Quarterly Portfolio Report – Q1 2019

A new quarter is over. It’s almost the exact opposite of Q4 2018. All of the (trading) accounts in my portfolio recovered, and thanks to the deposits I made during the most recent drop, I have bigger absolute gains. I couldn’t be happier. Let’s have a look at what I’ve gained this last quarter.

As mentioned, I received solid growth compared to the last quarter. Not only did my ETF’s perform well, but my individual stocks also recovered very nicely. As a result, I can look at a net worth growth of 15% this quarter. to be clear, this includes deposits.

Thanks to the strong gains the last couple of weeks my portfolio reached 2,14%!
Coming from a running loss of -9.53% it grew by 9.53 + 2,14 = 11,67%.
Due to the influx of new stocks and additional share purchases my cash is now -20,67 EUR.

The below table contains my stocks denominated in USD. Since the currency rate fluctuates daily, it impacts the total portfolio wealth counter. To keep it simple I will use the rate applicable at the time of writing every quarter (give or take a day). You can find the rate used at the top of this page.

Just like my euro stocks this quarter, my dollar-based stocks recovered nicely though they are still in red.
Coming from -19,88% I made a strong recover to -5.32%. In other words I gained 19.88 – 5.32 = 14,56%.

My portfolio at Beobank containing actively managed funds recovered beautifully.
The loss percentage was at -2.80% but thanks to a strong Q1, I got back to 10.27%. So, a nice 13.07% return this quarter.

As with my other portfolios, the pension fund recovered quite a bit too.
In March I deposited the required amount of 980 EUR to get the 30% tax deduction as well as the tax benefit through my employer.
From a -8.14% I went straight to 3.58%. In other words, recovery of 8.14 + 3.58 = 11.72%.

I call them investments but they are more like speculative positions.
I take a calculated risk with these (especially the cryptocurrency one) expecting to reap the benefits in the longer term but most likely lose it all at one point.

The forex account had a good run this quarter and was able to keep it! The loss got reduced by 14,64% to 5080.12 EUR (coming from 4431.20), this is after coming from as low as ~71% end of January so I had a very good quarter. Hopefully we can continue this positive trend in Q2, but unfortunately, more often than not in forex, it’s not as easy as it seems.

Cryptocurrencies… Time will tell if this is done for or if we get a resurgence. It seems like it recovered a bit after the crash in 2018. This past quarter it recovered 77.25 – 64.85 = 12.40%.

As planned, I moved my money from Moneyou Plus to Medirect’s Fidelity savings account.

As a result, I now have “only” 12,500 EUR as a buffer which is still sufficient given my living situation (still with my parents).

Total portfolio deposits

When it comes to my personal achievements, not a whole lot has changed so far. At the beginning of the year, I moved my savings from the only bank Moneyou.be (part of ABN Amro NL) to Medirect for a higher savings rate. I didn’t move everything though. Instead, I deposited 10,000 EUR with Medirect and topped up my Lynx trading account with the remaining ~4,000 EUR. As a result, I reached 44% of my target portfolio deposit amount, i.e. 5,500 EUR of 12,500 EUR.

Average Savings Rate Target

A second important milestone is my Savings Rate (SR). I’m aiming for an average SR of 75% in 2019 and after three months I sit at 51,03%. The main reason I’m still below it is in large part because of February where I bought a new snowboard and paid my stay at a hotel near the Zillertal Glacier in Austria.