P2P portfolio update June 2021

Hello dear friends of a stable cashflow! Today there is again an update on the changes in the P2P portfolio with my P2P portfolio update June 2021. In June, there was indeed a breath of fresh air in the P2P portfolio with two new platforms. Happy reading!

First comes the XIRR 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'

Another thing about the current strategy. Currently, I withdraw from platforms that bring me more than 10 EUR interest per month and build up some cash or redistribute it to other platforms. So I'm much more flexible and can consider whether I use it in the following month to specifically increase a platform or leave it as cash and invest elsewhere if necessary.

IRR ranking June 2021

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

Platforms

(Re)investing

Currently I'm in a kind of withdrawal phase or consolidation / reallocation. On the following platforms, however, I continue to reinvest and plan to increase the investment moderately in some cases.

P2P (Buy-back)

I took advantage of the cashback campaign and added a lot more in June (+305,61 EUR). My IRR was at 15,81% at the end of the month. The investment is now 1.005 EUR.

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 16%! My reward is 5€ onetime + 1,5%

I have also slightly increased the investment in Swaper. In June the IRR was 12,36% with an investment of 502,38 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.

The next increase was in Twino. Here, too, I wanted to invest 1.000 EUR. End of June the IRR was 10,46% with an invested 1.002 EUR.

So far, the platform has been running so solidly for 3 1/2 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€.

There was no change in Moncera. With an invested 527,94 EUR and an IRR of 9,96%, I will now observe the situation again for a while before I think about a further increase.

I'm watching the platform very closely, but so far I have no reason to consider my investment questionable. Nevertheless, the platform is of course very young.

If you use my Moncera link* I'll receive 2% on all deposits made by you in the first 60 days and one-time 5€. This also supports my blog, so I want to say thank you in advance!

There was no increase at Afranga in June, but this has already taken place in July. At the end of June, the total investment was 280,70 EUR with an IRR of 11,84%.

As always with new platforms, I test the whole thing first with a small amount and share my observations. Afranga is also a candidate like Moncera, where I could imagine to increase the investment a bit faster. Due to the small investment amount, I don't see the investment as such as 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.

In June, there were two more new additions. The first new platform is called Esketit and is the platform spin-off of the Creamfinance Group, which is already known from Mintos. Esketit also has a small special feature, namely that it offers loans from Jordan. My initial investment was 250 EUR, including the start-up bonus and the first interest, there is now 253,10 EUR in the account with an IRR of 4,44%.

Of course, this is also a test balloon. I'm looking at the platform over a longer period of time before I increase the investment further, however, there will also be a little more skin-in-the-game with the test balloons than before. Due to the low investment sum, 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€.

Newcomer #2 has been around for quite a while. But somehow the platform never made it into my portfolio, although it has proven to be very solid. I'm talking about Robocash, where I also started with an initial 250 EUR, mainly in loans from Singapore. Through small interest payments, there are now 250,13 EUR on the account with an IRR of 0,95%.

I would also classify Robocash as a test balloon for now, although I will probably increase the investment here sooner. Due to the low investment amount, I do not see the investment as such as questionable.

Interessiert ihr euch für Robocash, könnt ihr gerne meinen Link* benutzen und so meinen Blog unterstützen. Als Vergütung erhalte ich 1% Cashback nach 90 Tagen und einmalig 5€.

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€.

P2B (Real estate)

At EstateGuru I continue to reinvest manually. Since no suitable projects were available for a longer period of time in June except for the 100th stage of a stage loan, I have withdrawn free money. Invested at the end of June were 3.360 EUR with an IRR of 9,67%.

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€.

At the beginning of July, I reported in a separate blog post about the first German project at Reinvest24. I had already invested in this project and in another one from Latvia in June. The calculated IRR at the end of the month was 8,37% with invested 1.289 EUR. 

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

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

I placed parts of the withdrawn funds from EstateGuru with EvoEstate in June and invested them in three other projects. In addition, some projects came back in whole or in part. 5.881 EUR were invested as of 30.06 with an IRR of 3,75%. By the way, the calculated return differs strongly from the “Net Annual Returns”, which is 11,01%, due to final maturity projects.

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€.

P2B

Many new projects are still not coming in at LinkedFinance, but the free capital is also not enough for another one. I will therefore just let this continue. The IRR was 6,80% at 30.06 with a total investment of 313,31 EUR.

So far exclusively paying or already repaid projects. Only the lack of new projects clouds the entry. I do not consider my investment questionable at the moment.

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

With NeoFinance, things are also running smoothly so far, the red credits are at least no longer increasing that much. At the end of June 1.299 EUR are invested in NeoFinance and the IRR is 13,29%. 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. Since I have been doing this specifically, the number of loans that are up to 90 days late has felt to be declining somewhat. However, I have yet to back up this observation with numbers. NeoFinance is one of the platforms where I have not paid out any interest, as there is a withdrawal fee. In the following screenshots a comparison of May 2021 and June 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 approx. 17% 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 6,75%. However, I do not want to miss the liquidity available here. The total investment is 1.614 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.

Crowdlending

With LendSecured, I continue to wait to get a real feeling for the platform. In June, 102,42 EUR was invested with an IRR of 8,09%.

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

Withdrawal phase

P2P (Buy-back)

There was little to report on Mintos in June, except that interest rates have dropped again for some loan initiators. Partly there is 5%, which is definitely too low. As of 30.06.21 were still 7.886 EUR on the account. 60 EUR of interest I withdrew after recording the numbers. The IRR was 13,01%. In July I will have a closer look at Mintos and if necessary reduce the position a bit.

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.

I have temporarily switched from the affiliate link to the referral link at Mintos* to be able to use the advantages of the Mintos Investor Club at some point. Unfortunately nothing changes for you, only I get a bonus from 10 EUR at 500 EUR investment.

Also at IUVO the usual 20 EUR were deducted again in June. 2.605 EUR were invested at the end of June with an IRR of 12,45%. In July, the auto invest will be stopped temporarily, as I will probably halve the position in IUVO. More about this in the upcoming update!

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 continues to run silently. There were even some loans available again with slightly higher interest rates (up to 12%). My IRR was at the end of June at 12,82% with invested 1.040 EUR. Here I had also started to withdraw monthly 10 EUR cash.

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.

The important first! The interview will be published in a few days. Otherwise, there is little to report. The IRR was at 11,30% at the end of June with 1.208 EUR invested. Again, I'll withdraw 10 EUR at the end of the month.

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, 60 and 90 days at Bondster*. I receive 2% .

There was no cash drag in June. The IRR was still 11,56% with invested 1.352 EUR. As with some other platforms, I have withdrawn 10 EUR.

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

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.

P2P (real estate)

There was small interest at the end of the month at Bulkestate in June. In addition, there was another project repayment, which I also had paid out again. At the end of June, 989,75 EUR were invested and the IRR was 7,34%. As mentioned last time, Bulkestate's numbers here are inaccurate due to some partial redemptions. Both the invested amount and the XIRR should be somewhat higher.

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. However, refinancing on Crowdestate is a step in the right direction.

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

Crowdlending

I don't want to say too much about Crowdestor. I'm significantly reducing my investment and deducting all returns. As of today, the cash flow simply does not match the invested amount! My new ratio, the delayed projects, decreased slightly the first time to now 55% (-1%). I deliberately took this risk by buying projects on the secondary market, it must also be said for the sake of completeness. My investment at the end of June was 15.121 EUR with an IRR of 8,76%.

Further, because of the risk of the platform and projects, 50% of the investment is ‘questionable' to me (regardless of the ~55% delayed projects). Especially due to the Corona pandemic, which will have a massive effect on tourism and restaurants.

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 June the IRR is 4,58% 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 50€.

Of course, NOTHING happened at Viventor in June. I expect to write off the platform in June. “Invested” are still 206,11 EUR or more or less, the numbers are not correct anyway. But my IRR is still at 7,39%. Nevertheless, stay away from the platform!

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The situation is similar with Crowdestate, i.e. as far as my two remaining projects are concerned, not very rosy. The IRR was -8,11% at the end of June and there is still 168,25 EUR on the account.

At Debitum Network, the withdrawal of my investment is proceeding a bit faster. There are still 23,43 EUR left with an IRR of 8,67%. 

As explained in previous months, the red flags at TFGCrowd are piling up and there is no recommendation from me! In June, 409,86 EUR are still invested at TFGCrowd. My projects I put with a discount on the secondary market unfortunately have a bit too much competition. The IRR is still 17,99%.

Portfolio performance income

I was just able to crack the 300 EUR feel-good limit in June with 303,63 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. In addition, I would like to give an update on my affiliate income in June. This one was a positive outlier and I was able to collect a total of 118,90 EUR, spread over eight platforms.

Referral income I received from the following platforms:

• Reinvest24*: 1,98 €

Summary

That's it again with my P2P portfolio update June 2021. As mentioned, the consolidation continues in order to further increase and above all stabilize the cash flow. Nothing is more reassuring than a steady, consistent cash flow! In the July update, there will also be another new portfolio addition. So stay tuned!

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

Distribution by P2P/Crowlending classes

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

• 36,78% (+2,12%) P2P (Buy-back)
• 31,72% (-1,56%) Crowdlending
• 0,68% (-0,01%) P2B
• 23,72% (-0,44%) P2B (Real estate)
• 2,64% (-0,03%) P2P
• 3,28% (-0,05%) P2P (Short-term)
• 1,18% (-0,03%) Misc. (AxiaFunder)

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! We will read about the next portfolio update in August.

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!