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Quarterly Portfolio Report - Growing Stack Of Coins

Quarterly Portfolio Report – Q3 & Q4 2021

Last Updated on February 15, 2022 by Mr. FightToFIRE
0EUR
Total portfolio worth (all in)
+0EUR
Total portfolio worth (Savings & Effects)

While I still reported the first half of 2021, ever since my daughter came into my life, I lacked time to create a Q3 report. This report will thus be for the last half of 2021, i.e., Q3 and Q4.

Portfolio summary

Portfolio shuffle with excellent results for 2021

I said in Q2 that the pandemic was almost behind us; how wrong I was. The Omikron variant made us all realize otherwise. Interesting enough, this isn’t visible from my investments. Heck, 2021 was a stellar year for my investments thanks to a strong second half.

There are some important changes, though. I closed a couple of ETFs and reduced my position in some individual stocks. Nothing major, as my asset allocation, is still around 65% ETF / 35% stocks. As for the individual stocks I still have, Most of the growth stocks I picked aren’t doing too great. Especially my so-called “meme stocks” are blood red.

Crypto boom part 3

As for my other investments, such as my portfolio with Beobank and cryptocurrencies, well, they keep ongoing.

Thanks to m diversification into the crypto portfolio Crypto.com I added to my initial investment and now deposited €3678.57. I mainly did it to get the Jade Green crypto.com card after my amazing experience with Ruby Steel. It rocketed to the moon and is now worth over €11,000! I even reached €20,000 at one point.

Reevaluating my apartment’s value

As you may notice in the below table, I removed the past and current wealth numbers for all my assets, including the apartment. While doing this half-year review, I spotted some inconsistencies between what I said in the past and what I calculated now.

Because I only detected it last minute, I haven’t been able to rectify the miscalculated numbers everywhere, so I prefer to leave the table empty. But don’t worry, I will redo past posts and provide the correct picture asap.

Quarter-over-quarter progress

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 -35.62 (-32,418.46)
20Q2 108,574.27 +85.33 (+49,990.39)
20Q3 112,823.77 +3.913 (+4,249.50)
20Q4 121,496.24 +7.687 (+8,672.47)
21Q1 139,373.74 +17.714 (+17,877.50)
21Q2 150,417.46 +7.92382 (+11,043.72)
21Q3 – Q4 175,733.05 287,124.42 +16.8302 (+25,315.59)

Lynx portfolio overview

The last half of 2021 had an amazing run but right before the end it abruptly stopped. I even outperformed the Nasdaq 100 and IWDA up until November. However due to some individual stocks’ horrible performance last month it crashed in December.

My portfolio as a whole did better than VT so there’s that. Especially NVDA keeps going strong. Also KIN recovered nicely.

Performance in 2021

When we talk for the whole of 2021 I did better overall than all the aforementioned indexes. I gained 36.39% in 2021.

Cumulative Return of my Lynx portfolio in 2021
My personal portfolio at Lynx made excellent progress in with 36.39%.

The main contributor to this performance was Nvidia. It contributed 9.57% to these gains. Other noticeable performers were:

Top Performers Value CTR (%) Bottom Performers Value CTR (%)
NVDA 10,344.79 9.57 BABA 5,222.78 -2.14
CSPX 19,371.42 6.12 CRSR 3,233.08 -1.41
IUS3 10,793.90 3.45 FREQ 135.33 -1.27
KIN 2,466.00 3.33 PLTR 1,601.26 -0.91
GME 0.00 2.65 LMND 0.00 -0.90

Key statistics

  • Beginning NAV: 61,735.65
  • Deposits/Withdrawals: 20,500.00
  • Ending NAV: 107,613.32
  • Max Drawdown: 3.12%
  • Peak-To-Valley: Aug 21 – Sep 21
  • Sharpe Ratio: 2.16
  • Standard Deviation: 4.33%

Looking at the total value of my investment portfolio at the end of 2021, I finally went above €100,000:

  • 107,613.32 EUR (incl. cash)
    • Profit: 37,113.32 EUR or +52,643% from the total deposit (70,500 EUR).
    • QoQ Increase: 24.9218% (coming from 86,144.55 EUR)
    • Negative cash balance of -15,402.58 EUR
Divided by currency
Description Amount Amount in EUR
EUR stocks 100,016.54 EUR 100,016.54
USD stocks 26,155.55 USD 22,999.36
Total Stocks 123,015.90
Cash 15,402.58
Total 107,613.32
Divided by Financial instrument (in EUR)
Description Long Short
ETFs 81,035.62 (65.86%) 0
Stocks 41,980.28 (34.12%) 0
Cash 24.74 (0.02%) -15,427.32 (100%)
Total 107,613.32

My stock positions

Symbol Description Sector Quantity Close Price Value Cost Basis Unrl. P&L Base Value
ETFs (EUR)
CSPX ISHARES CORE S&P 500 Broad 45 430.48 19,371.42 12,565.39 6,806.03 19,371.42
DX2Jd X MSCI EUROPE SMALL CAP Broad 75 62.92 4,719.00 3,121.87 1,597.13 4,719.00
EQAC INVESCO NASDAQ 100 ACC Broad 65 247.00 16,055.00 14,927.62 1,127.38 16,055.00
IUS3 ISHARES S&P SMALL CAP 600 Broad 130 83.03 10,793.90 7,608.23 3,185.67 10,793.90
RBOT ISHARES AUTOMATION&ROBOTIC-A Technology 500 12.67 6,337.20 3,660.14 2,677.06 6,337.20
SXRG ISHARES MSCI US SML CAP ACC Broad 30 445.90 13,377.00 10,623.63 2,753.37 13,377.00
USDV SPDR US DIV ARISTOCRATS Broad 65 63.06 4,098.90 3,067.95 1,030.95 4,098.90
VWCE VANG FTSE AW USDA Broad 60 104.72 6,283.20 5,935.19 348.01 6,283.20
Total ETFs in EUR 81,035.62 61,510.02 19,525.60 81,035.62
Stocks (EUR)
AED AEDIFICA Real Estate 40 114.90 4,596.00 3,373.79 1,222.21 4,596.00
AED.DIVRT AEDIFICA – DIVRTS210615 Unclassified 40 1.49 59.67 0.00 59.67 59.67
ASML ASML HOLDING NV Technology 5 706.70 3,533.50 1,945.26 1,588.24 3,533.50
COFB COFINIMMO Real Estate 10 140.50 1,405.00 1,131.10 273.90 1,405.00
HOMI HOME INVEST BELGIUM Real Estate 8 122.00 976.00 702.83 273.17 976.00
KIN KINEPOLIS Consumer Cyclicals 45 54.80 2,466.00 998.87 1,467.13 2,466.00
NNND TENCENT HOLDINGS LTD Technology 50 49.77 2,488.75 2,869.72 -380.97 2,488.75
SOF SOFINA Financials 8 432.00 3,456.00 1,766.32 1,689.68 3,456.00
Total 18,980.92 12,787.88 6,193.04 18,980.92
Stocks (USD)
BABA ALIBABA GROUP HOLDING-SP ADR Technology 50 118.79 5,939.50 8,481.06 -2,541.56 5,222.78
CRSR CORSAIR GAMING INC Technology 175 21.01 3,676.75 5,915.58 -2,238.83 3,233.08
FREQ FREQUENCY THERAPEUTICS INC Healthcare 30 5.13 153.90 1,369.24 -1,215.34 135.33
NVDA NVIDIA CORP Technology 40 294.11 11,764.40 4,404.68 7,359.72 10,344.79
PLTR PALANTIR TECHNOLOGIES INC-A Technology 100 18.21 1,821.00 2,915.47 -1,094.47 1,601.26
RKT ROCKET COS INC-CLASS A Financials 200 14.00 2,800.00 3,894.81 -1,094.81 2,462.12
Total 26,155.55 26,980.84 -825.29
Total in EUR 22,999.36 23,725.07 -725.71 22,999.36
Total Stocks in EUR 41,980.28 36,512.95 5,467.33 41,980.28
Cash
EUR Euro Cash -11,489.55 1.00 -11,489.55 -11,489.55
HKD Hong Kong Dollar Cash 40.00 0.11 4.51 4.51
USD United States Dollar Cash -4,455.14 0.88 -3,917.53 -3,917.53
Total Cash in EUR -15,402.58 -15,402.58

Trading actions

I’m introducing a new section to more easily show my past transactions. The below table contains the trades I performed over the given period.

While my portfolio did excellent over the entire year, I decided to ditch three ETF’s that were merely shadowing the broader indexes instead of outperforming them:

  • SXR1 (/CPXJ) – ISHARES CORE MSCI PACIF X-JP
  • CSX5 – ISHARES CORE EURO STOXX 50
  • SBIO – INVESCO NASDAQ BIOTECH

Instead of these, I decided to focus on:

  • S&P 500
  • NASDAQ 100
  • US SMALL CAPS
  • VANGUARD FTSE ALL WORLD
Bought Sold
Symbol Description Quantity Average Price Proceeds Quantity Average Price Proceeds
ETFs (EUR)
CPXJ ISHARES CORE MSCI PACIF X-JP 0 0.00 0.00 -40 156.84 6,273.60
CSX5 ISHARES CORE EURO STOXX 50 0 0.00 0.00 -30 141.82 4,254.60
EQAC INVESCO NASDAQ 100 ACC 65 229.05 -14,888.00 0 0.00 0.00
IUS3 ISHARES S&P SMALL CAP 600 30 74.35 -2,230.50 0 0.00 0.00
SBIO INVESCO NASDAQ BIOTECH 0 0.00 0.00 -100 43.18 4,318.00
SXRG ISHARES MSCI US SML CAP ACC 10 459.00 -4,590.00 0 0.00 0.00
VWCE VANG FTSE AW USDA 60 98.50 -5,910.10 0 0.00 0.00
XLVS INVESCO US HEALTH CARE S&P 0 0.00 0.00 -8 520.30 4,162.40
Total -27,618.60 19,008.60
Stocks (EUR)
KIN KINEPOLIS 0 0.00 0.00 -80 53.00 4,240.00
NNND TENCENT HOLDINGS LTD 25 51.91 -1,297.75 0 0.00 0.00
SOF SOFINA 3 341.40 -1,024.20 0 0.00 0.00
Total -2,321.95 4,240.00
Stocks (USD)
BABA ALIBABA GROUP HOLDING-SP ADR 40 158.91 -6,356.35 0 0.00 0.00
CRSR CORSAIR GAMING INC 75 27.07 -2,030.00 0 0.00 0.00
NVDA NVIDIA CORP 0 0.00 0.00 -20 247.50 4,950.00
PLTR PALANTIR TECHNOLOGIES INC-A 25 24.20 -605.00 0 0.00 0.00
RKT ROCKET COS INC-CLASS A 75 15.43 -1,157.55 0 0.00 0.00
TSM TAIWAN SEMICONDUCTOR-SP ADR 0 0.00 0.00 -10 121.00 1,210.00
-10,148.90 6,160.00
Total in EUR -8,754.46 5,287.47
Total Stocks in EUR -11,076.41 9,527.47
Total (All Financial Instruments) in EUR -38,695.01 28,536.07

Actively managed portfolio CLOSED

My Beobank investment account made an amazing recovery which makes the return half-decent after almost 6 years.

And because I got more confident in sticking to my plan I decided to close this account and instead put it in a new Interactive Brokers account.

Ending my Beobank portfolio at a high was a good call. Taking dividends into account, my total return was 55.48% or 7.63% annual. I totaled 30,285.16 and in the end, I made €10,806.19 in profits. I was able to reinvest into a new Interactive Brokers account.

Interactive Brokers portfolio overview

I decided to go the opposite with my Interactive Brokers account. Instead of investing in (actively) traded funds, I’m going with a couple of individual stocks which I believe could perform well over the next years.

Since it’s a new portfolio a comparison between the last report and this report isn’t possible.
I did add 7.1554% to my initial investment.

My gains come from the following companies:

Symbol Description Sector Quantity Close Price Value Cost Basis Unrl. P&L (%) Base Value
Stocks (USD)
DDOG DATADOG INC – CLASS A Technology 35 178.11 6,233.85 6,359.45 -125.60 5,481.61
MSFT MICROSOFT CORP Technology 45 336.32 15,134.40 14,938.69 195.71 13,308.13
NVDA NVIDIA CORP Technology 57.083 294.11 16,788.68 15,000.35 1,788.33 14,762.79
Total 38,156.93 36,298.49 1,858.44
Total Stocks in EUR 33,552.53 31,918.35 1,634.18 (5.12) 33,552.53
Cash
EUR Euro Cash 675.92 1.00 675.92 675.92
USD United States Dollar Cash -2,367.52 0.88 -2,081.83 -2,081.83
Total Cash in EUR -1,405.91 -1,405.91
Total in EUR 32,146.62

Pension fund

My pension fund fluctuated a bit to the upside 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 24.01% profit.

Alternative investments

I call them investments, but they are more like speculative positions and with good reason.

The last half of 2021 saw both a strong run and a subsequent decline in crypto. At the present time (09/02/2022) it seems that they are starting to climb back up ever so slightly, though it’s without much strength for now but still with high volatility.

Because of this increased volatility, I report my crypto at the time of writing. Funny enough, this is a similar level as at the end of July for my coinbase account. My crypto.com account on the other hand, what a run that had!

I’m ecstatic with my choice because Crypto.com’s coin, CRO, gave me spectacular gains, as you can see in the table below.

P.S.: see the coins with 0.00? That means I withdrew my initial investment and have no risk attached to them anymore it also means I can’t calculate a percentage gain or loss as it’s pure profit.

Coinbase cryptocurrency account

Nr. Inception date Coin Cost Basis Current Value % Gain/Loss
607.32 1,431.53 135.713
1 March 2018 Bitcoin (BTC) 493.40 969.43 96.48
2 March 2018 Ethereum (ETH) 247.83 349.63 41.08
3 January 2021 LiteCoin (LTC) 62.44 99.71 59,68
4 September 2020 Cardano (ADA) 51.95 49.77 -4.20
6 September 2020 Maker (MKR) 0.00 30,26
7 November 2020 Ankr (ANKR) 0.00 0.76
8 November 2020 Filecoin (FIL) 0.00 3.56  –
9 January 2021 Algorand (ALGO) 0.00 18.74  –
10 January 2020 Cosmos (ATOM) 5.19 30.76 492.68
11 December 2020 EOS (EOS) 0.00 3.85
12 December 2020 Fetch (FET) 0.00 2.95
13 December 2020 Celo (CGLD) 9.85 12.43 26.193
14 December 2020 NuCypher (NU) 0.00 0.60
15 December 2020 The graph (GRT) 0.00 0.65
16 December 2020 Skale (SKL) 0.00 1.62
17 December 2020 Polygon (MATIC) 0.00 2.55
18 December 2020 Amp (AMP) 0.00 1.23

Crypto.com

Did I already mention the amazing gains of this portfolio?

Thanks to my stake in CRO my crypto.com portfolio jumped from €1,469.81 at the end of Q2 to €12,714.16 now. Including the new deposits, I gained  245.63%.

Nr. Inception date Coin Cost Basis Current Value % Gain/Loss
3,678.57 12,714.16 245.63
1 February 2021 Crypto.com (CRO) 3,373.64 11,696.93

(DEFI: 595.92)

246.715
2 February 2021 Bitcoin (BTC) 517.91
3 February 2021 Solana (SOL) 100.87
4 February 2021 Cardano (ADA) 3.03 171.72 466.73
5 February 2021 Internet Computer (ICP) 207.45 104.98 -50.60
6 April 2021 Binance (BNB) 26.42
7 Crypto dust 0,88
Euro (EUR) 94.45 94.45 /
CRYPTO.com Logo

Crypto.com Debit Card

Also interested in starting your crypto adventure?

If you want to earn crypto for every real-life purchase you make, give crypto.com a try.

Start off with 25$ by using my referral link. I will receive 25$ as well.

Savings accounts

In Q3 and Q4 I transferred a total of 10,000 out of my savings account into my Lynx investment account. I didn’t do anything else besides that though it does have a large impact on my savings obviously.

The main reason is that I didn’t see a reason to keep that much in my savings account.

Curve Logo

Curve debit MasterCard

Tired of carrying around all your Visa or MasterCard debit and credit cards? Check out Curve, the only card you need for all your purchases.

Not sure? Read my review first.

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 a liability, so I made two tables.

One table has my (growing) asset. The apartment which will increase as I pay for the construction and other things linked to the appartment. Unlike previous quarters, this time I took apart my payments for full transparancy. All prices you see are incl. 21% VAT unless excempt by definition (which are deposits). I do keep furniture separate as it’s a depreciating asset.

Over the years the estimated value will also change based on new estimations, but for now I leave them based on still to pay construction costs and a guestimate of 7K for furniture.

The other table contains the liability, my mortgage, that I will pay off month by month in the form of a principal payment + some interest.

All prices are in euro.

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
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