March has come to an end, spring is finally here, and it’s time to review how my crowdfunding and crowdlending portfolio has performed this month. I have obtained a passive income of €215.13, representing an increase of 63.82% compared to February 2019 (when I got €131.31). Thus, in March 2019 I’ve managed to reach 46.23% of my first goal of €500 per month. I guess I’ll have to push up this first goal very soon!

The average annualized return for March has been 9.95% (much lower than the 12.18% I obtained in February). As we will see later, the reason is I’ve made new investments recently that haven’t had any return yet. The whole invested amount is € 27,685.77, that is € 6,770 more than the previous month. Let’s dive into the details!

Crowdfunding and Crowdlending Portfolio: Month Overview

Let me begin taking a look at the summary evolution table, with the current stats of all the crowdfunding and crowdlending platforms in which I invest:

PlatformInvestmentInitial Value
01/03/2019
DepositsTotal Return (*)InterestFinal Value
31/03/2019
XIRR
Envestio        5.900,00 €               4.534,99 €              1.400,00 €                         73,57 €           58,51 €             6.008,56 € 14,05%
Grupeer        4.500,00 €               3.614,56 €              1.000,00 €                         44,32 €           43,31 €             4.658,88 € 13,67%
Crowdestate            490,00 €                            -   €                  490,00 €                            3,00 €             3,00 €                493,00 € 12,44%
Mintos        1.500,00 €               1.568,21 €                           -   €                         16,44 €           16,44 €             1.584,65 € 12,29%
Robocash        1.500,00 €               1.554,63 €                           -   €                         17,54 €           17,54 €             1.572,18 € 10,99%
Swaper        1.100,00 €               1.148,70 €                           -   €                            9,67 €             9,67 €             1.158,37 € 10,61%
FastInvest        3.000,00 €               2.010,72 €              1.000,00 €                         22,36 €           22,36 €             3.033,08 € 10,34%
Kuetzal        1.000,00 €                   500,00 €                  500,00 €                            7,54 €             7,54 €             1.007,54 € 9,92%
PeerBerry            950,00 €                   965,53 €                           -   €                            9,77 €             9,77 €                975,30 € 9,64%
ViaInvest        1.000,00 €               1.001,05 €                           -   €                            7,93 €             7,93 €             1.008,98 € 7,19%
Crowdestor        4.600,00 €               2.516,30 €              2.100,00 €                                -   €                  -   €             4.616,30 € 3,77%
Lenndy        1.000,00 €                   720,00 €                  280,00 €                            2,99 €             2,99 €             1.002,99 € 3,70%
Reinvest24        1.145,77 €               1.123,30 €                           -   €                                -   €                  -   €             1.123,30 € N/A
TOTAL  27.685,77 €       21.258,00 €        6.770,00 €               215,13 €    199,06 €     28.243,12 € 9,95%

This month I’ve incremented my investments in the platforms I like most at this moment: Crowdestor (with €2,100), Envestio (with €1,400), Grupeer (with €1,000) and FastInvest (also €1,000). After getting the first returns, I’ve decided to invest €500 more in Kuetzal. I’ve also signed up in a new platform, Crowdestate, and invested €490. Finally, I’ve incremented my position in Lenndy, investing  €280 in order to reach €1,000.

All the platforms where I registered at the end of January have already given returns, except Crowdestor (just because no payments were scheduled until April) and Reinvest24 (payments won’t come until June). Lenndy has been quite disappointing so far, I’ll explain the reasons later.

Analysis of benefits

Accumulated Crowdlending and Crowdfunding Returns Chart March 2019
Accumulated Crowdlending and Crowdfunding Returns Chart March 2019

March has been a fantastic month. By ordering the table according to the returns obtained (XIRR) in the different platforms, from highest to lowest, we obtain:

Crowdlending and Crowdfunding Returns March 2019
Crowdlending and Crowdfunding Returns March 2019

(*) This month I’ve added a new column to the table, called Total Return, which adds up interests plus bonuses.

This month Envestio hits the TOP 1, with a 14.05% annual net return and a total of €73.75 profit. Grupeer has moved to the second position, with 13.67% XIRR (far from the 15.15% obtained in February; this is the effect of the general decrease in interest loans). The third in the podium is the newcomer (to my portfolio) Crowdestate with a 12.44% annual net return. However, don’t take this number very seriously, since the 3€ is not a real return, as far as they have been obtained after selling my first purchased loan in the secondary market.

Down in the table appear Mintos, Robocash and Swaper, performing worse than in February. Next, we find FastInvest, with an XIRR of 10,34%. However, its performance has been excellent. The reason why it’s so down in the table is that I made a new deposit of €1,000 in the middle of the month, and thus the annual net return decreased. Kuetzal is in a similar situation: although all my investments are returning more than 15%, a new deposit of €500 made recently has pushed the XIRR down. But I’m pretty sure both platforms will be in the TOP5 in the next months.

Envestio

I keep on increasing my investments in Envestio month after month and investing in every project I can. Lately, you have to be very alert and be extremely quick: projects are funded almost instantly, never lasting longer than one hour. If you blink, you lose the opportunity.

Envestio overview panel and repayment schedule by 01/04/2019
Envestio overview panel and repayment schedule by 01/04/2019

This month I’ve received €58.51 for interests and €15.06 for bonus span.

If you take a look at the schedule above, 10 projects are scheduled to pay interests in April and will make €81.34.

These are my projects:

My investments in Envestio at 01/04/2019
My investments in Envestio at 01/04/2019

Grupeer

In April Grupeer has performed very well, generating a total of €44.32 including interests (€43.31) and cashback (€1.01). Grupeer keeps on outstanding by its punctuality in payments. And I love that!

Grupeer Income until March 2019
Grupeer Income until March 2019

Once again I’ve increased my investments in Grupeer this month adding €1,000 and reaching a total of €4,500. This is my overview panel dated 01-04-2019:

My Grupeer investments overview on 1st April 2019
My Grupeer investments overview on 1st April 2019
From 1st to 30th April, Grupeer has a special offer for Finsputnik deals. You can get a 1% instant cashback on deals already yielding 13%. So I plan to make a new deposit and invest in Finsputnik deals in order to benefit from this great offer.

You can read my complete Grupeer review here.

Crowdestate

In March I’ve registered in Crowdestate and invested €490. So far I have an active investment of €300 and a pendant one of €100:

My investments in Crowdestate by 01/04/2019
My investments in Crowdestate by 01/04/2019

I’ll make a new deposit to reach €1000 the next week. There’s a thing I don’t like of Crowdestate: you can only invest in blocks of €100. So if you have an uninvested amount of 199€ and a new project appeals you, you only will able to invest €100, leaving a cash drag of 99€. On the other hand, I love the secondary market, where you can sell your investments and have an immediate gain of a part of your future interest. That’s how I got my 3€ return this month! Although in this case, I wasn’t looking for it: I just wanted to try the secondary market with my first investment (which I wasn’t particularly fond of).

Mintos

Mintos leaves the top 3 this month, descending to the fourth position. The €16.44 obtained makes an internal rate of return of 12.29%:

Mintos income until March 2019
Mintos income until March 2019

Finally, the Mintos support team answered my question about the unpaid interests in some delayed loans (you can read all about this issue in my February update, in the Mintos section).

They told me that whether you receive delayed interest with a buyback or not depends on the loan originators. On this page you can see a column called “Interest income on delayed payments”, and below it, you can find out which loan originators are calculating delayed interest and which aren’t. Of course, I’ve wiped out from my investments all the loan originators which are not paying interests income on delayed payments (I had many loans with ‘Dinero’ and those which end up being bought back didn’t pay interest for the days they were delayed, which made me a little bit furious).

You can read my complete Mintos review here.

Robocash

March has been an excellent month for Robocash. The invested €1,500 (and the reinvested accumulated interests) have generated €17.54, making an XIRR of 10,99%. It keeps bringing an effortless investing experience to my crowdlending portfolio, with a fixed 12% interest rate and no cash drag at all. Just love it!

Robocash income until March 2019
Robocash income until March 2019

This is my summary panel by 01/04/2019:

Robocash Overview Investment Panel by 01/04/2019
Robocash Overview Investment Panel by 01/04/2019

You can read my complete Robocash review here.

Swaper

Swaper continues performing quite well in my crowdfunding and crowdlending portfolio. Some times there is a little cash drag, but all funds got fully invested in 1-2 days. The accumulated XIRR since I began to invest is 10.61%. This month I’ve got €9.67, almost the same amount that in February:

Swaper income until March 2019
Swaper income until March 2019

This is my account statement by 01/04/2019:

Swaper account statement by 01-04-2019
Swaper account statement by 01-04-2019

FastInvest

This month has been very busy for people at FastInvest. They have completely renewed his website, which has been working very slowly some days. Finally, it’s completely up and running smooth and the result is awesome.

Regarding investments and results, I’m completely satisfied with FastInvest. The interests have been paid punctually, and not a single loan has been delayed this month. I’ve received €22.36 which makes an XIRR of 10.34%. I like the new statistics panel, where you can see the planned interest for the current month. Earnings have matched planned interests both in February and March:

FastInvest statistics by 01-04-2019
FastInvest statistics by 01-04-2019

My calculated XIRR by 01-04-2019 has been only 10.34%. I suppose it’s because I made a €1,000 deposit on the 6th of March, and that penalizes in the XIRR calculation (since the first generated interests won’t be paid until April). According to the overview panel offered by FastInvest, the average interest rate is 13.42%:

FastInvest overview panel by 01-04-2019
FastInvest overview panel by 01-04-2019

Kuetzal

This is the first month I receive interests from my Kuetzal investments. And I must say I’m completely satisfied. Payments have been punctual and just as scheduled, making a total of €7.54 and an XIRR of 9.92%. Not bad at all considering they come only from an investment of just €500. I deposited €500 more on 6th of March (and €500 more the 2nd of April), but they haven’t generated any returns yet.

These are the projects I’ve invested in so far:

Kuetzal active investments by 03-04-2019
Kuetzal active investments by 03-04-2019

You can see the interests rate are very high. The platform is quite new, so before investing greater amounts of money I want to follow up its performance. For the moment, my impressions are very good. If you want to invest, consider registering using this link, and you will earn an additional 0.5% of your investments made within 180 days.

PeerBerry

PeerBerry keeps on offering a modest but steady performance. This month I’ve noticed they have solved the lack of loans. So it’s a good option to diversify my crowdlending portfolio! This month I’ve obtained €9.77, which makes an XIRR of 9.64%.

PeerBerry income until March 2019
PeerBerry income until March 2019

This is my account balance and summary by 01-04-2019:

PeerBerry account balance and account summary 01-04-2019
PeerBerry account balance and account summary 01-04-2019

Viainvest

Quite low performance for Viainvest this month. With an XIRR of 7.19% returns €7.93. According to my account balance, I’ve to obtain a net annual return of 11.60%, but I really don’t know how they are getting that number. I suppose they are taking into account the accrued but not paid interests:

Viainvest account balance and account summary 01-04-2019
Viainvest account balance and account summary 01-04-2019

Crowdestor

And it’s the turn for Crowdestor, the platform I like most currently. Ok, it’s true, this month the returns have been of an awesome… €0.00! But don’t panic, since it’s just because no payments were scheduled for March. I’m expecting a fabulous April, so stay tuned! Take a look at my Crowdestor crowdfunding portfolio by 01/04/2019:

My Crowdestor investments by 01-04-2019
My Crowdestor investments by 01-04-2019
Crowdestor overview panel by 01-04-2019
Crowdestor overview panel by 01-04-2019

All these projects will pay interests in April, except the ‘Energy production plant project’ for which the next payment is scheduled for 20-08-2019, and ‘Rover education’ which is still open.

 

Lenndy

Almost every loan I purchased in Lenndy in February has been delayed, so I’ve received only €2.99. Quite disappointing! Looking forward to seeing its future performance.

Lenndy overview panel 01-04-2019
Lenndy overview panel 01-04-2019

Reinvest24

I’ve invested in three properties in Reinvest24 so far:

Properties I've invested in Reinvest24 by 01-04-2019
Properties I’ve invested in Reinvest24 by 01-04-2019

The commission charged by Reinvest24 for these three investments accounts for €22.47, and I’ve received a cashback of €11.46. Thus so far I’ve lost €11.01. I will have to wait for the first returns in order to properly evaluate this platform’s performance. 

 

Until next month!

Wow! I have now 13 different platforms in my crowdfunding and crowdlending portfolio! That’s diversification, for sure. And that’s also a lot of time needed to make the monthly portfolio review. Anyway, I’m really happy to share with you how my investments are doing month by month. Shall I hit €300 in April? See you next month!

2 Responses

  • Excellent growth!

    Interestingly, the best performers are in the business crowdfunding space, and consumer loans come after.

    Why do you think that is, and will it stay that way?

    I think I might need to start to divest some of my P2P consumer loans and invest more in crowdfunding space.

    • Hi Eelis! Please accept my apologies for not having answered before to your comment. I missed the notification and hadn’t moderated it yet.
      I made myself the same questions, and I think crowdfunding pays bigger interests because relies on the estimated profits of businesses. If the businesses are properly chosen, the future profits can be really high. Consumer loans, on the other hand, are given to people with moderate income, so interests must adjust to the real possibilities of repayment. If my theory is correct, the gap of performance between crowdfunding and consumer loans should remain that way in the future.

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