Envestio Review 2019

Envestio – My experience after 1 full year on this crowdlender.

Envestio was actually my most favourite platform after being only a little while into Peer To Peer Lending. Based on that, it was actually my very first platform to write a review about on the 15th of August 2018.

So exactly one year later I thought it would be a great time to update my opinion.

Is it still my favourite platform in my portfolio? No it isn’t, but that is mostly due to its own success. And to be fair, it is a close second. If they can clean up some of the issues they’ve been having recently, then I have no doubt in a nice future for them as a crowdlender.

Envestio is still the platform I have the most invested in; €3000, with a total value now of €3562,79. I’ve actually started on 02/07/2018 with only €1000 and added another €2000 on 07/11/2018. Which means at this rate I should reach a clean €1000 euro profit during spring of 2020.

I don’t think there are many other forms of investment that can achieve this in such a short amount of time. It’s even still crazy for me when I see those return numbers every month, which is averaging slightly above €50 on only (?) a €3000 investment.

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P2P Investments July 2019

Peer to Peer Lending: Portfolio update July 2019

Hello everyone with an Investor’s Mindset!

Overall I’m happy with the first month of the school holidays here in Belgium. Weather has been great (got to 40 degrees in my town last week) and interest wise it’s going well. On all the Fintech platforms I have invested at least €1000 in, I’ve gotten a return above €10. Double digit monthly returns on that amount always gets me in a good mood.

Either way, I’ll let the numbers speak for themselves:

July 2019Received interestAccount Value
Total (€10.000 start)€143,28€11.442,93
Mintos€15,36€1160,39
Robocash€15,36€1135,50
Crowdestor€15,52€1692,06
Grupeer€11,09€1171,15
Envestio€52,66€3551,34
Neo Finance€12,56€1053,50
Kuetzal€17,50€1087,50
Reinvest24€3,23€591,49

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P2P Portfolio Review June19

Peer to Peer Lending: Portfolio update June 2019

Hello everyone with an Investor’s Mindset!

What a ride it has been so far… one full year into alternative investments and I’m at €25.000 of my own money invested. A special thank you to all of you who have been following my journey for a while now.

In total this equates to €10.000 invested into crowdlending and €15.000 into dividend stocks. For now I’ll leave it at this whilst I save up some more and let compounding take over. If you have any other good investment suggestions, feel free to toss them my way in a comment below so I can start researching. These investments are to help me towards purchasing my first investment property, hopefully in 5 years’ time.

As this blog is mainly focussed around Peer-to-peer lending, please find my June portfolio update below:

June 2019Received interestAccount Value
Total (€10.000 start)€160,01€11.299,65
Mintos€12,74€1145,03
Robocash€16,30€1120,14
Crowdestor€31,57€1676,54
Grupeer€16,65€1160,06
Envestio€54,65€3498,68
Neo Finance€10,60€1040,94
Kuetzal€17,50€1070,00
Reinvest24€0,00€588,26

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Crowdestor Review 2019

Crowdestor – invest in Businesses and Real Estate.

When I took my first steps into Crowdlending, I started investing in 3 different lenders at once. Then I took a few weeks to research my next platforms to keep myself very diversified. Which is what I highly recommend to anyone who would like to start investing.

I got really excited about Crowdestor and included them in my very first blog post about my three initial platforms as part of my top 5. Almost exactly one year ago now, at the end of June 2018, I joined this Peer-to-Peer lender.

From the start, 12 months ago, up until now I haven’t had a single complaint about Crowdestor. Everything went smooth and I hope this can continue for many years to come.

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Investors Mindset May 2019

Peer to Peer Lending: Portfolio update May 2019

Hello everyone with an Investor’s Mindset!

Thank you for those who have been with the blog for a while now. In exactly 12 days I’m a full year into Peer to peer lending. So far I can only say it’s been a positive ride. We can’t look into the future, but if this continues until 2024 – the year I turn 40, I might actually reach my goal and double my investment of €10000 to €20000.

When I write, I tend to write long and try to give as much detail and my personal experience in it. However a recent poll showed that perhaps shorter writing is more appreciated. Even though it’s hard for me not to write more. I’ll give it a shot this month! Even if I have a lot to say… Let’s start with numbers, which speak for themselves:

May 2019Received interestAccount Value
Total€155,85€11.139,64
Mintos€10,34€1132,29
Robocash€15,15€1103,84
Crowdestor€0,00€1644,97
Grupeer€14,89€1143,41
Envestio€56,47€3444,03
Neo Finance€13,65€1030,34
Kuetzal€17,50€1052,50
Reinvest24€27,85€588,26

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Robocash Review 2019

Is the Peer to peer lending platform Bondora worth it? No! Look at Robocash instead.

Originally I had planned to review all the platforms I’ve invested in in order of my initial investments.

However, I decided to no longer write one for Bondora, as I don’t have many positive experiences with it. So I’m skipping straight to Robocash instead.

I’ve been thinking of converting my Bondora to the “Go and Grow” option, and go for 6.75% p.a. But why would I do this, when I compare Robocash having a fully buyback guaranteed 12% option?

I’m almost 12 months into this crowdlender and all is still going well.

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Mintos Review 2019

Is Mintos a scam? Is Mintos trustworthy?

Those are the questions I see ever so often.

We’re coming up on 1 year on the platform and 10% interest received on my initial investment, so I feel it’s time now for a review of value. Anything written before were more speculations and opinions.

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P2P Lending Portfolio update April 2019

Peer to Peer Lending: Portfolio update Apr 2019

Hello everyone with an Investors Mindset!

Thank you and welcome to another monthly update of my investment portfolio. As a small recap, I’ve started in June 2018 and build up my portfolio in P2P Investing to €10000. I’m nearing €11000 now within one year. Just let that sink in for a moment, and then compare it to your return on your savings account. I keep a healthy amount there for emergencies. But I’ve decided to continually (re)-invest the rest. That being said, I’ve strengthened my Stock Investments to €8000 this month. A lot of exciting stuff there too, with a lot of earnings being reported of stocks I own, plus early this month my first dividends!

As we are coming to a steady amount of readers I also want to launch an idea. Would you be interested in me supporting a charity? First I could do a poll and give a couple of options. Then I can show an actual investment in it, for example €100. We could also set-up a fund where our readers can assist that I will invest fully, with screenshots. As I think receiving things is great, but giving back and helping our planet in doing so is also important. Feel free to leave your comments below, for next month I could potentially include a poll to which charities as I have some in mind.

Here are the numbers of April 2019:

April 2019Received interestAccount Value
Total€135,79€10.977,53
Mintos€15,24€1121,95
Bondora€3,50€554,15
Robocash€6,03€1088,69
Crowdestor€15,00€1644,97
Grupeer€17,18€1128,52
Envestio€58,38€3387,56
Neo Finance€2,96€1016,69
Kuetzal€17,50€1035,00

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P2P Portfolio Update March 2019

Peer to Peer Lending: Portfolio update Mar 2019

Hello to all with an Investors Mindset!

Thank you all for joining me on another update of my portfolio. I’m proud to say that 10% is really the name of the game here. That means, almost all my starting platforms have reached the first milestone of 10% interest on my initial investment.

Granted, some have reached this with a bonus of some kind, secondary market trading, … but none the less I’ve started this journey in June 2018 and now less than one year later almost every platform has reached €100 interest on the initial €1000 investment (or equivalent).

And I must say this is a proud moment for me. It also means that all the platforms I decided on in this journey are still going strong and stable without any dark clouds ahead. Now time to let the compounding effect do its thing and hopefully in the next 10 months I have another 10% on top of my initial investments. My portfolio is complete now with my maximum of €10.000 invested and here are the numbers for March 2019:

March 2019Received interestAccount Value
Total€138,37€10.841,74
Mintos€11,07€1106,71
Bondora€5,90€550,65
Robocash€12,56€1082,66
Crowdestor€15,00€1629,97
Grupeer€12,56€1111,34
Envestio€50,05€3329,18
Neo Finance€13,73€1013,73
Kuetzal€17,50€1017,50

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P2P Lending Portfolio Update

Peer to Peer Lending: Portfolio update Feb 2019

Hello to all with an Investors Mindset!

First of all, let me welcome you to the new and improved website, directed mostly to investment methods which are much better than putting your money on a normal savings account and let inflation beat you down every year. And a new website, requires a new intro! Pages are still under construction and will be finalized during this month.

My initial website (solidcore.be) was mostly a domain I still had available from my own business in the past. As the blog was getting more traffic and attention, I thought it needed a more professional approach. I also took this chance to move over to WordPress as CMS – which gives me more options and flexibility than the previous one.

Anyhow, I’ll make a full post about the idea behind this website and the goal later this month. Stay tuned. But for now – let’s dive straight into the numbers.

Feb 2019Received interestAccount Value
Total€109,61€10.703,37
Mintos€9,58€1095,64
Bondora€2,39€544,75
Robocash€7,87€1070,10
Crowdestor€19,97€1614,97
Grupeer€14,35€1098,78
Envestio€55,45€3279,13
Neo Finance€0,00€1000
Kuetzal€0,00€1000

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Affiliate Links

Thank you for supporting my blog signing up through these referral links:
Investing with: Mintos
Investing with: Robocash
Investing with: Crowdestor
Investing with: Grupeer
Investing with: Envestio
Investing with: Neo Finance
​Investing with: Kuetzal
Investing with: Reinvest24

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