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Quarterly Portfolio Report – Q4 2019

Quarterly Portfolio Report – Q4 2019

Post Series: Quarterly Portfolio Report

Last Updated on: by

USD rate used: 1 USD = 0.89487 EUR

Total portfolio worth (excl. mortgage)

The last quarter of 2019 continued where Q3 stopped, on a high note. The amazing experiences continued and the market kept performing stellar and kept making new highs.

It ended with an all-time high for my personal portfolio. An amazing performance of my personal portfolio almost always means a top-notch performance of my other managed portfolio as well. This quarter was no different as you will see.

Mortgage secured

Where in the third quarter I still had to find and sign the papers of a mortgage, in Q4 I actually secured one. I was able to get the 280,000 EUR mortgage at a rate of 1.47% with a total yearly cost Annual Percentage Rate (APR) of 1.825%.

As promised, as of now I will have a separate section for my real estate.

I would like your opinion on how I should handle this big change in net worth.

How should I go about showing the mortgage and the inheritance?

Please help me and cast your vote in the poll below:

For my mortgage and inheritance I should...

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Declining Savings Rate

This last quarter also made clear that living on my own created a massive decline in my Savings Rate. I see it as a challenge to get as close as possible to my old SR before I moved out of my parents’ house.

Luckily, even with a declining SR and a focus on real estate, my net worth grew 8.71% this quarter.
This includes the money I set aside myself for my apartment but not the inheritance or the value of the apartment.

QuarterAmount (€)QoQ (%)QoQ (€)
Receiving the keys to our own home
Always a big moment, receiving the keys to your own place. Hopefully that is not too far away for me.

Personal portfolio overview

The recovery continued this quarter so my portfolio reached 16.82% which is solid increase of 7.55%.
I now have a total personal portfolio of 29,361.55 EUR (incl. cash).

This is all thanks to the continued bull market. All but three stocks are now in solid green.
I have some cash left: 49.53 EUR.

EUR stocks

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent ValueUnrealized Profit/Loss% Gain/Loss
AEDAEDIFICAReal estate22113.401,676.742,494.80818.0648.79
C(S)E(M)USISHARES MSCI EMU SML-C ACC ETFBroad3217.05606.78651.1544.377.31
SXR1ISHARES CORE MSCI PACIF X-JP ETFBroad10140.881,173.471,408.80235.3320.05
DX2JX MSCI EUROPE SMALL CAP ETFBroad2049.05861.98981.10119.11 13.82
CSSX5EISHARES CORE EURO STOXX 50 ETFBroad3122.00311.57366.0054.4317.47
HOMIHOME INVEST BELGIUMFinancials8114.50702.83916.00213.1730.33
IUS3ISHARES S&P SMALL CAP 600Broad4061.072,268.462,442.80174.347.69
KINKINEPOLISConsumer Cyclicals2559.201,356.701,480.00123.319.09
RBOTISHARES AUTOMATION&ROBOTIC-A ETFBroad1577.681,014.481,205.45190.9718.82
SBIOINVESCO NASDAQ BIOTECH ETFBroad3034.95923.301,048.65125.3513.58
SOFSOFINADiversified5194.60732.53973.00240.47 32.83
SPYDSPDR US dividend aristocratsBroad4353.342042.132,293.62251.4912.32
SXR8Ishares Core S&P500 UCITSBroad14288.693,366.924,041.66674.7420.04
UBIUBISOFT ENTERTAINMENTTechnology1361.401,105.43798.20-307.23-27.79
XLVSSource HLTH care S&P US SECTBroad7417.282,452.532,920.96468.4319.10

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, made great profits!
Coming from -11,27% I made a huge increase 8.69%. In other words I gained 11.27 + 8.69 = 19.96%.

SymbolDescriptionSectorQuantityClose PriceCost BasisCurrent ValueUnrealized Profit/Loss% Gain/Loss
BABAAlibaba Group HoldingCommunications5215.47832.891077.35244.4629.35
CSKRISHARES MSCI KOREA USD ACCBroad5155.90887.58779.50-108.08