New year and new track record page.

We will continue with the same style (at least at the beginning).

You can see previous year here.

January

January Investment

Invested in the Month: € 1.700 (in the bonds for the loan repayment)

Unrealized gain/loss Month: € 6.469

Unrealized gain/loss total: € 58.600

Total money invested € 202.064

Value: € 261.769

Unrealized gain/loss in percentage: 28,84%

FI Date: 01-05-2134

January Comment

Putting money in the bonds ETF to repay the loan.
Nothing special happened. Hoping Trump stops with Venezuela and not make more issues around the world.

February

February Investment

Invested in the Month: € 916 (in the bonds for the loan repayment)

Unrealized gain/loss Month: € 2.178

Unrealized gain/loss total: € 60.778

Total money invested € 202.979

Value: € 264.863

Unrealized gain/loss in percentage: 29,78%

FI Date: 01-09-2349

February Comment

Next month I’ll start putting money back in the bank account. I’ll anticipate around € 3.000 that will come in May 2026 avoiding investing. So no investments for March and April.

March

March Investment

Invested in the Month: € -37.464 (withdrawn for loan repayment)

Unrealized gain/loss Month: € -14.995

Unrealized gain/loss total: € 45.782

Total money invested € 165.515

Value: € 212.404

Unrealized gain/loss in percentage: 27,48%

FI Date: NaN

March Comment

March 2024: First 100K

March 2025: I made my greatest loss in one month ≈ -15.000 € (-10%).

March 2026: Again ≈ -15.000 € (-7%)

March crazy month

New year and new track record page.

We will continue with the same style (at least at the beginning).

You can see previous year here.

January

January Investment

Unrealized gain/loss Month:  € 3.790

Unrealized gain/loss total: € 37.220

Total money invested € 127.253

Unrealized gain/loss in percentage: 29,00%

FI Date: 01/05/2140

January Comment

For this month and the next one probably, I’ll not invest due to cash shortages for other projects. I’ll talk about them in next months if they’ll give good results.

February

February Investment

Unrealized gain/loss Month:  -418€

Unrealized gain/loss total: 36.802€

Total money invested 127.253€

Value: 169.182€

Unrealized gain/loss in percentage: 28,67%

FI Date: 01/08/2187

February Comment

I added the amount of money in each asset to be more clear.

Also this month I didn’t invested, but it’s ok. The market this month lateralized. It seems strange to me. Preparation for a crash?

March

March Investment

Unrealized gain/loss Month:  -10.702€

Unrealized gain/loss total: 27.143€

Total money invested 130.710€

Value: 158.958€

Unrealized gain/loss in percentage: 20,59%

FI Date: NAN

March Comment

Last year this month I made 100K, this time I made my greatest loss in one month

≈ -15.000 € (-10%).

That said, I’m not too worried—I had anticipated something like this for a while.

I expect the market to move sideways for most of the year without major crashes (though I wouldn’t mind being wrong if it means getting some bargains).

April

April Investment

Invested in the Month: 3.550€

Unrealized gain/loss Month: - 5.867€

Unrealized gain/loss total: 21.275€

Total money invested 134.260€

Value: 156.641€

Unrealized gain/loss in percentage: 15,72%

FI Date: NAN

April Comment

Another bad month. Gold is my only asset that continues to grow. Next month I’ll finish to invest the set aside money. The investments for the subsequent months will be more

May

May Investment

Invested in the Month: 1.328€

Unrealized gain/loss Month: 6.912€

Unrealized gain/loss total: 28.188€

Total money invested 135.587€

Value: 164.882€

Unrealized gain/loss in percentage: 20,62%

FI Date: 01/06/2142

May Comment

The market seems to have stabilized. Unfortunately, the loss of value of the euro against the dollar does not help to recover all the losses. From next month I’ll invest very less.

June

June Investment

Invested in the Month: - €

Unrealized gain/loss Month: 698€

Unrealized gain/loss total: 28.886€

Total money invested 135.602€

Value: 165.580€

Unrealized gain/loss in percentage: 21,35%

FI Date: 01/03/2427

June Comment

Having temporarily run out of money to invest, I can only count on monthly savings. Having to change jobs and city where living, I expect not to be able to put much aside for a couple of months.

July

July Investment

Invested in the Month: 721 €

Unrealized gain/loss Month: 7.566€

Unrealized gain/loss total: 36.759€

Total money invested 136.322€

Value: 174.188€

Unrealized gain/loss in percentage: 27%

FI Date: 01/06/2081

July Comment

Good month,

Invested my monthly savings and the market had big returns.

August

August Investment

Invested in the Month: 1.054 €

Unrealized gain/loss Month: - 532€

Unrealized gain/loss total: 36.227€

Total money invested 137.377€

Value: 174.710€

Unrealized gain/loss in percentage: 26,16%

FI Date: -

August Comment

Classic down movement in August. Fine.

Next month, I’ll move to Paris to start my new job.
I’ll invest all my sign-on bonus plus a couple of thousands of euro that arrived from University because I do apprenticeship.

Moreover I’ll move some money from a deposit account to an fixed maturity date bond ETF.

September

September Investment

Invested in the Month: 52.350 €

Unrealized gain/loss Month: 5.894€

Unrealized gain/loss total: 42.121€

Total money invested 189.726€

Value: 232.954€

Unrealized gain/loss in percentage: 22,07%

FI Date: 01/06/2314

September Comment

Very good month.
Now the statistics are a little bit altered by the nearly 30k in Dec26 Bond ETF but they will disapper for when I have to repay my student loan.

My goal for the next three months is to save money to increase the Fixed date bonds ETF. I want to have the money by July 2026.

October

October Investment

Invested in the Month: 5.056€

Unrealized gain/loss Month: 7.052€

Unrealized gain/loss total: 49.005€

Total money invested 194.950€

Value: 245.062€

Unrealized gain/loss in percentage: 25,00%

FI Date: 01/05/2166

October Comment

99% of money invested moved to the SP500 due to automatic investment plan I forgot to cancel. Damn!

I have to reach 42k fast for paying back my student loan

November

November Investment

Invested in the Month: - 109,33€

Unrealized gain/loss Month: 981€

Unrealized gain/loss total: 49.986€

Total money invested 194.841€

Value: 245.933€

Unrealized gain/loss in percentage: 25,50%

FI Date: 01/05/2517

November Comment

I disinvested part of automatic cashback investment while spending with my debit card.
Moving investment from this month to next

December

December Investment

Invested in the Month: 5.541€

Unrealized gain/loss Month: 3.197€

Unrealized gain/loss total: 53.183€

Total money invested 200.381€

Value: 254.671€

Unrealized gain/loss in percentage: 26,40%

FI Date: 01/07/2122

December Comment

Invested 5k on Dec26 Bond ETF.
Just a couple of months and I can come back to regular investing.

Progress Bar Financial Independence

The bars below represent my current financial situation compared to the values I aim to achieve for financial independence. The first bar shows my current money compared to the target value by the end of my journey. The second bar represents the money I have actually invested compared to my total investment goal.

Goals for the end of the year (December 2026):

- Reach 8% of my Capital invested target

- Reach 3% of my Capital end target

Goals for the end of the year (December 2025):

- Reach 6.5% of my Capital invested target ✅

- Reach 2% of my Capital end target ✅

Goals for the end of the year (December 2024):

- Reach 6% of my Capital invested target ❌

- Reach 1.5% of my Capital end target ✅

Goals for the end of the year (December 2023):

- Reached 3% of my Capital invested target ✅

- Reached 1% of my Capital end target ❌

Asset Allocation Over the Years

I'm not proud of my changes, but I hope that tracking them will help me avoid similar mistakes in the future.

World (diversified) + Gold (May 2024 --> Today):

I decided to break it down to have better control over the geographical balance within the old ACWI, and I also added a small portion of bonds.

World + Gold (September 2023 --> April 2024):

After nearly changing portfolios again to improve returns or reduce risk, I decided that time spent trying to beat the market wasn't worth it compared to improving my skills at work to earn more money. I was also becoming obsessed with predicting the future. I plan to create a system to adapt my portfolio according to market conditions, possibly using CAPE.

US Sectorial Strategy + Tips (May 2023 - August 2023)

I removed world quality because, according to my analysis, adding Consumer Staples would decrease portfolio risk.

US Sectorial Strategy + World Quality + Tips (February 2022 - March 2023)

Similar to losing asset allocation, but I added TIPS (Treasury Inflation Protected Securities) for diversification.

US Sectorial Strategy + World Quality (July 2022 - January 2023)

I created this portfolio because I believe some countries, due to their political or social mentality, have the potential for higher stock market returns. One of these is America. Also, I still believe certain sectors can provide better returns under similar market conditions. IT, Health Care, and Utilities are my top picks. Other financial instruments serve to balance the portfolio regarding different market conditions.

Wealthy's Goals (By Years)

Hey there!

Welcome to my little corner of the internet. I'm Wealthy, and this right here is where I put down my financial goals and dreams. Think of it as my personal finance diary, and I'm stoked that you're here to check it out.

2026 Wealthy’s Goals

1: Retirement Savings

• Reach the € 200k invested planned for the last 2 years. (Gains are not contemplated here because they are beyond my powers).

2: Investment Portfolio

• Mantain an asset allocation that gives me peace, accept some changes, but they need to have a strong belief behind.

3: Charitable Giving

• Contributing to causes I’m passionate about will allow me to give back to the community and make a difference. (< 200€/year)

4: Work Improvement

• Try moving to Switzerland.

5: Lifestyle Improvement

• Try to spend less for what I use everyday to save more

6: Continue the blog

• Even if this blog is read by few people I would like to continue to keep it alive. It’s a great outlet for me and I hope I can help someone with my posts.

2025 Wealthy's Goals

1: Retirement Savings

• Reach the € 200k invested planned for the last year. (Gains are not contemplated here because they are beyond my powers). ❌

2: Investment Portfolio

• Mantain an asset allocation that gives me peace, accept some changes, but they need to have a strong belief behind. ✅

3: Charitable Giving

• Contributing to causes I'm passionate about will allow me to give back to the community and make a difference. (< 200€/year) ✅

4: Work Improvement

• Make a career leap to improve my salary. (Changed job and landed in Amazon) ✅

5: Lifestyle Maintenance

• Actually, I like my lifestyle, trying to do new experiences without increasing my spendings (moving to Paris increased my expenses and I find few solutions to downgrade it) ❌

6: Continue the blog

• Even if this blog is read by few people I would like to continue to keep it alive. It's a great outlet for me and I hope I can help someone with my posts. ✅

2024 Wealthy's Goals

1: Retirement Savings

• First Goal is to reach € 200k invested in the capital market. (Gains are not contemplated here because they are beyond my powers).❌

2: Investment Portfolio

• I don't change my investment portfolio (ACWI + Gold) and neither % (ACWI 90% / Gold 10%). Even if some discrepancy (<5%) are accepted.❌

3: Charitable Giving

• Contributing to causes I'm passionate about will allow me to give back to the community and make a difference. (<200€/year)✅

4: Work Improvement

• Learn more and more and become a non-negligible resource for the company I work for.✅

5: Lifestyle Downgrade

• Lastly, I believe in enjoying the present while planning for the future. I'm setting a goal to reward myself without lifestyle upgrades, but with finding new ways to enjoy life spending less. ✅

6: Continue the blog

• Even if this blog is read by few people I would like to continue to keep it alive. It's a great outlet for me and I hope I can help someone with my posts.✅

New year and new track record page.

We will continue with the same style (at least at the beginning).

You can see previous year here.

January

January Investment

Unrealized gain/loss Month:  € 2,276

Unrealized gain/loss total: € 6,426

Total money invested € 85,097

Unrealized gain/loss in percentage: 7.55%

FI Date: 01/11/2220 (continue to increase...)

January Comment

Markets seems to have started a new rally, but only the USA BigTech are growing. Not so enthusiastic also because I invested in ACWI. China always deeper.

I should be happy because my portfolio is growing, but I fear why it happens.

Maybe I'm overthinking.

February

February Investment

Unrealized gain/loss Month:  € 2,514

Unrealized gain/loss total: € 8,940

Total money invested € 89,337

Unrealized gain/loss in percentage: 10.01%

FI Date: 01/09/2090 (thanks Mr. market, I gained 130 years 🤣)

February Comment

The US Large Cap market rally seems to continue, NVIDIA ha doubled the revenues in in 1 year (AI is a new real trend like internet or a bubble?).

Value stocks are ignored by investors as like as China and Europe. Wealthy will continue to be a dead 💀 investor. No matters what will happen.

Other doubts are on when Interest rate will be cutted?

I hope before June.

Good point I'm near € 100K 🎉🎉🎉

March

March Investment

Unrealized gain/loss Month:  € 4,029,2

Unrealized gain/loss total: € 13,250

Total money invested € 89,337

Unrealized gain/loss in percentage: 14.83%

FI Date: 01/07/2108

March Comment

I made € 100K 🎉🎉🎉

I didn't invested this month due to problem with my bank. I have € 20K blocked. Thanks BBVA 😡

I'm moving to ING, let's see how much time we need to open the account.

I hope to invest in April, without issues.

April

April Investment

Unrealized gain/loss Month:  - € 937

Unrealized gain/loss Total: € 12,313

Total money invested € 91,337

Unrealized gain/loss in percentage: 13.48%

FI Date: 01/12/2312

April Comment

Another month with low investment amounts, due to the problem with BBVA. In this first days of May, I received my money from them on ING. I'll invest the money in May and June to return on the right way.

Stocks are going down from the rally, while Gold continue to increase. Increaser in gold sounds no good to me. We will see in the future.

Finally, the UCITS Developed ex US ETF is arrived from Xtrackers. ISIN: IE0006WW1TQ4.

Next month I'll move to divide my ACWI in 3 ETF:

• US

• DEV ex US

• Emerging Markets

More next month!

May

May Investment

Unrealized gain/loss Month:  € 969

Unrealized gain/loss Total: € 13,282

Total money invested € 96,289

Unrealized gain/loss in percentage: 13.79%

FI Date: 01/3/2091

May Comment

As mentioned last month I made a change to better control the weight of the United States and the rest of the world on my portfolio.
I decided to split the MSCI ACWI ETF into 3 ETFs (SP500, World ex US and EM) and to integrate an ETF on companies that invest in Private Equity to have exposure to this market in which we cannot directly invest through ordinary markets.
For the moment I have given a weight of 20% to the private market, I do not yet have a precise idea of ​​the right allocation, but I believe it will not easily exceed this percentage as it is a very volatile market (but which has also given very good returns).

See you soon!

June

June Investment

Unrealized gain/loss Month:  € 3,414

Unrealized gain/loss Total: € 16,775

Total money invested € 101,440

Unrealized gain/loss in percentage: 16.54%

FI Date: 01/09/2209

June Comment

I didn't follow the market much this month and I only realized that I had earned €3000 when I filled out the report.
I don't have much to say about the month because not much happened!

Half Year Comment

Half the year is gone!
I promised myself to learn to evaluate quality companies well by the end of the year to better understand if the market is overvalued and how to behave accordingly --> keep liquidity(?)
Maybe I will open a stock portfolio in the future with a small percentage of the total portfolio (1%) to see if my theories work.
Yes, I know the market is efficient based on the information that exists at that moment. However, it is also true that the market often exaggerates irrationally when it is too euphoric or too depressed. Let's see if I can find some depressed stocks to resurrect.

July

July Investment

Unrealized gain/loss Month:  € -276

Unrealized gain/loss Total: € 16,499

Total money invested € 105,346

Unrealized gain/loss in percentage: 15.66%

FI Date: 01/07/2164

July Comment

The month has shown signs of decline in the last period.

Are we close to a significant market correction?

In any case I am not too worried about it.

This month I have also started to analyze individual quality companies, but I am not yet too comfortable to talk about them here, news will come in the future.

August

August Investment

Unrealized gain/loss Month: € +1204

Unrealized gain/loss Total: € 17.709

Total money invested € 109.946

Unrealized gain/loss in percentage: 16,11%

FI Date: 01/12/2200

August Comment

Same as last month.

I'm continuing my analysis of Quality companies, it seems there is potential, but I still don't understand why excellent companies should be little appreciated by the market (obvious irrationality?)

September

September Investment

Unrealized gain/loss Month: € +4.076,34

Unrealized gain/loss Total: € 21.785,47

Total money invested € 113.626,13

Unrealized gain/loss in percentage: 19,17%

FI Date: 01/12/2135

September Comment

Excellent month!

Market fluctuations can now yield more from my investments.

I finished analyzing Quality companies, a very nice investment approach which however does not fully satisfy me. I continue to see critical issues and I believe that markets always move on expectations as well as company data

October

October Investment

Unrealized gain/loss Month: € + 3.844,72

Unrealized gain/loss Total: € 25.630,19

Total money invested € 118.232,24

Unrealized gain/loss in percentage: 21,68%

FI Date: 01/12/2106

October Comment

Another great month!

I'm studying momentum to see how it behaves in different market situations. It seems to be doing better than the market.

November

November Investment

Unrealized gain/loss Month: € + 6.373,20

Unrealized gain/loss Total: € 32.003,39

Total money invested € 123.757,66

Unrealized gain/loss in percentage: 25,86%

FI Date: 01/12/2084

November Comment

Third month in a row with great returns!

I'm noticing that momentum investing is very much in line with my philosophy.

The price doesn't go up all at once, but it adapts to the expectations of investors. Including irrational expectations. I'm learning a lot about how it works.

December

December Investment

Unrealized gain/loss Month: € - 2.108,25

Unrealized gain/loss Total: € 29.895,14

Total money invested € 128.358,64

Unrealized gain/loss in percentage: 23,29%

FI Date: 01/6/2277

December Comment

Beginning of the reversal?

Possible, but I don't think so.

In the meantime I've studied momentum investing better and created a strategy that I'm backtesting to see if it works.

New year and new track record page.

I made some changes on the graph type.

I decided to move from an area chart to an histogram for the monthly review.

You can follow my 2023 Investments here.

January

January Investment

Unrealized gain/loss January: + € 50

Unrealized gain/loss total: - € 254

Total money invested € 13,053

Unrealized gain/loss in percentage: - 1.95%

February

February Investment

Unrealized gain/loss February: + € 72

Unrealized gain/loss total: - € 181

Total money invested € 15,553

Unrealized gain/loss in percentage: - 1.17%

March

March Investment

Unrealized gain/loss March: + € 357

Unrealized gain/loss total: € 175

Total money invested € 18,053

Unrealized gain/loss in percentage: 0.97 %

1st Quarterly Comment

The first quarter is finished pretty good with almost 1% gain. I'm generally satisfied.

I started to invest also in bonds (TIPS) trying to lower the volatility of my portfolio and in April I'll invest to bring them to 10% of my portfolio. Thus, April will have strange investment installments to rebalance the portfolio. I also have to change my Gold ETF because the one I'm investing into is no more supported in Italy, so I will move from XGDU --> SGLD. I think I'll maintain both of them without selling the first and only adding both under Gold.

My investments should continue to be € 2500 monthly until the end of the year. I will see next year if something changes.

See you next end of quarter 👋

April

April Investment

Unrealized gain/loss April: + € 60

Unrealized gain/loss total: € 236

Total money invested € 20,358

Unrealized gain/loss in percentage: 1.16 %

April Comment

As you can see I changed a bit my investment. I noticed I used wrong data in the past to create my portfolio, so I made again my analysis and decided to change it quickly. The new Gold ETF is because the old one cannot longer be sold in Italy because it doesn't have the KIID (Key Investor Information Documents) in Italian.

May

May Investment

Unrealized gain/loss May: + € 760

Unrealized gain/loss total: € 995

Total money invested € 22,859

Unrealized gain/loss in percentage: 4.35 %

May Comment

IT Sector ETF had a big jump in the last month. If it continues in this way I think I'll invest less in it in the next months. I don't trust too much this new NVDA price and the bubble around the AI. In any case I hope to be wrong.

I appreciate the market have left behind the bear market and it seems it is going towards a bull market without passing the recession phase. Let's hope so!

In any case, I appreciate my new strategy.

See you next month 👋

June

June Investment

Unrealized gain/loss June: + € 301

Unrealized gain/loss total: € 1296

Total money invested € 25,359

Unrealized gain/loss in percentage: 5.11 %

June Comment

The market seems to be sure that the recession will no happen in the future. The inflation is going down without mining the U.S. economy. Good!

I always have the presentiment goings could go worse from one moment to another.

In any case next month I'll invest the double compared to the previous months.

We will see what will happen.

In August or September I think I'll have to rebalance the Portfolio to lower the IT quote. We will see.

See you next month 👋

July

July Investment

Unrealized gain/loss July: + € 785

Unrealized gain/loss total: € 2,081

Total money invested € 30,359

Unrealized gain/loss in percentage: 6.85 %

July Comment

As I said the last month I increased my quantity invested.

Investors are pretty sure that there will be no recession. I have my doubts.

I don't seem so coherent with myself, I have just increased my monthly investment.

Anyway, I have these money, I have to put somewhere and I don't want to predict the market.

Dead investor is better than active investor.

I'm driving to 50k invested for December! 😁

See you next month 👋

August

August Investment

Unrealized gain/loss Month: - 225,01

Unrealized gain/loss total: € 1,856

Total money invested € 45,998

Unrealized gain/loss in percentage: 4.04 %

FI Date: 01/08/2165 (140 years seems to much 😅)

August Comment

Sure! I changed everything again.
I solemnly promise it's the last time.
I'll explain how the situation arose.
I was fully invested in the US, which I continue to believe is the dominant investment nation for at least the next 50 years. They have a financial system and a mentality of doing business that is completely different from that of other countries in the world.
However, there is always a black swan in the financial markets. That event which is unexpected and destroys everything. So I had looked for something to defend myself from what happened. Here, do you see those €126 losses? They are ETFs that I had taken to protect myself and invest against my strategy. I had also done a few days of analysis (more than a few days)
Then I remembered that "Dead investor is better than active investor". Like I wrote last month and said fuck it all I buy myself the whole world.

New Strategy

I was torn between MSCI ACWI, ACWI IMI and FTSE All-World indexes. In the end I took ACWI because I don't pay commissions on my broker and it had a lower spread. Two taxes avoided with one investment. Furthermore, ACWI and All-world have identical returns, while ACWI IMI also gives exposure to small caps, but the influence is minimal.

I just bought some gold as protection against a global catastrophe. Also, I sold the gold that could no longer be bought in Italy and now I'm done with my investments.

I think I will focus more on increasing my earnings rather than earnings from the market.

Last change I will invest all the money I can afford every month, so you will see months of 15,000 and months of 1,000 euros, don't worry. I simply reasoned (and did some calculations) that spreading the investment over time, unless you're sure of a crash, is counterproductive. As we expect the value of our assets to rise over time, the longer we wait, the less we buy at a time.

I added also the FI date, it works subtracting the actual net worth to the Capital End Target dividing for the amount of money invested in that month.

I almost reached the 50k invested! 😁 (it was easy)

Next temporary goal 75K!

See you next month 👋

September

September Investment

Unrealized gain/loss Month: - 1025

Unrealized gain/loss total: € 831

Total money invested € 59,973

Unrealized gain/loss in percentage: 1.44 %

FI Date: 01/08/2093 (70 years is better than 140 😅)

September Comment

😕 Bad month, I hope in better October.

I decided from next month to use the CAPE to modify my asset allocation to reduce my exposure to Stocks when CAPE is higher.

I don't have to much to say because there is nothing to say.

3rd Quarterly Comment

Third quarterly was good until September, but the most important thing is that I modified my monthly investments, my asset allocation and found one that is more suitable to my actual mental situation.

I'm still confident that this year can conclude with a positive return. In my opinion September was penalized more than the reality was demonstrate by the news and the data.

I hope you continue to follow my blog to see how it goings forward over time!

See you next end of quarter (if I don't forget it) 👋

October

October Investment

Unrealized gain/loss Month: - € 1,730

Unrealized gain/loss total: - € 899

Total money invested € 67,940 + Gains in previous investments: € 1,106 = 69,046

Unrealized gain/loss in percentage: -1.32%

FI Date: 01/05/2183 (160 years 😕)

October Comment

😕😕😕 Bad month, I hope in November.

At least Cape is going down so I'm buying discounted ETF (in theory).

I made some little changes to the table so it should be more readible.

November

November Investment

Unrealized gain/loss Month:  € 2,372

Unrealized gain/loss total: € 1,473

Total money invested € 75,072

Unrealized gain/loss in percentage: 1.96%

FI Date: 01/07/2121 (98 years 😕, still too much)

November Comment

Objectively November was better 🚀🚀🚀, let's see how the year ends.
I wanted to add some savings and cashflow data to improve reporting, but I think I'll start in the new year.

Goal of €75,000 reached 🏅, let's try to finish the year with €80,000, even if I will have some important outgoings, so I will probably invest less money from next month 😬.

December

December Investment

Unrealized gain/loss Month:  € 2,676

Unrealized gain/loss total: € 4,149

Total money invested € 78,672

Unrealized gain/loss in percentage: 5.27%

FI Date: 01/03/2132 (continue to increase...)

December Comment

Always a satisfying end to the year, the markets are already discounting the drop in rates and it doesn't make me enthusiastic.
I'm afraid to sell the bear's skin (the recession) before it's dead.
I think in January I will focus a little more on gold and bonds. I see shares as expensive considering the various crises in the world and the high expectations of investors.

Let's see who will be right.

4th Quarterly (and Yearly) Comment

Completed first year as a full time investor and also first year of continuing to blog.
I like it even if I don't see any readers. It doesn't matter much, since it's more for me than for others.
I wanted to create some kind of in-depth course on personal finance, but let's see how next year goes.

Goals for next year:

• Stay with this wallet (I like it and it makes me calm)

• Continue with the strategy that seeks to use CAPE to prevent systemic crises

• Try to be as dead as possible for the rest

I wish those who read a happy new year (even if you read it in 2135 😂).

Let's see in 2024! 🎉

My portfolio through the year

September 2022:

I have around € 4,000 of ETF and Berkshire Hathaway divided as follow:

Unrealized gain/loss: - € 303

Unrealized gain/loss total: - € 359

Total money invested € 4270

Unrealized gain/loss in percentage: - 8.41%

October 2022:

I increased my investments by nearly € 2100:

Unrealized gain/loss of the month: € 338

Unrealized gain/loss total: - € 21

Total money invested € 6365

Unrealized gain/loss in percentage: - 0.33%

November 2022:

I increased my investments of almost € 2100 again:

Unrealized gain/loss of the month: € 98

Unrealized gain/loss total: € 78

Total money invested € 8459

Unrealized gain/loss in percentage: + 0.92%

We finally see some green

December 2022:

I changed the graph style because the web tools I was using before gave me some troubles.

The differences in terms of values from the graphs above are due to the dates in which they are calculated.

Sorry 😞

Unrealized gain/loss of the month: - € 570

Unrealized gain/loss total: - € 492

Total money invested € 10,533

Unrealized gain/loss in percentage: - 4.67%

And we turned in red area 🙃