P2P portfolio update February 2021

Hello P2P friends! Today, with the P2P portfolio update February 2021, there is again a detailed report on the development of my P2P portfolio. One thing I can say in advance, I invested more than the months before. On which platform, you will learn in the following article. Happy reading!


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As usual, I would like to start with the IRR ranking and then take a closer look at the individual platforms. Next it's time for the problem platforms and how I define them exactly. Then comes the Portfolio Performance interest overview, my affiliate/referral income and my change(s) for the P2P/crowdlending classes. Let's start!

IRR ranking February 2021

I've selected the 01.07.2017 as a start, as this is where I started tracking my P2P investments.

Platform
Initial investment
IRR (%)
Change previous month (%)
Invested (EUR)
Change previous month (EUR)
19.07.2017
13,51
-0,10
7787
+61
30.10.2017
10,67
-0,02
496,63
+42,93
09.11.2017
6,78
+0,01
1670
+9
14.05.2018
12,73
+0,10
1027
+32
31.07.2018
12,78
-0,10
2595
+1
11.08.2018
12,56
+0,19
305,82
+3,44
01.02.2019
9,70
+0,13
3549
+31
14.02.2019
13,23
+0,06
1245
+13
20.02.2019
10,17
-0,73
835,72
+489,74
Viventor
21.02.2019
7,89
-0,07
205,65
-18,73
21.03.2019
8,92
-0,05
15511
+120
30.03.2019
11,25
+0,09
1194
+11
12.04.2019
11,47
+0,01
1331
+11
17.05.2019
6,79
+0,47
1252
+25
20.05.2019
-8,96
+0,49
268,25
-499,75
31.07.2019
3,82
0
5706
+1000
TFGCrowd
04.11.2019
22,74
-0,22
759,37
-211,63
31.01.2020
8,54
+0,55
51,31
-40,95
15.02.2020
16,93
-0,07
479
+5,50
20.02.2020
6,73
-0,02
306,31
+1,48
04.05.2020
23,73
+4,36
57,70
+1,41
19.05.2020
19,37
+0,37
354,76
+5,22
29.05.2020
4,65
+1,79
574,43
+18,21
22.07.2020
9,41
-0,39
368,84
+182,15
28.01.2021
12,02
+12,02
50,50
0
28.02.2021
-1,62
+0,57
47981
+1293

Platforms

Since Q3 2020 I've changed the order of the platforms a bit to bring the relevant information to the fore.

Platforms with ‘problems'

As ‘platforms with problem platform' I define all platforms I'm not satisfied with as well as those where the ‘red flags' shine brighter than usual, and I'm therefore on the retreat.

 

My withdrawal of money from Viventor continued in February. Invested are still 205,65 EUR. There is nothing to be optimistic about. The last newsletter is strongly reminiscent of Grupeer, because you now have trouble in your own house, with the loan origiantor Atlantis Financiers. Anyway my IRR is still at 7,89%.

 

The situation is similar with Crowdestate, i.e. as far as my three remaining projects are concerned, not very rosy. At least I was able to sell one project from the early days at a premium on the secondary market. The IRR was -8,96% at the end of February and there is still 268,25 EUR in the account.

 

As explained in the previous month, the warning signals at TFGCrowd are piling up. There were no answers to my questions. I'm already withdrawing anyway and I continue this now consistently. Again, no recommendation! Affiliate links I have also deactivated for some time. At the end of February there are still 759,37 EUR invested at TFGCrowd. The IRR is still 22,74%.

 

And also with Debitum Network the withdrawal of my investment is going on, and much faster than with the other platforms. There is still 51,31 EUR left with an IRR of 8,54%

 

The auto invest at Linked Finance has actually managed to invest in one project. There are now projects again on a regular basis. I still leave the platform in this section of problem platforms though, as I still have too much uninvested cash lying around. At the end of February, the IRR was at 6,73% with a total investment of 306,31 EUR.


Plattforms with news
P2P (Buy-back)

At Mintos I adjusted my auto-invest a bit at the beginning of February and kicked out a large part of the loan providers. So for the time being, I relied on the previous top loan providers like DelfinGroup, etc. There was 61,99 EUR in interest. 7.787 EUR are invested as of 28.02.2021 with an IRR of 13,51%.

Even if Mintos is one of my largest platforms, still have 18% are questionable. Namely all pending payments.

Mintos* stopped the cashback for investors. Only publishers like me receive onetime 1-2% for up to 60 days depending on the invested amount.

 

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IUVO also ran in February on autopilot with invested 2.595 EUR at an IRR of 12,73%. In the previous month I had decided to withdraw the main part of the interest, i.e. about 20 EUR, and to invest on other platforms. I have continued this way. For this purpose, I have also adjusted the Auto-Invest here and am now predominantly betting on loans from the Spanish loan provider Ibancar, since this is now exclusively listed on IUVO.

Marking 10% of the capital as questionable seems to be appropriate because of the amount of HR loans.

  • For IUVO there are two different offers. Unfortunately the referral program is extremely unattractive since a few days. For the first you can contact me because unfortunately it has to be done manually, and I have to invite you. You get 1,5% cashback for investement above 1.000€. I receive 1,5% too.
  • With the 2nd offer (click on the banner) I get 5€ and 2% of the investment in the first 30 days and 3% for the investment of day 31-90

 

PeerBerry also continues to run without problems. The IRR at the end of February was 12,73% with 1.027 EUR invested. There is one news regarding the group guarantee. So far I had the following sentence in my valuation quote ‘Due to the additional group guarantee, I don't think my investment is questionable as of today'. Well that has to be revised now, as such a group guarantee does not really exist or at least stands on rather shaky ground and the Aventus Group seems to be just a trademark. So there it is the first black spot on the white vest!

One of the most solid platforms for over two years. However, the story with the group guarantee makes you think.

A while ago PeerBerry introduced a loyalty bonus, but with high requirements:

  • 0,5% for 10.000€
  • 0,75% for 25.000€
  • 1% for 40.000€

If you use my PeerBerry* link, I'll receive 5€ + 1% from investments for 60 days.

 

In addition to the ongoing good recovery of investor funds from the Polish loan providers, there is a new face at the top of the company. Pavel Klema is the new CEO. An interview with him is of course already being planned! 1.194 EUR are invested at an IRR of 11,25%.

Bondster is a young platform, so I'll put 30% of the capital as questionable as well, because of the loans from Poland.

There is a 1% cashback after 30, 60 and 90 days at Bondster*. I receive 2% .

 

P2B (Real estate)

In February I used the cashback campaign at Reinvest24 and increased my investment again a bit. The calculated IRR is 10,17% with now invested 835,72 EUR. So I was able to reinvest almost 500 EUR. There will be some exciting blog posts about Reinvest24 in the near future. Be curious!

I consider 10% of my investment as questionable, as ReInvest24 is still a young platform.

If someone wants to invest directly over ReInvest24* there is a 10€ bonus. I receive 1%.

 

At EvoEstate, the last skin-in-the-game project was some time ago. Since I like the projects of the Spanish project originator Urbanitae very much, I invested a whole 1.000 EUR in this project after a bit of due diligence. 5.706 EUR are currently invested in 82 projects with an IRR of 3,82%. Furthermore, there is a bit of negative news for one or the other. The minimum investment was increased from 50 EUR to 100 EUR. Furthermore there is a fee of 2% for sellers on the secondary market. In addition, there will be no more projects from six project initiators in the future. You can read all this on the official EvoEstate blog.

Although, EvoEstate is still one of the younger platforms. I don't (any longer) consider my capital to be questionable.

For EvoEstate there is a 0,5% cashback for 6 months with this link*. I get 0,5% too and one-time 5€.

 

Test balloons

I introduced Moncera a while ago and also had an interview with CEO Dmitri Pavlov. I continue to run the platform as a test balloon, yet I increased my investment here, which I wanted to let you know. In addition, there was also a somewhat larger referral payment. So in February there are now 368,84 EUR invested on the platform with an IRR of 9,41%.

If you use my Moncera link* I will receive 1% on all deposits made by you in the first 60 days. This also supports my blog, so I want to say thank you in advance!


Platforms without relevant changes

Crowdlending

There was nothing great to report in February for Crowdestor. Smaller projects were successfully repaid, nevertheless the number of delayed projects has increased to about 43% (+4%). As announced, I will now report on this metric on a permanent basis. At the end of February, 15.511 EUR were invested with an IRR of 8,92%.

Further, because of the risk of the platform and projects, 50% of the investment is ‘questionable' to me (regardless of the ~43% delayed projects). Especially due to the Corona pandemic, which will have a massive effect on tourism and restaurants.

With my link* there is 1% on top for 90 days on your investment! My reward is 1% too.

 

P2P (Buy-back)

No relevant news from Lendermarket im February. IRR is at 16,93%. Lendermarket itself shows me 13,95% with 479 EUR Investment an.

Because the platform is new and I only invested a few euros I won't put capital as questionable for now.

On the platform you get 1% cashback if you are using my link*. Currently, in total up to 17%! My reward is 5€ onetime + 1,5%

 

At Swaper as always no news and changes, runs just so through. 305,82 EUR are invested with an IRR of 12,56%.

Because I just have a few Euros invested I won't put it as questionable for now.

If you use my link* my reward is onetime 5€ + 2% cashback for 90 days.

 

Everything is the same at Viainvest, like in the previous months. The IRR in February was 11,47%  with invested 1.331 EUR.

In my opinion Viainvest is quite solid and so 0% of my capital is questionable.

For the start at Viainvest* there is a 15€ bonus. For this only 50€ need to be invested. I'm also rewarded with 15€ if you register with my link.

 

Another platform where no intervention was necessary in February is Twino. Here, 10,67% of the invested 496,63 EUR are booked.

Because I just have a few Euros invested I won't put it as questionable for now.

Here* you can register. If you invest 100€ we both are rewarded with a bonus of 15€.


P2B (Real estate)

At Estateguru I'm again invest manually. My account shows 3.549 EUR in February with an IRR of 9,70%.

I don't consider my invested capital to be ‘questionable'. So far EstateGuru has always ensured recovery.

At EstateGuru* there is a 0,5% cashback for 3 months. I also receive the cashback and in addition 5€.

 

Furthermore, 1.252 EUR are invested in 22 projects. The IRR at Bulkestate decreases to 6,79% due to the many bullet projects. Further development of the Aleksandra Apartments I project is moving forward. Small March teaser: Some projects have already been successfully repaid!

I think about 9% of the capital is questionable, because of the two delayed projects and because I do not know how well the recovery is working.

If you use my link* I'll receive 1% cashback for 180 days and one-time 5€.


P2P

With NeoFinance, things are also running smoothly so far, the red credits are at least no longer increasing that much. At the end of February 1.245 EUR are invested in NeoFinance and the IRR is 13,23%. I don't count the red credits as defaults so far, since they do make a payment from time to time. The manually selected loans have very strict criteria. I try to check in 1-2 months whether this change is crowned with success. The following screenshots show a comparison of January 2021 and February 2021.

The return calculated by the platform is now 13,81% after an adjustment of the calculation. There is a deduction of 15% withholding tax (can be reduced to 10% by the way).

At least the 91-270 days overdue loans I have to mark as questionable even though some of them might pay in the future. I think 18% of the capital is questionable in the current situation.

NeoFinance* changed and lowered their offer too. There is 1% cashback for you and me for 90 days.


P2P (Short-term)

Go & Grow

Go & Grow I mainly use for a small part of my cash and will also use it for my side hustle and savings for insurance payments. Because of the withdrawals from time to time and the fee of 1€ IRR is at 6,78%. However, I do not want to miss the liquidity available here. The total investment is 1.670 EUR.

I don't think my investment here is in question. Bondora has enough leverage.

5€ are available for you at Bondora* right after registration. If someone wants to invest a larger amount, just send me a message because I get 5% of your investments and I share my bonus (2,5% for you).


Test balloons

Strictly speaking, I added Quanloop to my portfolio as a test balloon in April. Also, I did an interview with them. I'm only invested with 57,70 EUR and the IRR was 23,73% in February. My AI setup is 13-14%. In May, it's one year since the start of my test balloon, then I write a review.

If you are interested in the platform, you can use my link* to get a 5€ bonus. My reward is 2,5% cashback.

 

API

With my 3rd test balloon, which I started in May I want to test it again and try to invest with very strict criteria via the Bondora API. For this I had a virtual sub-account created so that I could track the results. Currently, my investment is 354,76 EUR with an IRR of 19,37%.

5€ are available for you at Bondora* right after registration. If someone wants to invest a larger amount, just send me a message because I get 5% of your investments and I share my bonus (2,5% for you).

 

The British platform AxiaFunder offers investing in an area I haven't seen before because they offer investing in litigation cases. You can find an interview with CEO Cormac Leech at explorerp2p.com. Very worth reading! My investment is £500. Yes, that's the minimum investment and a lot. You have to bring some capital with you in order to have proper diversification. The same is also possible for a total loss and even a loss of more than the invested money. There may even be a margin call already in the new year. On the positive side returns of 20-30% p.a. are possible. So it's a high risk test balloon! In February the IRR is 4,65% due to currency effects.

If AxiaFunder is an interesting platform for you, I would be happy if you use my link*. My reward is 20€ + 3% of the investment.

 


In January, I opened a new test balloon, namely at LendSecured. The platform offers land plot projects and real estate projects. However, in the coming weeks, it will launch another type of loan that I find quite exciting. More on that in a separate blog post. Initially, I invested 50 € in a first project and immediately bagged 1% cashback. So the account currently shows 50,50 EUR.

If you are interested in LendSecured, you can use my link*. I will receive 10 € for the successful registration + 1% cashback for 180 days.


Portfolio Performance – Erträge

In February there was no write-off, therefore there was also significantly more in interest, namely 337,45 EUR.


Affiliate/referral income

I mentioned that I'll be more transparent regarding income of affiliate sources. You have seen that I write down what I get in return if you're using my links. Furthermore, I will update you here about my affiliate income in February. I haven't received it yet, under normal conditions I get it in the following months. But in total it's 28,13 EUR from five platforms.

Referral income I received from the following platforms:


Summary

That's it again with my P2P portfolio update February 2021. So I'm back above my 300 mark, which is now to remain so. The withdrawal on individual platforms is starting so slowly and the interest will continue to rise. By withdrawing interest from individual platforms and investing selectively on others, I hope for a little more continuity in terms of interest income.


Distribution by P2P/Crowlending classes

Below you can find my distribution between the individual P2P / crowdlending classes for February.

  • 32,95% (-0,26%) P2P (Buy-back)
  • 33,90% (-1,10%) Crowdlending
  • 0,87% (-0,10%) P2B
  • 24,25% (+1,61%) P2B (Real estate)
  • 3,34% (-0,05%) P2P
  • 3,49% (-0,07%) P2P (Short-term)
  • 1,20% (-0,02%) Misc. (AxiaFunder)

I hope you found my summary interesting as always. I am always open for constructive criticism and suggestions. Follow me on Instagram. There I post not only about P2P and crowdlending, but also about stocks, dividends and options. So have a look! We will read about the next portfolio update in March.


About new projects on Twitter, Instagram and Facebook

On my own behalf, I would like to mention that I also present new projects on Twitter (kaph1016) and Instagram (investdiversified) in which I invest myself. Also, on Facebook I have a page. There are also a few insights into how I invest in other areas. So just follow me :).

*Some links in my posts are affiliate or referral links. That means I get a little bonus. For each of those who use these links, however, there are no costs or other disadvantages. On the contrary, there is usually a start bonus or cashback. So if you use these links, you support my blog and for that I say thank you in advance!

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4 comments

  1. Hello, I came here, after starting to invest with Quanloop. It’s my first loan platform that I use and it seems it works in totally different way from other platforms. Meaning, that you don’t pick where to lend, but you just set a desirable risk profile. I am looking forward to your review on May.

    1. Hi hi. Yeah it’s different than others. To be honest it’s still very intransparent and I won’t invest more money as the few Euros for the test balloon.

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