Portfolio yearly overview

This is an overview page of my investments, income, debts, spending habits, and update this once a year. I will do this every year by end of May, so I am sure to have all data.

Last updated May 2020

Investment Portfolio

My investment portfolio includes every type of investment apart from Real estate: pension saving, startups, ETFs, stocks, and peer to peer lending

  • 2010: the year I started working and bought my first apartment the same year. I got a very minor pension plan from my employer
  • 2013: The year I started to investing into an additional pension plan with Tax Benefits
  • 2014: I changed jobs, this job had a better pension plan
  • 2016: I discovered the stock market and started investing into Funds
  • 2019: I discovered FIRE, ETFs and Peer to peer

Income

Working in IT has in advantages. While I started out very very low I did had the chance to grow very fast. As long as you keep your eyes open for the right job opportunities and keep growing in the direction that you like.

Its interesting to note that I actually do not have a degree in IT, I took some separate courses and got some certificates but mostly I learned on the job. This also explains why I started out very low.

  • 2011: I just started working, my first wage was 1270 EUR after taxes and a gas card. I was on probation for 3 months
  • 2012: I got my first company car, and because I won a competition at work that included taking exams, they could not deny a wage increase. I got to choose my car myself, and went for a full option Golf Bluemotion.
  • 2013-2014: I got almost no increase and I decided to look for another job
  • 2015: I start a new job, this included travel and allowed me to earn bonuses when I traveled. I did get a company car there aswell, and rode a Seat Ibiza to start with.
  • 2016: I got a 5% raise, and a change in company policy included now, apart from our daily travel bonus, quarterly and yearly bonuses. My yearly bonus was 10% of my normal wage. I got a new company car. I did not get to choose and got a Golf with limited options.
  • 2017: I got another small raise, about 5% this time
  • 2018: A big contract was signed and many people working on it including myself got a raise. I got a 18% raise
  • 2019: My yearly bonus was increased to about 20-25% if I met my targets. Additionally I got a 5% raise on my regular wage.

Debt

I currently have three loans running

  • Loan #1 (2012): for my current apartment: I had to loan 56.000 EUR to buy my current apartment. This loan will be fully paid in 2021.
  • Loan #2 (2018): The first roof of the apartment block with a total of 11 apartments had to be renovated, in total it was about 30.000, my share was about 2700 EUR. This loan will be fully paid in 2021.
  • Loan #3 (2019): The second roof also went under renovation for a similar amount. This loan will be fully paid in 2023.

Real Estate

  • Apartment #1: purchased at about 136.000 EUR in 2012, click on the link for more info

Saving rate

I only started to track my savings rate by the end of 2018. Much had to do that it was quite difficult to keep the expenses of work apart from personal expenses. Now I have found a system that makes it easier to track. As I have limited date for now I am displaying the monthly saving rate graph

  • 2019: my savings rate was 45.8%