Welcome, MyCrowdlenders!

And here we are! Finally, the summer has arrived in Barcelona with asphyxiating temperatures and spectacular sun 🌞. Luckily we have a fabulous beach 🏖️🌊 to cool off while passive income continues to grow. June has been a record milestone in my crowdlending and crowdfunding profits: my passive income has been €491.30, which represents an increase of 25.71% compared to May 2019. Thus, in June 2019 I’ve reached 98.26% of my first goal of €500 per month.

Yep! You’re right. This month is the last one I’ll be using this progress bar on my home page 😃:

June Progress Bar
First Goal €500/month

From now I’ll be aiming a doubled goal: € 1,000/month!

The average annualized return for June has been 11.94% and the current invested amount is €44,384.13. Let’s dive into the details.

Crowdfunding and Crowdlending Portfolio: Month Overview

These are the current summarized stats of all my investments in crowdlending and crowdfunding  platforms:

PlatformInvestmentInitial Value
01/06/2019
DepositsTotal Return (*)InterestFinal Value
30/06/2019
XIRR 
Envestio     7.000,00 €        7.292,79 € - €108,86 €108,86 €7.401,65 €17,12%
Kuetzal     2.884,13 €        2.941,63 € - €44,87 €44,87 €2.986,50 €16,58%
Grupeer     5.500,00 €        5.777,24 € - €60,16 €60,16 €5.837,40 €13,96%
FastInvest     3.000,00 €        3.101,31 € - €34,07 €34,07 €3.135,38 €13,01%
ViaInvest     1.000,00 €        1.037,89 € - €8,34 €8,34 €1.046,23 €12,70%
Mintos     3.000,00 €        3.122,90 € - €31,99 €31,99 €3.154,89 €11,66%
Robocash     2.000,00 €        2.111,03 € - €20,00 €20,00 €2.131,03 €11,39%
PeerBerry        950,00 €           994,24 € - €10,28 €10,28 €1.004,52 €10,99%
Lenndy     1.000,00 €        1.022,84 € - €10,01 €10,01 €1.032,85 €10,24%
Crowdestate     2.500,00 €        2.533,97 € - €21,59 €21,59 €2.555,56 €10,08%
Crowdestor     9.000,00 €        8.595,42 € 513,30 €102,30 €102,30 €9.211,02 €9,75%
Swaper     5.100,00 €        5.183,26 € - €36,24 €36,24 €5.219,50 €9,02%
Reinvest24     1.450,00 €        1.435,40 € - €2,59 €2,59 €1.437,99 €-2,42%
TOTAL  44.384,13 €    45.149,92 € 513,30 €491,30 €491,30 €46.154,52 €11,94%

This month I’ve only increased positions in Crowdestor (€ 513.3).

Analysis of benefits

Portfolio Update: A breathtaking June 2019 1
Accumulated Crowdlending and Crowdfunding Returns until June 2019

Summer has brought to June awesome benefits. Ordering the summary evolution table by the extended internal rate (XIRR) obtained in the different platforms from highest to lowest we get:

Table - Crowdlending and Crowdfunding returns obtained in June 2019
Table – Crowdlending and Crowdfunding returns obtained in June 2019

(*) Column Total Return adds up interests plus bonuses.

For the second month in a row, the TOP 3 is integrated by Envestio (17.12% annual net return and a total of €108.86 profit), Kuetzal (with an XIRR of 16.58%) and  Grupeer (13.96% XIRR). Beautiful numbers, don’t you think?

Envestio

Lights and shadows this month with Envestio. For current investments, payments keep coming on time and the returns have been higher than ever: the XIRR has boosted to 17,12%. But, on the other hand, not a single new investment opportunity has been published in June. The result? Currently, I have € 123.20 cash drag in the platform: free money I can’t invest 🤦🏻‍♂️. After all, this month I’ve received a total of €108.86. Yeah!

Envestio income until June 2019Envestio income until June 2019

This is my current account balance and my investments’ repayment schedule for the first days of July:

Portfolio Update: A breathtaking June 2019 2
Envestio Overview Panel by 30/06/2019

Finally, this is the complete list of projects I have invested in so far:

Active Investments in Envestio by 30/06/2019
Active Investments in Envestio by 30/06/2019

Kuetzal

A gorgeous month for Kuetzal as well. This young platform keeps payments punctual and returns high. This month I’ve made a total €44.87 and an XIRR of 16.58% (2 points higher than the previous month).

Kuetzal Income until June 2019
Kuetzal Income until June 2019

Below you can find my current investments in this platform:

Active investments in Kuetzal by 30/06/2019
Active investments in Kuetzal by 30/06/2019

As you can see, the interest rates offered are just breathtaking. If you want to invest, consider registering using this link, and you will earn an additional 0.5% of all your investments made within 180 days.

Grupeer

The 3rd position is, once more, for one of my favorite platforms: Grupeer. I’ve received €60.16 this month, which makes an XIRR of 13.96%. Only good things can be said about this platform: punctuality in payments, interests above 13%, and very detailed information and reports.

Grupeer Income until June 2019
Grupeer Income until June 2019

Here you can see my overview panel dated 30-06-2019:

Grupeer Overview Panel by 30/06/2019
Grupeer Overview Panel by 30/06/2019

You can read my complete Grupeer review here.

FastInvest

FastInvest climbs one step this month to take fourth place. Once again this platform outstands by its stability. The received interests have matched to the cent the ones predicted in the statistics section. Not a single delay in payments, a total of €34,07 returned, and an XIRR of 13.01% this month. Simple and very profitable!

FastInvest income until June 2019
FastInvest income until June 2019

And here you can take a look at my FastInvest statistics panel by 30/06/2019:

FastIvest Statistics Panel by 30/06/2019
FastInvest Statistics Panel by 30/06/2019

Viainvest

Viainvest descends to the 5th position, with an XIRR of 12.70% and €8.34 returned. I’m quite satisfied with this platform, which has revealed very useful to diversify my investments.

Viainvest income until June 2019
Viainvest income until June 2019

This is my account balance by 30/06/2019:

Viainvest Account Balance by 30/06/2019
Viainvest Account Balance by 30/06/2019

Mintos

Mintos keeps the 6th position, returning €31.99 which makes an internal rate of return of 11.66%, slightly above the number obtained the last month. Because of the extra €1,000 I deposited in the platform in May, there has been a correlated increment in the returns (I got €23,03 in May).

Mintos income until June 2019
Mintos income until June 2019

According to the platform, my current weighted average interest rate is 14.74% (0.30% more than the previous month):

My Mintos Loan Interest and Duration Summary by 30/06/2019
My Mintos Loan Interest and Duration Summary by 30/06/2019

I try to keep my portfolio as much diversified as possible, purchasing loans from a lot of different loan originators (all rated C+ and above, and making sure they pay interests for the delayed days).

My Mintos Loan Originator Distribution by 30/06/2019
My Mintos Loan Originator Distribution by 30/06/2019

Finally, take a look at my Overview panel:

Mintos Overview Panel by 30/06/2019
Mintos Overview Panel by 30/06/2019

You can read my complete Mintos review here.

Robocash

No surprises with Robocash. Maybe, it’s the easiest and most automatized platform in the market. If you want to begin investing in crowdlending and do not want to spend any time managing or controlling your investment, then go for Robocash. Everything in this platform is fully automated, and no cash drag is ever experienced. This month my passive income coming from this platform has been €20, making an XIRR of 11.30%. Not bad at all!

Robocash Income until June 2019
Robocash Income until June 2019

And this is my summary panel by 30/06/2019:

Robocash Summary Panel by 30/06/2019
Robocash Summary Panel by 30/06/2019

Please read my complete Robocash review here.

PeerBerry

PeerBerry makes an excellent choice to diversify any crowdlending portfolio. High and steady performance with no surprises. This month I’ve obtained €10.28, which represents an XIRR of 10.99%.

PeerBerry Income until June 2019
PeerBerry Income until June 2019

Below you can see my overview panel and account summary by 30/06/2019:

PeerBerry Overview Panel by 30/06/2019
PeerBerry Overview Panel by 30/06/2019

Lenndy

Lenndy has had an acceptable performance this month. I’ve received €10.01, and the XIRR has risen to 10.24%. Most of the loans have ended up being repurchased (i.e. borrowers are late and don’t respect the schedule). But the numbers are good, so finally Lenndy has won his definitive place in my crowdlending portfolio.

Lenndy Income by 30/06/2019
Lenndy Income by 30/06/2019

Portfolio Update: A breathtaking June 2019 3

Lenndy Overview Panel by 30/06/2019

Lenndy June 2019 Income Statement Summary
Lenndy June 2019 Income Statement Summary

My recommendation at this point, nevertheless, is to choose other platforms to invest: there are much better options out there.

Crowdestate

June has been a good month for Crowdestate, even though the new investment opportunities offered by the platform came with quite low return rates. I’ve received a total of €21.59, and the XIRR has gone up to 10.08%.

Crowdestate Income until June 2019
Crowdestate Income until June 2019

This month I’ve been purchasing some loans and then selling them in the secondary market. I love this Crowdestate feature! Take a look at my ended investments (ant the XIRR obtained!):

Ended Investments in Crowdestate by 30/06/2019
Ended Investments in Crowdestate by 30/06/2019

And these are my active investments by 30/06/2019:

Portfolio Update: A breathtaking June 2019 4
Active Investments in Crowdestate by 30/06/2019

Crowdestor

In June Crowdestor has paid €102.30, and the XIRR has gone up to 9.75% (it was 7.41% in May). Although it’s one of the platforms which offers higher returns, some of the projects I’ve invested in don’t pay interests for the first months, and thus the global interest rate is lower in the beginning. Anyway,  Crowdestor is right now my favorite crowdfunding platform. It brings punctual payments and lots of new projects every month to invest in.

Crowdestor Income until June 2019
Crowdestor Income until June 2019

Take a look at my Crowdestor overview panel by 30/06/2019:

Crowdestor Overview Panel by 30_06_2019
Crowdestor Overview Panel by 30_06_2019

Currently, Crowdestor is the platform in which I’ve made the highest inversion (€9.000). I’ve invested in 14 different projects so far (notice that I’ve made more than an investment in some projects):

Active Investments in Crowdestor by 30/06/2019
Active Investments in Crowdestor by 30/06/2019

If you decide to invest in  Crowdestor, consider registering using this referral link, to help me maintain the blog online.

Swaper

In June Swaper sunk again to the end of the table in terms of XIRR: just 9.02% (it was 9.03% in May). However, June has been the best month ever since I invest with Swaper: I’ve received €36.24!

Portfolio Update: A breathtaking June 2019 5
Swaper Income until June 2019

As I told you in my last portfolio update, in May I deposited €4,000 more in order to exceed the €5,000 threshold and benefit from an additional 2% return for loyalty. This month you can see the results in terms of return, but the XIRR is still penalized. I’m looking forward to seeing the whole interest rate rise to 14% instead of the current 12% in August!

This is my Swaper June income statement:

Swaper June 2019 Income Statement
Swaper June 2019 Income Statement

And below you have the overview panel by 30/06/2019:

Swaper Overview Panel by 30/06/2019
Swaper Overview Panel by 30/06/2019

Reinvest24

No changes in my Reinvest24 portfolio this month either. I’ve invested in just four properties so far, and only one of them has paid interests until now:

Reinvest24 Overview Panel by 30/06/2019
Reinvest24 Overview Panel by 30/06/2019

In July a new property will make its first payout. As I told you in my last update, I am not really happy with this platform. The commissions charged and the poor website quality (it doesn’t offer any tool to view the transaction history or the future payments schedule) prevents me from making new investments. For the first time, in this update, I’ve decided to include Reinvest24 in the Crowdlending and Crowdfunding returns table. Its XIRR is -2.42% due to the commissions! I know it will go really up in the next months, but it’s quite sad to see these poor numbers… 😭😭😭 Fortunately, the overall XIRR of all my investments in crowdlending and crowdfunding this June has been 11.94%, which is for sure a beautiful number!🤑🤑🤑

Until next month!

Thank you for having reached the end of my crowdfunding and crowdlending portfolio update, dear visitor. I really hope you have found it interesting!

If you haven’t done it yet, why don’t you follow me on twitter?

If you have any question or want to make a suggestion for a new platform to review, don’t hesitate and write it down in the comments!

See you in my next update, MyCrowdlenders!

2 Responses

  • Very nice work! It’s amazing how little you need to make a decent passive income.
    How much do you have to pay taxes for that amount of money?

    – Nordic Fire

    • Hi Nordic fire!
      Thanks for your comment.
      In Spain, this kind of earnings is classified in the same group as savings interests or stock dividends. They are taxed at 19% for the first € 6,000; 21% for the range of € 6,000 to € 50,000 and 23% for larger quantities.
      Regards!

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