Personal Finance · 10. January 2026
December was a relatively quiet month - at least for my portfolio performance as the value stayed relatively stable (+0.17%). However, in terms of portfolio decision it was probably the biggest month in a while, as i decided to sell the Vanguard FTSE All-World I was holding for the mortgage and cash in. I sold in total 56.3K Euro and posted a capital gain of 17K. I kept the cash until the new year - more for fiscal reasons than anything else to be honest and I will reinvest it in bonds.
Personal Finance · 29. November 2025
The markets are starting to be nervous about the current bull market run? There might be something, as in the middle of November the portfolio went below 500K but then optimism seemed to prevail again and the month closed just a bit behind (-1.1%). No movements as I expect the end of the year to be full of expenses, so prefer to keep a bit more of cash in the bank.
02. November 2025
After a very positive September, October goes even better with a +4.27% increase in the month. The purchase of the month was Vanguard North America for 4,800 Euro, quite a sizeable purchase which is the results also of the dividends I got in the last months.
Personal Finance · 01. October 2025
September scores a substantial increase, +3.41%, plus I finally decided to do a bit of cleanup of the portfolio. I sold my long standing iShares Global Clean Energy ETF for 10,200 Euro, posting a small capital gain (+505 Euro) and reinvested basically the same amount in the European ETF. I did it because I was finally reminded of the high TER (0.65%) of the clean energy ETF - something that I kind of forgot until now.
Personal Finance · 01. September 2025
August continues the positive trend of the last period with a +0.35%. No investments done in the month, planning to resume that somewhere in September.
Personal Finance · 03. July 2025
June at least maintained the gain of May and closed with a +0.49% increase. I was able to invest a decent amount, around 2.8K Euro, evenly split between iShares Emerging markets and iShares Europe. I really start to appreciate the help from the dividends to drive up the investments, something before I was not noticing that much.
Personal Finance · 02. June 2025
After the big scare of the last month, May partially recovered the losses and closed with a +4.86%. No time for investments this month, as I was getting ready to change car but should be back in June, let's see.
Personal Finance · 04. May 2025
April continued the downward trend of March and the month closed at -4.04% or 17.7K Euro. I tried to take advantage of the situation by buying the Vanguard North America ETF, now much cheaper than before, for around 2.5K Euro. Its value declined so much that it was the lowest one among the 3 geographic ETFs that I had. Then, I decided to use also the cash reserve I was keeping for the mortgage repayment and invested an additional 8.3K Euro in the the dedicated ETF (Vanguard All World).
Personal Finance · 28. March 2025
March finally showed some sizeable downward trend, resulting in a loss of more than 30K Euro (-6.57%). It also marks the first investments of the year, a bit more than 10K Euro, split more or less equally among iShares Emerging Market, Vanguard North America and Vanguard All World (this ETF is for the mortgage payment).
Personal Finance · 03. March 2025
February had a few ups and downs and ended up in the red (-0.67%) after a strong start in Jan. From a geographical mix, you see actually North America going down (-1.75%), Europe going up (+3.36%) and Emerging Market being stable (-0.02%). This is at least how the single ETFs of the different geographical areas have reacted to all the news around the world.