€432,052 Net Worth: My Portfolio Update for June 2026

June is over – and that means it's time again 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 30 June 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 June 2026

As of 30 June 2026, there is €432,052 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	+€123,793	+40.16%
31 May 2026	€417,823	+€14,229	+3.41%

Important here: this is not pure return, but is made up mostly of my paid-in income and price growth.

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

1. Stocks – €241,467
2. P2P loans – €92,301
3. Real estate (my equity share) – €62,773
4. Crypto – €17,889
5. Occupational pension (bAV) – €9,500
6. Real assets – €4,224
7. Cash – €2,204
8. Private Markets – €1,695

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 €1,695 (previous month: €1,626, so +€69). The ranking stays unchanged at No. 8.

There was no new purchase here in June, yet the value rose slightly. One reason: I'm invested via a fund that was also involved in SpaceX – even before the IPO came.

I'm invested here via the NAO app*, where you can get into private-markets positions from as little as €1.

No. 7: Cash – why it collapsed in June

My cash literally crashed this month: from No. 5 to No. 7, a drop of €2,992 (from €5,196 to €2,204).

The reason is simple: in June I renovated an apartment – completely repainted, new flooring, new kitchen. Accordingly, my cash buffer is currently relatively thin.

No. 6: Real assets & alternative investments via Timeless

Real assets stand unchanged at €4,224 – the value itself didn't move in June. Due to the shift in cash, however, the block climbed from No. 7 to No. 6.

I invest here entirely via Timeless*, among other things in watches, whisky and art.

There was one exciting piece of news anyway: in June, the first vote took place on a possible exit of one of my Timeless positions. If it goes through, the first realised profit from this block could arrive soon.

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 €9,500 (previous month: €9,000, so +€500). My company pays this in for me each month. Due to the shift in cash, this item climbed from No. 6 to No. 5.

No. 4: Cryptocurrencies – Bitcoin dip as a buying opportunity?

With cryptocurrencies the rank stays unchanged (4), but the value fell noticeably: from €20,809 to €17,889, a drop of €2,920. The crypto market as a whole pulled back decently in June.

Of that, around €17,793 is currently in Bitcoin and €96 in Solana (a leftover position I'll simply dissolve long-term). I actively buy Bitcoin via a savings plan. After the price drop, I'm considering adding a larger amount again in July – I just find the current Bitcoin price very interesting.

No. 3: Real estate as an investment

With real estate, nothing changed in the ranking (No. 3), but the value did: it rose from €59,277 to €62,773, a gain of €3,496.

In total I hold three properties. Important to understand: I don't enter the full market value of the properties into the portfolio, but the market value minus the remaining debt from the financing – and multiplied by my actual ownership share.

• Property 1: estimated value €135,000, remaining loan €111,841, I own it 100% → portfolio value: €23,159
• 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 (€147,607 + €30,505), I own only half → portfolio value: €7,944

Together that makes the €62,773. I've been in the game with my first property for seven years. For me it's a very passive block: buy, renovate once, take care of tenants – and then it largely runs on its own.

No. 2: P2P loans with a new income record

In 2nd place are my P2P loans, which also gained strongly in June: from €84,335 to €92,301, a gain of €7,966.

The capital is currently spread across more than 15 different platforms, including Mintos* (largest position), Bondora Go & Grow*, Debitum*, Lande*, Ventus Energy, Indemo*, Esketit, Twino, Monefit, Afranga and Lendermarket. I'm deliberately reducing a smaller position at a platform currently under criticism.

But the really exciting thing is the income: June was a new record month at €902.48 net – in May it was €895.84. So the trend in pure interest income continues upward; on top of that come regular bonus and cashback promotions from the platforms.

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: €241,467, a gain of €8,111 in June (previous month: €233,356).

The largest positions currently: McDonald's, Visa, Microsoft, Munich Re, LVMH, Procter & Gamble, Waste Management, Nestlé, Allianz, Realty Income, Novo Nordisk, Coca-Cola, PepsiCo, SAP (newly added), Main Street Capital, Ferrari, Vici Properties, Public Storage and Chevron.

My portfolio is fully shared live – including my separate dividend portfolio: Look inside the dividend portfolio. There's also a detailed, separate update on the stock portfolio regularly, with reasons for purchases and strategy – feel free to check back in the coming weeks.

Conclusion

June was marked by a larger shift due to the apartment renovation, a noticeable crypto dip, a new P2P income record and further growing real estate and stock positions. Overall, the bottom line is wealth growth of 40.16% since the start of the year.

How's it looking for you? Which asset classes do you have in your portfolio, what was recently on your watchlist, and do you invest in P2P loans or crypto yourself? Let me know – I really enjoy exchanging ideas with you about your strategies.