P2P portfolio update January 2022

Welcome to the P2P portfolio update January 2022! Today's post has everything your heart desires. Disappointments, drama, surprises. Be curious and have fun reading!

First comes the IRR ranking, as usual, and then a closer look at the individual platforms. I have adjusted the subdivision of the platforms once again because it has led to confusion here and there. There are the categories ‘(Re)invested‘, ‘Withdrawal phase‘ and ‘Investment expires'.

‘Strategy'

My strategy for 2022 will be adjusted to the extent that the cash flow from interest on the platforms will remain or at least only be redistributed within the platforms. The goal is to increase the investment on as many platforms as possible to such an extent that I can receive 25 EUR in interest every month (if I want to!).

IRR ranking January 2022

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

Platforms

(Re)investing

I continue to reinvest on the following platforms and plan to increase the investment in a targeted manner in order to maintain a monthly cash flow of at least EUR 25 or even increase it beyond that.

P2P (Buy-back)

There was a major change at Mintos right at the beginning. Since I switched to the conservative strategy, I wanted to test how quickly the liquidity would be available to me and therefore paid out a large chunk. The result was pleasing, because within one day the loans were sold on the secondary market. Actually, I had planned to put the withdrawn amount back on Mintos immediately, but a few opportunities opened up on the stock market. But postponed is not cancelled! The sum will be deposited again soon. The IRR at the end of January was 12,03% with 5.792 EUR invested.

Even if Mintos is one of my largest platforms, still 18,2% of my investment is questionable. Namely all pending payments and loans in recovery.

Mintos has temporarily suspended its affiliate program again.

IUVO reported last year's results in January and they were quite good. Both net deposits and the portfolio have grown significantly. You can read all about it here. Invested with me are 1.756 EUR of 11.78%.

Currently, 22,9% of the investment is questionable due to the Polish CBC 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 investment 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

Lendermarket continues to perform very solidly even in its new look. My performance at the end of January was an IRR of 15,70% on an investment of 1.096 EUR. 

Because the platform is new and I ‘only' invested 1.000 EUR 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 16%! My reward is 5€ onetime + 1,5%

The situation is similar for Swaper, except the new color setting. At the end of January, the IRR was 12,73%. All this with an investment of 541,90 EUR.

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.

Twino's IRR in January was 10,80% with 1.082 EUR invested. As mentioned last month, Twino seems to want to enter India as a market in the future! This can be seen in the open positions, where e.g. a COO is being sought. Most interesting! Indian loans could further diversify my portfolio.

So far, the platform has been running so solidly for almost 4 years that I don't consider my investment questionable.

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

At Moncera, 573,20 EUR was invested at the end of January with an IRR of 9,82%. So the return is still a little bit below 10%. By the way, there is a new bank account, please note that if you want to make a deposit.

1 1/2 years of investment in Moncera and the still small investment amount do not let me consider this investment as questionable.

If you use my Moncera link* we both receive 0,5% cashback on all deposits made by you in the first 60 day.

No new loans have come in since the last update. This is suboptimal, of course, since I increased my investment in Afranga in January. Part of it is not yet invested. In total, there was 704,23 EUR on the platform at the end of the month with an IRR of 14,13%.

As always with new platforms, I test the entire platform first with a small amount and share my observations. Due to the still small amount invested, the investment itself is not questionable.

If you are interested in Afranga, you are welcome to use my link* and support my blog. Unfortunately, only I receive 1% cashback. Prerequisite for this, you invest >500 EUR.

Esketit is another candidate that I had stocked up a bit. 100 EUR were newly added. The IRR is currently at 13,25% with invested 374,24 EUR.

Of course, this is also a test balloon. I look at the whole thing over a longer period of time before I strongly increase the investment. Nevertheless, the investment should be increased further. Due to the low investment amount, I do not see the investment as such as questionable.

For the curious, there is 1% cashback on the investment for the first 90 days at Esketit with my link*. I also receive this as compensation + one-time 5€.

At Robocash, 675,04 EUR were invested in the account at the end of January with an IRR of 10,19%.

Due to the increase, but still a small investment amount, I do not see the investment as such as questionable. Moreover, Robocash has quite a long track record.

If you are interested in Robocash, you can use my link* and support my blog. As compensation, I get 1% cashback after 90 days and a one-time 5€.

Income Marketplace is working relatively quietly. In the last weeks there was a chance to make an equity investment in the platform via Seedrs*. The investment was 526,95 EUR at the end of January with an IRR of 10,49% on.

500€ is of course not a small amount for a test balloon, but without some skin-in-the-game experience reports are not authentic. I do not see the investment as questionable.

If you want to test the platform there is 1% cashback for you if you use my link* and use the code CLHOFU during registration. I receive 1% too + one-time 20€.

PeerBerry is running quietly. Regarding the Russia-Ukraine crisis, I have not noticed any delays so far. My IRR was 12,57% with 1.056 EUR invested.

One of the most solid platforms for over three years.

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 the meantime, Bondster also has a new color setting incl. logo. The IRR at the end of January was 11,34% with 1.226 EUR invested.

I still see Bondster as a young platform and even if the collection of Polish loans works out very well, I see 30% of the investment as questionable.

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

The IRR at Viainvest was 11,65% on an investment of 1.398 EUR. One piece of information that is already available to me as I write this blog post is the reduction of interest rates from Swedish, Romanian and Czech loans to 10%.

In my opinion, Viainvest is very solid and therefore I do not consider my investment 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.

P2B (Real estate)

Furthermore, the interest rates at EstateGuru are slightly decreasing. At the end of January, 3.540 EUR were invested with an IRR of 9,58%.

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€.

There was a little movement at Reinvest24. Two projects were successfully repaid in January and I have invested in two new projects. The IRR is currently at 7,84% with invested 1.781 EUR. As announced in the last update, Reinvest24 is now on position 5 in my portfolio.

Even though Reinvest24 is still one of the younger platforms, I do not consider my invested capital to be questionable.

If you want to invest on ReInvest24*, there is a 10€ bonus for you. I'll receive 1% of the investment.

Big changes are coming to EvoEstate. Logically, this would actually be mentioned in the February update, but I prefer the news because of its significance. EvoEstate and InRento are merging! You can read everything important here. You can (and should) watch a Q&A with the CEOs Gustas and Audrius here.

A total of 5.926 EUR is invested in EvoEstate at the end of January, with an IRR of 3,12%. By the way, the calculated return differs strongly from the ‘Net Annual Returns', which is 10,97%, due to final maturity projects.

I welcome the merger as it brings some advantages for us EvoEstate investors. If you would like to invest in InRento in the future, you could still register with EvoEstate to secure the 100 EUR minimum investment for after the merger.

For EvoEstate there is a 0,5% cashback for 6 months with this link*. I get 0,5% too and one-time 5€. Currently there is also 1.5% cashback for investments on the primary market!

Alternatively, you can also register via my InRento* link, for this you will receive a 20€ bonus, while I receive 50€. However, the minimum investment is then 500€, which is why the upper variant is to be preferred!

At Bulkestate I have once again invested in a new project (I didn't want to leave the free funds lying around) and this despite my negative words in the last portfolio update. 878,61 EUR are invested, … you know, maybe more or less. The IRR was at the end of January at 8,51%.

I think about 5% 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*, you will receive 1% cashback on your first investment until 28.02.2022. I'll receive 1% cashback for 180 days and one-time 5€.

P2B

Quietly, Quanloop is generating cash flow, albeit still at a low level. At the end of January, 64,54 EUR were invested there. The IRR is at 18,03% due to the earlier investment, but should quickly drop to a normal level.

I'm sort of continuing the experiment, only with a bit more cash, in the medium term I had in mind 500-1.000 EUR. And of course I will report about everything.

If you register with Quanloop via my link*, you will receive a bonus of 5€. I get 2,5% cashback.

In January I was able to invest in a new project at LinkedFinance again. The IRR is currently at 7,35% and a total investment of 328,74 EUR. When I see that more projects are posted again, I plan to increase the investment up to 1.000 EUR.

So far, exclusively paying or already repaid projects. Therefore, I do not consider my investment questionable.

Linked Finance doesn't have an affiliate program, so there's nothing for you or me. Nevertheless, you can register here if you like.

P2P

At NeoFinance, the lack of new loans is noticeable lately, these are usually financed again very quickly. Currently 1.393 EUR are invested at NeoFinance with an IRR of 13,11%.

The return calculated by the platform is now 14,23% 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 approx. 19% 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 6,66%. At the end of January, such a debit took place and there was only 4,78 EUR invested there. However, the account will be replenished soon.

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

A 5€ bonus is available for you at Bondora* right after registration.

Crowdlending

LendSecured is one of the smallest investments, which should (still) change soon. At least 500 EUR should work there and earn interest. This is still the plan, but the free funds are missing. At the end of January, 110,07 EUR were invested there with an IRR of 11,08%.

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

Withdrawal phase

Crowdlending

The new year starts with less interest than in December, but 87,77 EUR is ok. My ratio, the delayed projects, increases 61% due to more successful repayments of smaller projects. My investment at the end of January was 13.754 EUR with an IRR of 8,71%.

Further, because of the risk of the platform and projects, 50% of the investment is ‘questionable' to me (regardless of the ~61% delayed projects). Especially due to the Corona pandemic, which will have a massive effect on tourism and restaurants.

With my link* there is 1% cashback for 180 days! I receive 1% too + one-time 10€.

Investment expires

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 initial investment was £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. My test project is still floating in the air (I'm not allowed to give more details). On the positive side returns of 20-30% p.a. are possible. So it's a high risk test balloon! In January the IRR is 4,89% due to currency effects.

I'm therefore letting my investment expire (if possible), because you need a lot of capital for a reasonable diversification. I don't have that and I'm not willing to invest that much there either.

If AxiaFunder is an interesting platform for you, I would be happy if you use my link*. My reward is 30€.

There were no principal repayments at Crowdestate in January. The complete exit is thus dragging on. The IRR was -7,75% at the end of January and there are still 157,44 EUR on the account.

Portfolio performance income

2022 starts relatively weak with 280,16 EUR interest. However, this is also due to the outflows and conversions on the individual platforms.

Distribution by P2P/Crowlending classes

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

• 37,04% (P2P (Buy-back)
• 30,64%  Crowdlending
• 0,87% P2B
• 27,03% P2B (Real estate)
• 3,08% P2P
• 0,01%  P2P (Short-term)
• 1,33% Misc. (AxiaFunder)

Affiliate/referral income

I would say that I'm one of the most transparent bloggers when it comes to affiliate and referral income. Therefore, there is also pure transparency for January. Namely, there was no affiliate revenue at all.

Nevertheless, there was referral income from the following platforms:

• Quanloop*: 21,69 €
• Reinvest24*: 24,21 €
• Twino*: 15 €
• Viainvest*: 15 €

Summary

As already mentioned, the new year got off to a weak start in terms of interest rates. As a result, I'm of course miles away from my target of 90.000 EUR, which is very sporty anyway. However, if my changes take effect, I am confident that the whole thing will go in the right direction. At the end of the month, I was completely surprised to receive a refund from the insolvency administrator of Kuetzal. I really would not have expected that anymore! With patience, something may still be recovered from other platforms.

I hope you found my summary interesting as always. I'm 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! That's it for today's post, see you again at the P2P portfolio update for February. Stay healthy!

Feel free to let me know in the comments how your P2P investments are going or which platforms you have worries and concerns about!

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!