Irish Financial Independence & Personal Finance Podcast

March 2021 Portfolio Update

Sunday 11th April 2021

I have often moaned on the podcast that I no longer enjoy being a freelance software developer. On reflection recently, I felt this was unfair. I enjoy 80% of what I do, it was just the 20% of my work that was making me unhappy.

I decided that I was going to keep the freelancing clients that made me happy - keeping the clients that I liked working with and where I enjoyed the coding side of their projects. I decided I would stop working for any clients that either added stress, made me unhappy or the coding side just didn't bring me joy.

This resulted in me dropping around 20% of my current client base.

You wouldn't believe what happened. My productivity went through the roof, I started getting up earlier to start work and working later. I wasn't tired anymore and any ill feeling about Monday's went away very quickly. Because I was working more efficiently and turning around solutions for my existing clients, they sent me more work. Even though I had less clients, I was now busier than before.

Let's head over to the numbers for March:

Portfolio Report

Portfolio Summary (as at 31st March 2021)
Opening Balance€136,460.54
New Contributions€4,000.00
Portfolio Capital Gain + Income€3,611.70
Closing Balance€144,072.24

Monthly Portfolio Growth Report

Monthly Portfolio Growth Report
Capital Gain + Dividend Income from Equities€3,116.71
Real Estate Income€76.34
Peer to Peer Lending Income€4.99
Cryptocurrency Capital Gain€413.66
Total Change€3,611.70

Portfolio Breakdown

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

Portfolio Asset Breakdown (as at 31st March 2021)
Equities€69,663.4848.35%
Real Estate€64,366.3944.68%
Cryptocurrency€1,909.341.33%
Peer to Peer Lending€1,280.300.89%
Cash€6,852.734.76%
Total€144,072.24100.00%

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