Time to reach your own investing goals

Investment Portfolio update November 2020

Hello everyone with an Investor’s Mindset!

It’s been six months since I moved the blog from being more P2P oriented to Stock investing. And oh boy, what a turbulent six months it has been! Seeing as we’re still in a pandemic and very volatile stock market – I have learned a lot on a very short time. I didn’t feel like updating the blog very much since being in the red is not so fun to write about. But I’ll give some more insights below.

Earlier in the week I noticed I was about to reach the goal I had set for myself in 2020. So, I broke my piggy bank slightly and took some money out of my savings account to make it so I now have €40000 invested in my dividend portfolio. A small amount is still not invested yet, but I’m looking for red days to buy some Dry Ice / Hydrogen stocks and perhaps one more Utility stock. Looking back, I started stock investing on the 1st of February 2019. I had put my goal on €40k by the end of this year and it’s now been reached! A great feeling even though the markets have been a crazy rollercoaster in 2020.

My Progress

Let’s start of with an overview of the progress since I started stock investing on 01 February 2019:

Bolero 40k in under 2 years

Stock investing

Just in October, when I had €37000 invested I was in the red for over €2000.

Stock Portfolio October 2020

Now a month and a half later I’m in the green for €2000. Crazy how that goes right?

Stock Portfolio November 2020

Spec stocks / fractional shares in Europe

As there were so many “deals”, but I was running low on funds I decided it’s time for a change and expanded my portfolio to not only include dividend stocks. The kick-off for this was me buying my first non-dividend paying stock on my Belgian broker Bolero: JD.com purely by received dividends in 2020.

I can’t tell you how good it feels when money starts making money all on its own, and my JD stocks are up almost 20% by now. So I’ll just let this go wherever it wants to go.

The change was that I went into some spec stocks, where fractional shares are possible. Living in Belgium there aren’t too many options. Where as in the US they have Robinhood, Webull & M1 Finance as options. However I came across two platforms that I wanted to give a try.

Revolut being my main one, because it allows fractional shares & 3 free trades each month. If you do more than 3 you pay only €1. Since I was excited, I did that a couple of times. I currently have €2500 invested in there, mainly (fractional) spec stocks but also some Gold, Silver and Bitcoin. Should you be interested in picking any of them up, feel free to check them out. The company has been around for ages, well known in UK & Lithuania.

The other one being BUX Zero. This doesn’t offer fractional shares, but it has unlimited free trades. You’ll also get one free share by signing up. I currently have invested €500 with them.

I’ve also gotten an account with €500 on MeDirect, a Belgian online bank because they were giving €50 for opening an account and leaving the funds on there for a while. That’s a 10% increase from the start, so I’ve invested it in my very first Vanguard ETF. They do charge commission on trades, so be mindful if you want to have a look at this online bank. For me, since I received the gift at the start, it was no issue at all.

In total a 5% increase so far:

Spec Portfolio November 2020

Portfolio value & goals

Where does that leave me today? Well I have €43500 currently invested across all mentioned platforms. The current Value is around €45670, which of course fluctuates daily. Seeing as I already reached my goal – my thoughts are to push it to €45000 invested by year end when I receive my taxes back.

I’ve been doing quite some daytrading via NinjaTrader – but to be honest with the markets making crazy moves on daily basis (green futures becoming red & visa versa) I was mainly trading sideways and not improving. So I decided to close the account and get back the €1000 invested, which will push me close to my newly set goal by re-investing.

What’s the take-away I would like to share with all of you? In personal finance every day is a learning day. I gain more knowledge by each article, each YouTube video, interview, stock analysis, … I read, watch or do. And this keeps it very fun. There are always ups and downs, but I think if you’re smart, keep perfecting yourself and have a long-term strategy, you will be successful.

I left affiliate links in here, just in case you are like me and were looking for free trades/fractional shares and would like to have a look at Revolut or Bux Zero. We’ll each get a small bonus for it.

My next goal will be to have at least €55000 invested by the end of 2021. Keep setting and reaching your own goals too!

Have a great month of December & take care. If you’re bored near year-end and have watched everything on Netflix, you can get access to Amazon Prime one month for free (including free shipping, movies & series) and for only €2,99 per month afterward.

Kind regards,


Invest in the stock market now

Investment Portfolio update July 2020

Hello everyone with an Investor’s Mindset!

Another two months have passed. Time really does fly… In Belgium we moved back into a semi-lockdown state with more strict rules. Which is the right choice in my opinion. So I’m back to working from home for at least another month now. Let’s hope this passes quickly. I hope all of you are staying safe!

So this is what I’ve been doing since the last update:

  • Been going to the office again, was good to see some colleagues and catch up a bit
  • Steadily invested €1000 in the stock market over the last two months. This brings my total up to €36000 invested currently
  • Doing some more day trading. I moved away from going for 1 point scalp trades as the markets are usually too volatile. Instead I’m focussing on swing trading, on average going for a 1-to-1 risk/reward ratio aiming at $150 per trade. So far I went down quite a bit but managed to climb back up to break even yesterday. I’m proud to have not (yet) blown up my account where I invested €1000 in after 2 months.

Time for a change

I think the title I used in last update still applies… I’m in the middle of shifting my focus.

My portfolio in P2P Lending, which was worth over €12000 at one point has, been brought back to just over €6000 now. Thanks to Envestio and Kuetzal being responsible for a loss of almost €4000 here, so please do be careful!

So the focus is really on stocks for me now, whilst keeping what I have now in P2P and I will see where this leads to in the future.

I’m also lucky that I still have 3 out of the 4 grandparents. I’m turning 36 this year so I see this as quite rare. In two weeks I have an appointment with them and the bank, as their savings are just losing them money over the last years – since the bank have invested them into bonds. So perhaps I’ll open up another stock portfolio that I will manage just for them and invest in ETF’s. Soon maybe another investing journey will start giving me more experience along the way.

In parallel I’ve also started looking at investing in Real Estate again more deeply. A few nice ideas and future plans are forming. So hopefully this dream can become a reality in the next couple of years.

Without further ado, the updated breakdown of sectors I’m in;

Diversified Stock Portfolio July 2020

Stock investing

Most of my stocks went up compared to two months ago. I went a bit more heavy in Communication for €1000, buying more shares of Orange (France) since they dipped below €10 per share again. This was done for averaging down, taking my negative 25% on the stock to negative 15%.

The other stock I purchased was Euronav, which has already given me a 12.5% gain in one month. I mainly went for them as they have a good balance sheet, good growth potential, nice dividend and they basically store & transport oil. Since oil prices are so low right now, many companies will be looking towards Euronav to store their oil, until prices go up again.

Also a nice milestone was reached, TSM is the first stock I had a 100% gain on! Unfortunately the two last days of the month were  mainly red days for my portfolio, so it dipped again slightly under. I might be tempted to sell & buy 2 new Dividend paying stocks, but in the case of TSM specifically I’m going to hold them. I just feel they haven’t reached their full potential yet, and they don’t really have any direct competition as a foundry for chipsets globally. So they will safely stay in my portfolio for sure.

Current value (including dividends & tax returns): €33,272.49. I currently have slightly over €600 idle in received dividends. I can’t wait for this to grow until €1000 by the end of the year. It will then be my first investment into a new stock purely on Dividend earnings. Letting earned money grow it’s own money, I’m sure that will be a great feeling & achievement!

Dividend stock portfolio July 2020


During August I will receive dividends from AT&T and Citigroup, both paying quarterly. Luckily, my portfolio was only hit with a couple of dividend cuts. Which overall makes me very happy.

I’m still down roughly €3000. Another stock market correction might be coming when Q3 or Q4 results are reported. For me, I’ll just keep on investing in Dividend stocks every month to grow the portfolio. Eventually the dividend gains will cover completely any losses of the portfolio. And they won’t be losses as long as I don’t sell… which I don’t really plan on doing in the next years.

Take care, stay safe & speak soon!

Kind regards,


Stock Portfolio Update May 2020

Investment Portfolio update May 2020

Hello everyone with an Investor’s Mindset!

After a couple turbulent months earlier in the year followed by two months of not writing the blog, I decided it’s time for a change.

Over the last three months I kept track of my P2P portfolio, taking screenshots at the 1st of every month to track the progression. It’s not moving much due to a lot of payment schedules being postponed because of the crisis. So I made in 3 months as much as I would have otherwise in 1 month (pre-Kuetzal & Envestio schandals).

So what have I done since the last update? Well a couple of things:

  • Staying safe & staying at home
  • Finished a huge project at work with a tight deadline whilst working from home. As this took a lot of my time (usually 14 hour working days) I just didn’t feel like blogging
  • Focused more on stock investing, which means I have right now €34000 of my own money invested in individual stocks. I’m in the red, but that’s fine as this is also a long-term dividend investing strategy
  • Started withdrawing most of my money out of Robocash. Whilst I believe in the platform and might consider going back -> I don’t think their buyback of the delayed loans is not sustainable in the longer term. And we all know this crisis could continue for a good while. I just don’t see them having enough money to cover everything for their investors
  • Teaching myself with paper trading how to daytrade (scalping)

Time for a change

Which means my investment portfolio has changed a lot recently. Taking a big hit in P2P means now that everything related to stocks is worth 4x more than my crowd investments.

Therefor I think it’s time I start showing you my dividend investing portfolio instead of my P2P investments, and maybe only do a once per year update on my P2P investments. Looking at the updates starting from January this year, I’m actually surprised that I managed to find €15000 in five months to invest in the stock market. I guess my savings accounts suffered slightly because of it. But I still have a couple of months’ salary as reserve fund there so it should be all fine. Always keep that in mind, don’t overinvest just in case. And never invest what you can’t afford to lose.

Diversified Stock Portfolio May 2020

Stock investing

Seeing as I invest in large companies with a nice dividend, I’ve now broken €1500 in dividend payments per year, of which more than half of that is tax-free (per person). I’m quite happy with that, no matter what the market does! The portfolio has been hit only with a couple of dividend cuts so overall I’m very happy that most keep going strong.

So above is a first look at my portfolio. It’s a mix of European, US and Asian stocks. I’ve also tried to expose myself to as many markets as possible to keep a good diversified spread.

Below is my full list of stocks. I’m down still on most of them since I did most of the purchases last year and I’m trying to average down now each month:

Current value (including dividends & tax returns): €30,899.21

Dividend stock portfolio May 2020


The list is sorted on Dividend payment date, in case you were wondering, with this week NN, Orange & Pfizer incoming.

As you see I’m still down on most stocks. I do purchases every time with around €1000 plus the dividends I receive. The biggest torn in the portfolio is currently Wereldhave. Which makes sense as Mall REITs were hurt badly by the Covid-19 situation and they’ve paused their dividend. I’m sure all other stocks will eventually come back to the green. And in the meantime I’m just collecting the dividend payments.

For now I’ll try to keep investing whenever I receive my salary in the stock market. I also guess it only makes sense that I document this on the blog. No affiliates really connected to this – but that doesn’t matter. I keep this as a blog of my investment journey and I hope you like coming on this journey with me.

One affiliate program I’m still a member of I would like to mention. For all of us who sometimes send money internationally, Transferwise is a great, low cost option. So surely I can recommend you take a look and save a lot on bank/transfer fees + get a better conversion rate at the same time.

To end with, I’ll leave you with my most favorite website for tracking the stocks: Seeking Alpha.

They are not the best for tracking European stocks but therefor I use Google Finance and a Belgian website.

Take care, stay safe & speak soon!

Kind regards,


Invest in the stock market now

Peer to Peer Lending: Portfolio update Feb 2020

Hello everyone with an Investor’s Mindset!

The saying “when it rains, it pours” comes to mind if I have to sum up my investments so far in 2020. After losing €4000 on Kuetzal and Investio during January, the stock market market panic in February made my portfolio drop by another €3000.

But hey – all in all I see this as a good thing. It gave me perspective on how risky these alternative investment methods like P2P and crowdlending are. On the other hand I think it’s great the market went on sale right now as it made me invest another €6000 into my stock portfolio bringing up the total to €25000 invested there now. But first, my interest via Crowdinvesting for February;

February 2020Received interestAccount Value
Total (€10.000 start)€62,67€7273,10


Dividend Portfolio Update July 2020

Peer to Peer Lending: Portfolio update Jan 2020

Hello everyone with an Investor’s Mindset!

This is an update that I didn’t feel like writing due to the recent events in the P2P space. However I do feel, as a blogger, we need to write about the good and the bad. And when it rains, it pours if we look at both Kuetzal and Envestio in January.

Both platforms have been confirmed scams or Ponzi schemes recently. Kuetzal nearly on all loans, Envestio at least at some. In the mean time both platforms have completely gone offline and disappeared without additional communication.

That makes my table look a little something like this;

January 2020Received interestAccount Value
Total (€10.000 start)€73,06€7210,43


Review Alternative Investing 2019

Peer to Peer Lending: Portfolio update Dec 2019

Hello everyone with an Investor’s Mindset!

What can fly but has no wings? The answer is… Time. Time doesn’t wait for anyone, which has already led us into a new year and a new decade. Happy New Year everyone! I enjoyed time with friends and family… or friends who became family. I hope you all had great holidays and I wish you the best in 2020. Especially financially.

For investors, time is usually our best ally. As with time money will make money, even whilst we are asleep. I had to work this week, therefore the update in this new year is a bit delayed. I have however taken all screenshots on the 31st of December. So without further ado, here are the numbers;

December 2019Received interestAccount Value
Total (€10.000 start)€124,79€12118,67


Fintech Alternative Investments November 2019

Peer to Peer Lending: Portfolio update Nov 2019

Hello everyone with an Investor’s Mindset!

Good morning! Always nice to be all relaxed when coming out of bed on a Sunday and write some for the blog. Happy December everyone… already the last month of this year. That just seems too fast.

But hey! I’m not complaining, every month we have interest payments incoming and basically all I have to do is sit back to watch it happen and eventually have compound interest take over. OK sometimes I need to manually perform some actions, but that keeps it fun and is not a chore at all.

As always please allow the numbers to speak for themselves;

November 2019Received interestAccount Value
Total (€10.000 start)€165,29€11993,88


Investors Mindset Crowdlending Portfolio Update October 2019

Peer to Peer Lending: Portfolio update Oct 2019

Hello everyone with an Investor’s Mindset!

Good morning! Luckily I have a day off today so I have time to write the blog in a very relaxed state. I hope everyone had a nice Hallows’ Eve. October being my birth month means of course spending quality time with friends and family. Always good to know that whilst I’m spending a bit more than usual on the occasion, a decent amount is also coming in without me having to work for it thanks to crowdinvesting!

October 2019Received interestAccount Value
Total (€10.000 start)€144,00€11.828,59


Crouwd-Investing is the way to have the world in the palm of your hand!

Peer to Peer Lending: Portfolio update Sep 2019

Hello everyone with an Investor’s Mindset!

How is everyone doing? The weather is slowly changing here in Belgium and to be honest I’m not a fan of the cold upcoming months. At work it’s also pretty hectic and busy… But whenever I look at my portfolio I get happy to see that my money is working for me and gaining interest even when I sleep or not working! Got to love that feeling.

September 2019Received interestAccount Value
Neo Finance€-28,32
Total (€10.000 start)€81,10€11.709,01


Beat your bank by investing this way

Peer to Peer Lending: Portfolio update Aug 2019

Hello everyone with an Investor’s Mindset!

Due to a busy weekend, and nearly the end of the summer holidays, I’ll keep the update for this month nice and short.

I’m however trying to always post on the 1st of each month, so here we go with the numbers first;

August 2019Received interestAccount Value
Neo Finance€-0,77€1052,73
Total (€10.000 start)€184,98€11.627,91


Affiliate Links

Thank you for supporting my blog signing up through these referral links:

Fractional Shares: Revolut
Free Shares: Bux Zero
Investing with: Mintos
Investing with: Robocash
Investing with: Crowdestor
Investing with: Reinvest24

Transfer money abroad cheap: TransferWise
Series/movies & free shipping: Amazon Prime

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