+++ 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! 🍀