Overview of my Portfolio Investments in 2021
A year has passed since I started invested more seriously. The global balance is that I enjoy to do this journey in the world of finance investments and the results are very positive. I learn a lot, I become more disciplined on my personal finances. However, I also identify some aspects that I absolutely should improve.
Amount Invested in 2021
This year I invested a total of 6490€. Less 710€ than I proposed. On my first publication on this site I committed myself to invest 600€ each month (7200€/year). Despite having missed the goal, I’m happy with the consistence that I got (but far from perfect).
It was difficult to invest in some months…
In the first 6 months I was very consistent, however on the second half of the year, I had some trouble managing the value to invest each month.
I showed some inconsistency in my investments because:
- Even in a pandemic, I travel more than I’m used to. My girlfriend is from other continent and the travels are very expensive. (more than 50 thousand km’s on air)
- I didn’t give up on vacation and I spent more than expected
- I’m not tracking all of my expenses
- Unexpected expenses due to some personal events
Almost two thirds of my investments went to stocks/ETFs. The crypto market are always very volatile and more risky, so I invested less. On P2P, I feel that I’m still validating that kind of the market, so I just invested 10% of all my investments.
Portfolio Value
At the end of the year, all my portfolio worth 16615€.
- Total invested: 6490€
- Value from 2020: 4936€
- Portfolio Value Today: 16615€
- Profit: 5189€ (+31%)
This year I made more than 5000€ doing practically nothing. This is the same as receiving 415€ each month. Represents more than 30% of my overall portfolio!
In reality, this only becomes a profit if today I liquidate all my investments, but I want to continue on my journey!
In total, my portfolio growth 336%, from 4936€ to 16615€, which makes me very proud! This is one of the best decisions I made in my life: start investing!
…this is just the beginning of the journey…
Evolution over the year
In general, my portfolio had a regular growth over the months:
Over 2021 I was calibrating the type of investments on my portfolio. In January 2021, cryptocurrencies represented more than 70% of my investments. Today, it decreases to 45%. On other hand, the stocks market came from 22% to 42%.
Cryptocurrencies
- Portfolio Value Today: 7490€
I have to admit, a large part of my earnings came from cryptocurrencies. Throughout the year I was calibrating my portfolio due to the disproportionate growth of cryptocurrencies in some periods. I made some moves to pass value from cryptocurrencies to the stock market. Because of this, It’s more difficult to identify how much I made only on crypto market but I would risk a value very close or higher to 100%.
In these last two months of the year I decided to diversify a little more on the cryptocurrency market. Right now I’m investing in 13 different cryptocurrencies according to the chart below.
The cryptocurrencies market has suffered a lot in the last two months. That’s why my results weren’t even better!
Stocks/ETFs
Stocks/ETFs Portfolio Results:
- Portfolio Value Today: 8195,93€
- Profit: 760,86€ (+9,2%)
At the moment I only have investments on 6 products:
ETFs:
- Value: 1267€
I have 16 units of the ETF (iShares Core MSCI World UCITS ETF USD (Acc))
P2P Lending Portfolio Results
- Total invested: 610€
- Value from 2020: 265€
- Portfolio Value Today: 942,5€
- Profit: 67,5€ (+7,16%)
More than 7% returns. It is within the value I expected. I intend to continue investing on 2022.
My intentions to 2022
New sources of income
My main goal for the next year is to get new sources of income. I consider this crucial at this moment, I need to grow my portfolio value investing more money! For this I need more monthly income.
I pretend to invest some of my time on new projects like:
- creating online products (software app, ebook, …)
- freelancing
- …
Increase the value to invest monthly
Last year I commited myself to invest 600€/month. In 2022, I want to invest 700€/month. The increase of 100€ is justify because I have margin for that (and maybe more), and it’s also a way to compensate the money that I didn’t invest in 2021.
I’m 35, I need to have more time for me. So I want to get the FIRE as soon as possible!
