Nickolas G. Muscat

Written By Nickolas G. Muscat

On: August 28, 2019


My Portfolio Breakdown 2018


There have been quite a few requests and mentions for me to share my portfolio so that is exactly what this post will be about. I started investing about 12 months ago now and will set out the percentages of where my money is and a bit about the reasoning behind each decision. I will not be sharing the amounts at this point, however, as I do not fully understand potential negative effects that could be had in response to doing so.
It is important to note as always, while all the information is provided in faith that it is accurate and reliable. It is to be noted I am NOT a financial adviser and information given is purely my opinion on discussed matters. It is always recommended you speak to a financial adviser before making any financial decisions you may not be sure of.
As of the 13/12/18, my portfolio is broken down as follows:

Stocks: 51.3%

My stock portfolio is made up of 8 stocks 1 of which is an Exchange Traded Fund (ETF). The choice of owning 8 stocks was made using data from 'How to be a stock market genius' by Joel Greenblatt where Joel discusses how after owning 8 stocks in your portfolio the rate of risk reduction change dramatically decreases. Further, I have had difficulties finding good, cheap, undervalued companies in the current market. Of my 8 stocks, 4 are US stocks and the remaining 4 Australian. The Australian stocks were chosen due to franking and the US because even without the franking they still performed equal to or better than the Australian stocks as far as I could tell.

P2P: 13.8%

About 15% is invested in P2P Lending platforms. If you follow this blog, you would know I am a fan of P2P and have made quite a bit of content on the topic. I think when done correctly P2P Lending can be a very profitable and relatively safe investment. I am invested across multiple P2P platforms and even more so across borrowers. The main two platforms I invest in are Ratesetter and Trupillars. You can read more about each here.

Super: 25.7% (Note this only includes funds I have sacrificed into my super voluntarily and does not include employer contributions)

For tax purposes over a quarter of my wealth has been invested into my super and hence my retirement. This does not include employer contributions.

Cash: 9.1%

About 10% of my wealth is held in cash as a safety net.
If there is anything more, I could add please comment below and share your thoughts.

Note:

Obviously I have not included my liabilities as they are not a part of my investment portfolio, however, if included would account for roughly 14% of my net worth.

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