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Quarterly Portfolio Report - Growing Stack Of Coins

Quarterly Portfolio Report – Q2 2020

Quarterly Portfolio Report
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

Last Updated on July 15, 2020 by Mr. FightToFIRE

USD rate used: 1 USD = 0.885514 EUR

-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.

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)
20Q2108,574.27-45,800.73+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

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent Value(Un)realized Profit/Loss% Gain/Loss
Total38,039.4340,366,05 2,326.62 6.116
AEDAEDIFICAReal estate4097.303,412.233,892.00479.7714.060
AED.CASHAEDIFICA CASH DIVIDEND PLACEHOLDERReal estate402.4897.2799.201.931.98
COFBCOFINIMMOFinancials40122.401,131.101,224.0092.908.213
SXRGISHARES MSCI US SML CAP ACCBroad10276.102,508.002,761.00253.0010.088
SXR1 (/CPXJ)ISHARES CORE MSCI PACIF X-JP ETFBroad15121.441,870.301,821.60-48.70-2.603
DX2JX MSCI EUROPE SMALL CAP ETFBroad5040.971,766.062,048.50282.4415.992
CSSX5E (/CSX5)ISHARES CORE EURO STOXX 50 ETFBroad10106.041,091.291,060.40-30.89 -2.831
HOMIHOME INVEST BELGIUMFinancials8117.50702.83940.00237.1733.7450
IUS3ISHARES S&P SMALL CAP 600Broad10049.105,369.044,910.00-459.05-8.55
KINKINEPOLISConsumer Cyclicals10040.254,301.634,025.00-276.63-6.431
RBOTISHARES AUTOMATION&ROBOTIC-A ETFBroad2907.681,766.172,228.65462.4826.185
SBIOINVESCO NASDAQ BIOTECH ETFBroad6038.582,054.452,314.80260.3512.672
SOFSOFINADiversified5235.00732.531,175.00442.4760.402
SPYD (/USDV)SPDR US dividend aristocratsBroad6544.593,067.952,898.35-169.60-5.528
SXR8
(/CSPX)
Ishares Core S&P500 UCITSBroad20274.054,856.995,481.00624.0112.848
UBIUBISOFT ENTERTAINMENTTechnology2073.401,543.861,468.00-75.86-4.913
XLVSSource HLTH care S&P US SECTBroad5403.711,767.712,018.55250.842.327

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.

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent ValueUnrealized Profit/Loss% Gain/Loss
Total6,523.708,369.231845.53 28.289
BABAAlibaba Group HoldingCommunications5215.70832.891078.50245.6129.488
CSKRISHARES MSCI KOREA USD ACCBroad10144.681,528.341,446.80-81.54-5.335
IBBISHARES NASDAQ BIOTECHNOLOGYBroad5132.61541.88663.05121.1722.361
IEMAISHARES MSCI Emerging Markets ACCBroad2832.331030.58905.10-125.48-12.175
NVDANVIDIA CORPTechnology13379.913131.894938.831806.94 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 dateCoinCost BasisCurrent Value% Gain/Loss
480.15211.85-55.88
1March 2018Bitcoin123.09134.068.91
2March 2018Litecoin357.0677.79-78.21

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

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Mr. FightToFIRE

I'm the owner and the main writer of FightToFIRE, a personal finance blog focussing on Financial Independence and Retiring Early. During the regular working hours, I'm a developer for a major financial institution in Belgium. During my off-hours, I write. do some weight lifting and other stuff to keep me healthy and fit.

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