The following section was updated on: 12 January 2020
USD rate used: 1 USD = 0.89487 EUR
Target net worth: €650,000
core-satellite
Preferred ratio: 80% passive / 20% active
Current ratio: 66.56% passive / 33.44% 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 cash balance of 49.53 EUR.
EUR stocks
| Symbol | Description | Sector | Quantity | Close price | Cost basis | Value | Unrealized profit | % Gain |
|---|---|---|---|---|---|---|---|---|
| AED | Aedifica | Real estate | 22 | 113.40 | 1,676.74 | 2,494.80 | 818.06 | 48.79 |
| SXR8 | Ishares Core S&P500 UCITS | Broad | 14 | 288.69 | 3,366.92 | 4,041.66 | 674.74 | 20.04 |
| XLVS | Source HLTH care S&P US SECT | Broad | 7 | 417.28 | 2,452.53 | 2,920.96 | 468.43 | 19.10 |
| CSEMUS | ISHARES MSCI EMU SML-C ACC ETF | Broad | 3 | 217.05 | 606.78 | 651.15 | 44.37 | 7.31 |
| COFB | COFINIMMO | Financials | 10 | 132.80 | 1,131.10 | 1,328.00 | 196.90 | 17.41 |
| SXR1 | ISHARES CORE MSCI PACIF X-JP ETF | Broad | 10 | 140.88 | 1,173.47 | 1,408.80 | 235.33 | 20.05 |
| CSSX5E | ISHARES CORE EURO STOXX 50 ETF | Broad | 3 | 122.00 | 311.57 | 366.00 | 54.43 | 17.47 |
| DX2J | X MSCI EUROPE SMALL CAP ETF | Broad | 20 | 49.05 | 861.99 | 981.10 | 119.11 | 13.82 |
| HOMI | HOME INVEST BELGIUM | Financials | 8 | 114.50 | 702.83 | 916.00 | 213.17 | 30.33 |
| IUS3 | ISHARES S&P SMALL CAP 600 | Broad | 40 | 61.07 | 2,268.46 | 2,442.80 | 174.34 | 7.69 |
| KIN | KINEPOLIS | Consumer Cyclicals | 25 | 59.20 | 1,356.70 | 1,480.00 | 123.31 | 9.09 |
| RBOT | ISHARES AUTOMATION&ROBOTIC-A ETF | Broad | 157 | 7.68 | 1,014.48 | 1,205.45 | 190.97 | 18.82 |
| SBIO | INVESCO NASDAQ BIOTECH ETF | Broad | 30 | 34.95 | 923.30 | 1,048.65 | 125.35 | 13.58 |
| SOF | SOFINA | Diversified | 5 | 194.60 | 732.53 | 973.00 | 240.47 | 32.83 |
| UBI | UBISOFT ENTERTAINMENT | Technology | 11 | 61.40 | 1,105.43 | 798.20 | -307.23 | -27.79 |
| Total | 21,726.94 | 25,350.19 | 3623.25 | 16.68 |
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 |
|---|---|---|---|---|---|---|---|---|
| BABA | Alibaba Group Holding | Communications | 5 | 215.47 | 832.89 | 1,077.35 | 244.46 | 29.35 |
| CSKR | ISHARES MSCI KOREA USD ACC | Broad | 5 | 155.90 | 887.58 | 779.50 | -108.08 | -12.18 |
| IBB | ISHARES NASDAQ BIOTECHNOLOGY | Broad | 5 | 121.56 | 518.34 | 607.80 | 89.46 | 17.26 |
| IEMA | ISHARES MSCI Emerging Markets ACC | Broad | 28 | 36.26 | 1030.58 | 1,015.14 | -15.44 | -1.50 |
| NVDA | NVIDIA CORP | Technology | 4 | 236.87 | 803.81 | 947.48 | 143.67 | 17.87 |
| Total | 4073.19 | 4427.27 | 354.08 | 8.69 |
Detailed view of shares
Shares divided by type based on the initial cost basis and using the mentioned dollar exchange rate:
- ETF: 19,510.06 EUR
- Regular: 9,801.96 EUR
For a total of 29,312.02 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 | 23,883.59 | 19,578.97 | 4,304.62 | 19.81 |
Pension fund
The Belgian government incentivizes people to have their own pension plan using a tax deduction of 30%.
I have stopped using this trading account as I will focus on my apartment and my personal portfolio. Only changes happening here will be by the market.
| Nr. | Inception date | Description | Sector | current price | Cost basis | Unrealized profit | % gain |
|---|---|---|---|---|---|---|---|
| 1 | September 2013 | Dynamic pension savings fund | Broad | 7,581.11 | 6,797.82 | 783.29 | 11.522 |
Alternative investments
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) |
|---|---|---|---|---|---|
| 1 | March 2018 | Bitcoin | 123.09 | 118.05 | -3.28 |
| 2 | March 2018 | Litecoin | 357.06 | 80.13 | -77.55 |
| 480.15 | 198.18 | -58.73 |
Savings accounts
Finally, I have two savings accounts.
The first one is limited to a max deposit of 750 EUR/month. This is not completely up to what I would like it to be, 6 months worth of salary so this should get more cash asap. The second regular savings account contains my rental deposit.
| Nr. | Inception date | Description | Deposits | Current value | % gain | Interest rate |
|---|---|---|---|---|---|---|
| 1 | July 2018 | Regulated limited high(er) interest savings account | 2,500 | 2,517.86 | 0.7144 | 0.20% (base rate) + 1% (fidelity premium) |
| 2 | September 2019 | Regulated savings account | 1,835.00 | 1,835.05 | 0.0027 | 0.01% (base rate) + 0.1% (fidelity premium) |
| 4,335.00 | 4,352.91 | 0.4513 |
Real Estate portfolio
This table contains an overview of the money invested in real estate. For the moment this is just one apartment. I hope to increase this in the future to multiple.
The value detailed below is all the cash put into the apartment. It’s the principle but not the interest or other costs. The apartment value (or at least what I paid for it) is 332,500 EUR.
| Nr. | Inception Date | Description | Total investment | Estimated value | Principle paid | Interest paid | Remaining mortgage |
|---|---|---|---|---|---|---|---|
| 1 | 28 June 2019 | Brussels apartment | 125,625.00 | 332,500.00 | 0.0 | 0.0 | 280,000 |
| 125,625.00 | 332,500.00 | 0.0 | 0.0 | 280,000 |