Financial independence | Firecrackers

This was a month of restructuring our ETF Portfolio. Firstly i’ve shown you how our P2P Portfolio looks like, but this is not all. In fact our “Big” stategy relies on our ETF Portfolio baseline. Currently with some funds still on the way and starting to build up our position using the broker DeGiro.

This means only a part of our funds are invested. Namely 12 872.67€ with the rest 9 498.47€ either in transit or in cash.

This means a total of 22 371.14€ – for August in our ETF Portfolio baseline. Yay. I will be posting here the progress.

The main objective will be to follow the Passive investments of our friends Bogleheads with an european adaptation (Thanks PRIIPS!).

The ETF Portfolio baseline should look like this soon:

Description	% Allocation	Ticker
Long bond	5.00%	CBU7
Short bond	15.00%	TIPS
Commodity	5.00%	COMF
Gold	10.00%	AUCO
SP500	7.50%	CSPX
Small-Cap	15.00%	IMAE
Europe	10.00%	SXRG
REIT	10.00%	EPRU
Pacific	10.00%	CPXJ
Emerging	12.50%	IEMA

Most of the ETFs are located in the Amesterdam Euronext market in order to lower costs. Unfortunetly Small-caps US had to be bought in the German (XETRA) due to unavailability on the MSCI Ishares Small-caps there.

I will be defining why we chose this strategy and why each particular allocation and also what could be the comparable ETFs but i will leave this for anothe time!

The positions have been opened on the 19th August and currently we are 83.25 € up. Im not worried. We are in this for the long run and this was expected this the markets are in all time highs.

A great website you could use to check our some European ETFs is JustETF, luckily is one of the few that lets you check those ETFs in many of the European stock exchanges.

After our last post on Savings Rate, we would like to set the baseline for our P2P portfolio. As of this month the total value is 10 298.61€. Currently spread between two platforms.

The percentage is the return to date of each investment. We did an increase in our investments in P2P to circa 20% of our portfolio and therefore the interest should start to kick in next month (September).

For the sake of simplicity we have invested 5k in each platform as the principal which means the rest has been interests so far.

This month we increased the investments here from 1.5k in Mintos to 5k and from 1k in Robo.cash to 5k. I’ve been happy with the output so far so we shouldnt be changing much for the time being.

Mintos

Mintos released this month a huge list of 16% loans which i was able to catch some 🙂 Issue? They were only for 30d..this has of course meant i had to keep an eye on the platform to make sure i put my money running once the loans are finished and the principal received.

In case you would like to invest in Mintos you can get some bonus percentage (up to 1% more) additional if you do it via a referral link. Why not mine? here

Robo.cash

Similar to Mintos platform we have Robo.cash. Here is a bit simpler. We dont select the investment as the platform does this for us. Its easy and the pay-out has been around 12% so far. Not bad!

Want to learn more about P2P?

For some reviews about P2P you can check the review by The Poor Swiss here and by The obvious investor here

Firecrackers

Tag Archives: Financial independence

ETF Portfolio – Baseline!

P2P Portfolio – Baseline!