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Quarterly Portfolio Report – Q3 2019

Quarterly Portfolio Report – Q3 2019

Post Series: Quarterly Portfolio Report

Last Updated on: by

USD rate used: 1 USD = 0.9112 EUR

Total portfolio worth

What a quarter! The third quarter of 2019 finished almost two weeks ago now. I’m not exaggerating when I say this was a life-changing period for me.
Two major changes took place: I moved out and live with my girlfriend, and I signed the sales contract (AKA “compromise”) for my very own apartment in the center of Brussels. These decisions had a huge impact on my net worth for several reasons.

From cash to asset

The purchase created the biggest impact. I had the 17,625 EUR moved from my cash account (10,000 savings + 7,625 checking) to an illiquid asset, my apartment. More importantly, 100,000 EUR of ~ 420K cost is covered by an inheritance.
I will of course not get this as cash but it will directly pay a part of the apartment.

As it is part of my assets, it’s part of my net worth. While a positive effect on my net worth, the other side is that I still have to finance roughly 280K (420K – 100K – 40K (20K in projected future savings) = ~280K). This will happen through a mortgage which I’m in the process of getting.

This in theory will push me well into negative net worth. To keep things clear, I will have the mortgage and the inheritance as a separate part of my quarterly overviews.

My first home

A second reason that caused a shift in my net worth is moving out of my parents’ home and living at my own rental apartment together with my girlfriend. Before we could move into our own place, we had to transfer 3 months of rent or 1835 EUR, into a dedicated and locked savings account. I will get the money (+ interest back) once we move out.

The impact

With all of that said, I can look at a net worth growth of 8.75% this quarter.
To be clear, this includes deposits but not my debit account.

QuarterAmount (€)QoQ (%)QoQ (€)
Money saving, Hand putting coin in glass jar with coins inside For now and future money. Concept of saving money for future.
Money saving for the future.

Personal portfolio overview

The recovery continued this quarter so my portfolio reached 8.97% which is solid increase of 7.69%.
I now have a total personal portfolio of 27,225.03 EUR (incl. cash).

This is all thanks to the nice recovery the market made, especially my euro stocks and mainly my ETF’s over the last three months and some dividends. The cash I have left is 83.64 EUR.

EUR stocks

SymbolDescription.5SectorQuantityClose PriceCost BasisCurrent ValueUnrealized Profit/Loss% Gain/Loss
AEDAEDIFICAReal estate22106,201,676.742,336.40659.6639.34
AED.DIVAEDIFICA – unlisted couponReal estate202.3846.7747.600.831.77
CSEMUSISHARES MSCI EMU SML-C ACC ETFBroad3198.70606.78596.10-10.68-1.76
SXR1ISHARES CORE MSCI PACIF X-JP ETFBroad10135.861,173.471,358.60185.1315.77
DX2JX MSCI EUROPE SMALL CAP ETFBroad2043.39861.98867.805.81 0.68
CSSX5EISHARES CORE EURO STOXX 50 ETFBroad3114.84311.57344.5232.9510.57
HOMIHOME INVEST BELGIUMFinancials8116.50702.83932.0229.1732.60
IUS3ISHARES S&P SMALL CAP 600Broad4057.822,268.462,312.8044.341.95
KINKINEPOLISConsumer Cyclicals2556.401,356.701,410.0053.317.15
RBOTISHARES AUTOMATION&ROBOTIC-A ETFBroad1576.931,014.481,087.8573.377.23
SBIOINVESCO NASDAQ BIOTECH ETFBroad3029.09923.30872.85-50.45-5.46
SPYDSPDR US dividend aristocratsBroad4351.902042.132,231.70189.579.28
SXR8Ishares Core S&P500 UCITSBroad14270.003,366.923,780.00413.0812.27
UBIUBISOFT ENTERTAINMENTTechnology1166.34990.41729.74-260.67-26.32
XLVSSource HLTH care S&P US SECTBroad7372.232,452.532605.61153.086.24

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.

Unfortunately, unlike my euro stocks this quarter, my dollar-based stocks actually got worse.
Coming from -5,32% I made a small decline to -11.27%. In other words I lost -11.27 – (-5.32) = 5,95%.

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent ValueUnrealized Profit/Loss% Gain/Loss
BABAAlibaba Group HoldingCommunications5167.23832.89836.163.260.39
CSKRISHARES MSCI KOREA USD ACCBroad5136.76887.58683.80-203.78-22.95