Welcome, MyCrowdlenders!

The second month of the year is over, and it’s time for a new review of my crowdlending and crowdfunding investments. As I told you in previous updates of my portfolio, I decided to rebalance my investments among the different platforms to lower the risk.

Let’s see what changes I’ve made!

Crowdfunding and Crowdlending Portfolio: Month Overview

Below you can find the chart showing the evolution of my passive income from crowdlending and crowdfunding, detailing platform contribution:

Portfolio Update: an interesting February 2020 1
Crowdlending and crowdfunding passive income with platform contribution until February 2020

And these are the figures of all my investments in crowdlending and crowdfunding at the end of February (29/02/20), ordered by the extended internal rate (XIRR) obtained in the different platforms from highest to lowest:

Portfolio Update: an interesting February 2020 2
Table – Crowdlending and Crowdfunding returns obtained in February 2020

As I told you in my January update, I decided to re-balance my investments among the different platforms, to prioritize security against high interests.

This month I’ve completely exited FastInvest (the final XIRR is 8,85% because I lost almost €100 interests by selling some loans) and I’ve incremented my investments in Iuvo (+€1.500) to a total of €2.500. I’ve also deposited +€1.500 in Mintos.

I’ve withdrawn money from Crowdestor (-€200) and Grupeer (-€650). Despite its excellent performance and so far unquestioned credibility, I’m reducing a little bit my exposure to increase my positions in other platforms. Never forget investing in Crowdlending and Crowdfunding is risky, so it’s better to maximize diversification.I’ve also withdrawn €900 from Robocash due to the cash drag experienced lately. And finally, I took a withdrawal from Crowdestate (-€419,28), because I’m not happy with the way they manage some of the problematic projects I’m invested in.

Iuvo (because of the €30 welcome bonus since I was invited by another investor), Crowdestor (with an XIRR of 17.59% and €164.53 generated in January) and Grupeer (with an XIRR of 13.69% and 59.75€ returned) remain the TOP 3 of the profitability table in February.

Let’s go for a detailed analysis of each crowdlending and crowdfunding platform’s performance!

Iuvo

In the first place of the profitability table, we find Iuvo. This month I’ve received a total of €15.54 passive income, and my accumulated XIRR is 48.95% (because of the welcome bonus of €30 I got in January thanks to the invitation of another investor).

Portfolio Update: an interesting February 2020 3
Iuvo Income until February 2020

Since I opened my account at Iuvo my personal account manager has phoned me four times to make sure I was happy with the service and asking me if she could help me in any way. It’s a real difference with any other crowdlending platform, isn’t it? Its customer support speaks English, German, Spanish and Bulgarian.

The average return according to its website is 9.2% annually, and Iuvo has the biggest skin in the game on the market (30%). This month I’ve made a new deposit of €1,500.

Crowdestor

Crowdestor remains in the second position in February. The XIRR increased to 17.59% (it was 17.31% in January):

Portfolio Update: an interesting February 2020 4
Crowdestor Income until February 2020

Crowdestor paid €164.53 in February 2020. It’s still my favorite crowdfunding platform 😍.

Below you can take a look at my overview panel as of 29/02/2020:

Crowdestor Overview Panel as of 29/02/2020
Crowdestor Overview Panel as of 29/02/2020

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

Grupeer

The third position in the profitability table in February is once again for Grupeer. The accumulated XIRR has decreased slightly to 13.69% (it reached 13.79% in January 2020), and it has passively generated €59.75.

Portfolio Update: an interesting February 2020 5
Grupeer Income until February 2020

In February I withdrew €650, in order to rebalance my investments among other platforms I had less money invested.

You can take a look at my overview panel as of 29/02/2020:

Grupeer Overview Panel as of 29/02/2020
Grupeer Overview Panel as of 29/02/2020

Swaper

Swaper‘s XIRR upward trend makes this platform keep on escalating positions in the profitability table, reaching the 4th position in February. XIRR reached 12.63% in February 2020. It was 12.36% in January, 12.18% in December, 11.81% in November, 11.27% in October, 10.94% in September, 10.29% in August, 9.71% in July and 9.02% in June. WOW! The Loyalty Bonus (all loans come with a 14% interest rate when you invest more than €5,000) has definitively boosted this platform’s performance for my investments. In February 2020 I got €75.31 passive income from Swaper.

Swaper income until February 2020
Swaper income until February 2020

You can take a look at my Swaper overview panel and February 2020 account statement below:

My Swaper's overview panel as of 29/02/2020
My Swaper’s overview panel as of 29/02/2020
Swaper February 2020 account statement
Swaper February 2020 account statement

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

Mintos

Mintos lost one position and moved to the 5th place in February. The biggest and most solid European crowdlending platform had a great performance in February and returned €40.60. The XIRR dropped to 12.42% (it was 13.16% in January). This decrease in rentability is caused by the new deposit, so nothing to worry about.

Portfolio Update: an interesting February 2020 6
Mintos Income until February 2020

My current weighted average interest rate for EUR loans has decreased to 11.50% (11.53% in January):

My Mintos EUR Loan Interest, Duration and Loan Distribution Summary as of 29/02/2020
My Mintos EUR Loan Interest, Duration and Loan Distribution Summary as of 29/02/2020

Here you can see the average interest rate of my RUB portfolio:

My Mintos RUB Loan Interest, Duration and Loan Distribution Summary as of 29/02/2020
My Mintos RUB Loan Interest, Duration and Loan Distribution Summary as of 29/02/2020

And below you can take a look at my overview panels and account statements for February 2020 in the two currencies I currently invest in (only EUR and RUB because a got rid of my MXN account and converted the remaining amount back to EUR):

My Mintos EUR Overview panel as of 29/02/2020
My Mintos EUR Overview panel as of 29/02/2020
My Mintos RUB Overview panel as of 29/02/2020
My Mintos RUB Overview panel as of 29/02/2020
Mintos February 2020 EUR Account Statement
Mintos February 2020 EUR Account Statement
Mintos February 2020 RUB Account Statement
Mintos February 2020 RUB Account Statement

You can read my complete Mintos review here, to learn more about this great crowdlending platform.

Viainvest

Viainvest keeps the 6th place it conquered in January, with an XIRR of 12.05% (12.07% in January). It returned €9.92.

Viainvest Income until February 2020
Viainvest Income until February 2020

It’s been one year since I began investing with Viainvest and I’m really happy with this platform, even though it has been suffering cash drag lately. I consider it’s a great platform to diversify every crowdlending and crowdfunding portfolio. Below you can find my account balance and account summary at the end of February 2020:

ViaInvest account balance and last investments as of 29/02/2020
ViaInvest account balance and last investments as of 29/02/2020
ViaInvest Account Summary as of 29/02/2020
ViaInvest Account Summary as of 29/02/2020

If you want to add Viainvest to your crowdlending portfolio, consider registering using this referral link, to help me maintain the blog online.

Lenndy

The 7th position in February is once again for Lenndy, which retains the position it conquered in January. I’ve received €12.15 this month, and the XIRR increased to 12.03% (it was 11.80% in January).

Lenndy income until February 2020
Lenndy income until February 2020

After one year using Lenndy, I think it’s a must-have to diversify my investments in crowdlending. Below you can take a look at my Lenndy overview panel as of 29/02/2020 and my February 2020 account statement:

My Lenndy overview panel as of 29/02/2020
My Lenndy overview panel as of 29/02/2020
My Lenndy February account statement
My Lenndy February account statement

If you want to diversify your portfolio with Lenndy, consider registering using this referral link, to help me maintain the blog online.

PeerBerry

In the 8th position, we find PeerBerry. I’ve been investing in this platform for 15 months, and I’m very happy. PeerBerry has a quite long trajectory, and I consider it’s a very good option to diversify any crowdlending portfolio. In February, I received a total of €10.64 passive income from PeerBerry and the XIRR raised to 11.58% (it was 11.46% in January).

PeerBerry Income until February 2020
PeerBerry Income until February 2020

These are my overview panel as of 29/02/2020 and February account statement :

PeerBerry Overview Panel as of 29/02/2020
PeerBerry Overview Panel as of 29/02/2020
Portfolio Update: an interesting February 2020 7
PeerBerry February 2020 account statement

As you can see, the net annual return calculated by the platform is slightly higher than that calculated by me.

If you want to diversify your portfolio investing with PeerBerry, consider registering using my referral link, to help me maintain the blog online.

Robocash

Robocash, the simplest and most automatized platform in the market, keeps the 9th position in February. If you want to start investing in crowdlending but do not want complicated platforms, sign up for Robocash. Once the initial setup is done, the passive income keeps coming without you having to spend a single second in managing or controlling your investments.

In December 2020 this platform was suffering from cash drag, and that’s why I decided to withdraw some money (€900). But in the first days of March, a new loan originator from Kazakhstan was introduced, and Robocash is cash-drag free again.

This month I received €39.36, and the XIRR increased to 11.46% (11.26% in January 2020).

Portfolio Update: an interesting February 2020 8
Robocash Income until February 2020

Below you can take a look at my overview panel as of 29/02/2020 and February 2020 account statement:

Portfolio Update: an interesting February 2020 9
Robocash overview panel as of 29/02/2020
Portfolio Update: an interesting February 2020 10
Robocash February 2020 account statement

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

FastInvest

This month I finished withdrawing all my money from FastInvest, which leaves my crowdlending portfolio with a not so bad XIRR of 8.85%. If you follow my blog you know that I’ve been always a fan of this platform. Their website is probably the better built of all the crowdlending platforms out there. But I don’t feel secure any more investing my money in this platform, at least until they disclose who their loan originators are.

Below you can see the benefit record of my investments in this platform:

FastInvest income until February 2020
FastInvest income until February 2020

Crowdestate

I keep on decreasing my investments in Crowdestate.

As I thought, nobody wants to buy my Baltic Forest OÜ’s shares in the secondary market. So I’ll have to keep my investment, which will begin to pay interests again the next month (30/04/2020 if everything goes as scheduled).

Regarding H.M. Seafood OÜ, .they came up with a compromise proposal that involved deferring repayments. This doesn’t suit Crowdestate and they will try to find a better solution in the coming weeks. Let’s see what happens next!

And there is yet a third project with problems: Kreutzwaldi 59c, 65610 Võru (IX). The loan should have been returned two months ago, but the borrower is experiencing some delays selling the apartments.

Take a look at my current investments in Crowdestate:

My current investments in Crowdestate as of 29/02/20
My current investments in Crowdestate as of 29/02/20

After all, the accumulated XIRR until February 2020 was 7.51% (7.36% in January), and Crowdestate escalates one step to the 11th position of the profitability table. I received €15.75, some of which was obtained by selling loans in the secondary market.

Portfolio Update: an interesting February 2020 11
Crowdestate Income until February 2020

Estateguru

Estateguru returns to the penultimate position of the profitability table. The XIRR has decreased to 7.34% in February (it was 7.84% in January). But don’t forget this low XIRR is not due to a bad performance of projects, but because most loans pay interests at the maturity date. I got a passive income of €3.80 in February.

Portfolio Update: an interesting February 2020 12
EstateGuru income until February 2020

This is my Key statistics panel showing February’s profits:

Portfolio Update: an interesting February 2020 13
EstateGuru key February 2020 key statistics

Although I’ve been working with Estateguru just for 7 months, I must say my impression is excellent. All investments are backed by mortgages on the properties and over the years they have managed zero loss of capital.

They stand out by their recovery rate of defaulted loans. They have recovered all of them so far. This platform meets my new standards in due diligence and risk assessment, so I will be increasing my investment in Estateguru in March.

If you want to start investing through Estateguru, please consider registering using my referral link, to help me maintain the blog online.

Reinvest24

No news from Reinvest24. One on my properties (Apartment development in Tallinn’s tech hub) should have been sold months ago, but they don’t find a proper buyer. The other one (Rental apartments in Tallinn’s tech hub) keeps on paying regular benefits every month.

My Reinvest24 investments as of 31/01/2020
My Reinvest24 investments as of 29/02/2020

Take a look at my transactions panel:

Portfolio Update: an interesting February 2020 14
Transaction in Reinvest24 until February 2020
Passive income from Reinvest24 until February 2020
Passive income from Reinvest24 until February 2020

In February I got just €2.52, so the XIRR dropped to 6.46% (it was 6.56% in January). I look forward to selling both properties and get my principal back.

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!

If you haven’t done it yet, why don’t you follow me on twitter?

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

See you in my next update, MyCrowdlenders!

One Response

  • Hi Carlos,
    very interesting blog, thank you for sharing.

    One question, how do you calculate your XIRR?
    Your February table shows ax XIRR of 48.95 on IUVO lending? Using the posted IUVO figures, I get an XIRR of 29.5% (counting only February as investment month), which is way far from 48.95.

    brgds
    Marco

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