Investment review – Feb. 2020

Feb review 2020

The year 2020 stays exciting and the news cycle does not slow down. The global impact of Covid-19 started to manifest in February and resulted in the worst week for the stock market since 2008/09

As a global pandamic seems to be unstoppable markets went down more than 10% in one week. This resulted in a significant drop of my portfolio as well. 

My total portfolio (ETFs, Stocks, P2P, Crypto) took a hit of – 4,5%. Not to bad under these circumstances. 

Nonetheless I’m not scared or panicky – The market went up quite a bit and in total and is now set back 4 months:

The MSCI World index value is now comparable to Oct. 2019.

The global impact of Covid-19 just started to show and it is still unclear how severe it will be.
Will it result in a global pandemic?  Will markets fall further? Will it lead into a recession?

Who knows – But one thing is clear:

The threat of Covid19 is real and it is important to stay level-headed. We must not panic, give in to fear and believe all media hysteria. 

If you want to learn more about the virus from a vetted source have a look here (Johns Hopkins).

To see how the worst stock drop since 2008 impacted my portfolio keep on reading. 

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Investment review – Jan. 2020

Jan2020

The start of 2020 was a hell of a ride.

We were near WW3, had the US president impeachment process begin and are now hit by a novel corona virus in Asia. Markets took a few hits but went nonetheless up. Are we still taking part in a rational market?

My portfolio took a few hits as well but I ended the month in the green. Since market gains come and go the important question for me is whether my passive income is increasing or not. 

Well, its increasing in a hell of a tempo. I made in the month of January more than the double compared to the total Q1 of last year. 

Since everything is going into the right direction I stuck to the strategy  and invested a total of 760 in new stocks and ETF while also increasing the emergency cash-fund. 

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2019 in numbers

2019 in numbers header

It is already the time of year again, when you look back and ask yourself where the time has gone and what you have achieved in your life.

This New Year’s Eve we asked ourselves in a group of friends what was the most beautiful and what was the worst events of the year? In the first moment I was completely overwhelmed to answer this question. But the question about the bad events was answered much faster than the one about the good ones.  I not only came up with one bad event but also several events that I could have easily done without.

It’ s somewhat funny… we try to live as good and happy a life as possible, but we can’t remember any nice events.

For 2020 I will ask myself this question more often to appreciate all the beautiful moments in life, but at the same time this question opens up another possibility:

It gives you the opportunity to control the direction you are going in and thus allows you to correct the path you have taken in case of doubt.

At the beginning of the year 2020, I ask myself what went well and what went badly, also with regard to the financial base. Am I still on the right track or have I already taken a wrong turn and lost sight of the course?

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October 2019 in review

Oct. 2019 in review

October was an OK month if it comes to investing. Nothing out of the ordinary happened and the monthly stream of fresh money went into the different buckets.

The stock market developed nicely and my ETF+Stock portfolio gained a bit in value.

My P2P investments resulted in a bit more than last month but no earth shattering gains there.

The  total passive investment once again crossed the 20€/month mark. Compared to last month it decreased a bit because of fewer dividends I received this month.

I’m happy with the current development and working hard to cross the 50€/month next year  🙂

For more details keep reading!

 

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In search of the right strategy

In search of the right strategy

Right after finishing my masters degree in 2017 and entering my current position it was clear that I have to start investing in order to gain more independence and freedom.

The first step towards getting control over my financial situation was getting into the right mindset. I decided to treat my financial life like a business. Tracking income, expenses and investing in the right assets at the right time was the way to go. 

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