Expenditure/Revenue Recap 2022

Money is what people talk about! #recap2022

In the sense of getquin, which allows us all not only to track our own portfolios, but also to discuss money and investments.

First I want to talk about my income, then about my expenses and be as transparent as possible.

(For tracking I use Finanzguruwhich I use since May)

First my income:

In 2022 I have 55.222,26€ received.

My main source of income is my work in the white collar relationship, there I have 40.464,78€ received (December salary outstanding). The rest came from "rental income" of my girlfriend, tax office, profits (shares, sweepstakes, Ebay) and Co.

The income point is I think but not as interesting as the expenditure point:

My expenses:

In 2022 I have 58.218,25€ spent.

The biggest chunk with 19.334€ lies there with the Living. The rent is always deducted in full from my account, my girlfriend then transfers your part. In total, I / we have paid 9,463 € in rent, and moved in April together. The Deposit from 2.550€ I took over alone (Rheinmetall 7er lever of March runs) and the largest part of the furnishings with 5.686€.

The rest comes from electricity, parking and miscellaneous.

Next comes Invest with 10.046€.

There went 8.213€ to TradeRepublic, 1.148€ in Crypto, 380€ in gold/silver and my little old building society contract was allowed to settle with 300€ happy.

The third point is 7.349€
InsurancesThis includes private health insurance and pension insurance, which is why the amount is so gigantic.

The PKV takes since August 3.487€ and the RV
2.425€Thus remain occupational disability with 784 €, legal protection, accident and liability with a total of 651 €.

Let's move on to a nicer point: Shopping with 6.229€

This of course includes forever of small items.

The ones that stick out are a new cell phone from $AAPL , a lot of $AMZN and $EBAY clothing $YOU
$ASC and a lot of untitled stuff from $PYPL and Klarna.

But also some gifts for friends and family.

Right after even better: Food with 3.624€

3.315€ went to supermarkets and discounters (I work in a grocery store, so I see a lot of great and tasty things every day) and 262€ to $HFG

2.913€ are for travel have been spent.

Of course beautifully well-behaved with $ABNB !

Likewise, a vacation is included, which I will make only in February 23, but is already paid 🎌.

Finances and taxes forms a small loan from my dad, which I paid him back and Donations for good causes with 2.765€.

The 2.428€ at leisure expenses include books, subscriptions to $NFLX
$GOOGL
$AAPL
$AMZN and $DIS , ventures, sports, hobbies, hairdresser, cinema and Rock in the Park.

The last of the major items that remain are Restaurants with 1.266€. The most went real restaurants at home and abroad with 684€ and 582€ to fast food from $MCD
$DPZ
$SBUX
$RBD and $YUM

The rest are then still smaller other expenses.

So... Holy Moly, that took longer than expected 😂.

I think I just took over an hour for all the analyses and the written record, but I think that I have also learned something from it.

Overall, I think that the expenses were ok, especially for the circumstances this year.

Next year I will invest and travel more and spend less on the apartment.

Who has made it down to here I would like to thank upright ❤️

It gives me so much pleasure to talk with you, to write posts and to get to know other views!

Absolutely gigantic thank you to everyone who has liked and commented on my posts this year! ❤️❤️❤️

I think that was my last big post this year, in the next it goes on 😃

Stop stop! There was something else! I want to know how it was with you!

I am clear, not all want to write something like that in numbers but I would be interested in how the expenses and income of you look in percent!

What percentage of your expenses go into investing? How many for rent/house away?

And to anyone doing a post on this, feel free to link, would love to see it! 😃

(Especially what a donkey spends on his meadow or a panther in Bali!).

My (financial) recap 2022

After @getquin this year probably does not create a template for a personal review (see https://app.getquin.com/activity/TONdVLhhVx ) and I was asked by @Barsten (who has deleted his post for reasons in the meantime) for my #recap2022 this one comes without a template. But that also gives me the opportunity to be a little freer and not only to go into my income and expenses 😊.

When I at the beginning of 2022, after a few years of chaos investment, my Strategy had found, I announced this of course also on getquin and asked you for feedback. You guys were, by an overwhelming majority, thrilled. So was I. But not for long. It didn't feel good. I was looking at the depot too often. So I changed my strategy again (the goal remained the same!). But that's not a problem. The head is round, so the direction can change while thinking. You can read it here: https://app.getquin.com/activity/NhIGEJGCTA . The only thing missing is the reallocation of the accumulating IT ETF to the distributing IT ETF.

This brings me directly to my most important insight in 2022, which for me is also one of the foundational posts on getquin: "Why it makes sense to sell bad buys at a loss" https://app.getquin.com/activity/JMQwETSOoS . So why haven't I rebalanced already? The spread between the holidays is too high for me. After that, the next savings plan is due in mid-January. The reallocation is therefore only at the end of January, beginning of February. I myself have followed my advice very often and also separated at a loss from assets that no longer fit into my strategy. At the beginning it hurts, but after a short time there is always a relief.

The turnaround in interest rates also opened my eyes and made me change my long-held plan to buy a property to buy a property for my own use, and to calculate it financially. You can find the results in a total of three posts, the first here: https://app.getquin.com/activity/FoLdCxttXY . Since I'm also not really the type to own real estate (handicraft untalented, four left hooves, no fun DIY, ...), I decided to bury the dream for now and gradually reallocate my saved EC from 2023 in my portfolio. Not to exclude that I do not strike at some point with a good offer, but I do not want to leave my money lying around any longer without it working for me. By the way, this was also the motivation for my article "Assessing the risk of a short investment period correctly". https://app.getquin.com/activity/oyjGfrRRfr

YTD my portfolio is currently over 35% in the minus. But that's okay, because I (meanwhile) have confidence in my strategy. In addition, I look forward to being able to take advantage of the good prices in 2023 with my saved equity.

My income has changed only moderately. The savings rate is relatively high, but I don't track my income and expenses. That's too time-consuming for me. I don't want to optimize myself for the last cent. I like living too much and this can be over at any time. For example, due to a vacuum decay: https://www.heise.de/news/Ende-des-Universums-Es-koennte-im-Prinzip-jederzeit-passieren-4890720.html . So I continue to treat myself to things without throwing money out with all four hooves to the stable (except possibly for the rental stable, which is quite expensive). Everything that is left at the end of the month goes into the depot.

Otherwise, I'm getquin, despite all the bugs, very grateful for this valuable community, from which I was allowed to learn a lot (and which of course could also learn a lot from me 😎). However, what really annoyed me were the polarizing and poorly researched statements / "alternative facts" about Crypto of any kind. Primarily from users without a clue but with a lot of opinion - and both pro and con crypto. This is what finally led me to write the article "Bitcoin is crypto and crypto is dead. Long live Bitcoin!"

https://app.getquin.com/activity/FYtgJmTHNP to publish, to dispel the most common myths and to try to make the discussion a bit more factual. Also kind of bizarre that I'm trying to objectify something 🤷. I'm relaxed about crypto as an investment. I didn't invest big in 2022 and I won't again. But what I have, I will continue to hodln.

Even if I conclude by referring back to my post "Challenges, the chain letters of the 2020s."

https://app.getquin.com/activity/WrqkTbtxtp I would be interested to know what you learned in 2022, how your strategy may have changed and what else is exciting to share from 22 or for 23.

#recap
#esel

+++ My Portfolio - Year in Review 2022 +++

Like many others, I myself of course have some things in 2022 for (or against) my finances, invested, changed some things and made one or the other financial decision.

The following list does not claim to be complete. I will not publish complete figures, but at least the numbers presented here should be enough for an insight...

🧮 Total performance 2022 (incl. all assets not tracked at Getquin): -12,37%.

📊 My investments (as of 12/31/22):

44.73% in ETFs (MSCI World/EM)

39.77% in individual stocks

3.91% in commodities (physical gold, gold ETC, silver)

3.30% in cooperative shares

2.72% in bonds (-ETF)

2.18% in CrowdInvestments

1.13% in cryptocurrencies (BTC & ETH)

0.56% in balanced funds

0.26% in P2P (Bondora G&G)

📈 Top 5 Investments in 2022:

Delivery Hero SE Call: +97,83%

Shell PLC: +39,33%

Gold (physical): +30,06%

Deere & Company: +26,65%

Coca Cola Company: +17,59%

📉 Flop 5 Investments in 2022:

BTC: -52,57%

STEICO: -48,18%

ETH: -46,52%

Amazon: -44,85%

Secunet Security: -44,67%

💰 Dividend yield on depositary shares: 1,13%

📆 Average holding period shares:
2,023 days

❌ Sells 2022: VISA, Texas Instruments, Fortinet, Unilever, 3M, AT&T, Shell (partial sell until investment amount now only Buy&Hold for this stock), PerkinElmer, Walmart, UniGlobal funds.

I have done some rebalancing in 2022 to have an overall even smoother ride through the shoals of the stock market. The focus, of course, is on the MSCI World and EM.

In order to achieve this, I have divested myself of a large number of stocks and thus extremely cleaned up my portfolio.

Through this adjustment, I was probably also spared an even deeper fall in performance.

I had stopped P2P and also removed a significant part. Basically, only the interest continues to run.

Crypto savings plans were stopped for known reasons, the invested capital is enough for me there as a risk.

CrowdInvestments are public but also a non-public project. However, I let the 4 projects expire this year or next year, or hope at the private status for a sale in May 2024 (if we can keep to the timetable then...).

🛒 New in the 2022 portfolio: NIBE Industriers, Coloplast, Greencoat UK

I have already said a few words and written posts about all three of them. In the meantime, all of them are projects of the heart for me, even if $UKW is of course clearly a speculative and not least a fun project. In the case of NIBE and Coloplast, however, I am focusing on a very long-term strategy and am therefore continuing to expand both titles. I will continue to publish statements or reports on all three titles in the future.

💸 Largest investment in 2022: Photovoltaic system for home, hybrid car OPEL Grandland 4x4

🤝 Best financial decision in 2022: Purchase of PV system, forward loan secured at 1.x% or 0.9x% still in January 2022.

🤦🏻‍♂️ Biggest Financial Mistake 2022: Letting a hotel booking lapse because I forgot I booked it. (-410€), gambled away 200€ in casino on cruise ship.

🤡 Funniest Financial Expense 2022: 1x Whopper eaten for the equivalent of about 9€ in Oslo 1:30am. To do this, I left the cruise ship in the middle of the night and stomped directly to the train station.

💌 Number of the year 2022: 7,17%
(of my annual net salary donated).

🤔 Financial plan for 2023:

Basically keep doing what I've been doing. Execute savings plans, grow existing individual assets in portfolio. Trying to reduce my costs for restaurant visits and eating out again.

The dividends this year will be far less than last year, this is due to the big sale from last year.

The now hopefully soon starting remuneration of my PV system I will reinvest in E.ON shares (for reasons)!

🔮 Conclusion 2022 and glass ball 2023:

The year 2022 was basically a very mixed year. While just at the beginning the fear and concern of a conflagration of war in Europe determined the situation, an almost normality developed during the summer, then in July there was an explosion of returns. By the end of the month, +7.7% book profit was on the clock. The worst month, however, was not long in coming and brought with September a minus of 6.3%. Unfortunately, war was a new reality, but the concern about a growing explosive inflation grew every month. It reached us faster and more sustainably than many thought - somehow strange in view of the emerging developments also in the previous year, i.e. 2021. In summary, 2022 was less devastating for the return of my portfolio than feared and has nevertheless been indicative of the general market situation. However, I am accustomed to worse or comparable (looking back to 2009 and 2018) and continued to stick to my investment plan.

In the outlook for 2023, I continue to see the war in Ukraine, the ongoing (albeit weakening) inflation and the uncertainty in the energy market as factors that are likely to put pressure on the markets. Industry in particular is struggling badly here. It will be a tremendous economic feat (for our country and the global community) and all trades to come away with less than a few bruises and scrapes. Dangers from further armed conflicts or environmental catastrophes cannot be ruled out and will probably also play a part in destabilizing the markets in 2023. It is to be hoped that mankind, and with it the economy, will regain its composure and, by the end of the second quarter at the latest, start to work together again, thus ensuring optimism. Whether this will be reflected in the share prices is something we can all hope for - but there is certainly no guarantee.

In my portfolio, there is no mention of rented property and owner-occupied houses, as I view these independently of the capital market.

Stay optimistic and happy! 🍀

#recap2022
#ausblick
#2023