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.

Jan 2019Received interestAccount Value
Total€109,6110.743,37
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
Envestio55,45€3279,13
Neo Finance0,00€1040
Kuetzal0,00€1000

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Crowdlending Dec 2018

Peer to Peer Lending: Portfolio update Jan 2019

Hello fellow alternative investment seekers!

I can’t really grasp that January has ended already… Where did this month go? I have so many projects to finish this year, which most haven’t even started yet and now I only have 11 months left? Ah well, worries for another day. Today is reporting the interest returns day, much more fun than speaking about work!

So let’s dive right into it, January brought in EUR103,30, so still above the triple digits goal with the total account value jumping above EUR8.000. Please find the numbers below.

Jan 2019Received interestAccount Value
Total€103,308.093,74
Mintos€10,30€1086,06
Bondora€5,81€542,36
Robocash€3,36€1062,23
Crowdestor€15,00€1095
Grupeer€12,66€1084,43
Envestio56,17€3223,68

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Crowdlending Jan19

Peer to Peer Lending: Portfolio update Dec 2018

Hello fellow alternative investment seekers!

Thank you for joining in reading the blog again in the new year!

So let me start with wishing you all the best for 2019, a lot of financial wisdom and success and hopefully a great return on your investments.

Yesterday I was mostly with family & friends so I apologise for the delay in posting. Looking at the traffic to the blog, many were doing the same so I hope you all had a great holiday season.

Let’s start with the update to my current portfolio – where as mentioned last month the interest broke three digits! Really happy to start the new year with these monthly interest returns from now on being above EUR100! And of course by the compounding effect should go up even more – aside from future platforms/deposits.

Dec 2018Received interestAccount Value
Total€118,95€7990,44
Mintos€10,75€1075,74
Bondora€5,73€536,55
Robocash€7,75€1058,87
Crowdestor€15,00€1080
Grupeer€12,97€1071,77
Envestio€66,75€3167,51

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Investors Mindset

Peer to Peer Lending: Portfolio update Nov 2018

Hello fellow alternative investment seekers!

Yet another month has passed… You all know what that means; incoming money!
Well,… not really as most of the incoming interests are spread out over the month, but at least now I can report about the month of November to you all!

I must say I can get used to this, checking the Crowdlending platforms every few days and finding out I’m a few euro richer without having to do anything. I hope you all get excited by hearing this and get excited for the same goals. This is a world where normal people like us can help each other / local businesses / the planet in general. It’s not something our current banking system likes, but that system is built on “fake” money. At least this is based on real money, money from the people, and I think will be here for a long time to come. And as time goes by very quickly, so do those few euro’s which turn into solid returns.

Let’s dive into the numbers of this month!

Nov 2018Received interestAccount Value
Total€75,23€7871,49
Mintos€10,60€1064,99
Bondora€4,74€530,82
Robocash€12,53€1051,12
Crowdestor€15,00€1065
Grupeer€12,97€1058,80
Envestio€19,39€3100,76

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Crowdlending Review Oct18

Peer to Peer Lending: Portfolio update Oct 2018

Hello fellow alternative investment seekers!

And happy Halloween/All Saint’s Day/… for those that celebrate it.

Time really does fly and we are nearing the end of the year. As my initial goal was to invest up to EUR10000in different platforms and I think around year end I will be able to start investing again.

The idea is to maybe invest a bit more in Envestio, as this is currently outperforming the other platforms and add one or two more to keep diversifying the risks. I have 3 platforms in mind with around 15% returns. So more investigation in those will determine which to me feels the most comfortable choice.

I had hoped to do this a bit sooner, but then I had some unexpected investments to do on my apartment which I decided to take a bit further than initially planned and that set me back around EUR15000 for new windows, new roof and new boiler/heater.

But first off, please find the results of this month below:

Oct 2018Received interestAccount Value
Total€74,37€5796,26
Mintos€13,59€1054,39
Bondora€5,82€526,08
Robocash€7,30€1038,59
Crowdestor/€15,00€1050
Grupeer€12,81€1045,83
Envestio€19,85€1081,37

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Crowdlending Review Aug/Sept 2018

Peer to Peer Lending: Portfolio update Aug/Sept 2018

Hello fellow alternative investment seekers!

Let me first start with an apology as to why my last post was 1,5 months ago and explain the reason why this is a combined update of August & September after the overview of the current state of my platforms.
I started with €5500 in the second half of June 2018:

Aug/Sept 2018Received interestAccount Value
Total€160,42€5721,89
Mintos€25,51€1040,80
Bondora€13,68€520,26
Robocash€25€1031,29
Crowdestor€30,00€1035
Grupeer€25,25€1033,02
Envestio€40,98€1061,52
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Crowdlending Review July 2018

Peer to Peer Lending: Portfolio update July 2018

Peer to Peer Lending: Portfolio update July 2018

Hello, fellow alternative investment seekers!

If you are looking for a smarter way to invest, then this portfolio update of my first full month should get you at least a little bit excited.

During June 2018 I started with peer to peer lending with the first platform: Mintos. Eventually, it led to me investing a total of €5500 spread across 6 different platforms. Originally I was hoping to invest a little bit more at once, but some unforeseen costs have slowed down my investment strategy there.

However no worries, the goal I had initially planned by 2025 (more about this in the About page) is still achievable and I will try to add some more funds later on in maybe one or two more platforms.​

July 2018Received interestAccount Value
Total€60,30€5571,47
Mintos€12,65€1040,80
Bondora€6,61€520,26
Robocash€5,73€1031,29
Crowdestor€15,00€1035
Grupeer€7,77€1033,02
Envestio€13,54€1061,52
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How do you invest €5000? Results after 1 month

Review of portfolio after I started investing in p2p loans one month ago.

Hi all,

As always let me start by thanking you for being interested in investing smarter than on a normal savings account with the bank… Where only the bank makes a profit of and you actually go backwards against inflation.

Roughly one month ago I started my P2P Lending / Crowdfunding journey where it was clear from the start I wanted to diversify. I investigated a lot of the platforms and read up as much as I could. If you would like to take your first steps, just as I did, please do your own research and due diligence. I didn’t invest all at once, so only some have a result of the full month, some only from two weeks. But I’ll go more into detail below.

The first month is always a bit harder to base results on, as they are not always as transparent everywhere and might not give a very clear picture yet of future returns, but I’ll try to give detailed updates every month. For now my portfolio’s total is €5500.

  • Mintos: On €1000 currently at €7,63 interest after one month
  • Bondora: On €500 currently at €2,07 interest after one month
  • Robocash: On €1000 currently at €8,58 interest after one month
  • Crowdestor: On €1000 no interest yet, explained below
  • Grupeer: On €1000 currently at €1,89 interest after 2,5 weeks
  • Envestio: On €1000 currently at €7,25 interest after 2 weeks

Total€27,42 interest on the €5500 investment so far. Which I have to say is not a bad first step for some passive income. Time now to let this compound interest grow. I’ll update monthly, but don’t forget, this is just a small part of the whole post.

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