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Quarterly Portfolio Report – Q1 2020

Quarterly Portfolio Report – Q1 2020

Post Series: Quarterly Portfolio Report

Last Updated on: by

USD rate used: 1 USD = 0.9209908 EUR

-0EUR
Total portfolio worth (all in)
+0EUR
Total portfolio worth (Savings & Effects)

The first quarter of 2020 was a thrill ride. Especially March turned out to be crazy. When you compare it to Q4, all my investments took a nosedive. From an all-time high for my personal portfolio to a new low.

First interest paid

now that I have my mortgage secured I also started paying my interest. Since I took a deferment of payment I don’t have to pay the principal amount and only the interest. this helps reduce the monthly costs until I move. Since a deferment of payment is limited in time -18 months- it’s best that the apartment is done within that time frame. Of course, now with the coronavirus crisis in full effect, we’ll have to see how much delay the construction experienced once the crisis is over and construction can continue without obstruction.

Coronavirus tips
Wash your hands and cover your mouth when sneezing using your elbow or a paper throwaway tissue.

Windfall

Money saving, Hand putting coin in glass jar with coins inside For now and future money. Concept of saving money for future.
I will use these windfalls to make sure I’m covered for future expenses.

Not only my portfolios took a hit. In this first quarter, my Savings Rate got trashed just as hard. One thing saved this quarter. Thanks to a windfall in the form of a tax deduction, I reached 87% in March. Together with my first two Savings Rates, I’m at an average of 44.32%.
My net worth could have taken less of a beating if I used all of tax money, but to play it save I left a good chunk on my checking account for later use. It’s why you won’t see it anywhere in this overview and only in my SR.

Besides the tax deduction, I received 100k EUR for the apartment. It’s already transferred to the notary since the sales agreement stipulated this was needed before I could sign.

Balance sheet? Creating a clearer picture

This inheritance and the apartment would skew my overview, so I did the following. One figure (ALL) includes the inheritance and the value of the apartment, my portfolios, and my savings accounts. The other (Savings & Effects) is without the apartment and just my investment portfolios and savings accounts. As a result, you will see my net worth take a huge drop.

In the overview below, you see this in table form. I’ll probably adjust my portfolio view later, but for now, this will do. This split gives the extra perverse effect that my total worth declined by an extra 25,625 EUR -next to the loss incurred by the market- or the amount I already put in the apartment myself, but yeah, it’s just on paper and I’m not a bookkeeper so this is what I could come up. Do enlighten me if you know a better way of handling this. Maybe a balance sheet?

QuarterSavings & Effects (€)All (€)QoQ S&E % (€)QoQ ALL % (€)
18Q350,251.59
18Q456,811.63+13.054 (+6,560.04)
19Q165,722.80+15.68 (+8,911.18)
19Q276,618.85+16.58 (+10,896.05)
19Q383,709.46+9.25 (+7,090.61)
19Q491,002.34+8.71 (+7,292.88)
20Q158,583.88-95,791.12-35.62 (-32,418.46)

Personal portfolio overview

The recovery of last quarter was completely undone, and then some. My personal portfolio is now at -8.512%. This decrease is due to a deposit of 7,500 EUR. It brings my total invested capital to 32,500 EUR for my personal portfolio.

While I only have 32,500 EUR of my own money invested, my actual investment in the market is 39,252 EUR. This value comes from the margin I’m using which is worth |6,149.63 EUR|.

At the moment my portfolio is worth 35,883.30 EUR incl. this margin. So deducting that margin, my actual net result is in fact 29,733.68 EUR.

Coming from 29,361.55 EUR this is a theoretical increase of 1.267%.

EUR stocks

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent Value(Un)realized Profit/Loss% Gain/Loss
Total32,766.3429,681.42-3,084.94-9.414
AEDAEDIFICAReal estate4092.303,509.493,692.00182.515.200
COFBCOFINIMMOFinancials10117.001131.101,170.0038.903.439
C(S)E(M)USISHARES MSCI EMU SML-C ACC ETFBroad3218.25598.68654.7541.199.365
SXR1ISHARES CORE MSCI PACIF X-JP ETFBroad15105.501,870.301,582.50-287.80-15.388
DX2JX MSCI EUROPE SMALL CAP ETFBroad5033.791,766.061,689.50-76.56-4.335
CSSX5EISHARES CORE EURO STOXX 50 ETFBroad1087.311,091.29873.10-218.19-19.993
HOMIHOME INVEST BELGIUMFinancials8108.50702.83868.00165.1723.500
IUS3ISHARES S&P SMALL CAP 600Broad10039.665,369.043,966.00-1,403.05-26.132
KINKINEPOLISConsumer Cyclicals8532.553,693.522,766.75-926.78-25.092
RBOTISHARES AUTOMATION&ROBOTIC-A ETFBroad2905.801,766.171,682.00-84.17-4.766
SBIOINVESCO NASDAQ BIOTECH ETFBroad3031.09923.30932.559.251.001
SOFSOFINADiversified5192.60732.53963.00230.4731.462
SPYDSPDR US dividend aristocratsBroad4339.452,042.131,696.57345.56-16.92
SXR8Ishares Core S&P500 UCITSBroad20230.834,856.994,616.60-240.39-4.949