• My Net Worth Increased with a stunning 27820 EUR to 645356!
• I landed in Thailand the 25th and I am absolutly enjoying the temperature and the prices!
• My cash percentage dropped further from 7.35% to to 5.58%

If you are new to my blog then feel free to subscribe and get my monthly update every month!

Due to spending 4 weeks in Thailand this update came a LOT later then expected. I honestly doubted to skip it all together, but as I kept track of everything that happened in November I decided to publish it and avoid having a gap!

Thailand

I would actually prefer to write a seperate blog just about Thailand. I already published a few photos, but I plan to write in-depth information on how to travel cheap in Thailand. It took me a few weeks travelling around to realise things could be (even) cheaper so I would like to help others travel cheap in Thailand, explaining what you should spend for what services, from transport, hotels to places to visit. And remember: the best things in Thailand are free!

The stock market

Firstly I did my last purchase of a REIT the 13th of November. I do think REITs are still cheap, even at the time of writing compared to 2021 prices, however they are not anymore at the very extreme bottoms they were at October/early November 2023.

REITs since the October low point have gone up about 20% so I greatly benefitted from the cash I put into REITs at those low points.

But while I like the REITs because I will benefit from a good dividend for life, also the rest of the stock market did really amazing. This is not unique. I feel like its almost every year that September & October are doing terrible, followed by a boom in November.

Where you will see in my October blog my stocks were at 2023 lows or worse, in November things are looking way greener!

How is your portfolio doing YTD? Leave a comment bellow!

My Portfolio

My Portfolio has increased to 399325 EUR (+37648). While I did invest an additional 12000 EUR from my savings, most of the increase was purely because of increase in stock & ETF prices! This increase was high enough to make it look like the sell off in October never happened.

ETFs

The core of my long term strategy is ETF‘s and over the long run the perform very well! This month they gained about 8000 EUR!

Dividend portfolio

The dividend portfolio went up about 8% in November! Its now up 3% as opposed to the 5% down it was at the end of October!

I did some trades that you can read about bellow.

In green are the new additions to my Portfolio. Blue are positions I increased.

• ECO2050: this is a cooperative share. I bought it mainly because: it gives a dividend, it can’t drop in value and mostly it allows you to purchase energy from the Cooperation that is bellow market price
• Medical Properties Trust: They were trading 70% bellow book value. While they had massive dept the bargain was just to good to let go. I was planning to buy more of them but once I bought them the stock price started to go back up

I also added from the following businesses I already owned:

• Cliq Digital: Cliq had reached 2 year low prices while its profit and FCF was higher then ever, so I decided to increase my position with 10% at a 14.4 EUR stockprice. The price by now has already gone back to over 18 EUR
• QFIN: I re-invested the dividend but from a value perspective this remains a very good stock. There is some items I don’t like such as China Risk and the share dillution.

Growth Portfolio

My Growth Portfolio continued to Perform terrible. Paypal did broke out from the low point and might still have a good year afterall!

Crypto

Crypto continues to do well as $CRO is up about 60% this year. I am not buying anything extra but I do keep all the $CRO I get from my Jade Card Cashback.

If you want to use my referral link to get a crypto.com visa card, you can use it here, then both of us will get 25$. I’ve been using mine since October 2021.

Real Estate

I currently owe one apartment that I purchased in 2010 for 136.000. I got it re-estimated in 2020 at it was valued at 185.000 EUR. I did a re-evaluation of my apartment that values it at 205000 EUR.

Startups

Right now I have 1200 EUR still active in startups.

I am using Spreds to purchase these startups, but given my return it is not something I recommend to do.

Check out this post if you want to know how you can invest in startups.

Peer to Peer

I defaulted the last bit of money I had in Mintos. While there is a recovery plan it could take another decade for the money to return, so compared with inflation I will only recover a small amount.

Retirement funds

I get an update just once a year, so I will update it also just once a year. This is from end of 2022. I will update it again in December 2023.

Savings

This was last updated on 31-10-2023.

As I moved significiant amounts from this account to my broker I have updated this numer. As you can see it has dropped with 54000 EUR that was moved largely into my brokers account to invest extra. I would prefer that this account would contain only an emergency fund, so I plan to bring it down by end of Q1 2024 to about 15000-20000 EUR.

I will need some of this cash to purchase a new car. I plan to buy a small second hand car of around 10000-15000 EUR.

YouTube

Check out my channel & videos here

What blogs are coming up next?

• For now mostly videos and monthly portfolios are planned!

Subscribe and make sure you don’t miss any of my monthly portfolio updates!