Welcome, MyCrowdlenders!

Autumn has finally arrived! Great! But I would appreciate if the temperatures were in line with the new season. Do you find it normal that I still need the air conditioning in October? Neither do I!

But whether it’s cold or hot, my investments in Crowdlending and Crowdfunding keep working for me, and my passive income keeps on growing month by month. In October, I’ve obtained €592.64 and thus reached 59,26% of my current goal of €1,000 passive income every month.

The global XIRR in September has risen to 13.80%, the highest so far. The invested amount is slightly smaller, €46,849.70, and the current value of the portfolio is €50,454.19.

Let’s dive into all the details!

Crowdfunding and Crowdlending Portfolio: Month Overview

Ok, let’s face reality: this month my passive income has been much smaller than in September. But there is an explanation. In September I got a payment of all the accumulated interests generated by a Crowdestor‘s, project that hadn’t paid any interest for months (kind of full bullet). No such nice surprises this month. But compared to July, you can see a steady increment:

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

These are the complete figures of all platforms, ordered by the obtained extended internal rate (XIRR) from highest to lowest:

Returns obtained from my Crowdfunding and Crowdlending portfolio in September 2019
Table. Crowdlending and Crowdfunding returns obtained in September 2019

This month I’ve increased my investments in Crowdestor (+ €300) and decreased positions in Reinvest24 (-€421.79). I’ve also changed again some EUR of my Mintos account to Russian Rubles in order to increase my investments in this currency. I’ve been charged a €2.41 commission for exchanging €341.67 to RUB.

The podium of profitability this month is exactly the same as in August: Kuetzal keeps the 1st position making a breathtaking XIRR of 19.36% (WOW! 😍) and returning €77.49. Envestio remains second with a 17.43% XIRR and €92.05 obtained. And Crowdestor keeps the 3rd position with an XIRR of 15.48% and €112.54 returned.

Let’s analyze in detail each crowdlending and crowdfunding platform!

Kuetzal

Kuetzal‘s XIRR bursts to 19,36% in September! Terrific, isn’t it? Obviously, it keeps the TOP 1 position, and it’s already the third month in a row.

It has contributed with 77.49€ to my passive income, and payments have been punctual as always. And because it’s a young platform (and thus less known) there isn’t a lack of projects to invest. Besides, all of them offer very high-interest rates.

I’ve been investing 7 months with them already, and I can only say good things about them.

Kuetzal Income until September 2019
Kuetzal Income until September 2019

Below you can see my overview panel as of 30/09/2019:

Kuetzal Summary Panel as of 30/09/2019
Kuetzal Summary Panel as of 30/09/2019

And in this table you can take a look at the last projects I’ve invested in:

Last Investments I've made in Kuetzal until September 2019
Last Investments I’ve made in Kuetzal until September 2019

If you want to invest, you can register with this link, and you will earn an additional 0.5% of all your investments made within 180 days.

Envestio

Things have improved quite a lot in Envestio regarding the lack of projects. This month 7 new projects have been published, although some of them were different rounds of the same project. Interest rates offered ranged from 16 to 17.5%. Not bad at all!

My current investments in Envestio keep on returning punctual and steady payments with the highest returns ever: this month the XIRR has reached 17.43% (it was 17,29% in August). 

Envestio Income until September 2019
Envestio Income until September 2019

These are the last investments I’ve made in Envestio:

My last investments in Envestio as of 30/09/2019
My last investments in Envestio as of 30/09/2019

And here you can take a look at my current account balance and my investments’ repayment schedule for the first days of October:

Envestio Overview Panel as of 30/09/2019
Envestio Overview Panel as of 30/09/2019

Crowdestor

In September things went back to normal in Crowdestor. I mean, I didn’t received any extra payment for accumulated interests, and that explains the behavior of the chart. This crowdfunding platform retains 3rd position, with an XIRR of 15.48% (it was 15.85% in August) and €112.54 returned.

Crowdestor Income until September 2019
Crowdestor Income until September 2019

You can see my overview panel as of 30/09/2019 below:

Crowdestor Overview Panel as of 30/09/2019
Crowdestor Overview Panel as of 30/09/2019

So far I’ve invested in 24 different projects (notice that I’ve made more than one investment in some of them). Take a look at the latest ones:

Some of my last investments in Crowdestor as of 30/09/2019
Some of my last investments in Crowdestor as of 30/09/2019

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

Grupeer

Once again in the 4th position, Grupeer has returned €63.24, setting the XIRR to 14.16%, slightly lower than the obtained in July (14,23%).  Returns have dropped a little because some of the loans I’ve purchased lately follow a full bullet payment schedule: they pay all the interests at the end instead of monthly.

Grupeer Income until September 2019
Grupeer Income until September 2019

After 14 months of using Grupeer, I can say I’m really satisfied. Interests are high (usually above 13%), its website is very complete and detailed, and payments are always punctual. 

This is my overview panel as of 30/09/2019:

Grupeer Overview Panel as of 30/09/2019
Grupeer Overview Panel as of 30/09/2019

You can read my complete and updated Grupeer review here in order to learn more about this great crowdlending platform.

FastInvest

FastInvest remains in 5th place in September. It has returned €25,95 and the XIRR reached 13.38%

FastInvest Income until September 2019
FastInvest Income until September 2019

I am very satisfied with FastInvest‘s performance, and I’ve decided to keep the €2,150 invested (even though they don’t disclose their loan originators). I’m even considering to increase that amount again!

This is my FastInvest statistics panel as of 30/09/2019:

FastIvest Statistics Panel as of 30/09/2019
FastIvest Statistics Panel as of 30/09/2019

And finally, take a look at my overview panel dated 30/09/2019:

FastInvest Overview Panel as of 30/09/2019
FastInvest Overview Panel as of 30/09/2019

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

Mintos

In September Mintos conquered the 6th position in the table. The biggest European Crowdlending platform had a terrific month: €61.12 returned and an XIRR of 12.31% (it was 12.10% in August). 

Mintos Income until September 2019
Mintos Income until September 2019

But loans published in September came mostly with interests under 10.5%. In fact, nowadays the highest interest you can find is 10%. Nothing to do with rates of 15% you can easy find in July and August.

Thus, my weighted average interest rate keeps decreasing 😫: according to the platform, it was only 11.32% on 30/09 (it was 13.55% at the end of August and 15.02% at the end of July). If the tendency doesn’t change, we will see Mintos going down in the table soon.

My Mintos EUR Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019
My Mintos EUR Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019

Anyway, my Mexican pesos and Russian Rubles investments keep their high-interest rates. I’ve increased my investment in RUB.

My Mintos RUB Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019
My Mintos RUB Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019
My Mintos MXN Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019
My Mintos MXN Loan Interest, Duration and Loan Distribution Summary as of 30/09/2019

Below you can take a look at my Overview panels, in the three different currencies I’m investing with:

Mintos EUR Overview Panel as of 30/09/2019
Mintos EUR Overview Panel as of 30/09/2019
Mintos RUB Overview Panel as of 30/09/2019
Mintos RUB Overview Panel as of 30/09/2019
Mintos MXN Overview Panel as of 30/09/2019
Mintos MXN Overview Panel as of 30/09/2019

And these are my account statements for September 2019:

Mintos September 2019 EUR Account Statement
Mintos September 2019 EUR Account Statement
Mintos September 2019 RUB Account Statement
Mintos September 2019 RUB Account Statement
Mintos September 2019 MXN Account Statement
Mintos September 2019 MXN Account Statement

You can read my updated Mintos review here if you want to learn more about this platform.

Viainvest

Viainvest descends to the 7th place in September, with an XIRR of 12.28% and €9.25 returned.

Viainvest Income until September 2019
Viainvest Income until September 2019

Since it’s a very good option to diversify my crowdlending investments, Viainvest will remain in my portfolio.

Below you can take a look at my account balance and account summary:

ViaInvest Account Balance as of 30/09/2019
ViaInvest Account Balance as of 30/09/2019
ViaInvest Account Summary as of 30/09/2019
ViaInvest Account Summary as of 30/09/2019

Robocash

Robocash keeps its 8th position in the profits table. As I’ve said in previous portfolio updates, I think this platform is the right one for any newcomer willing to begin investing in crowdlending. It’s easy and fully automatized, and once the initial setup is done, the passive income keeps coming without you having to spend time in managing or controlling your investments. Besides, no cash drag is ever experienced.

In September I received €20.24, and the XIRR raised slightly, to reach 11.57% (it was 11.53% in July).

Robocash Income until September 2019
Robocash Income until September 2019

Take a look at my overview panel as of 30/09/2019:

Robocash Overview Panel as of 30/09/2019
Robocash Overview Panel as of 30/09/2019

If you want to know more about Robocash you can read my complete and updated review here.

Swaper

The 9th place is for Swaper. It occupied the 11th position in August, so the impact of the Loyalty Bonus (all the loans pay 14% instead of 12% if you invest more than €5,000) can be already seen in the charts. The XIRR continues growing, reaching 10.94% in September (it was 10.29% in August and 9.71% in July). My passive income from Swaper this month was €59,65.

Swaper Income until September 2019
Swaper Income until September 2019

You can see at my Swaper overview panel and account statement below:

Swaper Overview Panel as of 30/09/2019
Swaper Overview Panel as of 30/09/2019
Swaper September 2019 Account Statement
Swaper September 2019 Account Statement

In case you are interested in knowing more about Swaper, please read my 2019 complete review.

And if you register at Swaper using my referral link from the 2nd of October to the 2nd of November you will get a Swaper Loyalty Bonus (+2%) on all investments you make during the first three months. This means you will earn 14% profit instead of 12%.

PeerBerry

PeerBerry goes down one position, to 10th place. Being a very robust platform with a long trajectory, it makes a very good option to diversify any crowdlending portfolio. In September it returned €7.17, and the XIRR dropped a little, until 10.89%. I guess the decrement in profit it’s just because some loans were late and they’ll be bought back in October.

PeerBerry Income until September 2019
PeerBerry Income until September 2019

This is my account summary as of 30/09/2019:

PeerBerry Overview Panel as of 30/09/2019
PeerBerry Overview Panel as of 30/09/2019

Lenndy

Most loans in Lenndy end up being bought back by the loan originator after the grace period, so the profit chart has the shape of a saw. One month you get low returns (because delayed loans don’t pay interests) and the next month the income is much bigger (because those loans are bought back by the loan originator since almost all of the loans come with a Buyback Guarantee).

And September was a low-income month: I only received €7.94, and the XIRR dropped to 10.47% (10.62% in August).

Lenndy Income until September 2019
Lenndy Income until September 2019
Lenndy Overview Panel as of 30/09/2019
Lenndy Overview Panel as of 30/09/2019

For the sake of diversification, as long as the XIRR remains around 10%-11% I will maintain my investments in Lenndy

Crowdestate

Problems continue in some of the Crowdestate projects I’ve invested in.

Payments for projects Baltic Forest OÜ VIII, IX, and X are still on hold because the company is still experiencing some difficulties. They informed they would pay the interest on the loan agreements of August VI, IX and X no later than the 4th of October and all interest of September no later than 15th of October. I’m not really worried, but I will believe it when I see it.

Project H.M. Seafood OÜ (II) is also having some issues (the company is experiencing cash flow problems). As a result principal and interest payments scheduled for August and September are expected to be paid the 9th of October 😭. From there on, they expect payments to investors will be made according to the schedule. Fingers crossed!

This month my passive income from Crowdestate raised to €16.16, and the accumulated XIRR dropped to 8.49% (it was 8.61% in August).

Crowdestate Income until September 2019
Crowdestate Income until September 2019

Estateguru

With the €1,000 I transferred to Estateguru I invested in 12 different loans, all of them property-backed.

My Active Estateguru Investments as of 30/09/2019
My Active Estateguru Investments as of 30/09/2019

None of them has paid any interest yet, but I’ve received €4.26 as a result of the cash-back campaign. That makes a XIRR of 5.13%, which prevents Estateguru from being at the last position of the table, even though no interest payments have been made.

Reinvest24

Well… something exciting has finally happened in my Reinvest24 portfolio: one of the properties in my portfolio (Luxurious rental apartment in Tallinn city center) was prematurely sold, and I was paid the capital growth. 😎💶

According to Reinvest24‘s information, despite its good performance, this property was expensive considering price per square meter, and if the holiday rental market would have tightened, the property might have underperformed. By the end of the high season, they found a private investor interested in purchasing it. Considering potential low-season vacancy risk and the price they were able to negotiate, they decided to sell this property, providing us the investors with 8.01% net capital growth over 6 month period. Kudos!

With all, in September I received €35.58, making the XIRR rise to 3.95% (finally a positive value!).
You can take a look at my transactions here:

Reinvest24 Transactions and Overview Panel as of 30/09/2019
Reinvest24 Transactions and Overview Panel as of 30/09/2019

As you can see, I withdrew the paid interests and the funds I had invested in this property. I’ll consider investing in new properties in the close future.

And this is my current portfolio:

Active Properties in my Reinvest24 Portfolio as of 30/09/2019
Active Properties in my Reinvest24 Portfolio as of 30/09/2019

Notice the repayment date for the “Apartment development in Tallinn’s tech hub” was scheduled for 30/09/19. I was informed by Tanel (Reinvest24’s CEO) that works on the project are fully finished and since the beginning of September, the property is on the market for sale with a lot of interest from buyers. So I hope it to be sold (and the loan repaid) very soon.

See you next month!

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

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And please remember: if you have any questions or want to make a suggestion for a new platform to review, don’t hesitate and tell me in the comments!

See you in my next update, MyCrowdlenders!

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