My Entire Investment Portfolio (It's Not Just P2P Lending)

[@AngeloColomboFi]

What is your asset allocation? How much of your portfolio (in %) is invested in P2P? 🇪🇺Interactive Brokers (ETFs): angelo.fi/ibkr 🇪🇺Trade Republic (ETFs): angelo.fi/tra 📌Esketit (P2P): angelo.fi/esk 📌Income (P2P): angelo.fi/inc 📌Mintos (P2P): angelo.fi/min 🏠All P2P offers: angelo.fi/p2p 📈Where I track my ETFs: angelo.fi/getquin​​ 🇦🇹🇩🇪Germany & Austria only (ETFs): angelo.fi/atde

[@Fabryg]

Hi do you have a website? Thanks

[@AngeloColomboFi]

@@Fabryg I do! www.p2pinvesting.eu

[@opethrulez25]

thank you for being so open about your finance. very few are willing to share it which makes getting into investing harder.

[@AngeloColomboFi]

My pleasure! I also enjoy seeing actual numbers way more than just seeing percentages. Since the 2020 pandemic I've been holding back a bit more in sharing up-to-date numbers, as I know a lot of people are struggling financially and it didn't feel right.

[@poomjean3281]

Thank you for opening up and showing clear numbers and percentage. Now I have a clearer vision of how to manage my money. Thanks a lot!

[@AngeloColomboFi]

You're very welcome! :)

[@oscarspain]

Great video Angelo! Thank you for your transparency and honesty!

[@AngeloColomboFi]

Thank you Oscar!

[@richesseinfini7069]

Man i really like when you show the number ( transparancy) you doing well thank uou good job :)

[@AngeloColomboFi]

Thank you!

[@RichardWarnung]

Nettes Video. Sehr ehrlich. Gutes Englisch soweit ich das beurteilen kann (kann ich ein bisschen) :)

[@AngeloColomboFi]

Herzlichen Dank Richard!

[@davidposh_SLT]

Hi Angelo, just now getting ready to jump in ETFs, but market is all time high, do you think it's good time to start or better to wait?

[@LionWardz]

Would love to see how your investments have done since 1 year.

[@vanshluthra7298]

Hi Angelo, Have been following you for quite some time now, and have to say you're becoming an Investing guru for me. I was quite intrigued when I saw on your blog ' Financial Independence' and I would also like to maintain a similar metric. 2) Is there any way of calculating my approx. earnings in a month through he various platforms I've invested in? Thanks a ton Angelo.

[@AngeloColomboFi]

Hi Vansh, I just replied to your email, sorry about the delay :) I'm happy that you like my stuff, just please don't make me your guru as I don't deserve it :D Sure, it's quite easy using the interest rate to calculate. Lets say a platform pays 12% interest per year. When investing 1.000€, that should yield 120€/year or 10€/month. If interest is paid monthly and reinvested, then you should even be able to earn a bit more than that.

[@reginabautista1931]

Thank you for sharing your portfolio. I've noticed you haven't mentioned pension in your portfolio. Apologies if this has been answered before but is that something you are looking to add also some time in the future?

[@prototiseasia4326]

Angelo, do you invest in individual stocks?

[@AngeloColomboFi]

No, just ETFs for me!

[@kostaskostas5776]

Do u still hold your Bitcoin?

[@Acutabove101]

Great video. Enjoying your content from over the border!

[@charlieryan08]

Your numbers are looking great, Angelo. Subscribed and liked

[@AngeloColomboFi]

thank you Charlie!

[@fabioricci-effeerreworld]

why not the Vanguard high-dividend? please what do you think about All-World VS. All-Wolrld high dividend? thanks

[@AngeloColomboFi]

Because the total returns matter, not just the dividends. Just compare the two, over the longest time period possible (eg. via justetf.com). And then you'll see this: p2pinvesting.eu/wp-content/uploads/2021/01/all-world.png

[@fabioricci-effeerreworld]

@@AngeloColomboFi you are right Angelo!!!! Do you use the Dollar Cost Average??? Thanks.

[@AngeloColomboFi]

@@fabioricci-effeerreworld I simply invest once/month, so yeah :)

[@SeanOCallaghan0106]

How do taxes apply if u keep changing the country you're living in? It depends on your bank location?

[@MrFrankdemon]

Nice video, thanks for the lesson, keep up the good work!

[@Nikosthrilos]

-''Put a name on this video'' -''TRANSPARENCY'' Thanks a loooot,wish you all the best...a greek neighbor ;)

[@AngeloColomboFi]

Thank you Nikos, wishing you all the best as well! That reminds me, I think it‘s about time we plan our next trip to Greece. Really miss the atmosphere and the great food!

[@neilwadden1749]

A strange thing to say to another man but... I’m proud of you. Very good job at your age.

[@andghita]

Hi Angelo, what platform are you using for ETFs?

[@AngeloColomboFi]

Hi Andrei, I'm using Flatex at the moment, as it's easier for me right now tax-wise (Austria, we have a very complicated system). I'm considering switching to Degiro though, especially in case we move in the future: p2pinvesting.eu/degiro I will buy the Vanguard ETF on Degiro in an upcoming video about ETFs before the end of the year, if you want to see what that looks like.

[@21rufus21]

Seems like it was worth holding on to the bitcoin afterall :) Have you sold this year?

[@tr8group61]

hello.... sorry you have an Excel to manage all investments P2P.. thanks

[@InnocentORTH]

What do you think about individual stocks?

[@AngeloColomboFi]

check minute 02:15 in the video for why I don't invest in single stocks. It's extremely hard to outperform the market as a whole, so I see no reason for trying personally. A lot of much smarter people fail to do that on a regular basis, and I have no time to track every company/stock individually.

[@watchintros7785]

bro you are doing such a good job , i hope that you will stay like this and won t be fake like others on this platform , i really enjoy watching your videos keep !

[@AngeloColomboFi]

Thank you Ade, I will make sure I stay real (the good & the bad) with all of you!

[@joec5382]

KZbin just brought this video to me - 3 years in the past

[@projectveritasaustria3742]

Amazing video. Thanks for being so transparent. Best regards Martin

[@AngeloColomboFi]

thank you Martin!

[@lenifromthewhitecottage2963]

Thank you for sharing! Just uploaded my own Portfolio Overview! Love to see how other people allocate their money!

[@moscareto]

Thanks for sharing. Just a question: I saw that you were using PortfolofioPerformace for tracking your P2P investments. Do you use it also for cryptocurrency and ETFs? If so, would be nice another PortfolioPerformance video ;-)

[@AngeloColomboFi]

My pleasure, Angel! No, I haven’t tried it for ETFs or other investments yet, but I’m planning to. I think it was made to track equities & ETFs in particular, so it should be perfect for that.

[@socratesmoco1204]

What platform do you use for etfs? best regards

[@AngeloColomboFi]

Hi Socrates, I use Flatex in Austria, but for other countries I would use Degiro as it offers the lowest fees for buying ETFs in Europe: p2pinvesting.eu/degiro

[@louislorenz6598]

thanks for your video very educating, as a malaysian how can i invest in P2p platform that you mentioned? please advise. thanks

[@Matte_olo]

What app are you using to manage the performance of many Platforms?

[@AngeloColomboFi]

Hi Matteo, it’s called Portfolio Performance. My previous video was all about it: kzbin.info/www/bejne/qmGkYZx3ntZ8hrs

[@ruifernandes5239]

Hello, I'm from Portugal and I was looking to start investing just a little to start (100€), can you give me some recomendations ? Is it better to start with dividends ETFs or P2P ? What is the best option for me ? Brokers for me are the same for you, Europe :D

[@MisterAadj]

thanks for the great vid again

[@AngeloColomboFi]

My pleasure, glad you liked it!

[@humam8528]

Thank u for ur transparency. How u can invest in vanguard ftse with no fees and without broker app ??

[@AngeloColomboFi]

My pleasure! You still need a free account with a broker. For buying ETFs, Degiro is the cheapest in Europe: p2pinvesting.eu/degiro

[@adrianwolf90]

I wish you could make a follow up video to this. Amazing content. Subscribed to your channel!

[@AngeloColomboFi]

thank you Adrian for the valuable feedback! Will do, probably in a few weeks!

[@alarud]

Dear Angelo, thanks a lot for sharing! Very useful information for a beginner as myself :) Would love to know about your low living expenses lifestyle! Cheers from Prague, Czech Republic! :)

[@AngeloColomboFi]

You're very welcome Valentina! Thanks for the feedback, I will write the idea down for future videos. That reminds me, we need to visit Prague again soon, such a nice city :)

[@cns6814]

Could you make a video about how you track your investments?

[@AngeloColomboFi]

Hi Cansu, I already did: kzbin.info/www/bejne/qmGkYZx3ntZ8hrs

[@freedmind2239]

can u explain please what u meant if u hold up that crypto for one year u don't have to pay tax on it ?

[@AngeloColomboFi]

that depends on the tax laws of the country you're in. In some countries, where it is classified similarly as gold, you don't pay taxes on profits if the 'holding period' is over 1 year.

[@zampieriabramo]

Hi Angelo, thanks for the video and transparency. One question: I always thought that with a small capital, or to begin with, it would be more correct to invest in shares that do not give dividends but rather in shares that use all the gain to increase their value and only once in possession of a large capital think about dividends. Is this concept correct in your opinion? Can it also be applied to ETFs which in reality should "limit" themselves to copying the performance of the reference index? Thank you!

[@AngeloColomboFi]

Hi Abramo, Sure, in many countries it can be more tax-efficient to buy an ETF that automatically reinvests dividends, so that you pay no taxes on them right away. In practice however, I do feel that it can be very motivating to receive some dividends. With the Vanguard FTSE All-World ETF for example, I’m expecting long-term returns of around 7%-8%/year. Around 2,5% of those returns are paid in dividends every year currently and taxed right away. For me it’s worth it, as it motivates me to see that quarterly cash flow grow year after year, no matter what is going on in the market. I’m assuming many others, especially new investors, will feel the same.

[@yermoso]

What do you think about Robocash?

[@AngeloColomboFi]

To me, Robocash doesn’t offer anything special over other platforms, which is why I haven’t added them.

[@ww7237]

Great video angelo

[@AngeloColomboFi]

Thanks a lot Wybren! :)

[@hersnab]

Thank you

[@JonatanCastro-secondary]

Hey! Would love to know how do you invest in Vanguard funds on Europe. Thanks a lot!

[@AngeloColomboFi]

Hi Jonathan, I just buy the Vanguard FTSE All-World ETF (ISIN: IE00B3RBWM25) via a stock broker.

[@ShadSGamer]

Well I'm 60% crypto, 30% P2P, 10% cash. I know it's extremely risky but I'm 23 and can take this kind of risk, I also have a pretty good risk tolerance.

[@AngeloColomboFi]

Thank you for sharing! Yeah, that's definitely a very high crypto allocation, but who know's, maybe you (or better: both of us) get lucky :)

[@kingPrimoz]

Where do you buy FTSE All-World UCITS ETF? Is it same like in P2P where you just send money from your bank account?

[@AngeloColomboFi]

Yes, you typically wire the money to a broker via your bank account. I’m using an Austrian broker called Flatex right now, but if we move somewhere else I would probably try Degiro, as they seem to have the lowest fees. You can find the ISIN and Justetf-Link of the ETF in the description, in case that helps!

[@0xJuda]

Thansk for the video and for your transparency. Hope you did not sell the crypto cause market now is booming :D

[@AngeloColomboFi]

My pleasure, Ondrej! I didn't, I even talked about it in my more recent videos :) I did sell my initial investment however when my crypto portfolio reached 70k.

[@donnorman6526]

Why changing etf msci world with emerging with lower fees to all world? I made this decision based on the fees and since I don't pay fees when I buy due 212 trading I can only see a better benefit. Btw you use distributing etf which will always tax dividends, it's better to have an accumulating one some europeans countries like mine doesn't tax on time and reinvest them automatically . (Maybe you use this money for daily basis in this case sorry I didn't know :) )

[@donnorman6526]

What do you think abou Peerberry and estate guru? They seem the safest ones. I'm really new to p2p thanks for your channel btw. Have you lost some money in p2p?

[@vanessawilliams3886]

What a great channel,

[@boomme3598]

Thanks Man. Great video. Looking forward to the ETF video, going for the 3/4 ETFs strategy now we have free brokers/transactions.

[@AngeloColomboFi]

My pleasure! Out of curiosity - What ETFs are you buying and which broker are you using?

[@boomme3598]

@@AngeloColomboFi hey Angelo,. I've just opened with Trade Republic and will do their Free "Sparplan". (Germany based here).The ETFs are abit limited as I want ETFs that payout the dividend but because of US withholding tax I want ones with US exposure to be synthetic. Anyhow, until I can get it right I'm looking at what's on trade Republic msci quality dividend world/Europe and msci world/emerging markets and possible gold producers. Id like a bond etf but nothing I like on trade Republic yet. Also I'm considering gratisbroker.de is another. All the best man.

[@AngeloColomboFi]

@@boomme3598 thanks for sharing all the details, I appreciate it! Sounds good! Sadly, I'm unable to test out Trade Republic in my country. I'm assuming German brokers are just easier for you, as they take care of the correct taxation right away as well. Otherwise, maybe Degiro might have a larger selection of (free or inexpensive) ETFs.

[@boomme3598]

@@AngeloColomboFi where do you store your crypto? It's paying at least 8% or do you use it in crypto P2P ala Coinloan ?

[@AngeloColomboFi]

No, it‘s all offline - I don‘t do any lending with that

[@mukhanum]

Hey...I know you from the ketogenic diet channel.

[@AngeloColomboFi]

Awesome, welcome! I was wondering when the first one from my mostly US-based Keto community would find this channel :)

[@schpunsfil]

In which country/city they ask for a such high deposit to rent an appartement?! I'm shocked!!

[@AngeloColomboFi]

It's called 'Genossenschaftsanteil' in Austria. It's not quite the same as a deposit, but let me try to explain how it works. The renter (me) participated in the building costs by paying that amount when I moved in. That depreciates by only 1% per year and I get the rest back when I move out. In return, my rent is very low, compared to other apartments in my city. For us, it was 100% worth it.

[@bigcashonline1943]

Ciao Angelo perché non apri un canale in italiano?

[@AngeloColomboFi]

Ciao! Perché non vivo in Italia e parlo più spesso in inglese, anche con mia moglie.

[@hsoehne07]

Nice video, Angelo ;-)

[@AngeloColomboFi]

Thank you! :)

[@SpaniaC88]

Great video Angelo! Thanks for your transparency and honesty about your asset allocation! 👍🏻 Interested in what you do for a living as self-employed man and also how come you have such a high deposit on your apartment 🙈 😉

[@AngeloColomboFi]

Thanks a lot! IT-Work, Affiliate & Online Marketing for several projects, selling Merch on Amazon... really depends on the season where I spend most of my time. The high deposit is basically covering part of the money that was used to build the house. After being on the waiting list for 3+ years, our very low rent was definitely worth the high deposit we had to pay (and which we get back if we move out, -1%/year). That alone saves us several thousand Euros/year, so I can’t complain :)

[@Oneofakind123]

Is this a 15000€ deposit on a one room appartement? That's not possible, I must missunderstand something.

[@AngeloColomboFi]

yup. It's not quite the same as a deposit, but let me try to explain how it works. The renter (me) participated in the building costs by paying that amount when I moved in. That depreciates by only 1% per year and I get the rest back when I move out. In return, my rent is very low, compared to other apartments in my city. For us, it was 100% worth it.

[@theartofmoneysaving5919]

I absolutely agree. It's great to see videos that include real numbers. I was terrified about posting a video about that, but thought why not 😝😂

[@AngeloColomboFi]

I know the feeling, kudos for sharing it yourself! 100k GBP at 27 is really impressive! Btw, I noticed you entered the time-codes incorrectly in your description, if you want them to be clickable. You need to use 1:54 instead of 1.54 for example ;)

[@theartofmoneysaving5919]

@@AngeloColomboFi Oh wow. I didn't realise this feature. Thank you for the tip. I've just subscribed and really enjoyed the video. Keep up the good work 👍

[@AngeloColomboFi]

Sure, happy to help! You too!

[@MirazTek]

Super cool video I was just reaching out to other youtubers to help out i have created a reddit forum called "stock trading videos" you can post your videos on there for more exposure. Hope it helps your doing great keep it up.

[@adamsykes5755]

Good shit

[@AngeloColomboFi]

Thanks Adam ;)

[@phoenixwiseman4018]

I’ve seen this video so many times😂😂💎💎💎💎it’s gold

[@veriappelsiini]

If you study bitcoin Fundamentals, you will quickly see that its true value is somewhere between 100 000-500 000 dollars/bitcoin. Ethereum will have also a major update, the transition to proof of staking which will probably suck all the ethereums from the markets, or at least a lot of it. That will create severe shortages of ethereums, and the price will go to the bubble. I am expecting even bigger bubble, than in 2017. After all, bitcoin and ethereum are Still very tiny in terms of marketcap. Imagine if just 1 % of world's capital will flood into them? A billionaire Tim Draper expects it hitting 250 000 by 2023. Your 20 k in crypto will be worth probably 1 million dollars in a few years, it should be your pride, not your shame.

[@AngeloColomboFi]

I appreciate the positive outlook on crypto - of course I wouldn’t be unhappy if we get anywhere close to that. I still believe it’s a very speculative investment right now (we don’t know who the crypto winners will be in 10-20 years), but I’m planning to maintain a small allocation long-term.

[@veriappelsiini]

@@AngeloColomboFi Personally I have embraced these current low prices as gift from higher powers. People buying crypto now are buying literally value for cents per dollar. If you can handle the portfolio with high crypto values (the majority will get temptation to sell when they see their cryptos worth 1-2 millions of dollars), you will become rich. There are 2 options to react to the current cheap prices: 1) The herd mentality (depression, apathy, loss of faith etc) 2) Accumulating more in order to have even more crypto when it is expensive, of you bought higher, then lowering the average purchase price by buying more little by little. Everybody can chose their approach to the current market situation. In fact, bitcoin has ended year only 2-3 times with red yearly candle, the most previous one was in 2018, and then before that 2014. Last year, 2019 ended 100 % profit which outperforms majority of asset classes. This year it probably ends with 200 % higher than 2019 ended and 2021 will be another 2017 type of mania. Mark my words.

[@AngeloColomboFi]

Sure, you’re free to allocate your money however you see fit! And who knows, you might be right. For me, my current crypto exposure is already a bit high for my own risk tolerance. I’ll check back in regarding your comment at the end of this year ;)

[@veriappelsiini]

@@AngeloColomboFi Unlike in p2p where you seem to have a lot of money, the risk in crypto is that the holders of last resort will end up becoming filthy rich. The weak hands will be shaken out from the market before though because they are liability (they prevent it rising up by selling their cryptos in early bull market). Bitcoin do not need to be the biggest crypto in order to give outstanding ROI that beats p2p and stock markets. P2p if a platform (I see you investing in Envestio - I wonder if you know what happened to Kuetzal, which was similar platform to Envestio - I would not be surprised even if their owners are the same) goes belly up, you pretty much lose your investment. If bitcoin on the other hand, drops in price, all you need to do is to buy more and waite patiently a few more years and you will be richer than you can even imagine now.

[@seanmumford2358]

Are you kidding me? btc is high asf right now!

[@AngeloColomboFi]

Yup, not complaining about it any more now :) goes to show you how things can change.

[@seanmumford2358]

@@AngeloColomboFi and I used to be a nay sayer when it comes to crypto currency, now look at me. Haha, times change, richtig.

[@RodrigoGraca31]

Hahaha Im also on the p2p investment fellows group :D

[@AngeloColomboFi]

Seems to be where all the cool kids hang out nowadays ;)

[@F12_01]

hope you have still bitcoin :) you can make some moooneeeyyy :)

[@javiervazquez9591]

no offense, and maybe my comment is a bit stupid but i honestly thought you was gay. great content by the way..

[@AngeloColomboFi]

Well that’s a first :D No worries, thanks for the honesty! And thank you for the last part ;)

[@BrokerTester]

Take care that your Crypto disaster doesn't return again as p2p disaster 😬🙏

[@richardshin159]

Your investment on ETFs simply means you know NOTHING about investing.

[@AngeloColomboFi]

How come? I’m happy to learn something new, so please share why you think that.

[@khan200us]

That is a very irresponsible and outrageous comment. Shed some light on your investing expertise Mr. Investment King!

[@ramnagoda6256]

surprise that you have wife...I thought you are "Gay"

[@simonhansen6618]

What a great video! Thank you

[@AngeloColomboFi]

Thank you Simon!