Portofolio Update September 2019

Considering that we propose just to consolidate our portfolio, it is a bit normal that I have nothing new to add here. There was no important movement to our portfolio, just a consolidation in FOREX category and a big decrease in the Economy fund. I know that technically we should have a ‘holiday’ saving fund, and we have one but it is sufficient for small trips (2-3 days) and in Romania. Abroad trips are more expensive. But as I mentioned in another post, we are using the economy fund as a buffer for our needs and take notes of every spending we make. When we have available ‘debt’ money, we just put them back. And as a spoiler, we are going in Holland in end November start of December.

The big drop is from a trip we took, in Germany and Austria (a total of 10 nights). Well, we didn’t exactly decide these 3 months, we planed it since February-March and we made the trip in end of June beginning of July. We traveled by car to reduce the cost of airplane tickets and we stayed in Arad, Munich, and Vienna. It was a wonderful and well earn trip, that helped us to recharge our batteries and spend time as a family.

Overlook on September 2019 Portfolio

So not enough words to say here, let’s just get down to numbers….and the tables….and just the usual explanations (hope you got used to them and will definitely take into consideration all feedbacks).

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September 2019 – asset distribution
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September 2019 – risk distribution

The only deposits this months were the monthly mutual funds and an increase in FOREX (428.39USD)

  • FOREX category was again in the red, but not the biggest loser,  -8%, equal to -49.92 USD. The good part is that the minus is also because of the RON/USD conversation.
  • Crypo, applies very well the principle ‘what must go up, must go down’ with a down of  -248.7USD, and that is a -26% decrease in account size.
  • Mutual funds, really make me think if they are worth it as an investment, per total. We see a gain of 11.32USD, with a profit of 2%.
  • P2P loans are doing very well, 40.64USD profit. We are up 4% and can’t wait to see December statistics to see the total yearly gain.
AssetJun 2019DepositEnd PeriodGainGain %Increase %
Mutual Funds815.99141.84969.1511.322%19%
Asset Increase: Asset, Deposits, Realized Profit, Increase versus June 2019
AssetJun 2019DepositEnd PeriodGain %Increase %
Economy Fund2305.41-1338.25966.560-59%
Emergency Fund165.5547.29212.77029%
Asset Increase: Asset, Deposits, Realized Profit, Increase versus June 2019

The plan for next months….just add some more to FOREX and Emergency Fund. Finger cross to see how it will go!

Thank you for reading this!

Disclaimer: I am not a financial consultant, all the information you find here are my decisions, I taken in that moment, on my own analysis. I am open to any type of discussion about money. If you want to replicate my portfolio take into consideration that it is your money.

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