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Welcome at the One Million Journey net worth page. My main lifetime financial goal is to reach a one million Euros investment portfolio. The net worth includes cash that I have available to keep as an emergency fund or to invest in my portfolio, plus inherited real estate properties.

As you probably now, net worth is calculated as Assets minus Liabilities. In my case I have no liabilities, so it turns easier for me: Assets = Net Worth

  • Last Update: 21/07/2019 (updated semianualy)
  • Value: 410,460 (400,175 € previous update) +2.5% Increase
  • Investment portfolio / Goal ProgressHERE

Net Worth Balance Sheet

Net Worth 2019 Half term one million journey
Click on image to expand

* Self-assessed, compared with similar sized properties in the area

Net Worth Distribution

Real Estate makes up 71% of my total assets. I have no plans to own more. The industrial warehouse is rented by a printing house company an adds a little over 1000€/month of gross passive income. My mum enjoys most of it, so I don’t count it as a passive income but as an occasional income.

My investment portfolio makes up 21% (18% before) of my total assets. The 10% is invested in alternative investments like P2P/B lending and Real Estate Crowdfunding. Considering the risks, this is the limit I am happy to invest via crowdfunding platforms for now. However, I will keep diversifying among platforms and even include new ones. My investment portfolio provides me with an average of 400 EUR/month of passive income.

Stocks make up 5.4% (4% before) of my total assets. I added a new ETF to the roaster, the FTSE 100 UCITS ETF (VUKE), which represents the UK market’s most highly capitalised blue-chip companies. Some may think that it isn’t a good time to invest in British companies. I explained briefly why I purchased it in my March Update (Vanguard section). The semi-conductir industry has outperformed the market over the last months, so my AMAT and FSLR shares did well. I will probably sell AMAT soon and purchase LAM (Lam Research) or Micron (MU) instead, or both!

Corporate bonds make up 4% (3%) of my total assets. I am increasing my stake on short-term corporate bonds as I don’t feel comfortable with the current market valuations, the late-stage on the bull market (over 10 years), the current political issues and especially interest rates under these stated conditions.

Treasury Bills, my safest investment, makes up 2% (1%) of my total assets. Same as in Corporate Bonds, I have been increasing my stake in Bills for the same reasons.

Cash makes up 6.7% (9.4% before) of my total assets. I have reduced my cash percentage. Our residence uncertainty still remains unclear, so I still prefer to have a good cushion as an emergency fund to cover unexpected expenses or even to help paying the down payment of a house, in case we would move to Spain. However, I think that with some homework I can put to work some of this cash in a short term investment.

Others (car) make 1.6% (6K €)

Net Worth Distribution Mid Year 2019 one million journey
Net Worth Distribution Chart (Mid year 2019)

Liquid / Illiquid Assets Chart

  • Liquid: 74,934 €
  • Illiquid: 335,526 €
Net Worth Distribution Chart One million journey
Liquidity Chart
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