February 2020
Welcome to my monthly update.
While the stock markets and precious metals (strangely enough) had a very bad month this year, my p2p portfolio shows black numbers again. It will take a while before my total return will be on beak-even, but for the time being it looks a bit better every week.
This month I invested a lot in real estate projects within the Bulkestate, Crowdestate, Crowdrealestate, Estateguru, Evoestate and Housers platforms. In addition, an investment in Lender & Spender despite the low but relatively safe return.
At the moment my investments are spread over 18 platforms with different types of loans, p2p, p2b and real estate. I try to spread over as many objects as possible within the platforms. I am going to rearrange my portfolio a bit in the near future and look for two new reliable platforms. More on that in the coming time.
Monthly return for February 2020 was 378 €. Total result is –2.541 €
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. I also updated the P2P results page
updated february 29, 2020
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bulkestate
Two projects were completed in February 2020 and the invested amounts plus profit were deposited to my account. Invested in three new projects with an interest rate of 11-14%.
Return for February 2020 was 40,42 €, the highest monthly revenue since I started my Bulkestate journey in January 2019.
for more info on investments and progress see my bulkestate journeys section
crowdestate
Sold three project with a profit. Invested in two new project with an interest rate of between 11-13.5%. The number of loans with issues are stable at the moment.
Return for Fanuary 2020 was 26.85 €, the highest monthly revenue since I started my Crowdestate journey in January 2019. This was mainly due to the profits made from selling the project early.
for more info on investments and progress see my crowdestate journey section
crowdestor
No new investments on Crowdestor. With regard to P2B projects, I look at how the market is developing after the events last month with Kuetzal and Envestio.
Return for February 2020 was 1,25 €. Many project don’t have a monthly return schedule so the returns in this platform are lower on a monthly base. I expect revenue to pick up from the second quarter of 2020.
for more info on investments and progress see my crowdestor journey section
crowdrealestate
Invested in two new projects with an interest rate of 5-6.5% . Compared to other platforms, this is low, but on the other hand, they are projects with first or second mortgage rights within a solid real estate market in Germany and the Netherlands. The next couple of months I will increase my stake in Crowdrealestate as the platform is supervised by the Dutch Financial Markets Authority
Return for February 2020 was 16,40 €
for more info on investments and progress see my crowdrealestate journey section
estateguru
One project finished in February 2020 and received the invested amount plus interest. Invested in twenty-two new projects with interest rates of 10-11% spread over three countries.
Return for February 2020 was 5,64 € . 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 estateguru journey section
evoestate
One project was cancelled and received the invest amount plus a small bonus. Sold a share of another project because the share in this project was too high. Invested in five new projects with interest rates of 5-16%, mostly their ‘skin in the game’ projects.
Return for February 2020 was 7,46 €. 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
Sold a small portion of active loans. Costs are charged for prematurely ending an investment, namely the accrued interest so far. That is why the graphs show a loss. The platform and return are stable. The money was deposited into my account within a few days, so no complaints here.
Return for February 2020 was -6.50€ for the euro en polish złoty portfolio combined.
for more info on investments and progress see my fastinvest journey section
Exchange Rate EUR: Tue, 18 Mar.
grupeer
One of my favorite platforms with a steady average yearly return of 12.4% on the auto-invest mode
Return for February 2020 was 51,41 € a little bit lower than last month.
for more info on investments and progress see my grupeer journey section
housers
Two project finished in the last week of February. Invested in two new project with interest rates of 8.75-9%. After a finished project you will profit from 2% cashback when investing the same amount again. 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 February 2020 was 19,17 € (this is after tax and the housers fee). These extra costs take a big chunk out of the profits. I will try to deduct tax within my own country.
for more info on investments see my housers journey section
lender & spender
Invested 1.500 € this month. For Lender & Spender I choose to pay out the redemption to my bank account instead of reinvesting. As this platform is also supervised by the Dutch Financial Markets Authority I will probably increase my investments the next couple of months despite the lower returns (4.1%)
Return for February 2020 was 4,64 €
for more info on investments and progress see my lenderspender journey section
lenndy
Yearly return rate on this platform is rising (now 12.1%) I probably deposit some more to this platform in 2020. It takes a while before the money is invested though.
Return for February 2020 was 4,98 €
for more info on investments see my lenndy journeys 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 12.1% return and is rising. The russian rubble has a average yearly 17.4% return a little bit lower compared to last month.
Return for February 2020 was 130,09 € for the euro and russian ruble portfolio combined.
for more info on investments see my mintos journey section
Exchange Rate EUR: Tue, 18 Mar.
monethera
No new investments on Monethera. With regard to P2B projects, I look at how the market is developing after the events last month with Kuetzal and Envestio. Since the Kuetzal and Envestio situation they closed their early buyback temporary .
Return for Febraury 2020 was 16.13 €, the highest so far since I stared my Monethera journey in October 2019.
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 February 2020 was 24,45 €, the highest so far since I stared my Peerberry journey in January 2019
for more info on investments see my peerberry journeys section
reinvest24
Again no new project this month.
Return for February 2020 was 2,78 €. 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 see my reinvest24 journey section
robocash
The situation around a shortage of new loans has improved in February. The interest rates have dropped a little.
Return for Febrauary 2020 was 8.78 €
for more info on investments see my robocash journey section
swaper
Still going steady with a rising average yearly return of 11.5% .
Return for February 2020 was 12,76€
for more info on investments see my swaper journeys section
wisefund
Withdrew 124 €. The money was deposited within a few days. With regard to P2B projects, I look at how the market is developing after the events last month with Kuetzal and Envestio. As with Monethera they also temporay stopped their early buyback due to the Kuetzal and Envestio events and the panic that created on the p2p markets.
Return for Febraury 2020 was 9,32 €, the highest so far since I stared my Wisefund journey in October 2019.
for more info on investments see my wisefund journeys section
