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P2P Lending P2P Portfolio

P2P Lending Portfolio – March 2020

Here is the composition of my portfolio as per February 2020

Bondora Go&Grow€ 4.125,00
Bondora Portfolio€ 2.370,00
Crowdestor€ 4.200,00
Grupeer€ 28.023,00
Mintos invest&access€ 4.567,00
Mintos invest€ 36.512,00
Iuvo Group€ 3.805,00
Bondster€ 5.089,00
DoFinance€ 2.000,00
Evoestate€ 1.008,00
Swaper€ 0,00
Via Invest€ 4.582,00
Estateguru€ 4.013,00
Lendahand€ 300,00
 € 100.594,00

I have reached the 100k EUR that is my target for this year

The total gain was 816 EUR, so approximately an 8% on the total money invested. Percentage that is increasing from the 6.1% of last months. This is mainly due to the fact that some investments are quite new and have not yet started to earn money

Total invested per month

Total income per month

P2P platform evaluating system

I have slowed down the update in the evaluating system for the P2P platform due to COVID-19 crisis. I am using most of my “free” time to get updated in special for the investments in the stock exchange.

If you want to know more about my evaluating system for the P2P platform. You can find it here .

My new investment policy for P2P

In this crisis period, I have decided to stop investing in long terms. I am switching all the investments in up to 30 days except for real estate where I will not invest for more than 12 months.

The reason for this switch is due to the big money that the European Community is going to put into the market. It can create inflation, so interest rates can increase. If I will have long term investment with a lower interest rate I could lose opportunities.

Moreover it allows me to stop investment if a fell something strange in a platform and do not have to wait long time to have my investment finish. An example is Grupeer. In March on the web started some voices that the platform has some critical issues and I could not close my investments due to lack of secondary market. Now I am at big risk to lose big money.

After the default of Kuetzal and Envestio, now also Monethera and Grupeer are at big risk. Checking my evaluation system I have found some common patterns. They all have a small capital shares. That’s why I am trying to close all the positions in the platform with small capital shares

What’s going on in each P2P platform

bondoroa

Slowly I’m closing the position in the Bondora portfolio and moving everything to Go & Grow. Go & Grow allows me to collect the money whenever I want, while in the Bondora Portfolio is difficult to close all the positions in case of need. I am ok in getting less interest using the Go & Grow system, but with more flexibility. Over 2400 € in the Bondora Portfolio I could manage to switch to Go & Grow only 75€

I had difficulties to get all the 5000€ invested, so I decided to withdraw 1000€. The autoinvest now is settled only for investments up to 30 days.

Crowdestor

I am no more confident with this P2P platform. Somebody is attracted by the high interest they are proposing. I am scared of these higher interest. Normally higher interest means more risk investments. I have closed all the investments and waiting they are paid back. I am really afraid about CROWDESTOR.

DoFinance logo

It was not possible to settle the autoinvest for investments up to 30 days, so I have closed my investments in this platform. They will release the money only on June 2020. I need to wait to get my money back

I am increasing my investment on this platform. Adding 3000€, that is +300%. I am investing only in new project with less than 60% LTV and max 12 months period.

I have stopped investing in Grupeer. Somebody claim that this platform is a scam. I am monitoring the situation and ready to take legal action in case something wrong happened. The money I have tried to withdraw on March 21st and March 28th has never been paid back. That a very bad warning.

iuvo group

From this month I have settled the autoinvest to take only 30 days long investments for some top Loan Originator. It’s important to reduce the risk.

I am trying to close all the positions in Invest & Access, but due to a lot of people trying to sell on the secondary market, it’s impossible to cash it out. I do not suggest anybody to invest in Mintos Invest & Access, but only using their autoinvest feature.

I the autoinvesting I am now investing only in max 30 days loans from the top Loan Originator. The interest rate is lower, but I feel safer.
I am not investing in P2P for huge speculation.

I have withdrawn all my money from Swaper.

I have doubled by investments in this platform. Only investments up to 30 days

Categories
P2P Lending P2P Portfolio

P2P Lending Portfolio – February 2020

Here is the composition of my portfolio as per February 2020

Bondora Go&Grow€ 4.026,00
Bondora Portfolio€ 2.417,00
Crowdestor€ 4.254,00
Grupeer€ 28.086,00
Mintos invest&access€ 5.423,00
Mintos invest€ 35.205,00
Iuvo Group€ 4.059,00
Bondster€ 5.050,00
DoFinance€ 2.022,00
Evoestate€ 1.005,00
Swaper€ 2.569,00
Via Invest€ 2.021,00
Total€ 96.137,00

The total gain for February has been 586 EUR.

Total value invested per Months

Total income per Months.

I am in the process of creating an evaluating system for the P2P platform. You can find update here .

bondoroa

Slowly I’m closing the position in the portfolio and moving everything to Go & Grow

I am having difficulties in getting all the 5000€ invested. Again is my strict investment policy. I am not investing in everything that is moving around the platform. Still 1000€ need to be invested.

Crowdestor

I am no more confident with this P2P platform. I have closed all the investments and waiting they are paid back. I feel to be too much exposed to CROWDESTOR.

This month I have introduced a new P2P platform, Estateguru.
and I am testing it. I am trying to find a way to evaluate the investments, but if I am checking all the parameters I get scared to invest in most of the projects. That’s why I am moving slowly on this interesting platform.

I have stopped investing in Grupeer. It’s a good platform. I think I am overexposed to Grupeer. I will reduce my total investment in the next months.

iuvo group

Little by little I am increasing the position on this platform. I have difficult to get investment due to my strict investment policy. I am getting more confidence in Iuvo-group

I am no more confident with this P2P platform. Fortunately they are all short investments at 30 days. I am reducing from 5000 to 1000€ my investments in this platform.

Very satisfied at present with this platform. I will invest more next month.

Categories
P2P Lending P2P Portfolio

P2P Lending Portfolio January 2020

Here is the composition of my portfolio as per January 2020

In Envestio I had invested 2000€ before they disappeared (got bankrupt?)

P2P Lending in EURJanuary 2020
Bondora Go&Grow€ 3.919
Bondora Portfolio€ 2.465
Crowdestor€ 4.216
Envestio(was € 2000)
Grupeer€ 28.114
Mintos invest&access€ 5.392
Mintos invest€ 35.126
Iuvo Group€ 3.045
Bondster€ 5.000
DoFinance€ 2.006
Evoestate€ 1.003
Swaper€ 5.100
Via Invest€ 2.010
€ 97.396

Total value invested per Months

Total income per Months.
In January 2020 total income is minus due to Envestio bankrupcy. I have put all the money invested in Envestio as a loss.