March 2015 performance update

March has come to an end and it is time to write another monthly performance report. Also in the first quarter of 2015 has ended and I plan to make a little status update post on my 2015 goals progress.

Passive Income

March was quite a productive month in sense of passive income as it was much higher than in February. This was mainly thanks to higher interest income from Bondora and Omaraha (3 more days than in February). Advertisement income was also a little bit better mostly thanks to the extra days. I was very happy to see that I reached 250€ mark. I expect a somewhat similar income in April as I have not increased my portfolio much lately (more about this in the next chapter).

When talking about the numbers then the passive income increased by +44.64€ to total of 258.95€. The P2P loan interest income was 179.62€ (+29.81€), advertisement income correspondingly 61.68€ (+8.59€), income from real estate lending sites 17.65€ (+6.24€). This makes my rolling average passive income rate to expenses 8.45% that is well on track with my 2015 year 15% goal.

passive2015-3

Investments

When talking about investments in March then as you see on the graph (cash percent increased) I did not make any significant investments. I only made 1 into EstateGuru and this investment is still in pending status.
There are two main reasons why I did not make any more investments. Firstly, I am ahead with my investment goal for this year and secondly, there are problems with Bondora. I am also considering to increase my stock/index fund allocation in my portfolio as P2P loans and estate (that is also in a form of a loan) is too high. However the stock prices currently quite high, so I am not rushing things.

porfiolioalloc-3

See more

Updated Financial Independence report and Savings Rate report

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