Hello dear readers! Yes, in October there was unfortunately no portfolio update, it has simply not enough time. Therefore, today there is the double drone with the P2P portfolio update November and October 2021. Both months were quite pleasing in terms of cash flow. Which platform(s) had a share in this, you can read in the blog post. Enjoy 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'.
The current procedure has not changed, i.e. I currently withdraw interest payments from platforms that bring me more than 10 EUR interest per month and build up some cash or shift it to other platforms. This way, I'm much more flexible and can consider whether to use it in the following month to specifically increase a platform or leave it as cash and invest elsewhere if necessary.
IRR ranking November 2021
I've selected the 01.07.2017 as a start, as this is where I started tracking my P2P investments.
Change previous month (%)
Change previous month (EUR)
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.
Lendermarket actually kept its word and published an audited annual report, which you can find here. Apart from that, not much happened on the platform. I didn't use the Autumn Cashback campaign, which again offered 2% cashback on deposits. It didn't have that much impact on my IRR, which was 16,10% at the end of November. The investment is now 1.072 EUR. I would also like to transfer Lendermarket (temporarily) into the withdrawal phase, but unfortunately withdrawals are only possible from 50 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%
Swaper remains one of the most opaque platforms, but also one that delivers, at least in terms of numbers. At the end of November, the IRR was 12,73% with an investment of 530,27 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 IRR at Twino was 10,95% in November, so it has increased slightly since the September update, with 1.060 EUR invested. In fact, that's all that happened, at the beginning of December I withdrew 10 EUR of interest.
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, 568,54 EUR were invested at the end of November with an IRR of 9,88%. So the whole thing seems to be leveling off at just under 10%.
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* we both receive 0,5% cashback on all deposits made by you in the first 60 day.
It was only a matter of time that interest rates would be adjusted accordingly. Previously, 14%+ loans were available at Afranga. But by October, it was already apparent that the primary market had run dry. The new batches of loans that were set have ‘only' an interest rate of 12%. The investment totaled 390,05 EUR at the end of November with an IRR of 15,14%. Afranga is one of the platforms that I would like to raise to 1.000 EUR in a timely manner.
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.
Esketit's development also continues to look decent. End of November 267,62 EUR were invested with an IRR of 13,06%.
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€.
The potential increase at Robocash I have implemented in early November and transferred 400 EUR there. At the moment there are 661,34 EUR on the account with an IRR of 8,21%.
Due to the increase, but still a small investment amount, I do not see the investment as such as questionable.
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€.
In the interview with CEO Kimmo Rytkönen you can learn more about the platform, otherwise Income Marketplace runs completely silent. The investment is now 515,46 EUR with an IRR of 8,93% 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.
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€.
P2B (Real estate)
With EstateGuru nothing is paid out, instead I reinvest as soon as 50 EUR are accumulated. At the end of November, 3.506 EUR were invested with an IRR of 9,85%.
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€.
In October I diligently collected interest, then in November I added another project. I like Reinvest24 very much, especially now that the fee structure has changed a bit. What changes there were exactly, you can read in this blog post. The IRR is at the end of November at 7,70% with invested 1.632 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.
EvoEstate has added the first spot to its previously blank slate. It is not yet completely certain, but one of my total of 60 projects, is expected to have a final return of -35%. Happens! In total, 5.940 EUR are still invested at EvoEstate with an IRR of 2,98%. By the way, the calculated return differs strongly from the ‘Net Annual Returns', which is 10,99%, 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€.
There is a comeback! My small 50€ test balloon I had successfully finished in the middle of the year. And now I want to know the whole thing with something more skin-in-the-game again! The platform remains further intransparent as fuck, but I have one or the other, which ‘still' does what it should. For starters, I transferred a whole 63,77 EUR to Quanloop and the platform switched directly to payout mode, i.e. interest is paid directly to my account.
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.
Wenn ihr euch bei Quanloop über meinen Link* registriert, erhaltet ihr einen Bonus von 5€. Ich erhalte 2,5% Cashback.
LinkedFinance continued to run smoothly in October and November. Soon there will be enough cash again to invest in another project. The IRR was at 7,26% at the end of November with a total investment of 324,33 EUR. When I see more projects being posted again, I plan to increase the investment there up to 1.000 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.
With NeoFinance, things are also running smoothly so far, the red credits are at least no longer increasing that much. At the end of November 1.366 EUR are invested in NeoFinance and the IRR is 13,22%. 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 October 2021 and November 2021.
The return calculated by the platform is now 13,84% 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.
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 6,69%. The tapped reserve in September was replenished at the end of November and there is now 671,59 EUR there.
I don't think my investment here is in question. Bondora has enough leverage.
A 5€ bonus are available for you at Bondora* right after registration.
LendSecured is one of the smallest investments, which should change soon. At least 500 EUR should work there and earn interest. This is still the plan, but it was not implemented in October, nor in November. At the end of the month, 108,38 EUR was invested there with an IRR of 11,42%.
If you are interested in LendSecured, you can use my link*. I'll receive 10 € for the successful registration + 1% cashback for 180 days.
In October there was a small rarity on Mintos, namely I had cash drag, which I solved by withdrawing free funds. Also, in November I deleted all auto-invests and switched to the conservative strategy. Why? Well, in the meantime I was forced to readjust the auto-invests of the individual loan providers almost daily in order to be able to invest anything at all. In addition, the interest rates are significantly down, through the automatic strategy I am more flexible. Currently there are 7.052 EUR on the account. The IRR is 12,37%. Furthermore, I plan to top up at Mintos.
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.
On IUVO 1.732 EUR were invested at the end of the November with an IRR of 11,95%. Otherwise, everything has been running as usual there since October. There was still one small thing. The platform has introduced IuvoUP, a Bondora Go & Grow-like feature, which, however, only brings 3-4% at 6 or 12 months term and is therefore not relevant for me.
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 continued to run silently for the last two months. My IRR was at 12,70% with invested 1.049 EUR. Here I had also started to withdraw monthly 10 EUR cash.
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.
Nothing important to report at Bondster, too. The IRR was at 11,41% at the end of November with 1.215 EUR invested. Also, 10 EUR will be withdrawn every 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.
Unspectacular was the keyword of the last two months at Viainvest, so I had written it in the last P2P portfolio update. This has continued in October and November. The IRR was 11,66% with an investment of 1.367 EUR. As with other platforms, I deduct EUR 10 per month in interest here.
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)
Bulkestate is currently bugging me a bit, even though I've been assured that they are planning improvements. What's the issue? About the numbers, with which I can do virtually nothing. Due to partial redemptions, I can't reasonably track my performance etc. and the return is certainly not correct either. I have withdrawn free money and currently there are 907,08 EUR invested. The IRR was at the end of November at 7,52%.
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* I'll receive 1% cashback for 180 days and one-time 5€.
The months of October and November were quite pleasing in terms of interest payments at Crowdestor. 120,06 EUR and 148,04 EUR were transferred to me. Nevertheless, the cash flow remains inconstant as fuck and if you put the invested amount in relation to it, it is still too low. However, especially the smaller projects are now paying interest more frequently again and some of them have been successfully completed. My ratio, the delayed projects, rises thereby again to approx. 56%. My investment at the end of November was 14.307 EUR with an IRR of 8,55%.
Further, because of the risk of the platform and projects, 50% of the investment is ‘questionable' to me (regardless of the ~56% 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€.
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 November the IRR is 3,79% 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€.
The last recurring repayments at Crowdestate are also already suspended again. At least there are news about the projects every now and then. The IRR was -7,85% at the end of November and there are still 168,25 EUR on the account.
For the last time there is no recommendation regarding TFGCrowd. I have completely written off my remaining investment. This results in a final IRR of -19,21%.
Portfolio performance income
As already mentioned, interest income was quite pleasant in the past two months. The known feel-good limit of 300 EUR was easily exceeded. In October there was 355,66 EUR, in November 383,97 EUR. Crowdestor was instrumental in both months, but this should be taken with a grain of salt.
I would say that I'm one of the most transparent bloggers when it comes to affiliate and referral income. I want to keep it that way. In October and November I was able to collect a total of 312,78 EUR (October 287,78 EUR and November 25 EUR), distributed over five platforms.
Referral income I received from the following platforms:
That was it again with a double P2P portfolio update November and October 2021. TFGCrowd was written off, now let's see if it's over now regarding write-offs. As I said before, I think alternative investments might become more interesting again next year and I will expand the investment there. Thanks if you have read this far! The next update for December will be already in the new year!
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 November (and October).
- 37,20% (+0,63%) P2P (Buy-back)
- 30,75% (-1,56%) Crowdlending
- 0,83% (+0,14%) P2B
- 25,63% (-0,29%) P2B (Real estate)
- 2,91% (+0,02%) P2P
- 1,43% (+1,04%) P2P (Short-term)
- 1,25% (+-0%) 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 September/October.
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!