Hi folks! It’s coming that time of the year where it’s harder to save more money 😅. Have you been able to resist Black Friday? Did you start buying your Christmas gifts already?
Either way, don’t forget to first invest in yourself and then use the remaining budget for the rest. 🤑
I know I’ve been saying that a bear market seems close to us, but the truth is, no one knows when it will happen. I have a feeling it’s close though, what about you? I’d like to know your thoughts in the comment section below as well!
Stocks
The Shiller PE ratio decreased slightly (<1%) in November, but it’s still very high.
If you’d like to know more about my stocks, take a look at the portfolio page.
Cryptocurrencies
I’m and will dollar-cost averaging for many years (at least that’s the plan). Even though I entered in a bull market this strategy is working. Nonetheless I’m aware that in crypto things can change really quick and I might be losing 90% of my capital tomorrow. The key is to diversify.
Crowdlending
I don’t plan to invest in P2P anymore due to several reasons that I expect to write about soon in the blog. Stay tuned!
| Platform | Portfolio Value | XIRR |
| Kviku | €65 | 7,74% |
| Mintos | €657 | 10,72% |
| Swaper | €97,51 | 13,87% |
| Moncera | €132,85 | 6,30% |
| PeerBerry | €656,98 | 12,57% |
| Robocash | €273,27 | 5,23% |
| Iuvo Group | €310,18 | 9,77% |
| Crowdestor | €620,27 | 2,79% |
| Estateguru | €216,97 | 9,07% |
| Neo Finance | €164,99 | 1,87% |
| Lendermarket | €118,51 | 14,25% |
| Total | €3314 | 8,6% |
*Obs: Don’t make the same mistakes I did if you’re about to start Crowdlending investments by reading 7 things you should know before investing in P2P.
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