Welcome, MyCrowdlenders!

It’s summertime 🏖️, everybody is enjoying their holidays 🌊 at the beach 🏝️ or doing some sport 🚵‍♀️ 🏄‍♀️, or maybe traveling the world 🌍✈️. So nobody is at work, and my passive income, well… my passive income has been coming this July as well! 💶 And it’s greater than ever before 📈. My crowdlending and crowdfunding returns have been €517.34, which represents an increase of 5.30% compared to June 2019. Therefore, in July 2019 I’ve reached 51.73% of my second goal: €1,000 from passive income per month.

The average annualized return for July has been 12.30% (the second highest so far) and the current invested amount is €46,469.58. Let’s go with all the facts and figures!

Crowdfunding and Crowdlending Portfolio: Month Overview

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

PlatformInvestmentInitial Value
01/07/2019
DepositsTotal Return (*)Final Value
31/07/2019
XIRR
Kuetzal4.500,00 €2.986,50 €1.615,87 €65,37 €4.667,74 €17,92%
Envestio6.000,00 €7.401,65 €-1.000,00 €100,39 €6.502,04 €17,15%
Grupeer5.500,00 €5.837,40 €- €69,81 €5.907,21 €14,12%
FastInvest2.669,58 €3.135,38 €-330,42 €34,15 €2.839,11 €13,14%
ViaInvest1.000,00 €1.046,23 €- €10,19 €1.056,42 €12,59%
Mintos4.000,00 €3.154,89 €1.000,00 €36,26 €4.191,15 €11,53%
Robocash2.000,00 €2.131,03 €- €19,44 €2.150,47 €11,38%
PeerBerry950,00 €1.004,52 €- €9,46 €1.013,98 €11,09%
Crowdestor9.800,00 €9.211,02 €800,00 €97,81 €10.108,83 €10,52%
Lenndy1.000,00 €1.032,85 €- €7,00 €1.039,85 €9,84%
Swaper5.100,00 €5.219,50 €- €50,37 €5.269,87 €9,71%
Crowdestate2.500,00 €2.555,56 €- €12,67 €2.568,23 €8,96%
Reinvest241.450,00 €1.437,99 €- €4,42 €1.442,41 €-1,23%
TOTAL46.469,58 €46.154,52 €2.085,45 €517,34 €48.757,31 €12,30%

This month I’ve reduced positions in Envestio (- €1,000) and FastInvest (- €330.42) and made new deposits to Kuetzal ( €1,615.87 ), Mintos (€1,000) and  Crowdestor (€800). I’ll explain this decision later in the analysis of every platform.

Analysis of benefits

Accumulated Crowdlending and Crowdfunding Returns until July 2019
Accumulated Crowdlending and Crowdfunding Returns until July 2019

Accumulated Crowdlending and Crowdfunding Returns until July 2019 with platform contribution detail

Accumulated Crowdlending and Crowdfunding Returns until July 2019 with platform contribution detail

My Crowdlending and Crowdfunding passive income keep growing month by month. Let me 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 July 2019
Table – Crowdlending and Crowdfunding returns obtained in July 2019

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

The TOP 3 is integrated by the same platforms for the third month in a row, but there has been a variation in the order.  Kuetzal (with an awesome XIRR of 17.92% and €65.37 returned) jumps to the first position and becomes the leader in July. The second position is for Envestio (17.15% annual net return and a total of €100.39 profit). And the immutable Grupeer (14.12% XIRR) maintains the third position.

Kuetzal

As I had predicted, Kuetzal has finally conquered the TOP 1 position. The young platform keeps on delivering high returns and punctual payments. In July the XIRR has increased to 17.92% and €65.37 have been returned.

Kuetzal Income until July 2019
Kuetzal Income until July 2019

This is my overview panel as of 31/07/2019:

Kuetzal Summary Panel as of 31/07/2019
Kuetzal Summary Panel as of 31/07/2019

And these are the last projects I’ve invested in:

Last Investments I've made in Kuetzal
Last Investments I’ve made in Kuetzal

In order to benefit from the current summer cashback campaign I made a new €1,615.87 deposit and invested €1,664.59 in this project, which is already fully funded:  

Kuetzal's High-end Row-House in Marupe Project
Kuetzal’s High-end Row-House in Marupe Project

I got an instant 1% cashback, so €16.65 were deposited in my account 😎. Thank you Kuetzal!

In case you want to benefit from the cashback offer too, here you have the details:

Kuetzal's Cashback Marathon
Kuetzal’s Cashback Marathon
  • CASHBACKMARATHON is available ONLY during this summer (1.06.2019-31.08.2019)
  • Cashback is applied only to single investments in a project ( not a sum of several investments in different projects ).
  • The number of investments that are granted with cashback is unlimited. Each investment over €1,000 during cashback promo period is granted with cashback.
  • Cash-back calculation and how much investors can earn:
    • Investment from €1,000 to €4,999 — 1% cashback.
    • €5,000 to €9,999 — 1.5%
    • €10,000 to €24,999 — 2%
    • €25,000 to €49,999 — 2.5%
    • €50,000 and more — 3%

This campaign is really appealing and right now there are some great projects open for investment:

Two interesting Kuetzal projects still open to invest
Two interesting Kuetzal projects still open to invest

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.

Envestio

My ongoing investments in Envestio produce punctual and steady payments with the highest returns ever: the XIRR in July is 17,12%! But the drought of new projects continues and just 2 new projects have been published in July. Well, indeed it’s 2 rounds of the same project. What’s more, one of the projects in which I had €1,000 invested has successfully finished, so to avoid the almost sure cash drag I’ve withdrawn these €1,000 to invest in another platform, and I’ve invested the €100.39 obtained this month in these 2 new Envestio projects. 

I’d never withdrawn money from Envestio before. I must say it’s very easy and quite fast: it took just 3 days to get to my bank account.

Envestio income until July 2019
Envestio income until July 2019

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

Envestio Overview Panel as of 31/07/2019
Envestio Overview Panel as of 31/07/2019

Grupeer

The 3rd position is, once more, for one of my favorite platforms: Grupeer. I’ve received €69.81 this month, which makes an XIRR of 14.12%, slightly higher than the obtained in June.  After one year of investing in this platform, I have only good things to say: payments are punctual, interests are above 13%, and their website offers very detailed information and reports.

Grupeer Income until July 2019
Grupeer Income until July 2019

Here you can see my overview panel as of 31/07/2019:

Grupeer Overview Panel as of 31/07/2019
Grupeer Overview Panel as of 31/07/2019

You can read my complete Grupeer review here.

FastInvest

FastInvest repeats in fourth place. In July it has made an XIRR of 13.14% and returned €34,15

FastInvest Income until July 2019
FastInvest Income until July 2019

After using this platform for 7 months, I must say it’s been always stable and punctual in payments, and the received interests have matched to the cent the ones predicted in the statistics section. Besides, it’s website is the best by far of all the platforms I invest in: it’s friendly, complete, and very easy to use. However, I’ve been reading lately some other investors’ concerns regarding FastInvest’s decision of not disclosing its loan originators. Since I highly appreciate transparency when investing money, I’ve decided to progressively reduce my investments until FastInvest disclosures this information. I hope they do it soon because I love this platform in every other aspect.

This month I’ve stopped the auto-invest function and withdrawn €330.42. I set the order on Sunday night, and the money reached my bank account the next day in the morning! Fast as lightning! I’ll share with you a lesson I’ve learned: if you sell an ongoing loan (in order to get your principal back) you lose all the interests paid by that loan until that moment in the previous months, and not only the future payments as I had wrongly thought. Take it into account!

Take a look at my FastInvest statistics panel as of 31/07/2019:

FastIvest Statistics Panel as of 31/07/2019
FastInvest Statistics Panel as of 31/07/2019

Can you see the tinny orange bar in July? It represents the €0.46 interest lost by selling one ongoing loan.

This is my overview panel dated 31/07/2019:

FastInvest Overview Panel as of 31/07/2019
FastInvest Overview Panel as of 31/07/2019

Viainvest

Viainvest keeps the 5th position, with an XIRR of 12.59% and €10.19 returned. I’m very satisfied with this platform, it’s a great option to diversify my investments:

ViaInvest income until July 2019
ViaInvest income until July 2019

This is my account balance by 31/07/2019:

ViaInvest Account Balance as of 31/07/2019
ViaInvest Account Balance as of 31/07/2019

ViaInvest Account Summary as of 31/07/2019
ViaInvest July 2019 Statement

Mintos

The 6th position this month is for Mintos again. The most popular European crowdlending platform had a great performance in July: returned €36.26 which makes an internal rate of return of 11.53%

Mintos Income until July 2019
Mintos Income until July 2019

Taking into account I’ve made a new €1,000 deposit in the platform in July which has penalized the XIRR, I presume Mintos will get higher in the table the next month. According to the platform, my current weighted average interest rate is 15.02% (that’s 0.30% more than the previous month):

My Mintos Loan Interest and Duration Summary by 31/07/2019
My Mintos Loan Interest and Duration Summary by 31/07/2019

I try to maximize my portfolio diversification purchasing loans from a lot of different loan originators. I select only those rated C+ and above, and make sure they pay interests for the delayed days.

My Mintos Loan Originator Distribution by 31/07/2019
My Mintos Loan Originator Distribution by 31/07/2019

Here you can take a look at my Overview panel:

Mintos Overview Panel as of 31/07/2019
Mintos Overview Panel as of 31/07/2019

And this is my account statement for July 2019:

Mintos July 2019 Account Statement
Mintos July 2019 Account Statement

You can read my updated Mintos review here.

Robocash

No changes in Robocash. The easiest and most automatized platform in the market remains in the 7th position. As I’ve told you in some other previous portfolio updates, I think it’s the platform of choice if you want to begin investing in crowdlending without spending any time managing or controlling your investments. Everything is fully automated, and no cash drag is ever experienced. This month I’ve received €19.44, and the XIRR has raised to 11.38%. Great!

Robocash income until July 2019
Robocash income until July 2019

And this is my summary panel as of 31/07/2019:

Robocash Overview Panel as of 31/07/2019
Robocash Overview Panel as of 31/07/2019

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 €9.46, which represents an XIRR of 11.09%.

PeerBerry income until July 2019
PeerBerry income until July 2019

Here you can see my account summary as of 31/07/2019:

PeerBerry July 2019 Account Summary

PeerBerry July 2019 Account Summary

Crowdestor

In July Crowdestor climbed two positions to the eighth place. It paid €97.81, and the XIRR raised to 10.52% (it was 9.75% in June and 7.41% in May).  Crowdestor is still my favorite crowdfunding platform (although Kuetzal is on its heels). As you already know, some projects I’ve invested in don’t pay interests for the first months, and that’s why the global interest rate is lower in the beginning. But a big interest payment is scheduled for August, so we’ll see Crowdestor higher in the charts the next months.

Crowdestor income until July 2019
Crowdestor income until July 2019

Take a look at my Crowdestor overview panel as of 31/07/2019:

Crowdestor Overview Panel as of 31/07/2019
Crowdestor Overview Panel as of 31/07/2019

This month I’ve made a new €800 deposit, and my whole invested amount in Crowdestor is now €9.800, the highest I’ve made among all the platforms. Can you tell it’s my favorite one? 

So far I’ve invested in 17 different projects (notice that I’ve made more than an investment in some projects). Here you can take a look at the latest ones:

Some of my Active Investments in Crowdestor as of 31/07/2019
Some of my Active Investments in Crowdestor as of 31/07/2019

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

Lenndy

Lenndy had a very poor performance in July. I received just €7, and the XIRR dropped to 9.84%. Once again most of the loans ended up being repurchased (borrowers were late and didn’t respect the schedule). I guess its performance will improve in August, and the chart will have a saw shape. I’ll pay attention!

Lenndy income until July 2019
Lenndy income until July 2019

Lenndy Overview Panel as of 31/07/2019

Lenndy Overview Panel as of 31/07/2019

Nowadays I invest in Lenndy just for diversification purpose. But if the number of platforms you work with is low, my recommendation is choosing other platforms to invest: there are better options out there.

Swaper

In July Swaper‘s XIRR is beginning to recover: the negative effect of the €4,000 deposit in May is vanishing, and the extended internal rate raises to 9.71% (it was 9.02% in June). The increase in the invested capital already has its effect on the obtained returns: I got €50.37 passive income from Swaper this month!

Swaper income until July 2019
Swaper income until July 2019

Swaper Overview Panel as of 31/07/2019

Swaper Overview Panel as of 31/07/2019

Swaper July 2019 Account Statement
Swaper July 2019 Account Statement

The 1st of August I received an e-mail from the Swaper team informing that the loyalty bonus for having invested more than €5,000 has become active and all the future loans I buy will yield 14% instead of 12%. Great, isn’t it?

Crowdestate

Two of the projects I’ve invested in Crowdestate have failed to adjust to the payment schedule: Baltic Forest OÜ (VIII) and Baltic Forest OÜ (IX). According to the information provided by Crowdestate, the Sponsor incurred loses due to a downturn in the second quarter of 2019 on the spruce lumber market, caused by a massive outbreak of bark beetle destroying Central European forests.  They say payments will be made no later than 23.08 and a late fee will be paid according to the loan agreement. I really hope so, fingers crossed! I’ve received just €12.67, and the XIRR has dropped to 8.96% 😭.

Crowdestate income until July 2019
Crowdestate income until July 2019

These are my ended investments so far (as a result of buying loans and selling them in the secondary market):

Ended Investments in Crowdestate by 31/07/2019
Ended Investments in Crowdestate by 31/07/2019

And these are my active investments:

My Active Investments in Crowdestate as of 31/07/2019
My Active Investments in Crowdestate as of 31/07/2019

My Active Investments in Crowdestate classification as of 31_07_2019

My Active Investments in Crowdestate classification as of 31_07_2019

Reinvest24

My Reinvest24 portfolio remains static: I’ve invested in just 4 properties so far. This month another one has begun to pay interests: Rental apartments in Tallinn’s tech hub.

Properties I've invested in Reinvest24 so far
Properties I’ve invested in Reinvest24 so far

This month I’ve received €4.42, and the XIRR has risen to -1.23%. Why is it negative? Due to the commissions Reinvest24 charges. If you have read my previous months’ portfolio update, you already know I usually complained about the lack of tools their website offered to view the transaction history or the future payments schedule. Well, they are fixing it, and in July they’ve released a new transactions and overview panel:

Reinvest24 new Transactions and Overview Panel as of 31/07/2019

Reinvest24 new Transactions and Overview Panel as of 31/07/2019

If they eliminated commissions I would increase my investments. Will they please the desire of this investor? I don’t think so…

See you 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!

6 Responses

  • Awesome month indeed, Carlos! Thanks for your update. You’re doing great!
    My income is going down, yours is going up. That upsets me, but only a little!

    Good job, man. Your updates always pack a ton of punch. I love it!

    I love Kuetzal, too. It’s a young platform though, and the team is young, so I’m watching them closely. But they’re doing a good job. I’m hoping they’ll start releasing financial statements soon, just to make sure they can deliver on the buyback guarantee.

    • Hi Eelis and thanks for the compliment!

      I’ve checked your monthly update and you are doing really great, so don’t be upset (not even little, LOL).

      Regarding Kuetzal… yep! It’s a young platform with a young team, but they seem quite promising.
      I’m happy with the amount I have currently invested, and don’t plan to increase it the short future. I’ll wait for them to get more experience and release some financial statements…

  • Hi Carlos,
    A great month with the returns, and congratulations on making your first goal!
    I am with you on the love for Crowdestor – they really seem to be doing some good stuff at the moment!
    Matt

    • Hi Matt! And thanks for passing by my blog.
      It has been really satisfying and encouraging achieving my first goal in just 8 months. And I’m ready for the second one!
      I think Crowdestor is doing it quite well, indeed. Have you seen how many new projects are they releasing this week? Wow!

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