In general my portfolio is divided between 6 investments. All these are somehow become part of my portfolio overtime. It has not been a plan all along but rather process. I read about something, then analyze and make a decision how this investment fits to my current portfolio. So over time some has landed into my portfolio. Since the beginning I’ve never sold any of my investments yet. I have some plans to sell off some of my stock, but they are too cheap currently. Mainly I talk about the stock I bought when I started investing. I call them schooling buys.
Over the last years the proportions of my investments have changes but currently they have stayed like that:
Every part of investment has it’s purpose and goal.
Stocks are my prime source to get rich investing. They are long term investments and I don’t expect them to pay off yet. My main strategy i
s dividend (growth) investing. Why I put grow into parenthesis? Currently all my investments are not dividend growth, some portion of my stocks are currently high dividend payers and I don’t expect them to grow dividends much. These high dividend payers help me to get some cash flowing and buy more dividend growth stocks.
All my stock investments are in EUR. I’ve thought about USD stocks as well, but I just don’t have enough capital for it. Earning couple of dollars in a month and taking currency risk? Not worth to me at the moment. Plan is to build my Baltic stocks position to reasonable size so the snowball will roll itself and then look to North-America market. Plan is when I do that, I’d like to have enough resources to be able to invest about 1500€ after every 3 months to dividend growth stocks (dividend aristocrats).
All my real estate investments are pretty much on one real estate investment fund. So in that sense I don’t own any real properties. The good returns of REITs have well fed my passive income stream lately. At some point I plan to purchase some properties as well, I would expect them to give me 20%+ return so the struggle would be worth it. Seems to me that this kind of returns are possible in my home town.
Bonds are a way to stabilize income all the time. I see that they offer good and stable interest income, which also helps me to purchase more dividend growth stocks.
Omaraha have had some good returns lately. Way more than Mintos has. But it doesn’t work like Mintos, there is no second market, no buyback guarantee, but loan interests are high and there is fund which pays for bad loans, currently because of crises you get back 55% of money, it was 60+ before. But instead of all that I’d like to put there more money, to get good returns and get money flowing there.
Mintos still is my highest and most stable moneymaker. Currently I don’t plan to deposit more money there since, but I sure invest there. There are some nice high interest loans from good stable loan originators available currently on primary and secondary market, I sure want them into my loan portfolio. If you like to you Mintos aswell and get part of the money flow, click here and you get some extra returns: reference link to mintos.
I’d like to buy more stocks thats for sure. And I want to buy them cheaply. Also I plan to equalize mintos and omaraha portfolio sizes, just to stabilize money returns. I don’t plan to withdraw any money from mintos, but rather deposit to omaraha.