€501,529 Net Worth: My Portfolio Update for October 2026

Another month is over – time for my monthly net worth update. As always, I'll show you fully transparently which asset classes I'm invested in, how they're weighted in percent and how my wealth has developed. The cut-off date is 30 September 2026. And one thing up front: this month is a very special one, because for the first time I've cracked the half-million mark.

For anyone new here: I'm Lennard and I share everything about finance on this channel. I test financial products and show fully transparently how I invest myself. And 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. Inform yourself about the risks of the respective asset classes and make your own decision.

Overview: My wealth in September 2026

As of 30 September 2026, there is €501,529 in the portfolio. That's growth of €21,966 on the previous month – so +4.58% in a single month. With that, the psychologically important €500,000 mark has fallen for the first time.

Here's how my wealth has developed in comparison:

Growth since	Value in €	Growth in €	Growth in %
31 Dec 2025	€308,259	+€193,270	+62.70%
31 Aug 2026	€479,563	+€21,966	+4.58%

That means I've grown by 62.70% since the start of the year, which is really enormous. But an honest note matters to me: the bulk of this growth doesn't come from pure returns, but from my income, which I continuously invest in stocks, real estate and the like. I'm self-employed, have several companies and am currently ramping up my income strongly month by month – hence the strong growth.

There's one change to the structure this month: my previous eight categories have become seven. I've combined the small positions "real assets" and "private markets" into a single category, "Other assets" – which makes the overview cleaner. As always, we'll work our way from the smallest to the largest position and look at the overall distribution again in detail at the end. Here's how it looks (from large to small):

1. Stocks & ETFs – €261,791
2. P2P loans – €108,205
3. Real estate (my equity share) – €66,500
4. Cryptocurrencies – €28,159
5. Cash – €19,028
6. Occupational pension (bAV) – €11,000
7. Other assets – €6,845

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

No. 7: Other assets (real assets & private markets)

In last place is the new combined "Other" category at €6,845, around 1.4% of my total net worth. It holds two small diversification building blocks.

First, my real assets via the Timeless app* at €5,149. I don't have sneakers or luxury watches sitting at home for this – I invest entirely digitally in real assets like watches, cars and collectibles. The appeal: Timeless takes care of storage, insurance and the rest, so I do it completely passively. If you want to try it yourself, you currently get €10 in starting credit via my link.

Second, my private-markets investments via NAO at €1,696. NAO is a Berlin-based app that lets you invest in private equity and private markets – asset classes otherwise reserved for large investors. For me it's an interesting diversification block that I want to build up a little more. Deliberately, it's not (yet) a large sum.

No. 6: Occupational pension for the self-employed

In 6th place comes my occupational pension (bAV) at €11,000 (around 2.2%). As a self-employed person, I'm not in the statutory pension scheme – I could join voluntarily, but I don't. Instead, I provide for retirement via stocks, ETFs and real estate, but I also want a bAV for diversification.

My company pays into it every month. During the saving phase, the whole thing is completely free of social security contributions and taxes – it's only taxed later on payout at an older age. A solid, predictable building block that simply runs in the background.

No. 5: Cash as a buffer and war chest

In 5th place is my cash at €19,028 (around 3.8%). That's deliberately a bit more than in previous months: part of it is the normal buffer for day-to-day business, the other part is a small "war chest" to act quickly on opportunities – such as a pullback on the stock market or a suitable property. But the bulk of my wealth is and remains invested; cash isn't an end in itself for me, but a means to an end.

No. 4: Cryptocurrencies – Bitcoin in focus

In 4th place are my cryptocurrencies at €28,159, or around 5.6% of the portfolio – and that's almost entirely Bitcoin: €27,998 in Bitcoin and just a leftover Solana position of €161.

I'll offload Solana as soon as it's back in the green. With Bitcoin I stay invested long-term and buy more regularly. Long-term I can imagine an allocation of around 10% here – either through further buying or simply because Bitcoin does well.

I buy my crypto via the Dutch, EU-regulated exchange Bitvavo*. If you want to start there yourself, you currently get €20 in Bitcoin free via my link. But crypto is and remains a highly volatile asset class – only invest money whose swings you can stomach.

No. 3: Real estate as an investment

In 3rd place is my real estate with a portfolio value of €66,500 (around 13.3%). I physically invest myself in a total of three properties in Germany. The rough market value of all three objects together is – depending on the estimate – between around €600,000 and €800,000.

Important to understand: I don't enter the full market value into the portfolio, but the estimated value minus the remaining debt – multiplied by my actual ownership share. Only that way does the figure reflect my real equity.

• Property 1 (apartment, 100% mine): estimated value €135,000, remaining loan €111,146 → my equity share: €23,854
• Property 2 (commercial hall, half mine): equity share pro-rated to my 50%
• Property 3 (apartment, half mine): equity share pro-rated to my 50%

For properties 2 and 3, I deliberately don't quote embellished individual figures but only count my half share of the net value. If you'd like to see more real estate content – for example an example calculation on profitability and financing – let me know in the comments.

No. 2: P2P loans with stable cash flow

In 2nd place are my P2P loans at €108,205, or 21.6% of my total net worth. I cracked the €100,000 mark here a while ago – now the position is only growing moderately.

Strategically, it's important to me: P2P will become significantly smaller in percentage terms. Long-term I'm aiming for more like 5–10% here. Instead, I'm funding stocks, real estate and crypto more strongly. I hold P2P as a diversification block for predictable cash flow, and it fits well into my strategy of dividends, rental income and P2P interest.

I'm invested across more than 20 platforms. The five largest are currently Go & Grow* (formerly Bondora), Debitum*, Mintos*, Lande* and Indemo*. Lendermarket* will be joining shortly. A detailed, separate P2P update with all platforms follows in the next few days. You can view my full P2P portfolio live at any time: Look inside the P2P portfolio.

No. 1: My stock portfolio

The undisputed leader remains my stock and ETF portfolio: €261,791, and thus 52.2% of my total net worth.

The foundation is a broad world ETF: the Vanguard FTSE Global All-Cap UCITS ETF (distributing variant, ISIN IE000CVUM3N6 / WKN A42B1N). It holds around €69,920 – so about 26.8% of my stock portfolio. The ETF invests in over 10,000 companies from developed and emerging markets, effectively covering the entire global market. It's my "worry-free core" around which I deliberately build individual stocks.

With individual stocks I follow a clear dividend strategy – I like passive income without having to sell anything for it. That's also reflected in the holdings. My 15 largest individual positions:

#	Stock	Value in €
1	McDonald's	€20,535
2	Procter & Gamble	€15,396
3	Munich Re	€14,970
4	Zoetis	€13,677
5	Waste Management	€12,671
6	Allianz	€12,438
7	PepsiCo	€12,352
8	Main Street Capital	€12,228
9	Coca-Cola	€12,227
10	Nestlé	€11,991
11	LVMH	€11,501
12	Realty Income	€10,613
13	Hermès	€10,580
14	VICI Properties	€10,200
15	Novo Nordisk	€9,243

As you can see: a colourful mix of consumer goods (McDonald's, P&G, PepsiCo, Coca-Cola, Nestlé), insurers (Munich Re, Allianz), luxury (LVMH, Hermès), real estate investment trusts (Realty Income, VICI Properties) and healthcare (Zoetis, Novo Nordisk). All titles with – in my view – stable, predictable dividends.

An organisational note: since January I've been investing my stocks via my holding company. Price gains within the holding are effectively taxed at only around 1.5% as long as I don't distribute – a big lever for long-term reinvesting. For most retail investors, though, the normal brokerage route is perfectly sufficient; a holding only pays off from certain sums and with the right setup.

If you're looking for a low-cost brokerage account into which you can also transfer existing positions: I use Smartbroker+*, among others – when you open an account there, you currently get €20 in stocks free. There's also a detailed update on my dividend portfolio coming in the next few days, where I go specifically into the individual positions and my dividends.

My portfolio live on Parqet

If you're interested in my full portfolio: I share it live and in real time via Parqet*. There you'll find all positions, statistics and data – fully transparent. I've summarised how Parqet works as a portfolio tracker and what it costs in my Parqet review.

My target allocation

Finally, a look ahead. My current distribution isn't set in stone – I deliberately steer it in a target direction. Here's my target-vs-actual comparison:

• Stocks & ETFs: from 52.2% → around 60% (may still grow)
• Real estate: from 13.3% → around 20% (can happily become more)
• Crypto: from 5.6% → around 10% (should settle in)
• P2P loans: from 21.6% → 5–10% (should come down significantly)

Important: with P2P, "down" doesn't mean I'm selling – I simply leave the position as it is and build up the other blocks more strongly around it. That way the P2P share falls automatically.

Summary: My wealth distribution

So in total there is €501,529 in the portfolio. Here it is again compactly, from small to large:

Rank	Asset class	Value in €	Share
7	Other assets	€6,845	1.4%
6	Occupational pension	€11,000	2.2%
5	Cash	€19,028	3.8%
4	Cryptocurrencies	€28,159	5.6%
3	Real estate	€66,500	13.3%
2	P2P loans	€108,205	21.6%
1	Stocks & ETFs	€261,791	52.2%

From zero to the first million?

To close, one thought that matters to me – especially for anyone just starting out. It took me around seven years for my first €100,000. That sounds long, but that's exactly the point: the beginning is the slowest part. After that, compound interest works for you, and every further €100,000 mark comes noticeably faster – going from €479,563 to over €500,000 just happened in a single month.

The most important step is therefore simply to start – no matter the amount. Whether €20 or €30 a month: what matters is that you get into action and stick with it. The rest is time and discipline.

Conclusion

September was a historic month: +4.58% on the previous month and, for the first time, above the €500,000 mark. Since the start of the year, I'm up 62.70%. My structure is now leaner (seven instead of eight categories), and my focus stays clear: more stocks, more real estate, more crypto – and gradually scaling back P2P in percentage terms.

Now I'm curious: how do you actually invest? Do you rely on several categories, do you have, say, precious metals in your portfolio, which I'm completely missing so far? And what did you buy most recently? Let me know in the comments – I really enjoy exchanging ideas with you about your strategies.