June.


A third startup has now defaulted, namely shiftmeapp. They blame everything on Corona.

When looking at what failed I can see especially apps seem a very risky investment.

On the spreds homepage I can see that this is just that is being offered a lot as investment.

I do still have investments that are performing well and I hope that long term they will come out on top, additionally its very interesting to follow companies in their life cycle, so I don’t exclude to make some small additional investments there.

I certainly hope not all my startups will go bankrupt tough 😉

Right now I have 2800 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 managed to withdraw some more from Mintos. About 9 EUR!

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 1-2 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.


Check out my channel & videos here

Thank you all for your support!

What blogs are coming up next?

  • I should have an update on MITC somewhere in April!

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