November Portfolio Report: €25,563

by Dec 10, 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 hello, fellow investors!

Another month has passed by and it’s time to reflect on how my investments performed in November.

Personally speaking, November was a fantastic month, and I earned more than I ever have from my other blog – about $7,000. I’ve been working pretty diligently, so it’s nice to see the hard work paying off!

In terms of investments, most things have gone pretty smoothly as well.

The only thing that I wanted to expand on is that Mintos seems to be in yet another kind of trouble.

 

More troubles for Mintos

 

Last month I explained how a few loan originators were looking like they were going to default, and this month IuteCredit and Monego have had their licence revoked in Kosovo.

Subsequently, Mintos froze any primary and secondary market transactions of these loans.

You can read more about the situation here. I have about €500 invested with IuteCredit in Kosovan loans, so I was feeling nervous when I read the news.

However, from what I’ve read about the situation, the Kosovan goverment has no legal ground to revoke the licence of these 2 LO’s and IuteCredit is initiating legal action against the local goverment. They have also said that any existing loans will be paid to investors.

At the moment, I am not 100% sure about what will happen to Monego.

These kinds of news two months in a row have made me feel a little bit nervous about Mintos. So far, I haven’t lost any money, but who’s to say that I won’t if Mintos keeps operating this way?

What upsets me and many other investors is that Mintos takes away the ability to sell these loans on the secondary market – upon bad news, they immediately freeze all loans.

There are many investors who would like to get rid of their loans in instances like these, and other investors who are willing to take on the risk if they can get a good discount on the loans.

Because of this shady behaviour and the bad news that seem to keep coming, I’m going to reduce my investment on Mintos by about €500-€1,000 and transfer them to other platforms (currently I have about €3,500 on the platform).

 

Now, with this news out of the way, let’s have a look at how my portfolio performed in November!

 

Income

€31.54

€25.31

€16.57

€14.17

€6.36

€6.53

€0

€3.77

€0.03

€180.57

£198.36

 

 

Yield

11%

18%

12.5%

10.7%

6.9%

7.7%

0%

9%

0.07%

 

Total Value

€ 3,464.62

€ 1,788.35

€ 1,601.24

€ 1,599.26

€ 1,135.26

€ 1,017.96

€ 500

€ 507.11

€500.3

£11,240.35

 

 

Total P2P Income: €104.28

Total Yield (Month To Month): 11.06%

Crowdlending Portfolio Value: €12,214

Total Portfolio Value: €25,563

 

Note: I don’t calculate the yield or income of stocks because their value changes so much month on month – I’m planning to review them annually.

 

Portfolio Performance: Historical View

 

 

 

The income from my P2P portfolio was €104.28 this month, which is -€23.93 lower than last month. On some platforms, I get paid for projects once a quarter, so I’m guessing that this has something to do with it.

 

 

My crowd lending and stocks portfolio has grown to €25,563, which is +€3,743 higher than last month. Honestly, I didn’t put away a lot of money at all into investments last month, but sterling has become stronger and that’s why it looks like my portfolio grew a lot.

In reality, I only put my regular £2k into my ISA (a tax free UK investment account), €500 into Swaper and €100 into CrowdEstate.

 

Envestio

 

 

Things are looking great over on Envestio, as per usual. In the past few months, Envestio has also added a lot of large projects to the platform, which means that I don’t usually have any money knocking around and causing issues with cash drag.

Out of the platforms I’ve invested in, Envestio offers the most competitive interest rates an. My average interest rates are between 16-18%. If you are looking to add a platform that offers high interest rates into your portfolio, I can thoroughly recommend Envestio!

 

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!)

 

Mintos 

 

 

I’ve already talked about some of my concerns with Mintos earlier in this post.

Personally, I haven’t been affected by any of the recent disasters over at Mintos, and my income is still around the €30 range, like it usually is. However, I am a bit nervous about the recent bad news coming from Mintos two months in a row, which is why I’ve decided to take out €500-€1,000 from the platform, transfer them to other platforms and diversify my risk.

If you don’t have an account on Mintos yet, you can sign up through my partner link and up to 1% cashback bonus on all your investments for the first 30 days with the code “CLIY4V”. (You will only get this bonus with my code!)

To read a more detailed Mintos review and a full recap of my historical returns on the platform, head over to my Mintos review here.

 

Grupeer

 

 

The income from Grupeer was €16.57 this month, which is about a 13% yield on my investments.

So far, all the loans that I’ve invested in on Grupeer have been paid on time and it’s very passive, much like RoboCash.

This month, my account value on Grupeer exceeded that of RoboCash. I started investing on RoboCash about 1-2 months before I first started investing in Grupeer. I transferred the same amount of money into both, and I was interested to see which one would grow quicker. RoboCash promises 12% rates, whereas on Grupeer, the interest rates are usually closer to 13%. 

It was fun to see that my Grupeer account value went past that of RoboCash, even though I started investing on the platform a few months later. 

If you’re debating which platform to go with between these two, I recommend Grupeer – the loans are always paid on time and I prefer the user interface too.

 

 

RoboCash

 

 

This month, I earned €14.17 on RoboCash, which is quite average for my account.

RoboCash is one of my most passive platforms and I rarely check in to do any changes on the account. If you’re looking for a hands-off investment platform, this one is worth checking out.

 

EstateGuru

 

 

Last month I told you how amazed I was at the great returns on EstateGuru. Well, with high months come low months – this month’s income was only €6.36. The loans offered on EstateGuru are paid quarterly, bi-annually or as a balloon loans, which is why the income per month can vary drastically.

Still, my average returns on EstateGuru have been good so far and I think it’s a good platform to have in my portfolio.

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

 

CrowdEstor

 

 

In the last month, I earned €6.53 from CrowdEstor, which corresponds to roughly 7.7%. It’s a far cry from my expected rate of return (15.45%), but I’m not surprised about it.

Some of the projects that I invested in are paid on a monthly basis, whereas others are paid on a quarterly basis or evern as balloon loans. That’s why I’m expecting to see some fluctuations in the income on a month-to-month basis. 

This month, a portion of a project that I had invested in was repaid in advance. This means that I now have about €43 on my account which is too little to invest into projects and is causing a little cash drag. I might put another €100-€500 into the platform in December.

 

CrowdEstor also made some cool (and more importantly – useful!) changes into their platform last month. Now, you can see at a glance when you’re next payments are coming in, how diversified your portfolio is and other statistics.

 

Here’s a few screenshots from my account:

 

 

So far, my experience on CrowdEstor has been very positive. The platform is very user friendly, there are lots of high-yielding projects to choose from AND the user interface is fantastic.

What I like most about CrowdEstor is that you know exactly when a new project is launched on the platform thanks to their count down timers:

 

 

This makes it easier to plan your investments. And even when there are no investments available, you’ll know when to expect one. If you want to add some real estate and business projects into your portfolio, I can recommend CrowdEstor.

 

Kuetzal

 

 

Last month I received €3.77 in income and bonuses on Kuetzal. It’s a small start, but at the same time I’ve only invested €500 on the platform.

I plan to bring my total investments on the platform to €1,000, but currently there’s a lack of investments that come with a buyback guarantee, so I haven’t been able to top up my account to that value.

So far, my experience with Kuetzal is quite neutral. I know that a lot of other personal finance bloggers have been raving about the platform, but personally, I find that there are a little too few loans on the platform to get excited about.

I like to invest a maximum of €50-€100 per loan on crowd lending platforms, so it can take a long time for me to invest the overall amount that I want. 

One positive that I will say about Kuetzal is that they offer a buyback guarantee on about half of their loans, which brings additional peace of mind. (These are the only loans that I’m investing in on this platform.)

 

CrowdEstate

 

 

I currently have €500 invested in CrowdEstate, and even though the money is invested across 4 projects, I still haven’t received any interest after 3 months. I would like to invest more money into CrowdEstate in the future and bring my account to €1,000, but at the moment I’m waiting to see if there is any point.

I mean, all other platforms that I’ve invested in have provided at least SOME returns, while with CrowdEstate it’s a waiting game. Of course, I’m to blame here too – most of my loans are paid on a quarterly basis, but I also accidentally invested in one full-bullet type real estate loan, which means that I won’t see any interest or principal until the project is finished. 

 

 

Swaper

 

 

Swaper is a new platform in my portfolio! After months of looking into Swaper, I’ve finally gone ahead and put €500 into the platform. It took about 10 days for my funds to be invested, which was a little frustrating, but I guess it’s also reassuring – the platform is popular among users and it seems like the quality of loans is a priority for the Swaper team. 

As far as I’m aware, the loans on Swaper are short-term loans that are up to 30 days. For me this is a bonus, because it means that I can liquidate my account if needed quicker. This is especially great, since Swaper doesn’t have a secondary market. All loans on Swaper come with a buyback guarantee.

I plan to put another €500 into Swaper in December. 

 

Blog 

 

 

My blog income reached new highs this month, which is exciting! I made €180.57,  which is really cool!

If you want to start a blog and track your investments and savings too, head over to my step-by-step tutorial on How To Start A Personal Finance Blog!

If you’re interested in learning in more detail about how to make money blogging, you can check out my income reports on my second blog, The Chic Pursuit, where I do monthly deep dives about how to make money as a blogger.

 

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.

 

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