Hei-Hei-Hei!
We are less than 2 years out from the end of the year. So it is getting closer and closer to get all my yearly goals done. Well, this month was great for that, I am not done but moved closer to it significantly. But let's start with the usual.
Firstly deposits/withdrawals:
Envestio 100
Grupeer 100
LHV Growth Account 250
Bondora -10
EstateGuru -100
CrowdEstate -250
I kept withdrawing money from the EstateGuru and CrowdEstate due to al the issues with default loans. I also managed to withdraw 10 EUR from Bondora. I have still not decided where to invest this money, together with the last month I have withdrawn 760 EUR. I could add it to one of my other investments or... one simple option would be to add it to our official tax-deferred third pillar pension account. There seem to be changes happening to the account where people joining it later would have less of the tax benefits so maybe I should start it with some money. At the same time, the tax advantage is only present if I access the money above a certain age (it is 55 according to current rules), and I am unlikely to live to that age due to my health condition. Decisions-decisions.
But as I did add investments to other accounts I ended the month with +90€ in investments when looking at all the deposits and withdrawals.
But let's go to the income, as who does not like income numbers:
From best to worst:
119,85 CrowdEstate
95,90 LHV Growth Account
50,33 Mintos
35,73 EstateGuru
21,75 Envestio
9,22 Grupeer
0,08 Bondora
Total 332,86€ or 10,74 a day!
I have to start by stating this was my best month of all time! And it beat the previous best (July 2019) with more than 100€!
So I had several payments in CrowdEstate and that is, of course, hopeful, I did also invest in a few of the new loans. I have been looking at the deadlines of my longest loans on both CrowdEstate and EstateGuru and investing in projects with shorter deadlines so that I am not extending my involvement with the portal above my currents loans there. I might end up selling all and coming out but I have not decided yet. So slowly decreasing the size of the portfolio there but at the moment not going for a quick exit.
A big part of this month's large income was the SPYW (Euro Dividend Aristocrats) dividend I mentioned already last month as I could see it in future payments back then. This gave a nice large boost to my cashflow this month.
This great month also gave a good boost to my yearly goal of 1800 in pre-tax investment income. Last month I was really stressed that I won't make it, but now the future looks better. My income this year has been 1623,56. So in the next two months, I need to earn on average 88€ a month to meet the goal. The most recent month with so low income was November 2018, so I hope that is not a November tradition or something.
But as none of the months this year has been that poor (the lowest was around 100€ mark) I expect to hit my goal before Christmas.
As I have added almost no new money to my investments for the past 2 months my portfolio value has been increasing very slowly, but it is about 525 higher than last month. It was 26357,43 on 31.10.2019.
We are less than 2 years out from the end of the year. So it is getting closer and closer to get all my yearly goals done. Well, this month was great for that, I am not done but moved closer to it significantly. But let's start with the usual.
Firstly deposits/withdrawals:
Envestio 100
Grupeer 100
LHV Growth Account 250
Bondora -10
EstateGuru -100
CrowdEstate -250
I kept withdrawing money from the EstateGuru and CrowdEstate due to al the issues with default loans. I also managed to withdraw 10 EUR from Bondora. I have still not decided where to invest this money, together with the last month I have withdrawn 760 EUR. I could add it to one of my other investments or... one simple option would be to add it to our official tax-deferred third pillar pension account. There seem to be changes happening to the account where people joining it later would have less of the tax benefits so maybe I should start it with some money. At the same time, the tax advantage is only present if I access the money above a certain age (it is 55 according to current rules), and I am unlikely to live to that age due to my health condition. Decisions-decisions.
But as I did add investments to other accounts I ended the month with +90€ in investments when looking at all the deposits and withdrawals.
But let's go to the income, as who does not like income numbers:
From best to worst:
119,85 CrowdEstate
95,90 LHV Growth Account
50,33 Mintos
35,73 EstateGuru
21,75 Envestio
9,22 Grupeer
0,08 Bondora
Total 332,86€ or 10,74 a day!
I have to start by stating this was my best month of all time! And it beat the previous best (July 2019) with more than 100€!
So I had several payments in CrowdEstate and that is, of course, hopeful, I did also invest in a few of the new loans. I have been looking at the deadlines of my longest loans on both CrowdEstate and EstateGuru and investing in projects with shorter deadlines so that I am not extending my involvement with the portal above my currents loans there. I might end up selling all and coming out but I have not decided yet. So slowly decreasing the size of the portfolio there but at the moment not going for a quick exit.
A big part of this month's large income was the SPYW (Euro Dividend Aristocrats) dividend I mentioned already last month as I could see it in future payments back then. This gave a nice large boost to my cashflow this month.
This great month also gave a good boost to my yearly goal of 1800 in pre-tax investment income. Last month I was really stressed that I won't make it, but now the future looks better. My income this year has been 1623,56. So in the next two months, I need to earn on average 88€ a month to meet the goal. The most recent month with so low income was November 2018, so I hope that is not a November tradition or something.
But as none of the months this year has been that poor (the lowest was around 100€ mark) I expect to hit my goal before Christmas.
As I have added almost no new money to my investments for the past 2 months my portfolio value has been increasing very slowly, but it is about 525 higher than last month. It was 26357,43 on 31.10.2019.
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