Welcome, MyCrowdlenders! Here comes May with rain, wind, but also with lots of sun and flowers everywhere, and it’s time for a new update of my crowdfunding and crowdlending portfolio. The results have been nothing but excellent. I have got a passive income of €324.73, WOW! It’s 50.94% more than what I received in March 2019. Thus, in April 2019 I’ve reached 64.94% of my first goal of €500 per month. Definitively I’ll push this first goal up very soon. I’m really satisfied!
The average annualized return for April has been 10.73% and the total invested amount is € 34,789.44, that is € 6,221.59 more than the previous month. Keep on reading to know all the details!
Crowdfunding and Crowdlending Portfolio: Month Overview
If we look at the summary evolution table, we can see the current stats of all the crowdfunding and crowdlending platforms in which I currently invest:
|Deposits||Total Return (*)||Interest||Final Value|
|Envestio||6.115,04 €||6.008,56 €||215,04 €||93,08 €||85,67 €||6.316,68 €||16,28%|
|Grupeer||4.500,00 €||4.658,88 €||- €||58,10 €||53,46 €||4.716,98 €||14,27%|
|ViaInvest||1.000,00 €||1.008,98 €||- €||19,48 €||9,48 €||1.028,46 €||14,23%|
|FastInvest||3.000,00 €||3.033,08 €||- €||34,03 €||34,03 €||3.067,11 €||12,10%|
|Mintos||2.000,00 €||1.584,65 €||500,00 €||15,22 €||15,22 €||2.099,86 €||11,76%|
|Kuetzal||2.084,13 €||1.007,54 €||1.084,13 €||15,87 €||15,87 €||2.107,54 €||11,02%|
|Swaper||1.100,00 €||1.158,37 €||- €||11,33 €||11,33 €||1.169,70 €||10,88%|
|Robocash||2.000,00 €||1.572,18 €||500,00 €||15,70 €||15,70 €||2.087,88 €||10,76%|
|PeerBerry||950,00 €||975,30 €||- €||9,14 €||9,14 €||984,44 €||10,16%|
|Crowdestor||6.135,72 €||4.616,30 €||1.535,72 €||42,03 €||42,03 €||6.194,05 €||6,68%|
|Crowdestate||2.500,00 €||493,00 €||2.010,00 €||5,12 €||5,12 €||2.508,12 €||5,40%|
|Lenndy||1.000,00 €||1.002,99 €||- €||5,63 €||5,63 €||1.008,62 €||5,36%|
|Reinvest24||1.500,00 €||1.123,30 €||376,70 €||- €||- €||1.500,00 €||N/A|
|TOTAL||33.884,89 €||28.243,12 €||6.221,59 €||324,73 €||302,68 €||34.789,44 €||10,73%|
Analysis of benefits
If March was a good month, April has been even better. Let’s order the summary evolution table by the extended internal rate (XIRR) obtained in the different platforms, from highest to lowest:
(*) Column Total Return adds up interests plus bonuses.
Once again Envestio hits the TOP 1, with an incredible 16.28% annual net return and a total of €93.08 profit. Grupeer maintains the second position, with 14.27% XIRR. The third position is for Viainvest, although the 14.23% XIRR obtained is kind of artificial because I’ve taken into account a refer-a-friend bonus of €10.
Down in the table, we find FastInvest, Mintos and Kuetzal, all of them performing above 11%, followed by the highly stable and yet very profitable Swapper, Robocash and PeerBerry, getting more than 10%. Next, we find two of my favorites platforms nowadays, Crowdestor and Crowdestate. They get quite modest XIRR just because I’ve added funds recently, and that makes XIRR decrease. But stay tuned because I’m completely sure we’ll find both platforms very high in the charts in the following months.
I keep on totally in love with Envestio. Payments always on time and very high returns. The only problem I’m facing now is its success: every time is more difficult to get to invest in a project because they get funded almost immediately. You have to be very alert not to lose the opportunity!
This month I’ve received €85.67 for interests and €7.41 for bonus span, making a total of €93.08.
Take a look at my account balance and the investments repayment schedule for the next month, May:
Finally, these are the projects I’ve invested in so far:
April has been an awesome month also for Grupeer, generating a total of €58.10 including interests (€53.46) and cashback (€4.64). Nothing bad to say about this platform: punctuality and interests above 13%. Just love it, and it’s a crucial component of my crowdlending portfolio!
This is my overview panel dated 30-04-2019:
The outstanding performance of Viainvest this month is due to €10 earned with the refer-a-friend program. Without taking this into account, the returned interest has been €8.46€. Not bad, but below the expected amount, because of late payments. According to my account balance, I’ve obtained a net annual return of 11.62%, but as I told you in my previews update, I don’t know how they calculate this number. Anyway, a good platform to diversify my investments!
Month by month, FastInvest is climbing positions not only in my performance charts but also in my heart (LOL). I really like the statistics section, where you can see the planned interests and the actual earnings. And guess what? So far they have always matched! They continue paying interests punctually, and once again not a single loan has been delayed. I’ve got €34.03 which makes an XIRR of 12.10%.
This is my FastInvest investment overview by 30/04/2019:
Mintos moves to the 5th position, obtaining €15.22 which makes an internal rate of return of 11.76%:
Recently some loan originators classified as C+ or B- I’ve been working with in the past months have increased their interest rate. So I expect better performance for Mintos in the near future and won’t be surprised if they return to the TOP3. My current weighted average interest rate is 13.43%. You can see as well that the majority of my loans an in ‘Current’ status, and late loans don’t even reach 20% of the total, which is a very good number.
These are the loan originators I’m working with. Quite diversified, don’t you think?
Finally, let me show you my Overview panel:
As a result of the improvement in performance I’m expecting for the following months, I’ve decided to increase my investments in this platform. I’ve already ordered a new deposit of €1,000.
April is the second month I’m receiving interests from Kuetzal, and punctuality continues. Payment schedules are being accomplished, and I’ve made a total of €15.87 and an XIRR of 11.02%. Considering this XIRR calculation has been penalized by a recent deposit of €1,007.54, it’s very plausible Kuetzal hits the TOP3 in May. This platform has come to my crowdlending portfolio to stay, that’s for sure.
So far I’ve made the following investments:
As you can see the interest rates offered are just impressive. This is my repayment schedule:
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Swaper keeps on doing very well in my crowdfunding and crowdlending portfolio, even though having a little cash drag sometimes. Nothing really bad. The accumulated XIRR since I began to invest is 10.88%. This month I’ve received €11.33, making the second best month since I began investing with them:
Take a look at my account statement by 30/04/2019:
Robocash represents the ideal passive income crowdlending platform. Easiness pushed to the next level. You have to do nothing to keep returns coming. Everything is fully automated, and no cash drag is ever experienced. This month I’ve made a new deposit of €500, and the invested €2,500 (and the reinvested accumulated interests) have generated €15.70, making an XIRR of 10,76%. It’s quite worse than the previous month, but notice the chart has a saw behavior, so I’m pretty sure the returns in May will fly above €20.
This is my summary panel by 30/04/2019:
PeerBerry keeps on offering a modest but steady performance, and that’s why it’s an excellent option to diversify my crowdlending portfolio! This month I’ve obtained €9.14, which makes an XIRR of 10.16%.
This is my account balance and summary by 30-04-2019:
After making €0 in March, Crowdestor is back and pays €42.03 making an XIRR of… 6.68%!? Really? Wasn’t it one of my favorite platforms within my crowdlending portfolio? Yep! It is, indeed. So, what’s happening? The explanation is I’ve made a new deposit of €1.535,72 recently, and XIRR calculation has been penalized. But the payments keep coming just as expected: no delays and no surprises.
Take a look at my Crowdestor overview panel and crowdfunding portfolio by 30/04/2019:
So far I’ve made 11 investments, in the following projects:
All these projects will pay interests in May, except the ‘Energy production plant project’ for which the next payment is scheduled for 20-08-2019, and ‘INCH²’, which will begin paying returns the next 05-06-0219. The ‘INCH²’ project is still open, and I think it’s a fabulous opportunity. I plan to invest more before it’s closed. If you want to invest too, consider registering using this referral link, to help me maintain the blog online.
I’ve received my first returns from Crowdestate (€5.12, hooray!). And after keeping its track for the last months, I’ve decided to give Crowdestate more weight in my crowdfunding and crowdlending portfolio, so I’ve deposited €2,010 more and been investing in more projects (7 so far):
The XIRR is only 5.40% because just one of the projects has paid interests in April.
Crowdestate offers a statistics panel for the investments, where you can see some of their characteristics very quickly. I find the ratings chart especially useful.
I have €908.12 free to invest, but since I want to diversify, I am waiting for more interesting projects to come.
For the moment the only thing I don’t like of this platform is you can only invest in blocks of €100. I hate it, indeed. It makes you always have cash drag because you can’t invest the returns you get (if they are less than €100, which is the most frequent situation), or to make a deposit every month to complete the €100 needed to make a new investment. Not a big deal, anyway.
Lenndy keeps on disappointing me also in April. Just 8 of the 44 active investments are not late or in grace period (which, by the way, must be a very long period). I’ve received €5.63, making a sad XIRR of only 5.63%. Disappointing, isn’t it? I will be withdrawing my money if things don’t get better soon, and Lenndy will leave my crowdlending portfolio.
My recommendation at this moment is to keep away from this platform because there are much better options to invest.
I’ve invested in my fourth property at Reinvest24:
Since I haven’t been paid any returns yet but only been charged commissions, I can’t evaluate the performance of this platform by the moment. As you can see in the screenshot above, I’ll get my first payout this May. I’ll tell you more thing then… stay tuned!