At the bottom of this page is a spreadsheet that contains all of the stocks I have. Since I have multiple accounts, I may also hold the same securities on multiple accounts at different purchase price. One of my accounts is in euros, in other is in forints and in third might have multiple currencies. So that’s why it’s important to have a central record of what you own. Rates are updated by Google Sheets except for Hungarian stock prices, they are not available. Sometimes I occasionally update it by hand.
However, it is important to note that my savings are not only on the stock market, but also in other forms. Specifically, what are these, I list it:
- Voluntary Pension Fund: here I try to make to use the maximum amout of tax reduction every year. This account is led by the Életút , in the portfolio D. So far, I do not complain about making good returns, but I think it’s better to manage your own portfolio.
- Private Pension Fund: I’m still a member of this small group of 68000 people, it’s possible that I will never see any money from it. Even if I will not, it grows above the inflation. Since the base rate is terribly low, the returns are good, there is no point to terminate it. Ultimately, it can act as a life insurance, because in the event of my death, my heir may ask for a full payment.
- Fundamenta: I suffer because I do not own a real estate (I have abvival feelings against real estate, and I do not like such constraints) and I cannot take advantage of this saving.
- I have a TBSZ account in the Hungarian State Treasury too. I do not like government bonds, even though I do buy the government bond directly. Rather, I prefer a well-diversified ETF. Pl iShares Emerging Markets Bond ETF . UPDATE 2018.06: Unfortunately, only the EUR hedged version of the EMB bond ETF can be held on an EU citizen’s account. EMB is no longer available.
- Startup Investments: My primary provider is SeedRS , through which I can start investing mainly in UK, but European and soon US startups. Contrary to many other crowdfunding platforms, there is a secondary market. In addition, capital can be withdrawn after selling your share on the secondary market, you do not have to wait for a particular startup to be bought or put on the stock market. The secondary market is not nearly comparable to liquidity in a stock market, but it is better than nothing.
- I put money into UK property through PropertyPartner. It is possible to exit using the secondary market or ownership can be maintained for 5 years and it is possible to exit after 5 years by selling the property. Meanwhile, you receive dividends in GBP, yielding 2-4-6%. Technically, PP creates company for every property, and that company buys the property and you can buy a share in the company. Company extracts are available on the portal, property sheets belonging to the property that can be inquired, and even the invested funds come with a regular statement containing the links for these documents. It is a very sophisticated system, all my appreciation for the creators. Since I think that the HUFGBP rate is now good (underestimated), in the future, I think it will be possible to realize a further return on the exchange rate. I am also testing two other property platforms, Brickowner, and Housers.