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Quarterly Portfolio Report - growing stack of coins

Quarterly Portfolio Report – Q2 2020

Last Updated on May 12, 2021 by Mr. FightToFIRE
-0EUR
Total portfolio worth (all in)
+0EUR
Total portfolio worth (Savings & Effects)

Quarter two was just as much of a thrill ride as Q1, but in reverse. We went from a bear market to new highs in a matter of weeks instead of months or years. The question is though, is this move sustainable? For the moment the sharp recovery results in an excellent recovery of my portfolio across the board.

V-shaped recovery?

Even though the lockdown because of Corona caused a bit of delay in the construction of my apartment, but not that much. They had to wait 3 weeks anyway for the concrete to harden and this was right in the middle of the lockdown. At worst, they have a minor delay of about two to three weeks.

Another recovery that came fast was that of the market. In just three months, we went from a drop of over 20% to new highs for some stocks and indices. A v-shaped recovery, as they call it.

Not every stock or index recovered right away. If I look at my Aedifica (ticker: AED) shares I see a decent recovery, but we are only about halfway from recent highs. From a high of 136.40 in February we went all the way down to 66.80 to recover to now 96.60 (at the time of writing).
Recovering isn’t what all stocks did. AED and other stocks are still climbing out of the depths of the bear market, but overall my portfolio has gained a lot. Let us have a look at how much exactly.

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

Windfall pt. II

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.

I never expected I would have to write about a windfall again so soon. After the tax deduction and subsequent 87% Savings Rate in March, I received a part of my grandmother’s inheritance in May. This gave me a savings rate of 93% in May. An all-time high!

Just like the tax deduction, I didn’t use all the inheritance, but I split it up and placed the money piles in separate savings accounts. You can find them at the bottom of this post.

100,000 EUR milestone (excl. mortgage)

Thanks to this extra small windfall, my personal portfolio and savings increased with leaps and bounds. I broke through 100K in investments! The big jump comes from the tax deduction I deposited into my personal investment account and my grandmother’s windfall that got put into new savings accounts.

To clarify once more, the big drop last quarter came from the move of about 25K in cash into my apartment. As I give an overview with and without my real estate, it means that this 25K is “lost” in my table. You can see this distinction in the table.

Quarter Savings & Effects (€) All (€) QoQ S&E % (€) QoQ ALL % (€)
18Q3 50,251.59
18Q4 56,811.63 +13.054 (+6,560.04)
19Q1 65,722.80 +15.68 (+8,911.18)
19Q2 76,618.85 +16.58 (+10,896.05)
19Q3 83,709.46 +9.25 (+7,090.61)
19Q4 91,002.34 +8.71 (+7,292.88)
20Q1 58,583.88 -95,791.12 -35.62 (-32,418.46)
20Q2 108,574.27 -45,800.73 +85.33 (+49,990.39) 52.186% (49,990.39)

Personal portfolio overview

First, let us take a look at my personal portfolio. Thanks to a sharp recovery of the stock market it’s now at +6.116%. This increase is thanks to two deposits of 7,500 EUR and 10,000 EUR respectively. It brings my total invested capital to 50,000 EUR for my personal portfolio.

With these two deposits, my negative account balance is restored and I won’t be paying any margin anymore. While this margin cost me a bit of money over the past three months, thanks to the timing of it I actually made a profit.

At the moment my portfolio is worth 54,545.29 EUR. As I deposited 50K, my current profit is 4,545.29 EUR or an increase of 9.0905%.

EUR stocks

Symbol Description Sector Quantity Close Price Cost Basis Current Value (Un)realized Profit/Loss % Gain/Loss
Total 38,039.43 40,366,05  2,326.62  6.116
AED AEDIFICA Real estate 40 97.30 3,412.23 3,892.00 479.77 14.060
AED.CASH AEDIFICA CASH DIVIDEND PLACEHOLDER Real estate 40 2.48 97.27 99.20 1.93 1.98
COFB COFINIMMO Financials 40 122.40 1,131.10 1,224.00 92.90 8.213
SXRG ISHARES MSCI US SML CAP ACC Broad 10 276.10 2,508.00 2,761.00 253.00 10.088
SXR1 (/CPXJ) ISHARES CORE MSCI PACIF X-JP ETF Broad 15 121.44 1,870.30 1,821.60 -48.70 -2.603
DX2J X MSCI EUROPE SMALL CAP ETF Broad 50 40.97 1,766.06 2,048.50 282.44 15.992
CSSX5E (/CSX5) ISHARES CORE EURO STOXX 50 ETF Broad 10 106.04 1,091.29 1,060.40 -30.89  -2.831
HOMI HOME INVEST BELGIUM Financials 8 117.50 702.83 940.00 237.17 33.7450
IUS3 ISHARES S&P SMALL CAP 600 Broad 100 49.10 5,369.04 4,910.00 -459.05 -8.55
KIN KINEPOLIS Consumer Cyclicals 100 40.25 4,301.63 4,025.00 -276.63 -6.431
RBOT ISHARES AUTOMATION&ROBOTIC-A ETF Broad 290 7.68 1,766.17 2,228.65 462.48 26.185
SBIO INVESCO NASDAQ BIOTECH ETF Broad 60 38.58 2,054.45 2,314.80 260.35 12.672
SOF SOFINA Diversified 5 235.00 732.53 1,175.00 442.47 60.402
SPYD (/USDV) SPDR US dividend aristocrats Broad 65 44.59 3,067.95 2,898.35 -169.60 -5.528
SXR8
(/CSPX)
Ishares Core S&P500 UCITS Broad 20 274.05 4,856.99 5,481.00 624.01 12.848
UBI UBISOFT ENTERTAINMENT Technology 20 73.40 1,543.86 1,468.00 -75.86 -4.913
XLVS Source HLTH care S&P US SECT Broad 5 403.71 1,767.71 2,018.55 250.84 2.327

USD stocks

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.

All my stocks, so also my dollar ones, improved quite a bit. Especially NVDA is performing stellar with a gain of 58%!
I don’t have a lot of Dollar stocks and I reduced it even more by selling IBB. While it was performing well, I want to reduce the complexity a bit by selling this stock that I also have in EUR through SBIO. As a result of selling IBB, I realized a profit of 121.17 EUR.

Symbol Description Sector Quantity Close Price Cost Basis Current Value Unrealized Profit/Loss % Gain/Loss
Total 6,523.70 8,369.23 1845.53  28.289
BABA Alibaba Group Holding Communications 5 215.70 832.89 1078.50 245.61 29.488
CSKR ISHARES MSCI KOREA USD ACC Broad 10 144.68 1,528.34 1,446.80 -81.54 -5.335
IBB ISHARES NASDAQ BIOTECHNOLOGY Broad 5 132.61 541.88 663.05 121.17 22.361
IEMA ISHARES MSCI Emerging Markets ACC Broad 28 32.33 1030.58 905.10 -125.48 -12.175
NVDA NVIDIA CORP Technology 13 379.91 3131.89 4938.83 1806.94  57.694

Actively managed portfolio

Just like my personal portfolio recovered, so did my Beobank investment account. I’m back in the green with an increase of 4 176,79 EUR. This is a positive return of 11.04% which in turn is a massive rise of 23.16%.

Pension fund

As with my other portfolios, the pension fund recovered nicely though not as much.

Important with this portfolio is that I stopped the automatic deposit. I will not add to this account and most likely will leave it alone as of now. I’d even dare to say that I will let it alone till my retirement.

Anyhow, it made an increase of 811.05 EUR or 12.92%. I’m now at 4.25% profit.

Alternative investments

I call them investments but they are more like speculative positions. This is with good reason. This quarter was full of ups and downs.
I took this as a calculated risk (especially the cryptocurrency one) expecting to reap the benefits in the longer term but for now it’s not going anywhere.

Coinbase cryptocurrency account

My crypto wallet keeps fluctuating around the same price range of 200 ~ 225 EUR.

Nr. Inception date Coin Cost Basis Current Value % Gain/Loss
480.15 211.85 -55.88
1 March 2018 Bitcoin 123.09 134.06 8.91
2 March 2018 Litecoin 357.06 77.79 -78.21

Savings accounts

After putting 90% of the money received in my personal portfolio I left the rest in my checking account. Now that I have received my grandmother’s inheritance I increased my emergency fund as planned. Including my previous savings account amount of 2,526.37 EUR, my new emergency fund is larger than ever: 24,521.48 EUR; Large enough to cover unforeseen expenses to the apartment in the future.

 

Real estate portfolio

I know you can’t combine the cash I already put into the apartment and the mortgage since one is an asset and the other one a liability so I made two tables. One has my (growing) asset, the apartment. The other table contains the liability, my mortgage, that I will pay off month by month.

For the moment nothing is changing here since I have started paying off my mortgage. I opted for a deferred payment so for now I only pay interest. This will change once we actually move or when I feel comfortable enough to carry both rent and my mortgage payment.

Asset

Liability

I'm a developer for a major financial institution in Belgium that is present in over 40 countries. I have over 8 years of working experience in the development of customer applications focussing on all aspects of banking. This helped me gain a deep understanding of the inner workings of a commercial bank. All of this experience in both banking and life culminates in this blog about personal finance and my fight towards FIRE.

Quarterly Portfolio Reports
1. Quarterly Portfolio Report – Q3 2018
2. Quarterly Portfolio Report – Q4 2018
3. Quarterly Portfolio Report – Q1 2019
4. Quarterly Portfolio Report – Q2 2019
5. Quarterly Portfolio Report – Q3 2019
6. Quarterly Portfolio Report – Q4 2019
7. Quarterly Portfolio Report – Q1 2020
8. Quarterly Portfolio Report – Q2 2020
9. Quarterly Portfolio Report – Q3 2020
10. Quarterly Portfolio Report – Q4 2020
11. Quarterly Portfolio Report – Q1 2021
12. Quarterly Portfolio Report – Q2 2021
13. Quarterly Portfolio Report – Q3 & Q4 2021
14. Yearly Portfolio Report – 2022
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