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:

PlatformInvestmentInitial Value
01/04/2019
DepositsTotal Return (*)InterestFinal Value
30/04/2019
XIRR
Envestio6.115,04 €6.008,56 €215,04 €93,08 €85,67 €6.316,68 €16,28%
Grupeer4.500,00 €4.658,88 €- €58,10 €53,46 €4.716,98 €14,27%
ViaInvest1.000,00 €1.008,98 €- €19,48 €9,48 €1.028,46 €14,23%
FastInvest3.000,00 €3.033,08 €- €34,03 €34,03 €3.067,11 €12,10%
Mintos2.000,00 €1.584,65 €500,00 €15,22 €15,22 €2.099,86 €11,76%
Kuetzal2.084,13 €1.007,54 €1.084,13 €15,87 €15,87 €2.107,54 €11,02%
Swaper1.100,00 €1.158,37 €- €11,33 €11,33 €1.169,70 €10,88%
Robocash2.000,00 €1.572,18 €500,00 €15,70 €15,70 €2.087,88 €10,76%
PeerBerry950,00 €975,30 €- €9,14 €9,14 €984,44 €10,16%
Crowdestor6.135,72 €4.616,30 €1.535,72 €42,03 €42,03 €6.194,05 €6,68%
Crowdestate2.500,00 €493,00 €2.010,00 €5,12 €5,12 €2.508,12 €5,40%
Lenndy1.000,00 €1.002,99 €- €5,63 €5,63 €1.008,62 €5,36%
Reinvest241.500,00 €1.123,30 €376,70 €- €- €1.500,00 €N/A
TOTAL33.884,89 €28.243,12 €6.221,59 €324,73 €302,68 €34.789,44 €10,73%

This month I’ve incremented positions in Envestio (€215.04 added), Mintos (€500), Kuetzal (€1,084.13), Robocash (€500), Crowdestor (€1,532.72), Crowdestate (€2,010) and Reinvest24 (€376.70).

Analysis of benefits

Accumulated Crowdlending and Crowdfunding Returns until April 2019
Accumulated Crowdlending and Crowdfunding Returns until April 2019

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:

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

(*) 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 FastInvestMintos 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.

Envestio

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!

Envestio Income by 30/04/2019
Envestio Income by 30/04/2019

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:

Envestio overview panel and repayment schedule by 30/04/2019
Envestio overview panel and repayment schedule by 30/04/2019

Finally, these are the projects I’ve invested in so far:

Envestio active projects by 30/04/2019
Envestio active projects by 30/04/2019

Grupeer

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!

Grupeer Income until April 2019
Grupeer Income until April 2019

This is my overview panel dated 30-04-2019:

Grupeer Account Balance by 30/04/2019
Grupeer Account Balance by 30/04/2019

You can read my complete Grupeer review here.

Viainvest

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!

Viainvest Account Balance by 30/04/2019
Viainvest Account Balance by 30/04/2019

FastInvest

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%.

FastInvest Statistics by 30/04/2019
FastInvest Statistics by 30/04/2019

This is my FastInvest investment overview by 30/04/2019:

FastInvest Investment Overview by 30/04/2019
FastInvest Investment Overview by 30/04/2019

Mintos

Mintos moves to the 5th position, obtaining €15.22 which makes an internal rate of return of 11.76%:

Mintos Income by 30/04/2019
Mintos Income by 30/04/2019

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.

Mintos Active Investments by 30/04/2019
Mintos Active Investments by 30/04/2019

These are the loan originators I’m working with. Quite diversified, don’t you think?

Mintos Loan Originators in my Investment Portfolio by 30/04/2019
Mintos Loan Originators in my Investment Portfolio by 30/04/2019

Finally, let me show you my Overview panel:

Mintos Overview Panel by 30/04/2019
Mintos Overview Panel by 30/04/2019

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.

You can read my complete Mintos review here.

Kuetzal

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:

Active Investments in Kuetzal by 30/04/2019
Active Investments in Kuetzal by 30/04/2019

As you can see the interest rates offered are just impressive. This is my repayment schedule:

Kuetzal Investment repayment schedule by 30/04/2019
Kuetzal Investment repayment schedule by 30/04/2019

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.

Swaper

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:

Swaper Income by 30/04/2019
Swaper Income by 30/04/2019

Take a look at my account statement by 30/04/2019:

Swaper April Account Statement
Swaper April Account Statement

Robocash

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.

Robocash Income by 30/04/2019
Robocash Income by 30/04/2019

This is my summary panel by 30/04/2019:

Robocash Summary Panel by 30/04/2019
Robocash Summary Panel by 30/04/2019

You can read my complete Robocash review here.

PeerBerry

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%.

PeerBerry Income by 30/04/0219
PeerBerry Income by 30/04/0219

This is my account balance and summary by 30-04-2019:

PeerBerry Account Balance by 30/04/2019
PeerBerry Account Balance by 30/04/2019
PeerBerry Account Statement by 30/04/2019
PeerBerry Account Statement by 30/04/2019

Crowdestor

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.

Crowdestor Income by 30/04/2019
Crowdestor Income by 30/04/2019

Take a look at my Crowdestor overview panel and crowdfunding portfolio by 30/04/2019:

Crowdestor Overview Panel by 30/04/2019
Crowdestor Overview Panel by 30/04/2019

So far I’ve made 11 investments, in the following projects:

Active Investments in Crowdestor by 30/04/2019
Active Investments in Crowdestor by 30/04/2019

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.

Crowdestate

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):

Active Investments in Crowdestate by 30/04/2019
Active Investments in Crowdestate by 30/04/2019

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.

 

Summary of investments in Crowdestate by 30/04/2019
Summary of investments in Crowdestate by 30/04/2019

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

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.

Lenndy Overview Panel by 30/04/2019
Lenndy Overview Panel by 30/04/2019
Lenndy account statement for April
Lenndy account statement for April

My recommendation at this moment is to keep away from this platform because there are much better options to invest.

Reinvest24

I’ve invested in my fourth property at Reinvest24:

Reinvest24 Overview Panel by 30/04/2019
Reinvest24 Overview Panel by 30/04/2019

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!

 

Until next month!

Thank you very much to have taken the time to read my crowdfunding and crowdlending portfolio update, dear visitor.  It takes quite a long time to prepare it, so knowing that you have reached to the end keeps me motivated to go on blogging my path to financial independence.
If you haven’t done it yet, why don’t you follow me on twitter?
Is there anything you want to ask or a particular platform you would like me to review? Don’t hesitate and write it down in the comments!
See you in my next update, MyCrowdlenders!

8 Responses

  • Enjoyed reading your portfolio, read it tall the way till the end 🙂

    Great update and nice numbers! I’m thinking about joining some more platforms as well.

    Kuetzal is a good one? I haven’t checked them out yet. Do they have some form of buyback guarantee?

    Keep up the good work!

    Greetz,
    Janneke

    • Hi Janneke (AKA Financially Independent Mom)! And thanks for reading! Kuetzal is a young company with a young Team. Other than this, my impressions are quite good. Some of their projects (not all) come with a buyback guarantee, in the following terms (from their website): “Investment buy-back is provided by the platform, not by the project owners. Along with them, we have a personal guarantee from project owners and in some projects collateral (mainly real estate).
      10% penalty is taken in case you are willing to cancel your investment before the end of the term.
      In the worst case scenario, if project announces default, Kuetzal guarantees to cover 100% of investment during the next 2 months after default is announced (for those projects that are supported with buy-back). This time will be used to initiate the legal process. 2 months is the maximum term, we expect to return funds in 1-2 weeks. In this case, there are no fees for investors. Again want to remind that this is the worst case scenario and it is very unlikely.”
      Personally, I have invested both in projects with and without buyback guarantee (smaller quantities in those without a buyback guarantee ).
      If you decide to invest, remember to introduce the code SPRING2019 to get €10 instantly.
      Regards!
      Carlos

  • You really have a LLLLOOOOONG portfolio!

    That must take a long time to put together.

    But I fully agree that it’s a good idea to diversify. The P2P market will have its turbulences at some point. It’s good to prepare for that. I haven’t been nearly as successful at that as you.

    Which platform that I’m missing would you suggest I get on to next? Crowdestate maybe?

    • Hi Eelis! Yessss, it takes me a long time to gather all the information and put it together. That is the bad side of diversification…

      If you are thinking of P2P, I’d suggest FastInvest, without any doubt. I’ve looked at your portfolio and you are not working with it. Using my affiliate link you will get a 10 € reward if you invest a minimum sum of 200 € during the first 30 days since registration.

      If you prefer Crowfunding, try Crowdestate (no reward for you here, sorry). If you want to risk more (since it’s a platform with less history) go for Kuetzal. Honestly, I’m happier with Kuetzal’s returns and overall way of work, but I feel safer with Crowdestate (it’s a well-known platform with longer trajectory). If registering in Kuetzal with my affiliate link, and introducing the promo code SPRING2019 (until 31.05.2019) you receive 10 € to your account instantly from Kuetzal.

      Thanks for passing by!

      • Thanks for the reply. Alright, I’ll look into those. I might prefer a long-history crowdfunding for the moment, but if the others are hands off as well, then I might go with those too.
        I’m trying to not overwhelm myself. Making monthly updates shouldn’t take a day for me, or I’m hoping it won’t.

  • In what active projects would you suggest to invest on Kuetzal? I have already invest on Impaya and Velox houses and I would like to make 2 more investments on this platforms but I’m not very sure of what to do with the infomation that they give of the companies…
    Thank you for your blog!! Everything is very well explained. Good luck with your investments! 🙂
    Raquel

    • Hi Raquel and thanks for reading!
      If I went to invest in two new projects on Kuetzal (actually, I plan to do it next week), I would choose Row-House in Marupe (Real State, 12 months at 21%) and Velox Row-House (Real State, 12 months at 19.5%). Both come with Investment buy-back by Kuetzal (These are the terms: “Investment buy-back is provided by the platform, not by the project owners. Along with them, we have a personal guarantee from project owners and in some projects collateral (mainly real estate).10% penalty is taken in case you are willing to cancel your investment before the end of the term. In the worst case scenario, if project announces default, Kuetzal guarantees to cover 100% of investment during the next 2 months after default is announced (for those projects that are supported with buy-back). This time will be used to initiate the legal process. 2 months is the maximum term, we expect to return funds in 1-2 weeks. In this case, there are no fees for investors. Again want to remind that this is the worst case scenario and it is very unlikely”).

      Given you have already invested in Velox houses, and in order to diversify, you can consider MegaGroshi – short term personal loans. It also comes with a buyback guarantee.
      Remember this shouldn’t be taken as advice to invest. I’m not a financial professional nor an expert investor.
      Good luck!

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