Summary of January 2022

 

Summary of January 2022

Few dividends have arrived and I'm making this summary early due to a ski trip with my family in Sweden next weekend meaning I will be gone for two weekends in a row so this was the best opportunity to report on the developments. Stock markets have gone down and without bringing in more money things are not looking at its best right now for me. As you all know I really do not care.

Received a miniscule salary increase and an acceptable bonus payment, both should arrive on Monday. On my UK stock ISA I'm only allowed to add in £2k more this tax year meaning that I will add in those 2k this month and make one investment but after that I will just have to sit on cash until early April when the new tax year starts again here in the UK. Annoying!

I keep looking at properties in France, and every now and then I see something of interest, however I cannot yet act on it. Smaller vineyards can be bought for surprisingly little money however they then never have a house on them and they have not been run properly either so plenty to do to get it up and running again if one would wish for that. I need to find out more about building permission in France.

For the previous summary please visit Summary of December 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 257,321 €. Monthly investments have not been made since the last report.

The value of the portfolio is today: 371,551 € and I have 2,868 € in cash on my broker accounts. I have realised gains of 2,498 € and unrealised of 114,230 € (31%) which is not good enough but it is improving. My ETFs are now up at a value of 60% of my portfolio.

DAX is now down at 15,266 points which means that it has decreased by -4.3% since the previous summary and my own portfolio has decreased by -5.2% in the same time period. Mainly my ETF Mix have been hit very hard.

Conclusion: DAX have performed slightly better than me this month and the big bulk of reduced unrealised profit has been with my ETF Mix. Omicron, energy prices, interest rates and Ukraine/Russia is likely to be the headlines. None of which I can change and hence I continue and as always... I wish I would be sitting on more cash to push into investments now. I will soon have that but I'm limited with my Stock ISA anyway. I hope all of you are sitting in a better situation today!

Dividends during January 2022

 

Only one little dividend have had the chance to drop in and that was from Associated British Foods. From my 200 shares I received 82.17 € in dividends and this was directly paid out as cash on my broker account.

The stock portfolio development during 2021

 

It has been a spectacular development during 2021. My stock portfolio increased in value by almost 139k € of which 74k € was saved and 65k € came from the value increase. Another year like this one, minus Covid, would be great for me.

In the previous report the stock portfolio development 2020 I spoke about that I had readjusted my target from the original 750k € to 350k € but lately I've increased it to 425k € for having the possibility to buy and restore a renovation object, ideally in the South of France.

This now appears to be a viable option for me to do in one year and four months especially since I'm already up at 383k €, market crashes must however be considered and will then also create delays.

As can be seen in the graph above my plan is working well. In my first year (2012) of investment I ended up with a stock portfolio in the value of 17,659 € which was 4,744 € more then my plan required. In the second year (2013) my stock portfolio grew with 73 % and ended up with a value of 30,623 € which was 4,723 € above my target meaning that I managed to stay ahead of my plan but I did not manage to increase this advantage. In the third year (2014) my stock portfolio grew with 57% and I ended up with a value of 48,208 € which is then 8,333 € ahead of my investment plan which means that I managed to double my advantage during 2014. In the fourth year (2015) my portfolio grew by 53% and I am up at a value of 73,579 €. My plan was to have a stock portfolio of 54,915 € in the end of 2015 which means that I am now 18,664 € ahead of my plan. During my fifth year (2016) which was horrible in terms of new investments my portfolio still grew by 20% and the value was up at 88,414 € which mean that I was still 17,312 € ahead of my plan. In the sixth year (2017) the portfolio grew by 24% with a value of 109,606 € which was 21,802 € ahead of my plan. Followed by my seventh year of investing (2018) and an estimated growth of 19% and a value of ~130,000 which kept me 22,726 € ahead of my plan (hit by divorce). To then in my eighth year of investing (2019) with a growth of 24% with a stock portfolio value of 160,669 € and me being 33,216 € ahead of the plan (still hit by divorce). In the ninth year of investing (2020) and a growth of 52% and a stock portfolio at 243,801 € and me being 94,629 € ahead of the plan (final year of being hit by divorce). In my tenth year (2021) I had a growth of 57% and a stock portfolio at 383,941 € and by that I was 211,395 € ahead of the original plan.

Interesting to observe how well I've managed to progress once the divorce was completely out of the way and even when I had the final hits in 2020 I was so well prepared for it in the end of 2019 that most of it had already been absorbed.

Conclusion: The portfolio has been boosted by a full year of savings without any disruptions and additional costs, Covid downs but mainly market races, the beneficial company pension scheme and salary & bonus increases due to increased responsibilities at work. I look forward to 2022 being the best year ever! Ever!

Oh, and I would also like to apologise because I don't have the energy/interest this year to create the End of year overview of each individual holding. It has somehow become irrelevant to me since I pretty much just buy and hold and I hold them until an external factor forces me to make a sale.

Summary of December 2021

 

Summary of December 2021

In December I managed to travel to Berlin to have feuerzangenbowle with my old friends there and I also managed to go back home to Sweden to visit and celebrate Christmas and New Years eve with them. I had a great time and even managed to get in some snowboarding in the small ski slope next to my families summerhouse. I hope to go snowboarding again in February with my family in Sweden.

Socks seems to have been the Christmas gift of the year in my family. Exciting? Not very, but oh, so useful!

At work we are still being hit by having customers in Asian countries that do more sever lockdowns due to them not having a sufficiently high percentage of the population vaccinated. Have Covid created a "natural selection" in the western world with such surprisingly high percentage of people refusing to get a vaccination? Life in Germany has become difficult if one is not vaccinated. I could not even enter a normal clothes store without showing my vaccination "passport". If this approach is right or wrong I cannot say but a private company that wants to protect its employees have of course every right to refuse customers - it's as easy as that! This will also be a continued driver of online shopping and having everything delivered  home.

As a final note, I find that the step of travelling is extremely safe with going through security checks, boarding, sitting in the airplane, and finally a passport check upon arrival. I see very low risks with the entire process and I doubt many are being infected during the travel and more so while they are on the vacation location and are being more relaxed and maybe not following procedures all the way.

For the previous summary please visit Summary of November 2021 and here you can see my stock portfolio as it is.

The total invested value is now at: 256,767 €. Monthly investments were made in the Mixed ETF, Rio Tinto and ETF EU.

The value of the portfolio is today: 383,941 € and I have 2,777 € in cash on my broker accounts. I have realised gains of 2,498 € and unrealised of 127,458 € (33%) which is not good enough but it is improving. My ETFs are now up at a value of 61% of my portfolio.

DAX is now up at 15,948 points which means that it has increased by 4.5% since the previous summary and my own portfolio has increased by 5.6% in the same time period.

Conclusion: Christmas rally took place in spite of the omicron variant. My holdings managed to perform slightly better than DAX during the month and I am being pushed upwards due to an increased value of the Queens shilling. I've very quickly moved towards my new target of (350+50+25=) 425k€ to buy and restore a renovation object in the South of France and are only missing 42k€ (excluding any potential market crashes). I will however not retire earlier and instead I will hopefully further increase the buffer. My brother spoke to me during the Christmas holiday and was worried about my future and especially concerned that the cash would not be enough. He is very sweet though and offered that I could move into his house once his kids have left in 18 years time - so my cash had to hold my floating until then. A very kind offer but I'm 100% certain it will not be required with me working another 1 year and 4 months with remained insane saving percentage.

Dividends during December 2021

 

I'm a little bit late with this report so actually it also covers the dividend payments during the first week of January also but to my great pleasure several of them have paid out dividends to me so that it great!

BP - paid out 38.54€ that was received as cash on my broker account.

Nike - paid me 10.77€, the taxman took his pound of flesh (15%) and I received 9.16€ as cash on the broker account.

IBM - paid me 36.38€ and in the end it dropped in 30.92€ in cash.

TJC - paid out 14.61€ of which I received 12.42€.

Intel - paid me a nice chunk of 41.25€ of which 35.06€ stuck on my broker account.

ETF EU - directly gave me 13.52€ on my broker account.

Shell - gave me a nice payment of 58.29€ directly as cash.

McDonalds - paid out 29.40€ as cash on my broker account and finally

Yum brands - paid me the tiny sum of 8.44€ on my broker account.