Q1 2021 ends much like last year's Q1 ended in the middle of a pandemic. One full year of the corona pandemic; crazy to think a year ago, it all started. Now with the first quarter of 2021 finished, it's time to take another look at my portfolio and see how it faired during these challenging times. Did my portfolio continue to rocket to the moon, or did it orbit a bit and crash back down?
Last Updated on January 25, 2021 by Mr. FightToFIRE
Here we are, at yet another year-end. This is the third time I close my portfolio; and how! What a ride. Corona had a huge impact on me personally but also on my financial situation and in a good way even!
To the moon!
Unlike in the 3rd quarter, this fourth and final quarter of 2020 was crazy. First and foremost because of the American elections. With Biden’s win, things are going to stay interesting in 2021.
Second, because the stock market was like the gift that kept on giving I bought extra shares and stocks to ride the bullish waves using margin.
From 0 EUR borrowed capital in September I systematically increased it to 12,000 EUR by the end of December. However, since it’s clear as day that the construction of my apartment won’t be delivered before the end of 2021, I intend to top up my account with an extra 15,000 EUR somewhere this month.
I also sold a stock: Ubisoft (Ticker: UBI1). The reason for my Ubisoft purchase was to ride the waves of online gaming but instead, it remained flat (unlike EA for example). Having bought this stock a little over a year ago and to reduce opportunity cost, I decided to cut my losses. Instead of Ubisoft, I decided to get into Corsair Gaming (Ticker: CRSR).
Talking about losers, Kinepolis (Ticker: KIN) is another one I should cut out, but because of its excellent track-record before corona, I’m hesitant. I actually bought more on the initial dip in March 2020. 2021 is shaping up to be a critical year for the Kinepolis group. With multiple blockbusters going straight to streaming at worst or streaming and released in cinema at best, it remains to be seen if Kinepolis can keep growing like they did pre-corona.
Another crazy change was my Cryptocurrency investments. From deep red in March 2020, I steadily climbed out of the red and into the green with a doubling of my investment just recently.
My other investments, such as my portfolio with Beobank, also performed excellently but not nearly as stellar as the others.
You could already see how much the tally is, but putting it in my table makes the gains of the last quarter really stand out.
|Quarter||Savings & Effects (€)||All (€)||QoQ S&E % (€)||QoQ ALL %|
Personal portfolio overview
The market recovery continued all the way till the end of 2020 but not on equal terms. Kinepolis (Ticker: KIN), a Belgian movie theater company, is still at the lower end of the spectrum.
Also, my more recent purchases such as Corsair Gaming and the Chinese Tencent are in red. Tencent, together with Alibaba are my plays in the Chinese market that I hope to play out in full in the coming year(s).
In terms of profits, all my stocks made an excellent performance. My top contributors for 2020 are:
|Name (Ticker)||Performance (%)||Contribution to portfolio gain (%)|
|ISHARES AUTOMATION&ROBOTIC-A (RBOT)||25.28||2.22|
|ISHARES MSCI US SML CAP ACC (SXRG)||37.15||2.18|
|ISHARES CORE S&P 500 (CSPX)||6.03||2.15|
|X MSCI EUROPE SMALL CAP (DX2Jd)||7.23||1.45|
Dividing it according to financial instruments and asset class looks as followed:
Talking about gains, my dividend payout for 2020 was lower than expected, I only received 328.19 EUR. You can see the distribution across 2020 in the below graph:
And the rest? Nothing but rising stock prices. Well, besides Alibaba.
Combining my personal investment portfolio gives me the following status:
- 61,735.65 EUR
- Profit: 11,735.65 EUR or an increase of 23.4713%.
- Increase: 8.489% over the previous quarter (coming from 56,905.14 EUR)
- Negative cash balance of -12,863.44 EUR
|Description||Amount||Amount in EUR|
|EUR stocks||63,376.45 EUR||63,376.45|
|USD stocks||13709.05 USD||11,222.64|
|Symbol||Description||Sector||Quantity||Close Price||Cost Basis||Current Value||(Un)realized Profit/Loss||% Gain/Loss|
|AED.CASH||AEDIFICA CASH DIVIDEND PLACEHOLDER||Real estate||40||1.03||38.44||41.20||2.76||7.18|
|SXRG||ISHARES MSCI US SML CAP ACC||Broad||15||343.70||4,030.82||5,155.50||1,124.68||27.90|
|SXR1 (/CPXJ)||ISHARES CORE MSCI PACIF X-JP ETF||Broad||40||136.36||5,031.07||5,454.40||423.33||8.41|
|DX2J||X MSCI EUROPE SMALL CAP ETF||Broad||50||51.23||1,766.06||2,561.50||795.44||45.04|
|CSSX5E (/CSX5)||ISHARES CORE EURO STOXX 50 ETF||Broad||30||118.20||3,307.94||3,546.00||238.06||7.196|
|HOMI||HOME INVEST BELGIUM||Financials||8||115.50||702.83||924.00||221.17||31.47|
|IUS3||ISHARES S&P SMALL CAP 600||Broad||100||60.30||5,369.04||6,030.00||660.95||12.31|
|NNND||Tencent Holding LTD||technology||25||59.40||1,561.42||1,485.00||-76.42||-4.89|
|RBOT||ISHARES AUTOMATION&ROBOTIC-A ETF||Broad||400||9.65||2,637.92||3,858.80||1,220.88||46.28|
|SBIO||INVESCO NASDAQ BIOTECH ETF||Broad||85||39.91||3,024.85||3,392.78||367.93||12.16|
|SPYD (/USDV)||SPDR US dividend aristocrats||Broad||65||47.35||3,067.95||3,077.75||9.80||0.32|
|Ishares Core S&P500 UCITS||Broad||35||306.92||9,084.69||10,742.27||1,657.58||18.245|
|XLVS||Source HLTH care S&P US SECT||Broad||8||421.50||3,025.91||3,372.00||346.09||11.44|
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.
|Symbol||Description||Sector||Quantity||Close Price||Cost Basis||Current Value||Unrealized Profit/Loss||% Gain/Loss|
|BABA||Alibaba Group Holding||Communications||5||232.73||832.89||1,163.65||330.76||39.71|
|TSM||Taiwan Semiconductor SP ADR||Technology||10||109.04||1,038.61||1,090.40||51.80||4.99|
Actively managed portfolio
My Beobank investment account made an amazing recovery which makes the return half-decent after more than 5 years.
I now have a positive return of 34.75% or an annualized return of 5.76%. Not super low, but given the past years, anything but stellar.
|Nr.||Inception date||Description||Cost Basis||Current Value||Unrealized Profit/Loss||% Gain/Loss|
|1||September 2016||Actively managed fund||19,578.97||26,383.18||6,804.21||34.75|
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 7.468% profit.
|Nr.||Inception date||Description||Sector||Current Value||Cost Basis||Unrealized Profit/Loss||% Gain/Loss|
|1||September 2013||Dynamic pension savings fund||Broad||7846.02||6,797.82||1,048.2||15.42|
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
Wow! Just wow. In this last quarter, my Coinbase account skyrocketed to new highs I have never seen before.
I opened this account in March 2018 just after the peak, and it took till Q4 to climb out of this deep valley. I reached my lowest point back in March 2020 when I hit 92.70 EUR. In less than 10 months my cryptocurrencies shoot to 980.81 EUR which is an increase of 958.047%!
Unfortunately, it’s impossible to get the history of all my cryptos on 31/12/2020 so I will take the most recent numbers (09/01/2021).
|Nr.||Inception date||Coin||Cost Basis||Current Value||% Gain/Loss|
|1||March 2018||Bitcoin (BTC)||131.08||572.17||336.504|
|2||March 2018||Litecoin (LTC)||351.90||279.24||-20.65|
|3||January 2021||Etherium (ETH)||28.69||38.80||35.24|
|4||September 2020||Stellar Lumens (XLM)||4.69||23.52||401.493|
|5||September 2020||Compound (COMP)||16.04||21.41||33.48|
|6||September 2020||EOS (EOS)||8.45||10.86||28.52|
|7||November 2020||Maker (MKR)||5.04||14.08||179.365|
|8||November 2020||Algorand (ALGO)||5.08||7.62||50.00|
|9||January 2021||Cosmos (ATOM)||5.16||5.91||7.267|
|10||January 2020||Aave (AAVE)||3.73||4.89||31.10|
|11||December 2020||Filecoin (FIL)||4.95||3.65||-26.26|
|12||December 2020||Band protocol (BAND)||2.46||3.69||50.00|
The end of the year is the time I receive my interest. I just received a bit of interest on the money I have in my savings accounts. My emergency fund is larger than ever: 24545.55 EUR or an increase of 0.014% compared to last quarter.
|Nr.||Inception date||Description||Deposits||Current Value||% Gain||Interest Rate|
|1||July 2018||Regulated limited high(er) interest savings account||2,500||2,533.41||1.336||0.01% (base rate) + 0.1% (fidelity premium)|
|2||August 2019||Regulated Deposit account||1,835.00||1,837.13||0.116||0.01% (base rate) + 0.1% (fidelity premium)|
|2||June 2020||Regulated Deposit account||5,000.00||5,001.45||0.029||0.01% (base rate) + 0.1% (fidelity premium)|
|2||June 2020||Regulated Deposit account||10,000.00||10,013.30||0.130||0.01% (base rate) + 0.1% (fidelity premium)|
|2||June 2020||Regulated Deposit account||5,160.00||5,160.26||0.005||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 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.
Finally, a change will take place. As of April 2021, I will start paying off this mortgage.
|Nr.||Inception date||Description||Initial value||Current Value||% Gain|
|1||28 June 2019||Invested in apartment (so far)||125,125.00||125,625.00||0,3996|
|Nr.||Inception date||Description||Loaned amount||Paid off amount||% Gain|
|1||20 February 2020||Mortgage Brussels apartment||-280,000.00||0||N/A|
10. Quarterly Portfolio Report – Q4 2020