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My Portfolio - Part 2: REITs, Value, Growth And Crypto

Bjorn Zonneveld profile picture
Bjorn Zonneveld


  • In my portfolio, I have five groups: Dividend growth, value, REIT, high yield, and growth.
  • In today's article, I will talk about my REITs, Value, Growth stocks, and as a bonus, my Crypto holdings.
  • There are rules I use to take emotions out of my decisions.

In my last article, I talked about my dividend growth and high yielding stocks and I got some really nice replies from readers. I hope that this article will be well received as well and I will again try to explain the rationale behind my choices and positions. For the people that did not read my first article you can find it here. Anyway, for the people who did not read the first part, I will tell a bit about myself. In this article, I will explore my own portfolio and write about what rules I have for my portfolio. I hope that this will give readers an idea for their own portfolio. Some information about me: I am a 23-year-old investor from the Netherlands. I started my journey in 2018 while I was on exchange in Texas (Angelo State University). Unfortunately, I bought slightly before the drop at the end of the year. Nevertheless, my portfolio's performance has been okay and my dividends have grown to approximately €475 ($562). Every month I try to add €750 ($827) and whatever I earn by writing articles on Seeking Alpha. However, I do not only focus on stocks as I also own some P2P loans on EstateGuru (I am phasing this out and no more liquidity will be added) and cryptocurrency.

To determine which stocks to buy I like to use the K.I.S.S. methodology. K.I.S.S. stands for keep it simple stupid. When I first started investing I bought and sold shares regularly as I did not want to add to any stock that had appreciated more than say 5%. I would add to my losers (even when I did not have a clue what the companies did). When I did my thesis (which is a mandatory part of University here) I decided that it was time to set some rules on

This article was written by

Bjorn Zonneveld profile picture
I mainly focus on stocks that are unknown by the public and REITs. As for me: I am a BBA graduate who is pursuing a Master in Finance (MSF) at Erasmus University (Rotterdam, Netherlands) and work a student job in the real estate industry. My portfolio mainly consist of dividend growth stocks and REITs. Although I do have smaller positions in growth and value (non-dividend) stocks. My largest positions are: Enbridge, Abbvie and VICI.

Analyst’s Disclosure: I am/we are long ALL STOCKS ELABORATED ON IN THIS ARTICLE. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

I own the European tickers of European companies and not the ADRs

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Comments (20)

Hi Bjorn, I liked your article, but probably that's confirmation bias: most of the stocks you mention are in my portfolio :-) Since there are not a lot of people on SA to discuss European stocks with, I turn to you: have you looked at Adler Real Estate Group, or Peach Property, as alternatives for your Vonavia holding? As you know, there are multiple REITS with German apartments, why did you pick this one? Thanks in advance!
Bjorn Zonneveld profile picture
@highdyk Glad you liked the article :). So the reason I picked Vonovia over those two is the following: Adler's LTV is above my threshhold and debt is above my liking. Peach property is listed on the Swiss Exchange which would mean more costs as I currently don't own any stock on the Swiss Exchange. I picked Vonovia over some others that you did not mention because of the growth they have experienced and the increasing dividend/dividend growth rate.
Nice article, I have a few small investments in European equities, being an income investor(retirement) the annual dividend payouts over there leaves me in a pause. One has to have a relatively close relationship with a company to determine its financial health. Whereas in the U.S. that window is a little closer in which one can determine whether or not a company is being mismanaged.
Otherwise I think global investments is becoming a game changer for investors like me. I like the idea of diversity, there is a safety net in which to readjust one’s portfolio in questionable times.
Bjorn Zonneveld profile picture
@2013alpha* I agree the annual dividend payments can be a bit of a puzzle especially with the interim and final counting as 1 year instead of a calendar year. It helps a lot if you can speak the language of the country a company is from as there will be news articles about a lot of companies.
Global investments can both be an advantage and disadvantage due to FX but it definitely helps to add some diversification and gives you more options for investments.
lonewolf13 profile picture
Great article. Thanks for sharing. Always looking for interesting European stocks. You put some new ones on my radar
Bjorn Zonneveld profile picture
@lonewolf13 No problem glad you liked the article!
ZarkaX profile picture
It’s seems that everyone is on the value stock right now,
Time to buy the growth?
Bjorn Zonneveld profile picture
@ZarkaX Growth stocks are still expensive while value is getting closer to their average. Might be a good idea in a month or two imo!
luukh profile picture
01 Apr. 2021
Dankjewel! Nice and clear article!
Bjorn Zonneveld profile picture
@luukh Geen probleem! Happy you liked it.
Steady Income profile picture
Thanks for your interesting article. Coincidentally, I'm from Texas and now live in Amsterdam.
Bjorn Zonneveld profile picture
@Steady Income Happy you liked it. What a coincidence! Texas is great and I hope you enjoy our country!
Steady Income profile picture
@Bjorn Zonneveld Thank you, Bjorn. I love it here, especially since I don't need to drive a car or sit in traffic. I've split my time between rural Texas and Amsterdam for almost 30 years. I'm a Dutch resident. Tot ziens!
Bjorn Zonneveld profile picture
@Steady Income all you need is a bicycle here haha. Happy investing en tot ziens!
Glad you own Bitcoin even though it's clear from your write-up that you have a very limited understanding of it. That's OK. You will make plenty of money anyway.
Bjorn Zonneveld profile picture
@globalmacro I am not that much into the crypto space and only own the ones that sound like a good deal or which I somewhat understand. Happy investing.
Very interesting article, thank you Bjorn! Made a purchase in Aroundtown right now. Will make a purchase in Vonovia later today.

Long WPC.
Bjorn Zonneveld profile picture
@Moulier no problem! Aroundtown and Vonovia are some excellent companies trading at a nice discount :).
Greg Parker profile picture
Nice article. Glad to learn about a few European companies I’d not looked at before as I’m trying to increase exposure outside of the US.
Bjorn Zonneveld profile picture
@Greg Parker glad you liked the article.
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