The below portfolio was updated on: 31 June 2019
USD rate used: 1 USD = 0.879506 EUR
Target net worth: €650,000
core-satellite
Preferred ratio: 80% passive / 20% active
Current ratio: 67.85% passive / 31.92% active
- Personally managed
- ETFs
- Regular stocks
- Dividend
- Actively managed
- Pension fund
- Alternative investments
- cryptocurrencies
- Foreign exchange
- Savings accounts
- Limited deposit savings account
- “High” interest savings account
Personal portfolio overview
Here you have a more detailed overview of my various positions.
Please note that all the numbers below are in their respective currency. When I recalculate dollar to euro I use the above-mentioned exchange rate.
My portfolio holds a negative cash balance of 57.63 EUR.
EUR stocks
| Symbol | Description | Sector | Quantity | Close price | Cost basis | Value | Unrealized profit | % Gain |
|---|---|---|---|---|---|---|---|---|
| Total | 21,658.70 | 22,174.05 | 515.354 | 2.38 | ||||
| AED | Aedifica | Real estate | 22 | 83.90 | 1676.74 | 1845.80 | 169.06 | 10.08 |
| AED.DIV | Aedifica- unlisted coupon | Real estate | 20 | 2.38 | 46.77 | 47.60 | 0.83 | 1.77 |
| SXR8 | Ishares Core S&P500 UCITS | Broad | 14 | 254.16 | 3366.92 | 3558.24 | 191.32 | 5.68 |
| XLVS | Source HLTH care S&P US SECT | Broad | 7 | 363.82 | 2452.53 | 2546.74 | 94.21 | 3.84 |
| CSEMUS | ISHARES MSCI EMU SML-C ACC ETF | Broad | 3 | 196.38 | 606.78 | 589.14 | -17.64 | -2.91 |
| COFB | COFINIMMO | Financials | 106 | 114.20 | 1131.10 | 1142.00 | 10.90 | 0.96 |
| SXR1 | ISHARES CORE MSCI PACIF X-JP ETF | Broad | 10 | 137.42 | 1173.47 | 1374.20 | 200.73 | 17.11 |
| CSSX5E | ISHARES CORE EURO STOXX 50 ETF | Broad | 3 | 111.58 | 311.57 | 334.74 | 23.17 | 7.44 |
| DX2J | X MSCI EUROPE SMALL CAP ETF | Broad | 20 | 42.81 | 861.99 | 856.20 | -5.79 | -0.67 |
| HOMI | HOME INVEST BELGIUM | Financials | 8 | 99.00 | 702.83 | 792.00 | 89.17 | 12.69 |
| IUS3 | ISHARES S&P SMALL CAP 600 | Broad | 40 | 55.97 | 2268.46 | 2238.80 | -29.66 | 29.66 |
| KIN | KINEPOLIS | Consumer Cyclicals | 25 | 48.00 | 1356.70 | 1200.00 | -156.69 | -11.55 |
| RBOT | ISHARES AUTOMATION&ROBOTIC-A ETF | Broad | 157 | 6.64 | 1014.48 | 1042.48 | 28.00 | 2.76 |
| SBIO | INVESCO NASDAQ BIOTECH ETF | Broad | 30 | 30.43 | 923.30 | 912.90 | -10.40 | -1.13 |
| SOF | SOFINA | Diversified | 5 | 167.60 | 732.53 | 838.00 | 105.47 | 14.40 |
| UBI | UBISOFT ENTERTAINMENT | Technology | 11 | 68.84 | 990.41 | 757.24 | -233.17 | -23.54 |
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.
| Symbol | Description | Sector | Quantity | Close price | Cost basis | Value | Unrealized profit | % Gain |
|---|---|---|---|---|---|---|---|---|
| Total | 4073.19 | 3710.93 | -362.27 | -8.89 | ||||
| BABA | Alibaba Group Holding | Communications | 5 | 169.45 | 832.89 | 847.25 | 14.36 | 7.72 |
| CSKR | ISHARES MSCI KOREA USD ACC | Broad | 5 | 143.70 | 887.58 | 718.50 | -169.08 | -19.05 |
| IBB | ISHARES NASDAQ BIOTECHNOLOGY | Broad | 5 | 109.10 | 518.34 | 545.50 | 27.16 | 5.24 |
| IEMA | ISHARES MSCI Emerging Markets ACC | Broad | 28 | 33.67 | 1030.58 | 942.76 | -87.82 | -8.52 |
| NVDA | NVIDIA CORP | Technology | 4 | 164.23 | 803.81 | 656.92 | -146.89 | -18.27 |
Detailed view of shares
Shares divided by type based on the initial cost basis and using the mentioned dollar exchange rate:
- ETF: 17,164.54 EUR
- Regular: 8,076.56 EUR
For a total of 25,241.10 EUR (excl. cash).
- CSEMUS
- SXR1
- CSSX5E
- DX2J
- IUS3
- RBOT
- SBIO
- CSKR
- IBB
- IEMA
- XLVS
- SXR8
- SPYD
- AED
- AED.DIV
- BABA
- COFB
- HOMI
- KIN
- SOF
- UBI
- NVDA
Actively managed portfolio
Besides managing a portfolio myself. I also “outsource” a position to a smaller European financial institution.
| Nr. | Inception date | Description | Close price | Cost basis | Unrealized profit | % Gain(/loss) |
|---|---|---|---|---|---|---|
| 1 | September 2016 | Actively managed portfolio | 22,143.23 | 19,578.97 | 2564.26 | 13.09 |
Pension fund
The Belgian government incentivizes people to have their own pension plan using a tax deduction of 30%.
I take advantage of this by depositing the maximum allowed (indexed) amount to receive this 30% discount. For 2018 the total amount was set at 960 EUR.
| Nr. | Inception date | Description | Sector | Close price | Cost basis | Unrealized profit | % gain |
|---|---|---|---|---|---|---|---|
| 1 | September 2013 | Dynamic pension savings fund | Broad | 7247.95 | 6797.82 | 450.13 | 6.62 |
Alternative investments
I have one foreign exchange (forex) account that is actively managed by a third party.
The account is with the boutique broker MT.COOK (who requires a min. of 5,000 USD initial deposit to trade with).
| Nr. | Inception Date | Description | Close balance | starting balance | % gain(/loss) |
|---|---|---|---|---|---|
| 1 | January 2016 | Actively managed forex account | 9020.51 | 13825.15 | -34.75 |
This account is very small due to the extremely speculative nature of this type of “investment”. I have a Coinbase account for my cryptocurrency investments.
| Nr. | Inception date | Coin | Cost base | Current value | % gain(/loss) |
|---|---|---|---|---|---|
| 480.15 | 407.44 | -64.85 | |||
| 1 | March 2018 | Bitcoin | 123.09 | 170.14 | 38.22 |
| 2 | March 2018 | Litecoin | 357.06 | 237.44 | -33.54 |
Savings accounts
Finally, I have two “high” interest savings accounts.
The first one is limited to a max deposit of 750 EUR/month. since I already saved a decent amount (roughly 6 times my monthly net salary) I’m not depositing the max amount. The money in the limited deposit account will be used for purchases further down the line.
The second regular savings account is my emergency fund. When I say “emergency” I do mean emergency. It will only be touched if I lose my job, can’t fall back on family, etc.
| Nr. | Inception date | Description | Deposits | Current value | % gain | Interest rate |
|---|---|---|---|---|---|---|
| 12,500.00 | 12,500.99 | 0.00792 | ||||
| 1 | July 2018 | Regulated limited high(er) interest savings account | 2,500 | 2,500.99 | 0.04 | 0.20% (base rate) + 1% (fidelity premium) |
| 2 | January 2019 | Regulated high savings account | 10,000.00 | 10,000.00 | 0.00 | 0.01 % (base rate) + 0.35 % (fidelity premium) |