August 2019

Another exciting month! We have bought our new home; a small house 5 km from where we live now. It has just enough space for the 4 of us; my wife, daughter, dog and me. My new workshop is a little pathetic thought, 240 square feet compared to the current 1500. It will be a big challenge to get all my tools, motorcycles, sails etc in there, but is the best we have seen so far. I had to use 10.000 euros for the down payment, so no room for further investments this month. This month we reached our goal for saving for 2019; 40.000 Euros, 4 month ahead of scheduele, really nice!

Endnu en spændende måned! Vi har fået købt vores nye hjem; et lille rækkehus kun 5 km herfra. Der er lige præcis hvad vi 4 , skal bruge, bortset fra værkstedet, her går jeg fra 150 m2 til 24. Her skal jeg have alt mit værktøj, motorcykler, sejl osv. Det bliver svært, men sådan må det være. Vi har brugt penge på udbetalingen til det nye hus, så ingen investeringer denne måned. Vi har nået et af vores mål for 2019; 300.000 kr mere opsparet, 4 mdr før tid, det er bare rigtig lækkert!

We have been living intencional in 2019, making us reach our saving goal way ahead of time.

Distribution

Total investment value; 63730 euros – 633 less than last month, again due to the decreasing stock market.

July 2019

Great month, we were sailing the hole month, summer hollyday in Sweden. I added 6667 euros to Nordnet to buy single stocks, Danske bank and Nordea. They are rather low now, and they both pay dividends to their shareholders, so i think it will end up good. I also added 2600 euros to Mintos and 100 euros to Grupeer.

We got a mail about a new house for sale, i matches almost all of our criterias, so we were excited to see it after our swedish hollyday. It is really small, compared to our current house, and that is what we are looking for, and off course it is also a lot cheaper.

I am a little concered about the stock market, the value of my stocks is decreasing and has been for a while. I will continue investing in index fonds, but not so much in single stocks. I am beginning to wonder where to invest the money from our house sale, and i need at least one more “big” investment- Index fonds will be one, crowdlending will not be more than 100.000 euros and more properties will not be optimal, when we leave the country. Any ideas? We wil be needing investments that create some cashflow, and investments with low risk.

Dejlig måned, vi har været på sejlerferie i Sverige. Jeg har investeret 50.000 kr på Nordnet, på månedsopsparingen samt en portion Danske bank og Nordea. Kursen er ret lav nu og begge udbetaler ret højt dividende, så jeg regner med det bliver en god forretning på sigt. Jeg har haft lidt kvaler med at investere i to banker der i den grad har handlet uetisk. Jeg overførte også 20.000 kr til Mintos og 750 kr til Grupeer. under ferien i Sverige fik vi mail fra Boligsiden, at et hus der matchede vores kriterier var kommet til salg. Det så ret lovende ud, så vi var spændte på at komme hjem og se det. Det er meget mindre end vores nuværende, men også meget billigere, lige hvad vi kigger efter.

Aktiemarkedet bekymrer mig lidt, kurserne har været dalende et stykke tid nu, og det er svært at spå om hvornår bunden er nået. Jeg tænker også en del over hvilke investeringer vi skal foretage, når pengene fra huset kommer til udbetaling. Indexfondene på Nordnet er jeg ret glad for, dem vil jeg gerne have mange flere af, enkeltaktier har jeg mest for sjov, crowdlending giver rigtig godt men må anses for høj risiko og ejendomme er ikke optimale når vi befinder os på den anden side af kloden. Forslag? Vi leder efter investeringer med et vist cashflow og lav risiko.

Lovely Sæby on the way back from Sweden.

Distribution July

Total value of investments 64363 euros- 8623 more than last month

June 2019

As usual i have added 1333 euros to my Nordnet account. No further investments, but this month was never the less great; the house is sold!! The asking price was 766.667 Euros, and we sold it for 706.667 Euros. After all the bills are paid; broker, mortgage,taxes etc, this will leave us with just about 425.000 euros. A big chunk of that will be used to buy us another house, but there are plenty of room for investments!

The new owners will move in 1/11 2019, leaving us a couple of months to find a new home.

Distribution of investments June 2019

Total value of investments 55740 euros, 672 less than last month, due to my stocks on Nordnet.

Mai 2019

In Mai i have added another 1333 euros to Nordnet, same as every month, i have adda 1333 to Mintos, and that is about it. We have spend a lot of time improving the house, getting it more attractive to buyers, the sale is so important for us and our plan to become financial independent. Besides from the economical importance, we are just done here. It is a lovely place, big house, my lovely workshop and lots of land, it has been just the right place for us raising our children, living the family life, but now a new chapter will begin, and that does not include a big expensive house, so it has to go. I am so much looking forward to this, it is really exciting!

I maj måned investerede jeg igen 10.000 kr på Nordnets månedsopsparing, det samme som alle andre måneder. Jeg overførte også 10.000 kr til Mintos, og mere er der ikke sket med investeringerne i denne måned. Vi har brugt en masse tid på at opdatere huset, så det bliver mere attraktivt for købere, salget er en meget vigtig del af vores plan om at blive økonomisk uafhængige. Udover den økonomiske del af det, er vores tid her kommet til en naturlig ende. Det har været et fantastisk sted at være familie, stort hus, stort værksted og 30.000 kvm grund, rigt dyreliv, frugtplantage osv, men nu starter et nyt kapitel, og her passer et stort hus ikke ind. Jeg glæder mig rigtig meget til at tage hul på et helt nyt kapitel, det er vildt spændende!

Distribution investments Mai 2019

Overview Crowdlending Mai 2019

April 2019

In april i added 1333 euros to Nordnet, 1333 euros to Mintos and 1333 euros to Envestio. A total of 4000 euros. Envestio is another crowdlending platform, with a rather high interest to the investors. A short review of Envestio will follow later.

Another thing that has happened, and will make a huge impact on my investments is, that our house is up for sale! We have been living here for 13 years and have maid a lot of extra payments on the mortgage, so we now have a substansial equity in the property. The plan is to buy a lot smaller, and cheaper house, leaving us with money to make futher investments. I am very exited about selling the house 🙂

So far my distribution of investments look like this, point to look the numbers in euro

I april investerede jeg 10.000 kr på Nordnet, 10.000 kr på Mintos og 10.000 kr på Envestio. Ialt 30.000 kr. Envestio er endnu en crowdlending platform, der ofte tilbyder ret høje renter på deres projekter. Jeg vil senere lave en kort omtale af Envestio.

Noget andet, meget spændende, der er sket i denne måned er, og som vil få meget stor indflydelse på fremtidige investeringer er, at vi har sat huset til salg. Vi har boet her i 13 år, og har mange gange betalt ekstra afdrag, så vi nu har en god friværdi. Planen er at finde et meget mindre og meget billigere hus, så vi får råd til at investere langt mere. Jeg glæder mig rigtig meget til at sælge huset 😉

Herunder ses lidt grafik omkring nuværende investeringer:

Value investments total: 51362 Euro

The investments in numbers:

 NordnetMintosEnvestioGrupeerFastinvestProperty 1Total
Value20684267913336767
2695651786
Invested193332667133367672666632733
Income this month
135112050290
1658

About the monthly review

Every month i will write about my investments, how much money i have invested this month, in what platform, how much the value has increased and som few thoughts about why i do as i do. The scheduled numbers will be from ultimo the applicate month.

Feel free to comment, and suggest what you would like to see/know.

I am a beginner in writing blocks, but i will try to make better graphics etc as i gradually get a better blogger.

February 2019

I mam really getting started now 🙂

This month i added 6667 euros from our savings to Nordnet, investing in single stocks. Single stocks will not have a big role in my investor strategy, but right now i like to have some, trading once in a while. Nothing rational about it, i am no expert in stocks. I also invested 1333 Euro on Mintos, a crowdlending platform. I will write a post about crowdlending in the nearer future. So a total investment of 8000 euros this month.

January 2019

This is the beginning, or at least i deside this to be the start. I have saved money for a long time and made a few investments in stocks, but 2019 is the first year i am going for a goal, making plans and decicions for future investments.

The only investments i have made before 2019, is i small property bought for our son, and not as an investment; down payment 200.000 DKR(26.666 Euro) and stocks for 90.000DKR(12.000 Euro). I trade all stocks and funds in “Nordnet”

Sådan ser det ud til at starte med, et stort rundt nul

Mintos

Mintos

Mintos is so far my favorite crowdlending platform. I have been investing on Mintos since i started in january 2019, at it has been running smoothly, giving me the expected interests. At this point my average interest is 11,45%, but it could have been maybe 13-14%. When you invest on Mintos you get to choose from different types of loans, loan orginators, countries, loan period etc. Some of the loans with high interests are personal loans with a very high APR, and i dont want to contribute to this kind off business.

Mintos is very easy to use, just transfer some money and get started. I would strongly advice to use the autoinvest function, unless you want to use a lot of time on their website. The autoinvest will invest all the principal and interest you get from the loaners, so your money will work for you constantly, but check now and then that the autoinvest is working properly and adjusted to give you the results you want. If eg you can see that 30% of your loans comes from the same loanoriginator, you might consider to remove this originator from your autoinvest to bring the part of loan from this originator down. After a while, when you hav achived this, you can add the originator again. Look around on the site and get to know it and all the options it has for you.