It can be difficult sharing a portfolio, especially as early on I made a lot of bad investments. I wish to share my portfolio in the hope that you can learn from my mistakes, but also see how I have been able to grow my portfolio consistently over the years.
My portfolio is distributed between investments in my own name, investments through my web development company and through my own private pension.
I will breakdown each year one by one, showing firstly how the capital grew in the period and secondly how the capital is distrubuted between the various asset classes for the period.
Please note: The majority of investing mistakes were made between 2018 - 2019 because I invested in unregulated, high risk investments. The majority of my portfolio from 2021 is largely made up of Real Estate and equities. I learn't the hard way and lost significant money investing in Ponzi schemes and investment scams - from forex trading, peer to peer lending, crypto trading, unregulated Christmas Tree Investments and the like. Always remember, keep it simple and invest for the long term!
| Investment Summary for 2018 | |
|---|---|
| Opening Balance | €0.00 |
| New Contributions | €36,006.86 |
| Managed Forex Trading Income | €5,634.78 |
| P2P Lending Interest Income | €237.19 |
| Equities Capital Gains | -€626.69 |
| Closing Balance | €41,252.14 |
| Portfolio Return | €5,245.28 |
| Annualised % Return | 14.57% |
| Portfolio Breakdown (as at 31st December 2018) | ||
|---|---|---|
| Christmas Tree Investment | €17,500.00 | 42.42% |
| Peer to Peer Lending | €10,361.45 | 25.12% |
| Equities | €5,873.31 | 14.24% |
| Managed Forex Trading Account | €4,457.38 | 10.81% |
| Cash | €3,060.00 | 7.42% |
| Total | €41,252.14 | 100% |
| Investment Summary for 2019 | |
|---|---|
| Opening Balance | €41,252.14 |
| New Contributions | €18,195.79 |
| P2P Lending Interest Income | €3,257.41 |
| Equities Capital Gains + Dividends | €1,989.49 |
| Managed Forex Trading Income | -€2,149.90 |
| Closing Balance | €62,544.93 |
| Portfolio Return | €3,097.00 |
| Annualised % Return | 5.21% |
| Portfolio Breakdown (as at 31st December 2019) | ||
|---|---|---|
| Christmas Tree Investment | €17,500.00 | 27.98% |
| Peer to Peer Lending | €16,745.21 | 26.77% |
| Equities | €15,739.15 | 25.16% |
| Forex Trading Account | €11,635.54 | 18.60% |
| Cash | €925.03 | 1.48% |
| Total | €62,544.93 | 100% |
| Investment Summary for 2020 | |
|---|---|
| Opening Balance | €62,544.93 |
| New Contributions | €28,243.13 |
| Equity Release* | €41,220.21 |
| Equities Capital Gains + Dividends | €3,377.88 |
| Cryptocurrency Capital Gain | €182.83 |
| Loss on Christmas Tree Investment** | -€1,500.00 |
| Forex Trading Income *** | -€2,988.17 |
| P2P Lending Interest Income **** | -€5,531.54 |
| Closing Balance | €125,549.27 |
| Portfolio Return | -€6,459.00 |
| Annualised % Return | -4.89% |
* In 2020, some of the new contributions came in the form of an equity release, as we turned our primary residence into a buy to let and purchased a new home to live.
** I lost money on a Christmas Tree Investment that was likely a Ponzi Scheme. Thankfully I was able to recover most of my investment.
*** I lost money shorting gold at leverage and stopped trading myself after this experience.
**** I lost money as two of the peer to peer lending sites I had been using went bust due to being scams.
| Portfolio Breakdown (as at 31st December 2020) | ||
|---|---|---|
| Real Estate | €62,485.12 | 49.77% |
| Equities | €57,701.25 | 45.96% |
| Peer to Peer Lending | €1,791.17 | 1.43% |
| Forex Trading Account | €645.77 | 0.51% |
| Cryptocurrency | €268.72 | 0.21% |
| Cash | €2,657.24 | 2.12% |
| Total | €125,549.27 | 100% |
2021 was the year that I finally moving my investments to equities, real estate and holding some of my portfolio in cash (for emergencies and opportunities).
| Investment Summary for 2021 | |
|---|---|
| Opening Balance | €125,549.27 |
| New Contributions | €54,000.00 |
| Real Estate Capital Gains + Rental Income | €22,631.05 |
| Equities Capital Gains + Dividends | €20,616.03 |
| Cryptocurrency Capital Gain | €244.43 |
| Forex Trading Income | -€52.82 |
| P2P Lending Interest Income | -€1,198.94 |
| Closing Balance | €221,789.02 |
| Portfolio Return | €42,239.75 |
| Annualised % Return | 23.53% |
| Portfolio Breakdown (as at 31st December 2021) | ||
|---|---|---|
| Equities | €117,567.28 | 53.01% |
| Real Estate | €89,478.60 | 40.34% |
| Cash | €14,743.14 | 6.65% |
| Total | €221,789.02 | 100.00% |
While 2022 wasn't a good year for stocks, we managed to purchase two new investment properties in 2022 and our first investment property increased in value. Even though it was a hard year with inflation running at over 10%, adding €120k in new contributions was a huge help overall.
| Investment Summary for 2022 | |
|---|---|
| Opening Balance | €221,789.02 |
| New Contributions | €120,000.00 |
| Real Estate Capital Gains + Rental Income | €23,808.35 |
| Equities Capital Gains + Dividends | -€22,862.52 |
| Closing Balance | €342,734.85 |
| Portfolio Return | €945.83 |
| Annualised % Return | 0.28% |
| Portfolio Breakdown (as at 31st December 2022) | ||
|---|---|---|
| Equities | €123,321.02 | 35.98% |
| Real Estate | €218,056.64 | 63.62% |
| Cash | €1,357.19 | 0.4% |
| Total | €342,734.85 | 100.00% |
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