Dec'20 FIRE investment and Portfolio updates. Good start!

A rollercoaster of a year finally comes to an end. And with it, I have achieved 1 whole year on my FIRE Journey. Read some of my learnings from 1 year on FIRE.

BTW, incase you have any Gold Amex Cards, they are running an awesome offer where they give you a cashback of Rs.500 for making a purchase of Rs.1000. You can get this for up to 3 times. I made a cool Rs.1500 in December just for buying groceries and supplies 🙂

My FIRE Progress

December'20 update of Abhi's FIRE Journey

I have reached 4.57% of my goals. Still 95.4% left 🙂
No major spends this month! Whew! I was able to add a bit to overall savings.
I have a total of Rs.22.83 lakhs as savings. My target for this month was Rs.16.38 lakhs

My Overall Investments Progress

Final Goal	Rs.5 Crores
Total Invested	Rs. 17,47,048
Current Value	Rs. 22,82,741
Goal Achieved	4.57%
Passive Income in Nov’20	Rs.28,672
ROI%	31%
Time left	130 of 144

New stuff that came up in Dec’20

Here is a summarized list of posts and podcasts that came out last month. Check them out

Articles on FIRE and Personal Finance

Nothing much in Dec’20 actually. There was some travel and a lot of resting, lazing around and very little work 🙁

Value of Portfolio

Category	RoI%	Total Invested	Dec’20
Stock Investments	28%	7,68,155	9,83,799
Mutual Funds	–	0	0
Alternate Investments	25%	8,49,388	10,58,626
P2P Lending	13%	98,431	1,11,504
Crypto Currencies	167%	31,074	82,948
Cashbacks& Rewards	–	0	47,034
Total	31%	17,47,048	22,83,911
Passive Income	–	0	24,146

Extra Income earned

Passive Income Earned	2020 – Total	Dec’20
Alternate Investments	30,650	2,500
P2P Investments	14,974	1,872
Cashbacks Redeemed	86,302	17,265
Crypto	4,138	462
Side Hustles	9,696	0
Dividends & Interests	40,711	2,047
Total	1,86,471	24,146

Income and Expenses

This month was peaceful with very little unforeseen expenses. We did do a little bit of travelling and visiting relatives and my parents. But no deal breakers.

I wish this remains like this for some time!

The income stated is from my full time job and my wife’s part time freelancer job. Her income varies month on month, hence the fluctuations.

I consider the money I pay towards my car loan as an investment, because I get it back with a decent return. Read the article in link to understand.

My focus is currently on increasing the % of Passive Income to overall Income. Plus reaching a savings rate of 80% gradually.

Stock Market Investments

I have not made any change to my stock portfolio in December.

My portfolio as of now is as below:

Symbol	QTY	Buy at	Buy Price	Current Price	Current Value
AshokLey	2,000	70	1,40,380	95	1,90,600
BANKBARODA	1,150	42	47,932	62	71,760
BEL	200	79	15,750	115	22,920
COALINDIA	200	134	26,780	138	27,530
IOC	300	83	24,921	92	27,510
ITC	406	191	77,416	210	85,057
LICHSGIN	50	259	12,950	367	18,350
MAGMA	1,304	20	25,480	43	55,550
Mothersumi	500	78	38,850	161	80,325
NATIONALUM	1,000	37	37,100	43	42,550
NTPC	270	89	23,895	100	27,122
OLECTRA	300	68	20,265	116	34,905
ONGC	500	77	38,335	94	46,900
RVNL	1,158	21	24,434	23	26,866
SGBMAY28-GB	22	4,540	99,880	4,871	1,07,162
TRIDENT	2,000	8	15,160	10	19,280
UJJIVANSFB	250	28	7,000	40	9,963
WELENT	300	49	14,835	89	26,580
YESBANK	3,536	15	52,015	18	62,870

Crypto Holdings

For 2020, I realized the greatest return on my investment in Cryptocurrency investments. My small investment in Bitcoin grew by 167%!!! Damn, hope the trend continues for 2021 too!

Keep in mind that I only invest a small amount of money in crypto currencies. Apart from putting money in, I also have several sources of Passive Income streams that pay in bitcoins or other crypto-currencies such as TheSunExchange.

Crypto Total Invested	Total Invested
Overall	31,034

Crypto Holdings (in INR)	Holding	Dec’20
Bitcoins	0.0	78,294
STX	100	2,822
USDC	6	443
PHT	22,200	265
Pi Coins	22,200	TBD
Total		81,824

Alternate Investments

Total	Total Invested	Dec’20
Loan to Family Friend @ 15% pa	2,00,000	2,00,000
Sun Exchange	31,400	32,750
Loan to Friend	1,00,000	1,00,000
PF	1,10,870	3,17,650
NPS	50,000	65,007
New Property Fund	0	0
Investment/Insurance Funds	4,04,800	4,04,800
Loan Taken @ 7% pa	-1,00,000	-1,00,000
Liquid Fund (for Emergency) @7% pa	0	0
Cash (for Emergency) @4% pa	27,318	13,419
Fixed Deposit @5.5%	25,000	25,000
Total	8,49,388	10,58,626

P2P Lending Updates

P2P investments have stabilized a bit mostly due to the positive movement of EUR and KZT, two primary currencies I have my investments in. Steady returns around 12 to 15%. Some loans have not paid back, causing a bit of a concern. Too early to write them off.

P2P lending	Total Invested	Nov’20
Overall	98,431	1,11,504

Rewards and Cashbacks

Cashbacks, Rewards and Points – Redeemed

Our expenses have been low due to the lockdown. Hence in the realm of cashbacks and rewards too is seeing little action

Cashbacks & Points Redeemed	Total Invested	Dec’20
American Express Points	0	0
Cashkaro	0	4,210
CRED	0	8,466
All other Credit Cards	0	800
Flipkart Supercoins & Vouchers	0	2,724
Other points programs	0	0
Quickride	0	0
Paytm Cashbacks	0	10
Amazon Pay Card+Cashbacks	0	1,055
Play Rewards	0	0
Total	0	17,265

Cashbacks, Loyalty Points and rewards – Balance

Cashbacks & Points Balance	Total Invested	Dec’20
American Express Points	0	5,935
Cashkaro	0	95
CRED	0	13,887
Airmiles	0	20,102
Flipkart Supercoins & Vouchers	0	1,207
Hotels & Stay points	0	2,593
Other points programs	0	2,200
Quickride	0	0
IOC Rewards	0	16
Play Rewards	0	1,000
Total	0	47,034