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
(more…)

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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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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