My crowdlending and crowdfunding portfolio

In this section of the blog, you can take a look at my portfolio of investments in crowdlending and crowdfunding platforms. You can spy on which platforms I invest and how much money I have invested in each of them. With the pie chart, you can quickly visualize the weight every platform has in the global crowdfunding and crowdlending portfolio. In the performance report, a table will show the returns generated by every platform and the calculated internal rate of return (XIRR) it’s offering.

My goal is to diversify to the maximum among all available platforms. First, to reduce the risk: the more different platforms you use, the less you will be affected in the event that one of them breaks down. It is unlikely, of course, but it can happen. And better be prepared. Secondly, because I am interested in knowing first hand the operation of each platform. This will allow me to keep on reviewing them here on the blog and offer my opinion to anyone interested in investing in them. And of course, also to know the real return each of them offers. Without losing sight of diversification, I will try to focus my investment on those that offer higher returns.

My crowdlending and crowdfunding investments allocation

October 2019

The allocation of all my crowdfunding and crowdlending investments as of 10/31/2019, is as follows:

Total invested amount:  € 49,244.49
Current portfolio’s value: € 53,411.06 €

September 2019

As of 09/30/2019, the allocation of my crowdfunding and crowdlending investments is as follows:

Total invested amount: € 46,849.70
Current portfolio’s value: € 50,454.19

August 2019

This is the allocation of my investments in the different crowdfunding and crowdlending platforms I invest in, as of 08/31/2019:

Total invested amount: €46,950.77

July 2019

This is the allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, as of 07/31/2019:

Total invested amount: €46,469.58 €

June 2019

The allocation of my investments in the different crowdfunding and crowdlending platforms I invest in, by 06/30/2019, is:

Total invested amount: € 44,384.13

May 2019

The allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, at 05/31/2019 is:

Total invested amount: € 43,870.83

April 2019

The allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, at 04/30/2019 is:

Total invested amount: € 33,884.89

March 2019

The allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, at 03/31/2019 is:

Total invested amount: € 27,685.77

February 2019

The allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, at 02/28/2019 is:

Total invested amount: € 20,915.77

January 2019

The allocation of my investments in the different crowdlending and crowdfunding platforms I invest in, at 01/31/2019 is:

Total invested amount: € 9,948.13


Passive Income Statement: crowdlending and crowdfunding returns

October 2019

(updated 10/31/2019)

PlatformInvestment
(original currency)
Investment (€)Initial Value
01/10/2019
Total Return (*)Deposit /
Withdraw
CommissionFinal Value
31/10/2019
XIRR
Kuetzal         5.000,00 €           5.000,00 €          4.821,00 €                 77,49 €           500,00 €                 -   €          5.398,49 € 19,45%
Envestio         6.000,00 €           6.000,00 €          6.686,90 €                 99,98 €                     -   €                 -   €          6.786,88 € 17,61%
Crowdestor      10.100,00 €        10.100,00 €       10.799,69 €              121,26 €                     -   €                 -   €       10.920,95 € 15,26%
Grupeer         5.500,00 €           5.500,00 €          6.040,65 €                 62,24 €                     -   €                 -   €          6.102,89 € 14,02%
FastInvest         2.150,00 €           2.150,00 €          2.376,85 €                 26,11 €                     -   €                 -   €          2.402,96 € 13,42%
Mintos         3.350,83 €           3.350,83 €          3.646,61 €                 29,84 €                     -   €                 -   €          3.676,45 € 12,56%
 $         1.313,65                 61,23 €                61,46 €                   0,81 €                     -   €                 -   €                62,28 € 
      43.204,67 ₽              604,22 €             608,08 €                   7,16 €                     -   €                 -   €             615,24 € 
ViaInvest         1.000,00 €           1.000,00 €          1.075,70 €                 10,80 €                     -   €                 -   €          1.086,50 € 12,30%
Lenndy         1.000,00 €           1.000,00 €          1.059,83 €                 17,21 €                     -   €                 -   €          1.077,04 € 11,74%
Robocash         3.000,00 €           3.000,00 €          2.192,69 €                 22,01 €       1.000,00 €                 -   €          3.214,70 € 11,43%
PeerBerry            950,00 €              950,00 €          1.030,49 €                 12,60 €                     -   €                 -   €          1.043,09 € 11,32%
Swaper         6.000,00 €           6.000,00 €          5.383,55 €                 61,14 €           900,00 €                 -   €          6.344,69 € 11,27%
Crowdestate         2.500,00 €           2.500,00 €          2.599,85 €                   6,68 €                     -   €                 -   €          2.606,53 € 7,65%
Estateguru         1.000,00 €           1.000,00 €          1.004,26 €                   4,27 €                     -   €                 -   €          1.008,53 € 5,13%
Reinvest24         1.028,21 €           1.028,21 €          1.061,32 €                   2,52 €                     -   €                 -   €          1.063,84 € 3,84%
 TOTAL   49.244,49 €   50.448,94 €         562,12 €   2.400,00 €            -   €  53.411,06 € 13,78%

September 2019

(updated 09/30/2019)

PlatformInvestment (original currency)Investment (€)Initial Value 01/09/2019Total Return (*)Deposit /
Withdraw
CommissionFinal Value 30/09/2019XIRR
Kuetzal4.500,00 €4.500,00 €4.743,51 €77,49 €- €- €4.821,00 €19,36%
Envestio6.000,00 €6.000,00 €6.594,85 €92,05 €- €- €6.686,90 €17,43%
Crowdestor9.800,00 €10.100,00 €10.387,15 €112,54 €300,00 €- €10.799,69 €15,48%
Grupeer5.500,00 €5.500,00 €5.977,41 €63,24 €- €- €6.040,65 €14,16%
FastInvest2.150,00 €2.150,00 €2.350,90 €25,95 €- €- €2.376,85 €13,38%

Mintos
3.350,83 €3.350,83 €3.933,70 €56,99 €-341,67 €-2,41 €3.646,61 €
12,31%
$1.313,6560,96 €60,96 €0,23 €- €- €61,19 €
43.204,67 ₽609,70 €257,24 €3,90 €352,46 €- €613,61 €
ViaInvest1.000,00 €1.000,00 €1.066,45 €9,25 €- €- €1.075,70 €12,28%
Robocash2.000,00 €2.000,00 €2.172,46 €20,24 €- €- €2.192,69 €11,57%
Swaper5.100,00 €5.100,00 €5.323,90 €59,65 €- €- €5.383,55 €10,94%
PeerBerry950,00 €950,00 €1.023,32 €7,17 €- €- €1.030,49 €10,89%
Lenndy1.000,00 €1.000,00 €1.051,89 €7,94 €- €- €1.059,83 €10,47%
Crowdestate2.500,00 €2.500,00 €2.583,69 €16,16 €- €- €2.599,85 €8,49%
Estateguru1.000,00 €1.000,00 €1.000,00 €4,26 €- €- €1.004,26 €5,13%
Reinvest241.450,00 €1.028,21 €1.447,53 €35,58 €-421,79 €- €1.061,32 €3,95%
TOTAL46.849,70 €49.974,95 €592,64 €-111,00 €-2,41 €50.454,19 €13,80%

August 2019

(updated 08/31/2019)

PlatformInvestment
(original currency)
Investment (€)Initial Value
01/08/2019
Total Return
(*)
Deposit /
Withdraw
CommissionFinal Value
31/08/2019
XIRR
Kuetzal       4.500,00 €        4.500,00 €             4.667,74 €         75,77 €                -   €            -   €        4.743,51 € 18,72%
Envestio       6.000,00 €        6.000,00 €             6.502,04 €         92,81 €                -   €            -   €        6.594,85 € 17,29%
Crowdestor       9.800,00 €        9.800,00 €           10.108,83 €      278,32 €                -   €            -   €      10.387,15 € 15,85%
Grupeer       5.500,00 €        5.500,00 €             5.907,21 €         70,20 €                -   €            -   €        5.977,41 € 14,23%
FastInvest       2.150,00 €        2.150,00 €             2.839,11 €         31,37 € -    519,58 €            -   €        2.350,90 € 13,28%
ViaInvest       1.000,00 €        1.000,00 €             1.056,42 €         10,03 €                -   €            -   €        1.066,45 € 12,59%
Mintos       3.692,50 €        3.692,50 €             4.191,15 €         52,54 € -    307,50 € -     2,50 €        3.933,70 € 12,10%
 $       1.313,65              59,58 €                          -   €                -   €         59,58 €            -   €              59,58 € 
     18.228,45 ₽            248,69 €                          -   €                -   €       248,69 €            -   €            248,69 € 
Robocash       2.000,00 €        2.000,00 €             2.150,47 €         21,98 €                -   €            -   €        2.172,46 € 11,53%
PeerBerry           950,00 €            950,00 €             1.013,98 €           9,34 €                -   €            -   €        1.023,32 € 11,12%
Lenndy       1.000,00 €        1.000,00 €             1.039,85 €         12,04 €                -   €            -   €        1.051,89 € 10,62%
Swaper       5.100,00 €        5.100,00 €             5.269,87 €         54,03 €                -   €            -   €        5.323,90 € 10,29%
Crowdestate       2.500,00 €        2.500,00 €             2.568,23 €         15,46 €                -   €            -   €        2.583,69 € 8,61%
Reinvest24       1.450,00 €        1.450,00 €             1.442,41 €           5,12 €                -   €            -   €        1.447,53 € -0,33%
Estateguru       1.000,00 €        1.000,00 €                          -   €                -   €   1.000,00 €            -   €        1.000,00 €  N/A 
 TOTAL  46.950,77 €      48.757,31 €   729,02 €    481,19 € -  2,50 €  49.965,02 € 13,69%

July 2019

(updated 07/31/2019)

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%

June 2019

(updated 06/30/2019)

PlatformInvestmentInitial Value
01/06/2019
DepositsTotal Return (*)InterestFinal Value
30/06/2019
XIRR 
Envestio     7.000,00 €        7.292,79 € - €108,86 €108,86 €7.401,65 €17,12%
Kuetzal     2.884,13 €        2.941,63 € - €44,87 €44,87 €2.986,50 €16,58%
Grupeer     5.500,00 €        5.777,24 € - €60,16 €60,16 €5.837,40 €13,96%
FastInvest     3.000,00 €        3.101,31 € - €34,07 €34,07 €3.135,38 €13,01%
ViaInvest     1.000,00 €        1.037,89 € - €8,34 €8,34 €1.046,23 €12,70%
Mintos     3.000,00 €        3.122,90 € - €31,99 €31,99 €3.154,89 €11,66%
Robocash     2.000,00 €        2.111,03 € - €20,00 €20,00 €2.131,03 €11,39%
PeerBerry        950,00 €           994,24 € - €10,28 €10,28 €1.004,52 €10,99%
Lenndy     1.000,00 €        1.022,84 € - €10,01 €10,01 €1.032,85 €10,24%
Crowdestate     2.500,00 €        2.533,97 € - €21,59 €21,59 €2.555,56 €10,08%
Crowdestor     9.000,00 €        8.595,42 € 513,30 €102,30 €102,30 €9.211,02 €9,75%
Swaper     5.100,00 €        5.183,26 € - €36,24 €36,24 €5.219,50 €9,02%
Reinvest24     1.450,00 €        1.435,40 € - €2,59 €2,59 €1.437,99 €-2,42%
TOTAL  44.384,13 €    45.149,92 € 513,30 €491,30 €491,30 €46.154,52 €11,94%

May 2019

(updated 05/31/2019)

PlatformInvestmentInitial Value
01/05/2019
DepositsTotal Return (*)InterestFinal Value
31/05/2019
XIRR
Envestio7.000,00 €6.316,68 €884,96 €91,15 €91,15 €7.292,79 €16,33%
Kuetzal2.884,13 €2.107,54 €800,00 €34,09 €34,09 €2.941,63 €14,57%
Grupeer5.500,00 €4.717,89 €1.000,00 €59,35 €59,35 €5.777,24 €14,07%
ViaInvest1.000,00 €1.028,46 €- €9,43 €9,43 €1.037,89 €13,39%
FastInvest3.000,00 €3.067,11 €- €34,20 €34,20 €3.101,31 €12,10%
Mintos3.000,00 €2.099,86 €1.000,00 €23,03 €23,03 €3.122,90 €11,33%
Robocash2.000,00 €2.087,88 €- €23,15 €23,15 €2.111,03 €11,27%
PeerBerry950,00 €984,44 €- €9,80 €9,80 €994,24 €10,57%
Crowdestate2.500,00 €2.508,12 €- €25,85 €25,85 €2.533,97 €9,64%
Lenndy1.000,00 €1.008,62 €- €14,22 €14,22 €1.022,84 €9,48%
Swaper5.100,00 €1.169,70 €4.000,00 €13,56 €13,56 €5.183,26 €9,05%
Crowdestor8.486,70 €6.194,05 €2.350,98 €50,39 €50,39 €8.595,42 €7,41%
Reinvest241.450,00 €1.435,40 €- €2,59 €2,59 €1.437,99 €N/A
TOTAL43.870,83 €34.725,75 €10.035,94 €390,82 €390,82 €45.152,51 €11,23%

April 2019

(updated 04/30/2019)

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%

March 2019

(updated 03/31/2019)

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%

February 2019

(updated 02/28/2019)

PlatformInvestmentInitial Value 01/02/2019DepositsReturnCashback/
Commission
Final Value 28/02/2019XIRR
Grupeer3.500,00 €2.476,88 €1.101,87 €35,81 €- €3.614,56 €15,15%
Mintos1.500,00 €1.552,99 €- €14,74 €0,48 €1.568,21 €14,09%
Crowdestor2.500,00 €- €2.500,00 €16,30 €- €2.516,30 €13,44%
Swaper1.100,00 €1.139,02 €- €9,68 €- €1.148,70 €12,12%
Robocash1.500,00 €1.541,56 €- €13,07 €- €1.554,63 €12,09%
FastInvest2.000,00 €1.000,00 €1.000,00 €10,72 €- €2.010,72 €11,79%
Envestio4.500,00 €3.005,00 €1.500,00 €22,49 €7,50 €4.534,99 €11,39%
PeerBerry950,00 €958,03 €- €7,45 €- €965,48 €11,04%
ViaInvest1.000,00 €- €1.000,00 €1,05 €- €1.001,05 €1,43%
Lenndy720,00 €- €720,00 €- €- €720,00 €N/A
Reinvest241.145,77 €- €1.145,77 €- €-22,47 €1.123,30 €N/A
Kuetzal500,00 €- €500,00 €- €- €500,00 €N/A
TOTAL20.915,77 €11.673,49 €9.467,64 €131,31 €-14,49 €21.257,95 €12,18%

January 2019

(updated 01/31/2019)

PlatformInvestmentInitial ValueDepositsReturnBonusFinal Value XIRR
Grupeer2.398,13 €1.950,22 €498,13 €28,53 €- €2.476,88 €15,36%
Swaper1.100,00 €1.127,59 €- €11,43 €- €1.139,02 €11,94%
Robocash1.500,00 €1.526,24 €- €15,32 €- €1.541,56 €11,82%
Mintos1.500,00 €1.538,66 €- €13,99 €0,31 €1.552,97 €10,95%
PeerBerry950,00 €950,23 €- €7,80 €- €958,03 €9,66%
FastInvest1.000,00 €- €1.000,00 €- €- €1.000,00 €N/A
Envestio1.500,00 €- €1.500,00 €- €- €1.500,00 €N/A
TOTAL9.948,13 €7.092,95 €2.998,13 €77,07 €0,31 €10.168,46 €12,33%