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 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||Savings & Effects (€)||All (€)||QoQ S&E % (€)||QoQ All %|
|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.
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 (%)|
- 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|
Divided by Financial instrument (in EUR)
|Cash||24.74 (0.02%)||-15,427.32 (100%)|
My stock positions
|Symbol||Description||Sector||Quantity||Close Price||Value||Cost Basis||Unrl. P&L||Base Value|
|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|
|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|
|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|
|HOMI||HOME INVEST BELGIUM||Real Estate||8||122.00||976.00||702.83||273.17||976.00|
|NNND||TENCENT HOLDINGS LTD||Technology||50||49.77||2,488.75||2,869.72||-380.97||2,488.75|
|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|
|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 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|
|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|
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
|Symbol||Description||Quantity||Average Price||Proceeds||Quantity||Average Price||Proceeds|
|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|
|NNND||TENCENT HOLDINGS LTD||25||51.91||-1,297.75||0||0.00||0.00|
|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|
|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|
|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|
|DDOG||DATADOG INC – CLASS A||Technology||35||178.11||6,233.85||6,359.45||-125.60||5,481.61|
|Total Stocks in EUR||33,552.53||31,918.35||1,634.18 (5.12)||33,552.53|
|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|
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.
|Nr.||Inception date||Description||Sector||Current Value||Cost Basis||Unrealized Profit/Loss||% Gain/Loss|
|1||September 2013||Dynamic pension savings fund||Broad||8,430.12||6,797.82||1,632.30||24.01|
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|
|1||March 2018||Bitcoin (BTC)||493.40||969.43||96.48|
|2||March 2018||Ethereum (ETH)||247.83||349.63||41.08|
|4||September 2020||Cardano (ADA)||51.95||49.77||-4.20|
|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||–|
|14||December 2020||NuCypher (NU)||0.00||0.60||–|
|15||December 2020||The graph (GRT)||0.00||0.65||–|
|17||December 2020||Polygon (MATIC)||0.00||2.55||–|
|18||December 2020||Amp (AMP)||0.00||1.23||–|
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|
|1||February 2021||Crypto.com (CRO)||3,373.64||11,696.93 |
|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||–|
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.
|Nr.||Inception date||Description||Deposits||Current Value||% Gain||Interest Rate|
|1||July 2018||Regulated limited high(er) interest savings account||2,920.86||2,931.19||0.354||0.01% (base rate) + 0.1% (fidelity premium)|
|2||June 2020||Regulated Deposit account||5,219.99||5,251.50||0.603||0.01% (base rate) + 0.1% (fidelity premium)|
|3||June 2020||Regulated Deposit account||48.67||48.67||0||0.01% (base rate) + 0.1% (fidelity premium)|
|4||June 2020||Regulated Deposit account||5,160.00||5,165.94||0.115||0.01% (base rate) + 0.1% (fidelity premium)|
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.
|Nr.||Inception date||Description||Paid so far||Estimated final value||Gain|
|1||28/06/2019||Apartment value||Land value (registration right)||133,000.00||408,428.30|
|Construction (incl. VAT)||215,679.10|
|Mortgage loan deed||3,203.73|
|Mortgage Mandate deed||868.24|
|Debt balance insurance||3,639.20|
|2||TBD||Fit and finish (e.g. furniture, curtains) (incl. VAT)||8,657.30||17,374.17|
|Nr.||Inception date||Description||Loaned amount||Paid off amount||% Paid off|
|1||20 February 2020||Mortgage Brussels apartment||-259,679.10||9,023.72||3.47|