September Portfolio Report – €17,261.26 + Huge Blog Income!

by Oct 8, 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!

It’s time for another monthly portfolio review!

In September, my monthly income from my investments remained pretty much the same as they were in August, but my blog income JUMPED! 

I was actually really surprised to see that I somehow managed to make €150 from this tiny blog so quickly. From now on, I’ll add my blog income to the monthly portfolio reports for more transparency.

If you want to read more about how I do it, you’ll find it at the end of this post.

Overall, the end of September and beginning of October have been really busy for me, which is why I’m updating this blog post so late. Q4 is particularly busy in online marketing (which is what I do as a job),and it’s bound to just get busier! 

Millenial Money Talk was also featured on the P2P Market Data Blog, which did an article about the Top 20 P2P Lending Portfolios – exciting! 🙂 If you’re looking for more personal finance blogs to read, you can find plenty of good sources there.

Anyway, let’s get into the monthly report before I ramble on too much! 

 

September Portfolio Update 

 

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

 

Income

€28.01

€19.58

€21.49

€13.98

€10.56

2.37

€150.93

 

€95.99

% Average Yield

10.1%

14.6%

16.7%

10.8%

12.3%

5.7%

 

12%

Value

€3,397.61

€1,643.15

€1,567.89

€1,567.28

€1,090.86

€1,002.57

€100

€100.5

£6,110.34

(€6,792.01)

€10,469.86

Income

€28.01

€19.58

€21.49

€13.98

€10.56

2.37

€150.93

 

€95.99

% Average Yield

10.1%

14.6%

16.7%

10.8%

12.3%

5.7%

 

12%

Value

€3,397.61

€1,643.15

€1,567.89

€1,567.28

€1,090.86

€1,002.57

€100

€100.5

£6,110.34

(€6,792.01)

€10,469.86

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

 

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

 

Portfolio Performance: Historical View

 

 

The income from my P2P portfolio was €95.99 this month, which is +€1.69  higher than last month. The return has stayed pretty consistent! I invested some money into crowd funding projects that will only pay interest on a quarterly basis, so you can expect to see some jumps in this in the future.

 

 

Moreover, the overall value of my P2P + stocks portfolio is now €17,319.9  which is + €3,323.8 from last month.

I invested about £2k into a hedged S&P 500 tracker fund (iShares V plc (IGUS)), which hedges the currency risk between GBP and USD when investing into S&P500. I also put €500 into CrowdEstor, €100 into CrowdEstate, €100 into Kuetzal and €50 to EstateGuru to fund new real estate crowdfunding projects.

This month I hit my target of having €10,000+ in my P2P / Crowdfunding portfolio, wohoo! 🙂

My goal for end of next year is to have around €25,000 in my crowd lending platform and to try out as many reliable platforms as I can, so that’s the next target in my sight!

 

Mintos

 

 

This month my monthly income on Mintos went down a little compared to the last month’s. There was significant cash drag on my account, and at one point I was manually selecting loans and re-investing my funds back into the market with lower rates than usual (around 10%).

After a few time of doing this, I realised that Mintos had actually added new loan originators to its platform a while ago that I hadn’t included in my auto-investment portfolio.

So, I added the best ones in (with A & B ratings) and that solved my cash drag issue. Even then, I had to take some loans that yield 10% – it seems like good quality loans above that interest rate are rare at the moment.

Mintos has also introduced a new feature on their platform called Invest & Access. Many investors and fellow bloggers have been getting great results with it, but so far I’m not a fan. At the moment, my interest rate is 9.84% which is lower than what I’m getting on the platform on average.

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!)

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!

 

Envestio 

 

 

This month the monthly income from Envestio was €19.58, which is a little lower than usual, but around the same range.

I’m really enjoying using Envestio at the moment, especially since they have recently introduced an auto-investment function!

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.

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 €21.49 this month, which is almost double to what I normally receive. I had added an extra €500 to my account in August, so this jump is a direct result from that.

Grupeer has quickly earned my trust and I’m liking it more and more as I use it. So far, all the loans that I’ve invested in have been paid on time and it’s very passive. The returns are great at 13% as well, and you can diversify your portfolio to include different loan originators and even invest in development projects.

I originally didn’t like the fact that most of the loans are more than 6 months because there isn’t a secondary market, but now I’m feeling more at ease about it. The loans that I invest in on Grupeer are generally around 9 months.

 

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 €10.56. Finally it seems like I’m starting to get decent returns from this platform!

In September, one of the development projects that I had invested in was repaid early, which is the second time that this has happened. Great! 🙂

I also put in another €50 deposit, because I wanted to reinvest some of the interest that I had received. (€50 is the minimum deposit, and at the time I had accrued €30 interest on the platform so I invested €80 into a new project.)

The loans offered on EstateGuru are paid quarterly, bi-annually or as a balloon loans, which is why the income per month has been low compared to other platforms. 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!)

 

 CrowdEstor

 

 

I deposited €1,000 in total to CrowdEstor over the past month and after several weeks, I managed to invest all of it into 15 different projects. My current expected rate of return is 15.45% and I should be getting paid on a monthly and quarterly basis, depending on the project.

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.

I hope other platforms like Envestio would start implementing this too!

 

 

Blog Income

 

 

I decided to start tracking my blog income here as well, because it goes well with the theme and it’s blown my mind a little bit!

In September, I earned a whopping €150.93 from this blog which is insane, especially considering that only 1,127 users visited this blog.

To those of you who don’t know, I run a separate blog, The Chic Pursuit, full-time and most of my income comes directly from there. The income I receive from that blog is on average around €3,100 / month, however I also have more than 60,000+ people visiting the blog every month.

In comparison, Millenial Money Talk is making MUCH more compared to the amount of visitors!

If you want to start a blog to track your income as well, head over to my tutorial on How To Start A Personal Finance Blog and follow the steps!

If you’re interested in learning in more detail about how to make money blogging, you can check out my income reports on my other blog, 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.

 

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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