Monthly Update: December 2019

monthly updates
This month 450 € was added to my total return since I started my p2p journey in January 2019. This is by far the highest monthly return. This month I invested a total of 2.048 € in various projects and deposited a total of 1.250 € on various platforms. I also withdrew 350 € from Kuetzal due to some negative news on various blogs regarding the reliability of some projects and the platform itself.

December 2019

Welcome to the last monthly update of 2019.

First of all a happy, healthy and prosperous 2020 to all of you reading this blog .

This month 450 € was added to my total return since I started my p2p journey in January 2019. This is by far the highest monthly return. This month I invested a total of 2.048 € in various projects and deposited a total of 1.250 € on various platforms. I also withdrew 350 € from Kuetzal due to some negative news on various blogs regarding the reliability of some projects and the platform itself.

for more info on investments see my p2p journeys section

Check the charts below for my monthly progress, total income and total invested since the start of my p2p journey in January 2019

updated december 31, 2019
monthly
return
450 €
monthly
invested
2.048 €
total
invested
53.016 €
total
return
2.703 €

for more info on investments and progress see my p2p journeys section

bulkestate

Two projects were completed in December 2019 and the invested amounts plus return were deposited to my account.

I invested 100 € in one of their projects. Return for December 2019 was 19,55 €

for more info on investments and progress see my bulkestate journeys section

crowdestate

I invested 200 € in two of their projects. Not much to report on Crowdestate. The number of loans with issues are stable at the moment.

Return for December 2019 was 17.94 €

for more info on investments and progress see my crowdestate journey section

crowdestor

Many new projects on Crowdestor in December. I invested 300 € in three of them with interest rates above 18%. I try to spread my investments on many projects on this platform as they come with a higher risk.

Return for December 2019 was 6,06 €. Many project don’t have a monthly return schedule so the returns in this platform are lower on a monthly base.

for more info on investments and progress see my crowdestor journey section

crowdrealestate

Just one project for pre-registration. It might take a couple of weeks before the project becomes active. On average there is about one project every 8 weeks or so to invest in.

Return for December 2019 was 14,79 €

for more info on investments and progress see my crowdrealestate journey section

envestio

Many new projects on Envestio in December. I invested 400 € in four of them with interest rates above 19%. I try to spread my investments on many projects on this platform as they come with a higher risk.

Return for December 2019 was 48,11 € which makes it the highest monthly return so far

for more info on investments and progress see my envestio journey section

evoestate

Many new projects on EvoEstate in December. I invested 300 € in three of them, mostly their ‘skin in the game’ projects

Return for December 2019 was 5,48 € it takes a while before these real estate projects start seeing return. The next couple of months should see a higher return

for more info on investments and progress see my evoestate journeys section

fastinvest

With an average yearly return of 12.9% on the euro porfolio and 14.2% on the polish złoty portfolio I’m happy with the performance of this platform this year. Once in a while I have to invest manually as the platform does not have a auto-invest option on returns.

Return for December 2019 was 26,55€ for the euro en polish złoty portfolio combined.

for more info on investments and progress see my fastinvest journey section

Exchange Rate: EUR

grupeer

One of my favorite platforms with a steady average yearly return of 12.3% on the auto-invest mode

Return for December 2019 was 52,26 €

for more info on investments and progress see my grupeer journey section

housers

Invested 50 € in one of their projects. The last couple of months more and more projects are delayed. The good thing is that as an investor we can vote on the proposal made by a developer in a ‘Lenders Meeting’ for a new payment schedule. The bad thing is the number of “Lenders Meetings’ are rising. So far I received all the payments.

Return for December 2019 was 13,03

for more info on investments see my housers journey section

housers

kuetzal

Bad news on Kuetzal. It started with an e-mail stating that the CEO was replaced. Followed by an e-mail regarding a change in the tems-of-use (not in favor of the investors) and a blog post about a possible scam on a project called ‘Alborg Petrol’ and later on the platform itself. Many investors are selling their projects under the buy-back program (with a 10% cost margin) and leaving the platform. I did not make use of the buy-back program yet. I did request a transfer of money not invested just before Christmas. So far it hasn’t been deposited on my bank account. I might take some weeks due to the special circumstances.

I invested 200 € in one of their projects before the news came out. Return for December 2019 was 23,63 €

for more info on investments see my kuetzal journey section

lender & spender

For Lender & Spender I choose to pay out the redemption to my bank account instead of reinvesting. Although the returns are very stable and only a couple of loans are late, the return on this platform is to low for me (around 4.2% a yearly after costs) and the terms are to long (24 months)

Return for December 2019 was 1,94 €

for more info on investments and progress see my lenderspender journey section

mintos

My favorite platform so far due to the number of loan originators, the extensive auto-invest features and the reasonable interest rates, although they fluctuate month-by-month. The euro portfolio has a average yearly 12% return and the russian rubble has a average yearly 17.43% return.

Return for December 2019 was 120,68 € for the euro and russian ruble portfolio combined.

for more info on investments see my mintos journey section

Exchange Rate: EUR

monethera

Many new projects on Monethera in December. I invested 300 € on three of them with interest rates above 17%. I try to spread my investments on many projects on this platform as they come with a higher risk.

Return for December 2019 was 6,86 €

for more info on investments see my monethera journey section

peerberry

Another one of my favorite platforms with an average yearly return of 11.3%

Return for December 2019 was 21,45 €

for more info on investments see my peerberry journeys section

robocash

An e-mail just before Christmas stated that Robocash suspends investment into the loans of Robocash Finance Corp. The days after a lot of loans were returned with interest and so far no new loans have been bought. I hope he situation improves the nex tcouple of week

Return for December 2019 was 19,70

for more info on investments see my robocash journey section

swaper

Still going steady with an average yearly return of 10.6% which is on the lower end.

Return for December 2019 was 11,63 €

for more info on investments see my swaper journeys section

wisefund

One new project in December. The problems with their bank account are solved so ew deposits can be made.

I invested 100 €. Return for December 2019 was 8,40 €

for more info on investments see my wisefund journeys section

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