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Quarterly Portfolio Report - Growing Stack Of Coins

Quarterly Portfolio Report – Q3 2020

Last Updated on October 22, 2020 by Mr. FightToFIRE
-0EUR
Total portfolio worth (all in)
+0EUR
Total portfolio worth (Savings & Effects)

The third quarter is already more than 2 weeks behind us but due to an increasing workload and my Spanish classes, I wasn’t able to get to my quarterly report. Luckily I found some time so let us jump right into it!

I’ll be honest, in terms of progress, there isn’t much to report, which given the last two quarters, is a good thing. After those large deposits, I decided to keep most of my income in my savings account. This is a temporary situation as I first want to have my Brussels’ apartment finished.

Even though it makes sense to borrow as much as you can, given the uncertain times, I plan to borrow a bit less than I’m allowed. The target is 265,000 EUR instead of the original 280,000 EUR. This will allow me to keep the monthly mortgage lower and once the time comes to rent it out, I have a higher chance of getting positive cash flow out of it. While it remains theory till we move out of the apartment and have the first renters, even now with corona I still expect a positive result.

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

Status Quo

As said, after the huge windfalls earlier this year, I kept what I saved in my checking account at least until I moved into our new apartment.

As a result, this quarter is basically a status quo for my portfolio with only the whims of the market moving it.

Let us dive in!

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)
20Q3 112,823.77 -41,551.23 +3.913 (+4,249.50) 9.278% (4,249.5)

Personal portfolio overview

The market recovery continued but not on equal terms. Especially Kinepolis, a movie theater company, is still at a multi-year low. At least my (bio)tech stocks are doing great with NVDA taking the lead. I didn’t do any deposits so any change is all thanks to the market movements and some dividends:

  • IUS3: 100 x 0.26 = 26.43 EUR
  • NVDA: 15 x 0.14 = 2.06 EUR
  • USDV: 65 x 0.28 = 18.29 EUR
  • TOTAL = 46.77 EUR

I did shift my portfolio a bit by finally selling my CSKR shares! I made a little profit out of it but my main goal was to get rid of this useless tracker. Instead, I invested more in existing positions:

I also sold and bought Nvidia:

All of these transactions gives me the following status:

  • 56,905.14
    • Profit: 6,905.14 EUR or an increase of 13.8103%.
    • Increase: 4.33% over the previous quarter

EUR stocks

Symbol Description Sector Quantity Close Price Cost Basis Current Value (Un)realized Profit/Loss % Gain/Loss
Total 47,801.14 50,080.91  2,279.77  4.7692
AED AEDIFICA Real estate 40 104.20 3,412.23 4168.00 755.77 22.15
AED.CASH AEDIFICA CASH DIVIDEND PLACEHOLDER Real estate 40 2.48 97.27 99.20 1.93 1.98
COFB COFINIMMO Financials 10 128.20 1,131.10 1,282.00 150.90 13.34
SXRG ISHARES MSCI US SML CAP ACC Broad 10 283.00 2,508.00 2,830.00 322.00 12.84
SXR1 (/CPXJ) ISHARES CORE MSCI PACIF X-JP ETF Broad 25 119.14 3,057.72 2,978.50 -79.22 -2.59
DX2J X MSCI EUROPE SMALL CAP ETF Broad 50 43.55 1,766.06 2,177.25 411.19 23.28
CSSX5E (/CSX5) ISHARES CORE EURO STOXX 50 ETF Broad 30 106.32 3,307.94 3,189.60 -118.34  -3.58
HOMI HOME INVEST BELGIUM Financials 8 118.00 702.83 944.00 241.17 34.31
IUS3 ISHARES S&P SMALL CAP 600 Broad 100 48.91 5,369.04 4,891.50 -477.55 -8.89
KIN KINEPOLIS Consumer Cyclicals 100 30.30 4,301.63 3,030.00 -1,271.63 -29.56
RBOT ISHARES AUTOMATION&ROBOTIC-A ETF Broad 400 8.21 2637.92 3,283.60 645.68 24.48
SBIO INVESCO NASDAQ BIOTECH ETF Broad 60 37.20 2,054.45 2,232.30 177.85 8.65
SOF SOFINA Diversified 5 233.00 732.53 1,165.00 432.47 59.04
SPYD (/USDV) SPDR US dividend aristocrats Broad 65 43.62 3,067.95 2,834.98 -232.97 -7.59
SXR8
(/CSPX)
Ishares Core S&P500 UCITS Broad 35 289.26 9,084.69 10,124.10 1,039.41 11.44
UBI UBISOFT ENTERTAINMENT Technology 20 77.06 1,543.86 1,541.20 -2.66 -0.17
XLVS Source HLTH care S&P US SECT Broad 8 413.71 3,025.91 3,309.68 283.77 9.37

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. This is why I sold a bit at the peak and bought back at a lower price. In the meantime, it’s already up again 🙂 .
I don’t have a lot of Dollar stocks and I reduced it even more by selling CSKR (finally!). As a result of selling CSKR, I realized a minor profit of 66.46 EUR (after commission and conversion to euro).

Symbol Description Sector Quantity Close Price Cost Basis Current Value Unrealized Profit/Loss % Gain/Loss
Total 4,788.41 7,882.12 3093.71  64.61
BABA Alibaba Group Holding Communications 5 293.98 832.89 1469.90 637.01 76.374
CSKR ISHARES MSCI KOREA USD ACC Broad -10 161.36 1,528.34 1,613.60 85.26 (-6,28 commission) 5.5786
IEMA ISHARES MSCI Emerging Markets ACC Broad 28 35.72 1030.58 1,000.02 -30.56 -2.965
NVDA NVIDIA CORP Technology 10 541.22 2924.94 5412.20 2487.26  85.036

Actively managed portfolio

My Beobank investment account made a decent increase but the average return is below average after more than 4 years.

I now have a positive return of 22.13%. This means my an annualized return of 5.12%. Not super low, but given the past years, anything but stellar.

Pension fund

As with my other portfolios, the pension fund fluctuated a bit but nothing major.

Important of 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.

I’m now at 7.38% 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 climbed a bit higher thanks to free cryptos I received after answering some questions on Coinbase. Will they be worth something in the future? Who knows, but for now they are worth some euros. Thanks to these free cryptos I’m a bit less in red :).

Nr. Inception date Coin Cost Basis Current Value % Gain/Loss
509.61 300.15 -41.10
1 March 2018 Bitcoin 123.09 179.32 45.682
2 March 2018 Litecoin 357.06 93.52 -73.80
3 September 2020 Stellar Lumens (XLM) 8.42 9.16 8.419
3 September 2020 EOS (EOS) 8.44 8.25 -2.25
3 September 2020 Celo (CLGD) 5.01 4.99  -0.40
3 September 2020 Compound (COMP) 7.59 4.91 -35.31

Savings accounts

Nothing new to report here. Just received a bit of interest on the money I have in my savings accounts. My emergency fund is larger than ever: 24,542.05 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.

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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
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Marc Moore

Even if you didn’t invest any extra a 4000 EUR gain is really nice!
And if you look at the total in just 2 years since you started tracking you have grown a huge amount. Well done!

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