Portfolio Update September 2021 – +51k CHF NW & Unemployment

Swiss coins

Welcome to the Portfolio update of September 2021. August brought me lots of free time, an 51k CHF net worth increase and some interview experience.

Personal update

The last 1.5 months I spent some quality time with my family. I had time to go hiking, spend some days at our regular place in Ascona with my parents and sister and her family and spend a lot of money in general.

Productivity lacked a bit, I’ve started looking into the different options for a job, got rejected by GitHub after the first few interviews. Applied to 3 more startups and was looking into getting back to mega corp. Turns out the blog post I’ve posted in March to vent my (now gone) frustration with mega corp made it in my records as I found out at the exit interview this week, a post I highly regret and I ultimately deleted after 2 days being online. However it still could mean that mega corp bans me from future job opportunities, unfortunately there’s not transparency about that.
One interview was with a startup where the CEO currently earns 4x less than what I’ve got last, not sure if they could afford me even with company shares. Another interview sounded similar to the crypto gig but they also indicated that my base salary expectations of 180k CHF might be too high for the role. And a MedTech startup might provide an attractive offer as they just closed another financing round. We’ll see where the journey goes, my competitive advantage is certainly my immediate availability.

I’ve met a bunch of friends for food and drinks and bought two new eye-glasses, regular ones for day-to-day use and corrected sun glasses which also help with my colorblindness (usefulness to be tested).

I started doing some bug bounty hunting on the side which didn’t yield any income yet, despite reporting some vulnerabilities that would lead to 5 digit invoices for the customers.

The FTTH connection build-out is now in full force, they’ve even ripped open the street outside our house in 5 different places. ETA October 2021.

This and other holes you get if you order FTTH from your local utility company.

Savings Rate: August 2021

Income / Expenses / Savings Rate for 2021

Cash flow: August 2021

Cash Flow Sankey Diagram / All numbers in CHF

Total Income: 28’099 CHF (+15’655 CHF vs. July) – Regular salary plus severance plus some overtime. I expect much lower numbers in the upcoming months :'(

Total Expenses: 10’594 CHF (+3686 CHF vs. July) – August is always on the more expensive side. Extraordinary positions: 1478 CHF car insurance (yearly), 1400 CHF for the hotel in Ascona (we invited my parents and my wife payed for one night out of her monthly cash allowance), 2213 CHF for Restaurants/Bars (as said I’ve met some friends, with a 370 CHF fancy dinner with 2 bottles of wine as the biggest position ah plus 450 CHF for the dinner with my parents and sisters family). I hope the next months are a bit better. The FTTH invoice is still pending and we’ve ordered some curtains for our windows, who knows.

Savings Rate: 62.30% (+17.81% vs. July) – Heh, savings rate looks great on paper but 10k CHF expenses is not sustainable even if it was the 3rd month with that amount this year 🙁 (other two months were mostly due to bought watches tho).

Net Worth: 1.06M CHF (+51k CHF vs. July) – Most gains from cryptos, the regular stock market seems to be a bit uninspired and not moving much.

Stock Portfolio

Stock Portfolio value: 270’348 CHF (+13’381 CHF vs. July)

Stock Symbol# SharesAvg. priceCurrent priceUnrealized P/L
VT1634.6187.34 USD106.61 USD31’498 USD
ARKK340.75111.15 USD122 USD3’697 USD
AVUV563.7272.61 USD75.5 USD1’629 USD
AVDV434.5162.79 USD66.27 USD1’512 USD
ABBA4810.14 CHF21.24 CHF532 USD
Total3021.59N/AN/A38’869 USD
Stock Portfolio end of August 2021

I’ve enabled fractional shares for the US market to minimize the cash laying around in IBKR. Some good move up this months but nothing exciting compared to the crypto market.

Due to the job uncertainty and the looming FTTH invoice I’ll hold off from putting more money at the stock portfolio for now. However 45k CHF of liquid cash not earning any interest is a bit too much for my taste.

Crypto HODL Portfolio

Current HODL portfolio value: 280’285 CHF (~6.5 BTC) (+35’225 CHF vs. July)

Another nice gain from my HODL portfolio. For new readers HODL is basically a typo’d form of hold and means that people hold on to their cryptos w/o any specific target price to sell. I really hope for that 100k USD per BTC by the end of the year.

Crypto Gambling Portfolio

I optimize for BTC growth in this small crypto portfolio. No new funds were added in August. I’ve withdrawn 1’000 CHF worth of crypto for another small investment opportunity.

Gains/Losses this month: +4’201 CHF (+2’901 CHF / +0.01327905 BTC vs. July)

I’ll just post my Binance portfolio picture here:

Binance Crypto Gambling Portfolio (August 2021)

I managed to beat the general BTC trend which gained 13.52% and I’ve made 35.63%.

P2P Portfolio

PlatformValue
Bondster973 EUR
DoFinance4195 EUR
FastInvest3120 EUR
Flender1616 EUR
IuvoGroup1315 EUR
Mintos1650 EUR
PeerBerry884 EUR
RoboCash0 EUR
Swaper9.84 EUR
Viventor2005 EUR
Wisefund1000 EUR
Total16’771 EUR

July Income from P2P Portfolio: 53.47 EUR

Noteworthy updates:

I liquidated a total of 603.53 EUR of my P2P Portfolio in August.

  • I’ve received a subpoena to testify as a witness against wisefund.eu, curious to see what they want from me. Maybe they’ve seen my review of wisefund?

Blog statistics

Views: 1520 (+196 vs. July) nice to see some growth 🙂
Visitors: 515 (+39 vs. July) Steady growth of ~35 ppl cool 😀
Followers: 42 (+1 vs. July) could be more but I take what I get.

I posted 1 blog post in August. the monthly update. If you have ideas or are interested in more details let me know in the comments.

That’s it for this month. Like last month let me know if you like the style and the ordering of topics.

If you have any questions or comments, please leave a message below or contact me by email. I try to answer all comments and emails.

6 Replies to “Portfolio Update September 2021 – +51k CHF NW & Unemployment”

  1. Either way would be ok. I had no formal management position (with direct reports and stuff) yet but would be willing to grow in that direction.

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