Net Worth Update – Q4 2018

At the end of each quarter I will publish a Net worth update. This helps me track my own progress and keeps me motivated on my investing journey. I have been tracking my Net Worth since 2013, but this is the first time I am writing a post about it.

Net Worth


Stocks and cooperatives 53 719 € (-4 984 €): Market has been really volatile for a while now. I don’t mind seeing stock market drops once in a while, because a little panic usually brings good buying opportunities. During the fourth quarter I purchased stocks with 3 403 € and my portfolio still dropped about 8 %.

P2P loans 3 906 € (+155 €): No big changes here. I purchased some P2P loans in July and have reinvested the loan payments after that. 

Cash 7 771 € (+3 124 €): We moved to a new apartment last year and renovated our kitchen and sauna as they were original from the 1980’s. These renovations were tax deductible and I received a 2 900 € tax refund in December. This was the largest tax refund I have ever received and it was a nice boost to my cash savings.

Apartment 129 000€ (+0 €): My share of our apartment. I don’t change this estimate every quarter, because it is hard to evaluate the exact price.


Mortgage 78 093 € (-1 712 €): Fixed monthly payments. I did not make prepayments during the quarter, but fortunately the interest rate has been below 1 % for years now.

Housing company debt 1 710 € (-90 €): The new apartment had about 3 000 € of housing company debt when we moved in. We wanted to pay off this debt immediately, but that would have cost an extra 200 € in handling fees, which was almost 10 % of the total amount. The interest ratio is only 1 % at the moment, so we decided to pay it off in monthly payments.

Net Worth 114 593 € (+70 €)

Net Worth chart

Well, as you can see the Net Worth did not really change during the fourth quarter. I am actually a bit of surprised that it did not decrease, because the stocks have been dropping for a while now.

In future, you can access my older reports on Net Worth-page. Since this is my first update, there are no other reports at the moment.

Merry Christmas and thanks for reading!

How was your Q4? Please share your thoughts in the comment section below!

10 thoughts on “Net Worth Update – Q4 2018

  1. Gary @ Fully Franked Finance Reply

    Hey DD, very nice looking net worth chart – climbing steadily in the right direction! Looks like you have a pretty solid collection of stocks in your portfolio too – I might have a closer look at some of these for new investment ideas!

    Cheers, Gary

    • Dividend Deluge Post authorReply

      Hey Gary and thank you for your kind words. My portfolio still needs a bit of adjusting, because I am missing stocks from couple sectors, but I promise to do my best to fix that in the future!

  2. Passivecanadianincome Reply

    nice dd

    seems like a tonne of great progress.. Breaking even at times like this is very good. Im sure when i do our networth this week ill be down… Im a glass is half full kinda guy though. That just means down the road somewhere our networth will shoot up when prices go back up again.

    keep it up, doing great

    • Dividend Deluge Post authorReply

      Hey PCI!

      I agree with you, breaking even during the last quarter was a decent achievement, because the stock market has been on a roller coaster ride for a while now. I look forward to reading your net worth update later this week!

    • Dividend Deluge Post authorReply

      Thanks DG! It’s actually pretty motivating to update my net worth once in a while, because it usually increases even when the stocks are not doing that well.

  3. Druss Reply

    Hello DD. A solid portfolio and you have enough of gunpowder in cash to use the drop in the stock market for your good. Do you think this trend will continue in 2019?

    • Dividend Deluge Post authorReply

      Hi Druss!

      I think the market will be volatile in the coming months too. It’s really hard to say which way it’s going to move, since it has been more about mass panic than economy.

      Thanks for stopping by.

  4. DivvyDad Reply

    I agree with you about welcoming some price drops as it provides nice opportunities to accumulate more shares at reduced prices. However, it can be a little disappointing to see the big drops in total portfolio value—just need to stay true to the strategy.

    Nice work overall though, and I look forward to future updates!

    • Dividend Deluge Post authorReply

      It sure can be disappointing to lose a few percents of portfolio value in a day, but that’s how the market works. You are right about sticking with the strategy, because these drops are just little speed bumps on a long investing journey!

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