Irish Financial Independence & Personal Finance Podcast

February 2021 Portfolio Update

Thursday 4th March 2021

February was a volatile month! We saw some record market prices, with the S&P 500 and Bitcoin both hitting record highs.

We saw a small correction on the last day of February, but overall asset prices are rocketing - which is likely a reaction to the share amount of cash which is being printed by governments at the moment.

Inflation is the next natural symptom of printing money, and there are signs that it is starting to kick in. Noticing prices going up yet? Petrol prices are certainly on their way up, and with the VAT rate going back to 23% in March, no doubt more prices will be on their way up. Unfortunately, inflation is the only real way out of negative interest rates. We will see prices rise, and then interest rates rise as a result because that will be the natural way to stop inflation.

This will likely have a negative impact on the share market but as always, there is no real way of knowing - so for now, just keep cost averaging in!

Lets review the portfolio numbers for February.

Portfolio Report

Let's start with the portfolio update. Here is the summary:

Portfolio Summary (as at 28th Feb 2021)
Opening Balance€131,703.64
New Contributions€4,000.00
Portfolio Capital Gain + Income€756.90
Closing Balance€136,460.54

Monthly Portfolio Growth Report

Monthly Portfolio Growth Report
Capital Gain + Dividend Income from Equities€194.31
Real Estate Income€644.36
Forex Trading Income-€120.86
Peer to Peer Lending Income-€-32.05
Cryptocurrency Capital Gain€71.14
Total Change€756.90

Portfolio Breakdown

Finally, the table below shows the breakdown of my portfolio into the various asset classes:

Portfolio Asset Breakdown (as at 28th Feb 2021)
Equities€64,046.7746.93%
Real Estate€64,186.7347.04%
Forex Trading Account€2,347.181.72%
Peer to Peer Lending€1,275.310.93%
Cryptocurrency€495.680.36%
Cash€4,108.873.01%
Total€136,460.54100.00%

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