€455,465 Net Worth: My Portfolio Update for August 2026

Another month is over – and we've arrived in August 2026. Time for my monthly net worth update: as every month, I'll show you fully transparently how my portfolio is composed, what has changed and why. The cut-off date is 31 July 2026.

First, the most important note up front: this is not investment advice and not a buy recommendation. I only ever share my personal opinion and my personal investments. I'm responsible for my money, you're responsible for yours – inform yourself about the risks of the respective asset classes and make your own decision.

Overview: My wealth in July 2026

As of 31 July 2026, there is €455,465 in the portfolio.

Here's how my wealth has developed in comparison:

Growth since	Value in €	Growth in €	Growth in %
31 Dec 2025	€308,259	+€147,206	+47.75%
30 Jun 2026	€432,052	+€23,413	+3.41%

This time too, it's not pure return: the bulk of the increase comes from my income as a self-employed person, which I continuously invest.

Here's how my wealth is currently split across the individual building blocks (from large to small):

1. Stocks – €254,870
2. P2P loans – €95,514
3. Real estate (my equity share) – €63,137
4. Crypto – €20,311
5. Occupational pension (bAV) – €10,000
6. Cash – €5,740
7. Real assets – €4,224
8. Private Markets – €1,669

Let's go through the individual positions one by one.

No. 8: Private Markets via the NAO app

In last place are my private-markets investments at €1,669 (previous month: €1,695, so −€26). The ranking stays unchanged at No. 8.

There was no new purchase here in July; the slight decline comes purely from the valuation. I'm still invested via the NAO app*, where you can get into private-markets positions from as little as €1.

No. 7: Real assets via Timeless

Real assets stand unchanged at €4,224 – the value itself didn't move in July. Due to the jump in cash, the block nonetheless slipped back from No. 6 to No. 7.

I invest here entirely via Timeless*, among other things in sneakers and trading cards. I don't keep any of it at home myself; I hold fractions via the app.

No. 6: Cash – the buffer fills up again

My cash recovered clearly this month: from €2,204 to €5,740, a gain of €3,536. As a result, the block climbs from No. 7 to No. 6.

Otherwise nothing exciting here – this is simply money in current and instant-access savings accounts.

No. 5: Occupational pension for the self-employed

For me as a self-employed person, who is neither in the statutory health nor pension scheme, the occupational pension (bAV) is an important diversification block – even if it's the least spectacular in the whole list.

The value is now €10,000 (previous month: €9,500, so +€500). My company pays in around €650 a month for me, but I calculate conservatively with just €500 per month. The interesting thing about it: during the saving phase, i.e. until I retire later, the whole thing is free of social security contributions and taxes up to that amount – for me simply an additional building block alongside stocks and real estate for retirement provision.

No. 4: Cryptocurrencies – Bitcoin recovery

With cryptocurrencies the rank stays unchanged (4), but the value rose noticeably: from €17,889 to €20,311, a gain of €2,422. The market recovered somewhat in July, and I also bought more.

Of that, around €20,215 is currently in Bitcoin and €96 in a leftover Solana position, which I'll dissolve at some point once I'm back in the green there. I actually buy Bitcoin monthly with around €1,000 – if the market crashes hard again, it'll be more. My stated goal remains to own a whole Bitcoin long-term.

No. 3: Real estate as an investment

With real estate, nothing changed in the ranking (No. 3), but the value did: it rose from €62,773 to €63,137, a gain of €364 through scheduled repayment.

In total I still hold three properties. Here too: I don't enter the full market value of the properties into the portfolio, but the estimated value minus the remaining debt from the financing – multiplied by my actual ownership share. The bulk is repaid quarterly for me, which is why the total value usually only moves slightly from month to month.

• Property 1: estimated value €135,000, remaining loan €111,610, I own it 100% → portfolio value: €23,390
• Property 2: estimated value €326,000, remaining loan €262,660, I own only half → portfolio value: €31,670
• Property 3: estimated value €194,000, two remaining loans (€147,387 + €30,459), I own only half → portfolio value: €8,077

Together that makes the €63,137. The values are deliberately set conservatively – in reality the properties are probably worth a good 10% more. I'd rather calculate conservatively and be positively surprised later on a sale than talk everything up.

No. 2: P2P loans with stable income

In 2nd place are my P2P loans, which gained decently again in July: from €92,301 to €95,514, a gain of €3,213.

With P2P loans I follow a clear strategy: I'll fill the position up to €100,000 and then no longer actively add to it – the share of the total portfolio should automatically fall as a result. P2P is currently around 21% of my wealth, long-term I'm aiming for more like 10% here. I don't achieve that through sales, but by funding stocks, real estate and crypto much more strongly than P2P from now on.

The capital is still spread across more than 15 platforms. The largest position remains Mintos*, followed by Bondora Go & Grow*, Debitum*, Lande*, Ventus Energy – currently my "problem child" –, Indemo*, Maclear*, Devon* and Asterra*. I'm still building up a few more platforms.

But the really exciting thing is the income: in July I recorded €787 in net income from the P2P portfolio – a little less than in June (€902.48), but that was simply because a large bonus plus cashback was also paid out in June. The trend in pure interest income continues upward.

You can view my full P2P portfolio live and in real time: Look inside the P2P portfolio. A detailed, separate P2P update with all platforms follows soon in its own article.

No. 1: My stock portfolio

The undisputed leader remains my stock portfolio: €254,870, a gain of €13,403 in July (previous month: €241,467). The increase comes from both good price developments and additional purchases – significantly more than in the previous months. That's exactly my strategy: while P2P winds down towards €100,000, I fund stocks, real estate and crypto noticeably more strongly from now on.

At the top of the portfolio is now Microsoft, which has run very strongly recently, followed by McDonald's (a little weaker lately, but I just bought more there) and Visa. The other largest positions: Munich Re, LVMH, Waste Management, Procter & Gamble, Nestlé, Allianz, Realty Income, Coca-Cola, PepsiCo, SAP, Novo Nordisk, Main Street Capital, Hermès (weak lately), Ferrari, Vici Properties, Public Storage and Chevron. No completely new position was added in July; instead, I increasingly bought more of existing holdings – two or three more stocks are currently on my watchlist.

My portfolio is fully shared live, including my separate dividend portfolio: Look inside the dividend portfolio. It now shows over €15,000 in realised gains and over €8,000 in dividends received. There's a detailed, separate update on that coming in the next few days too.

On the side: a free McDonald's share via Smartbroker+

Quickly on the side, because it fits well right now: there's currently a promotion where, as a new customer at Smartbroker+*, you can secure a share of McDonald's stock worth €20. I've summarised all the details and terms in a separate article: Smartbroker+ promo: claim a €20 McDonald's share.

Target asset allocation: where the journey is heading

My wealth is currently split like this: stocks 56%, P2P loans 21%, real estate 13.9%, the rest across crypto, cash, occupational pension, real assets and Private Markets.

My rough target direction for the coming years:

• P2P loans: from currently 21% down to around 10% long-term
• Real estate: currently 13.9% – I'd also have no problem with the share rising to 20–25%
• Crypto: target is 5 to 10% (currently around 4.5%)
• Cash: permanently around 10% as a buffer (currently well below that)
• Occupational pension: target around 5% (currently around 2%)
• Private Markets & real assets: deliberately stay small diversification blocks

Stocks will probably not stay at 56% but rather grow a bit more – simply because I'll put the most new capital in here in future.

Conclusion

July was marked by a noticeable recovery in Bitcoin, significantly more additional purchases in the stock portfolio than usual, and overall strong wealth growth of 3.41% on the previous month. Since the start of the year, I'm now up 47.75%.

How's it looking for you? Were you able to grow your wealth in July, where did you buy more, and what does your own target allocation look like? Let me know – I really enjoy exchanging ideas with you about your strategies.