August Portfolio Update – €13,996.1

by Sep 4, 2019Monthly Update0 comments

*Disclosure: This post may contain affiliate links, which means that I get a commission if you decide to make a purchase through my links, at no cost to you. Read my disclosure for more info.

Hello fellow investors! Another month has rolled around and it’s time for my monthly income report.

Before we get into the report, I have some exciting news! And that is that Envestio now offers an auto-investment tool. 

 

Auto Investment Feature On Envestio

 

Envestio is one of my favorite P2P tools because it offers hands down the best investment rates and the user interface is good. However, many investors have complained that the loans on Envestio are too hard to come by. There’s rarely any loans on the platform and when they do become available, they get snatched up in a matter of hours. 

This is exactly why Envestio now offers the auto-investment option. You can set it to invest as much or as little as you want, the industries that you’re looking to invest in, the length on the project and the rate of return that you’re looking for. 

You can find my setting further down the post if you’re interested in finding out more!

If you don’t have an account on Envestio yet, you can sign up through my partner link and get €5 + 0,5% cashback bonus on all your investments for the first 270 days. (You will only get this bonus through my link, not on the Envestio website!)

Now, let’s get into the monthly report!

 

August Portfolio Update 

 

The figures and GBP / EUR rate were taken on Setpember 1st.

 

Platform

Total (P2P + Stocks)

Total (P2P only):

 

Income

€35.1

€22.8

€12.0

€10.5

€13.9

€0

£-12.83

 

 

€80.13

€94.3

% Yield

12.8%

17.2%

13.9%

10.1%

7.2%

 

 

 13.8%

Value

€3,329.6

€1,613.3

€1,546.4

€1,553.3

€1,030.3

€500.2

£4,005.5

(€4,423)

 

€9,573.1

€13,996.1

Platform

Total (P2P + Stocks)

Total (P2P only):

 

Income

€35.1

€22.8

€12.0

€10.5

€13.9

€0

£-12.83

 

€80.13

€94.3

% Yield

12.8%

17.2%

13.9%

10.1%

7.2%

 

 13.8%

Value

€3,329.6

€1,613.3

€1,546.4

€1,553.3

€1,030.3

€500.2

£4,005.5

(€4,423)

 

€9,573.1

€13,996.1

Disclaimer: This blog post layout was inspired by FinanciallyFree.eu

 

Portfolio Performance: Historical View

 

 

The income from my P2P portfolio was €94.3 this month, which is -€1.8 lower than last month, but still pretty good! My overall P2P portfolio is returning about 13.8%.

 

 

 

Moreover, the overall value of my P2P + stocks portfolio is now €13,996.1  which is + €3,546.57 from last month.

I invested about £2k into another chunk of S&P500 tracker funds, €500 into Grupeer, €300 into RoboCash and €500 into CrowdEstor, which is a new platform for me. More about this later!

I’m getting very close to having my target of €10,000 in just P2P investments, which is exiting! 

In September and October, I plan to try out a few more P2P platforms, including Swaper and CrowdEstate. I am also intrigued by the interest rates that Kuetzal offers, so I’m planning to do a little more research about the platform.

 

What’s New In The Portfolio: CrowdEstor

 

In August, I decided to add another P2P/Crowdlending platform to my investment portfolio. It’s called CrowdEstor, which is a crowdfunding platform that allows you to invest in business, transport, real estate and start up projects from as little as €50.

The interest rates offered on CrowdEstor are very similar to those on Envestio. Most of the projects that I’ve invested in have an interest rates between 14-16% and one of them is 12.8%.

What I like about this platform is that unlike Envestio, you know WHEN new projects are coming to the platform like you can see in the images below. You can mark these times in your calendar and when it’s time, go over to the platform, read about the investment and choose if you want to invest in the project or not. I wish Envestio did this!

 

Another thing that I like is that you can get paid monthly interest depending on what projects you choose, unlike on some other real estate crowdfunding platforms like EstateGuru.

CrowdEstor also has a buyback fund. This doesn’t offer risk free investing, but it will cover some losses if your investment defaults. You can read more about the buyback fund here.

I like to diversify my investments, so I’ve spread out my initial €500 into 7 different projects. I plan to add another €500 sometime this fall to bring my total investment to €1000. I’ll make sure to update you with a full review in a couple of months time when there’s more data!

 

 

Mintos

 

 

The monthly income from Mintos has been pretty consistent over the last 5 months as I haven’t added new funds to the platform. The income has been slightly different each month, because sometimes there are delays in the loan repayments. (Usually, around 30% of my loans on Mintos are overdue, but this can also be higher!)

If you don’t have an account on Mintos yet, you can sign up through my partner link and get 1% cashback bonus on all your investments for the first 90 days. (You will only get this bonus through my link, not on the Mintos website!)

 

 

Envestio 

 

 

This month the monthly income from Envestio was €22.8, which is around 17% per annum. I received my first ever principal repayment this month (€250) without any problems, which makes me trust the platform that much more.

I only spotted one new investment on the platform in August, so there are still some issues with cash drag on the platform. At the moment, I only have €100 free to use, so it’s not a BIG problem for me, however as I start getting more principal payments back from the platform, I might look at reinvesting them elsewhere.

Also, MAJOR news guys! Envestio now offers an auto-investment tool as well! This is fantastic because the number 1 thing that people complain about when it comes to Envestio is that investments are always gone in hours. If you set up an auto-invest strategy, you don’t need to worry about this anymore.

Of course, the downside is that you don’t get to read more about the projects that you invest in, but personally I think it’s a great feature.

For anyone interested, here are my settings:

 

I’ve decided to err on the more cautious side, so I’ve limited my auto-investments to €100 per project. I also don’t like my money to be locked up for long, so I’ve chosen to invest in projects that don’t last over a year.

If you don’t have an account on Envestio yet, you can sign up through my partner link and get €5 + 0,5% cashback bonus on all your investments for the first 270 days. (You will only get this bonus through my link, not on the Envestio website!)

 

Grupeer

 

 

 The income from Grupeer was €12 this month, which is about the same that it was last month. I added another +€500 to my Grupeer account in August, so I’m expecting my income to jump to at least €15 in the next few months. 

I’m starting to like Grupeer a lot. The returns keep getting better and it looks like all the loans are always paid on time. I have to admit, when I first joined Grupeer, I wasn’t a massive fan of it.

The auto-invest tool wasn’t working properly for me and the user interface seemed more confusing than other platforms to get into. But now, after investing in my initial loans and setting up the auto-investment tool, everything seems to be working seamlessly.

 

RoboCash

 

Over the last few months, RoboCash has delivered what it’s promised: about 12% yields with no hassle. It’s one of my most passive platforms and I rarely check in to do any changes on the account. One downside about RoboCash is that some of the loans are always late, which is why the monthly income amount varies month to month.

 

EstateGuru

 

 

The monthly income from EstateGuru was €13.90, which is a lot higher than the previous month’s returns have been. This is exciting! However, some of this money came from my initial sign up bonus (+0,5% of investments in the first 3 months), which was partly paid in August.

The loans offered on EstateGuru are paid quarterly, bi-annually or as a balloon loans, which is why the income per month is so low compared to other platforms. It’s hard for me to comment on the returns on the platform just yet.

EstateGuru deals with real estate loans, so if you want to diversify your portfolio a bit, this could be a good option.

If you don’t have an account on EstateGuru yet, you can sign up through my partner link and get a 0,5% cashback bonus on all your investments for the first 90 days. (You will only get this bonus through my link, not on the EstateGuru website!)

 

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Thanks for reading! Let me know your thoughts in the comment section and don’t forget to subscribe to the news letter so that you receive monthly updates straight to your inbox.

 

 

Newest Investments

 

You can head over to my portfolio to see the latest state of my portfolio and where my money has gone in the last months!

 

 

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