Dear fellow investors, friends, family and future self.
Welcome to my first portfolio update or the year 2025, I hope you still enjoy them. Now let’s get into things!
On the professional side, things are still calmer now and I do a lot of different and interesting stuff I came back to the technical side and I enjoy it, although I think from time to time about the manager path. But when your calendar is so free and you can do the work under your own pace. no more endless meetings that keep you tied to a chair when it’s nice outside, no more juggling 7 balls in the same time, no more constant sensation that you are not doing enough. I am still looking for a new position, but no rush in finding something immediately, unless is something better than I have here.
Personally, nothing much happened, as this is the down period of the year, where I just count the days until spring comes. We went on a short trip in an area near us called Saxon Switzerland (Sächsische Schweiz) and visited the famous Bastei, a bridge over some interesting shaped rocks. Weirdly, we went in the not low, but lowest season, when all the places go on vacation after New Year’s and most of the places were closed, even the only store in that place.
That’s it from the personal side, let’s see how my investments performed:
My investment account was at €23,654, with €526 less than previous update, only due to assets depreciation. This year started with turbulent times on the stock market, all this up and down swings after Trump’s silly trade tariffs announcements. I’ve started again investing in the stock market with a small sum that I plan to increase in the future. I am also “investing” in the RSUs given by my employer – which are not liquid at the moment, but hopefully an IPO can come soon. I use Trade Republic as a broker and if you create an account using this link, we will both receive a bonus of €25 after your first trades.
I had experienced investing into P2P lending with Mintos, but at the moment I am withdrawing all the funds. At the moment I have €310 in the account and all the money are in the recovery phase, with little chance of seeing my money back. Most of the lending companies are either in liquidation or agreed a plan with Mintos to return the money by 2026-2028. I am sorry, but I cannot keep my money blocked for soo many years, with no compensation for it.
Finally, some numbers about our total net worth: it decreased by about €5,500 compared to last quarter (savings + investments). The decrease is manly attributed to an “accounting” error from my side, because I did not took under management and tracking a loan for our kitchen. The other part of the decrease is due to stock market decrease and some FX downturn, as some deposits are in RON (Romanian currency).
