My Investment Updates for December'19 - Year of Passive Income

Happy New Year 2020! I wish you and your family a very happy and prosperous New Year. May the year bring peace, lots of money (you better save some of it and make it earn you passive income) and happiness. Personally, 2019 has been an eye opener and bought a lot of joy for me. My daughter was born ? ? , I started saving more. I set up a 5-to-5-in-12 challenge (5 lakhs to 5 crores in 12 years) for myself. And, most importantly, I started connecting with like minded Indians wishing to earn passive income, like you, here on Littlesaves.com.

My portfolio for 2019

December did not go well. Stocks were down, mutual funds were slightly higher. I have got my steady profits from my Alternate investments and loans. Here is my overall investment report card for 2019

Loan given to friend to help during medical urgency

This month, I have given loan of 1 lakh to a close friend in need. I took out Rs.1,00,000 from my Mutual Funds (debt fund I held with Franklin Templeton) to afford this. As this was for a personal reason and he is not in a position to pay interest, I will be foregoing any interest on this. He offered to pay an interest, but I declined straight away.

What is the point of saving up a tonne of money if you are of no help to those around you. That is my key takeaway for the year 2019.

No Snore December

I am a terrible snorer, to the point my wife used to call me Snorlax (lol, both of us loved Pokemon!). Anyhow, to beat this in December I picked up this small clip for Rs.250! The best purchase I made for the month of December’19 (and 2019 for my wife). Just clip this onto your nose before you go to bed and you absolutely don’t snore!
Tried, tested and my wife is happy and chirpier these days ?

Check it out!

Bloodbath on Dalal Street

As you can see, my stocks took a beating. This does not scare me one bit! I am serious. The companies I have invested in are gems (except Suzlon, that bitch!). I was quite happy to pick up ONGC, WELENT and IOC at premium prices, well below their Book Value.

Major blow for Stocks in December’19 was from Yes bank. There still is an amount of uncertainty on if they get funding and from whom. But I am certain they will pull through. So it is only a question of weathering the storm on this one. Read more on my Stock market investments for December here.

My Passive Income Statement for 2019

In 2019, I have made a total of Rs. 1,66,984 as passive income. That is almost 2 months salary. The more I have started writing on Little Saves and talking with you, the more I realize the importance of Passive Income. Think about it, while a normal person works for 12 months and is getting paid for 12 months, I work for 12 months and get paid for 14 months. That is how important Passive Income is to a middle-class aadmi like you and I.

Total	Total Invested	October’19	November’19	December’19	Passive Income in 2019
Stock Market Investments	150000	0	6694	-11329	-4635
Mutual Funds Investments	169500	0	3142	-844	2298
Alternate Investments	200000	25000	2500	2500	30000
P2P Lending Investments	2777	0	0	47	47
Cashbacks, Rewards and Points	0	Not tracked	Not tracked	139290	1392890
Total	522231	25000	12336	129648	166984

Change in reporting

This is my second month of reporting out my income and passive incomes. While stocks, mutual funds are easy to track, it is a pain to track rewards, cashbacks and points. I have over 20 different accounts and programmes to track these under. For this year, instead of giving a monthly report, I have summarized them all under December’19 as I cannot possibly backtrack how much I made each month in the past.

From Jan’20 on, I will be able to show you a month increase decrease properly.