First of all, the growth trend has continued in the second quarter of 2019 for my portfolio. At the end of June 2019 my portfolio has reached an all-time high of 33,158.75 €. In comparison with the status at the end of the first quarter, this illustrates an increase of 14.2% (+ 4,119.21 €). Amongst others the remaining trade dispute between the USA and China has prevented a positive development of the emerging markets. Other market shares developed slight positive such as the MSCI Europe Small Cap or the S&P 500. Based on the set savings plans, in particular the MSCI World (+32%), STOXX Europe 600 (+33.7%) as well as the Vanguard All-World High Dividend (+18.7%) developed very positively in the 2nd quarter of 2019.
Three of my investments are still in the negative range, but that’s a sight I am already used to. I bought all of them on such a high level, that I have to wait a certain (long) time to get any net profits from these investments. However, at the end of the 2nd quarter in 2019, my performance was already positive with a performance of 1.23% before dividends. Including the diverse dividends, I reached a performance of +2.62%. This is in comparison with the 1st quarter a plus of 1.58% (before dividends) and 1.57% (after dividends).
Savings, purchases and sales (2nd quarter 2019)
My strategy of purchasing ETFs with saving plans changed in the 1st quarter of 2019. Therefore, in the 2nd quarter my saving plans followed the selected approach. This resulted in purchases of the ComStage MSCI World, the ComStage STOXX Europe 600 (on 5th day of each month) as well as the Vanguard FTSE All-World High Dividend Yield (on 20th day of each month). For the 2nd quarter of 2019, that includes the following acquisitions:
| April 19 May 19 June 19 | ComStage MSCI World TRN | 7.418 shares 7.391 shares 7,609 shares | per 53.92 € (incl 1.5 € fee) per 54,12 € (incl 1.5 € fee) per 52.57 € (incl 1.5 € fee) |
| April 19 May 19 June 19 | ComStage STOXX Europe 600 NR | 4.983 shares 5.003 shares 5,103 shares | per 80.28 € (incl 1.5 € fee) per 79.96 € (incl 1.5 € fee) per 78.39 € (incl 1.5 € fee) |
| April 19 May 19 June 19 | Vanguard FTSE All-World High Dividend Yield | 8.074 shares 8.244 shares 8.091 shares | per 49.54 € (incl 1.5 € fee) per 48.52 € (incl 1.5 € fee) per 49.44 € (incl 1.5 € fee) |
Besides my stocks and ETF portfolio, also my cash assets increased considerably. Based on a budget surplus in May and June, the reference account reached an all-time high of 15,614.77 €, a plus of 2,480.13 € (which includes some dividend and interest payments). Additionally, the cash balances on my second reference account, which is purposed for my personal investments, increased by 309 €, reflecting monthly payments of 103 € as retirement provision. Some activities will follow in the 3rd quarter of the year to lower the cash amount on both assets.
Dividend payments
Similar to the 1st quarter of 2019, only the quarterly payments of the Vanguard FTSE All-World High Dividend Yield have been transferred to my account. In total I got 45.75€ from the Vanguard ETF, which illustrates an increase of nearly 39% increase in comparison to the 2nd quarter of 2018. Summarising the dividend payments of both quarters of 2019 so far, I received in total 77.39 €, representing a monthly passive income of just 6.45 €. Taking into account the often yearly dividend payments of my ETFs, I should be optimistic for the remaining months of the year.
| Vanguard FTSE All-World High Dividend Yield | 45.75 € (+ 38.68%) 32.99 € in first quarter of 2018 | Total in 2019 77.39 € (6.45 €/month) |
Miscellaneous
Besides some dividend payments, I got interest payments from the „Zinssparen“ accounts. In total I got 65.05 € additional income. Both „Zinssparen“ accounts were not established to get further returns, but they represent a nest egg for rough times. With an increase of 14.2% I’m quite satisfied with the 2nd quarter of 2019. The dividend payments remained low, but this is a situation I can work on. I’m already working on the remaining monthly reports and the English report of the 3rd quarter 2019. So stay tuned for future developments.