Portfolio update – April 2021

Dear fellow investors, friends, family and future self.

Welcome to my fourth portfolio update or the year 2021, I hope you enjoy them. Now let’s get into things!

April was a normal month, but the big news is that things started to move regarding the house we want to buy (actually they started in March). Now we exchanged some documents, we hired a lawyer to help us with the contract and in May we will go to the notary and sign the buying offer. The process for this house is a bit different than for the normal buying process in Germany, because we buy from a big company and they have their internal ways. I will write a separate post about buying a house in Germany.

Investments wise, two of the companies stocks that I’ve bought last month have not performed very well, but I can say that I didn’t make too much investigation into the companies – rookie mistake.

My investment account was at 7560, 565€ more than previous month, broken down in 400€ cash invested and 165€ gained due to assets appreciation. I use Trade Republic as a broker and if you create an account using this link, we will both receive a bonus of 15 after your first trade.

I had experienced investing into P2P lending with Mintos, but at the moment I am withdrawing until further notice. At the moment I have 639 in the account, 2 more as last month. I have around half of the money (462€) in recovery. I am still debating if I should continue investing in the P2P space, seems to be too much time consuming and I won’t have a lot of time in the next year. Still open point, but I tend to consolidate on savings plans in ETFs, it’s the most passive investment ever.

Finally, some numbers about our total net worth: it increased by 25,409€ compared to last month (savings + investments). The sudden increase is that I’ve received a gift from my parents for the new house. The distribution of the worth looks like this:

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