P2P portfolio update September 2022

p2p portfolio update september 2022

Hello everybody! Once again I would like to welcome you to an inventory of my P2P portfolio, namely the P2P portfolio update September 2022. Last month there were quite a few outflows, as I wanted/needed to fill the money bin a bit and also opportunities are increasingly opening up on the stock markets. Have fun reading!


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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' (Update)

As recently announced, a real estate purchase is pending in the coming year, which will now have an impact on the previous strategy. Many platforms will switch to the withdrawal phase and the interest will always go directly into the money store at the end of the month.

IRR ranking September 2022

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
10,97
-0,06
6449
-197
30.10.2017
10,82
+0,09
1127
+2
09.11.2017
6,58
0
17,69
+0,05
14.05.2018
11,47
-0,02
1087
+9
31.07.2018
11,18
-0,05
1825
+13
11.08.2018
13,14
+0,11
0,00
-580,66
01.02.2019
9,46
+0,10
3684
-6
14.02.2019
12,82
-0,02
1419
+13
20.02.2019
9,66
-0,04
2393
+18
21.03.2019
8,67
-0,20
12168
-420
30.03.2019
11,05
-0,11
1273
-3
12.04.2019
11,69
-0,03
1665
+13
17.05.2019
8,12
-0,16
901,66
-0,03
Crowdestate
20.05.2019
-7,40
+0,04
150,05
0
31.07.2019
6,44
-0,06
4812
-157
15.02.2020
16,02
-0,01
1482
+17
20.02.2020
7,54
+0,09
501,52
+3,73
29.05.2020
0,86
-1,20
566,32
-14,91
22.07.2020
9,22
-0,32
0,00
-595,64
28.01.2021
11,08
+0,06
166,52
+1,55
21.03.2021
13,13
+0,08
668,91
-2,74
10.06.2021
12,86
-0,18
593,71
+5,07
10.06.2021
11,55
+0,11
729,30
+7,24
23.07.2021
10,90
+0,03
555,80
+1,51
15.11.2021
17,63
-0,07
71,60
+0,87
21.03.2022
4,77
-0,30
795,83
+175,13
16.04.2022
1,59
+3,50
1990
-70
17.04.2022
0
0
30
0
30.09.2022
+3,49
+0,09
47120
+1764

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Platforms

Newcomers
P2P (Buy-Back)

With hive5, I added another platform to the portfolio at the end of September. For the time being, it's on trial, so to speak, which is why there are no statements about IRR yet. In the interview with CEO Ričardas Vandzinskas you can learn more about the Lithuanian platform based in Croatia.

If you use my link*, I will receive a one-time 10€ and 2% cashback. I'll see if I can organize a bonus for you in the future. Stay tuned!


 
(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. Many platforms have been transferred to the withdrawal phase, and some will follow.

P2P (Buy-back)

There is still nothing to complain about at Lendermarket. It is now well known that maturities are stretched to the end. On the platform itself, my IRR is 16,02% with an investment of 1.482 EUR. In the meantime, there is also a “new” loan provider, the Nigerian QuickCheck, which is already known from Bondster. However, it does not make it into my auto-invest.

Because the platform is new and I ‘only' invested 1.000 EUR I won't put capital as questionable for now.

If you use my link* you receive 1% cashback. I will receive one-time 5€ + 1,5%.

 

At Robocash, 729,30 EUR were invested at the end of September with an IRR of 11,55%. I would also like to transfer Robocash to the withdrawal phase, but I almost never have free money there.

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*. As compensation, I get 1% cashback after 90 days and a one-time 5€.


P2B (Real estate)

After some time, there was a project from Estonia at Reinvest24, in which I invested in September, in addition to another, also immediately. The IRR is at 9,66% with invested 2.393 EUR. Almost two weeks ago I had an interview with CEO Tanel Orro about the development of the Estonian platform. By the way, there is now a new bank account, so check it out, the old one will be deactivated!

In the meantime Reinvest24 is already 4 years old! I do not consider my invested capital questionable.

If you want to invest on ReInvest24*, there is a currently a great bonus campaign for new investors on investments of the first 30 days, which runs until 30.11.2022! I receive 1% cashback, as before.

  • 500 – 1.999 EUR investment = 25 EUR bonus
  • 2.000 – 9.999 EUR investment = 50 EUR bonus
  • 10.000 – 99.999 EUR investment = 200 EUR bonus
  • From 100.000 EUR investment = 1.000 EUR bonus

 

At InRento, the IRR at the end of September was 4,77% with an investment of 795,83 EUR. I have also taken a new project there and intend to continue doing so. The new interface is indeed clearer, even if there is still some potential for optimization in the transactions.

I hope that new rental projects will regularly be available for investment on the platform. So far, I do not consider the investment questionable.

You can register via my InRento* link, for this you will receive a 20€ bonus, while I will receive 20€, too.


P2B

At Quanloop, 71,60 EUR was invested at the end of September. The IRR is at 17,63% due to the earlier investment, but should fall quickly 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.

 

At LinkedFinance, the IRR continues to gain and shows 7,54% in September. The investment is now at 501,52 EUR. Currently, new projects are regularly available for investment. This was rather a weakness in the past.

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 (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 EUR IRR is at 6,58%. In September there is still about 17 EUR left on the account.

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

Lande (formerly Lendsecured) also paid some interest again in September. 166,52 EUR are invested currently with an IRR of 11,08%.

If you are interested in Lande, 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.


Misc.

Bullride I had briefly introduced in April portfolio update. In July there was already the first income and in August also additional adjustment entries in my favor. Monthly, my two e-scooters will be depreciated over the next four years. The IRR nevertheless increases to 1,59%.

For a test balloon this is a very high amount and this is 100% questionable until the first results roll in.

If you register with my link* you will get 10€ and 1% cashback for 90 days.

 

I also briefly mentioned Landex in the April portfolio update. The platform is a gimmick for the time being with only 30 EUR invested.

This is a test balloon, I want to gain experience on the platform first.

If you register with my link*, I will receive a one-time 5€ + 2% cashback on the investment for 60 days.


Withdrawal phase
P2P (Buy-back)

On Mintos are currently now and then cashback campaigns active, but they must also be activated! I try to use these. The IRR on Mintos was 10,97% at the end of September with 6.449 EUR invested. So I paid out around 200 EUR to take some chips off the table.

Even if Mintos is one of my largest platforms, approx. 36% of my investment is questionable. Namely all pending payments and loans in recovery.

Mintos has currently suspended its affiliate program again.

 

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On IUVO 1.825 EUR were invested at the end of September with an IRR of 11,18%. Otherwise, there was no great news from the platform. In the protracted attempts to win back investors' money, BBG and CBC now have the first positive news to report.

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

 

Twino had also switched to bonds (called Securities) in July. The IRR at the end of the month was 10,82% with 1.127 EUR invested. Dead silence reigns over the repayment of Russian loans, which will certainly take a very long time.

For almost 4 years, the platform has been running so solidly that I don't considered my investment questionable. And then came this war. As of today, all Russian loans are questionable.

Here* you can register. If you invest 500€ we both are rewarded with a bonus of 20€. Until 24.5 you will also receive 1% cashback on investments via Auto-Invest (promotion must be activated!)

 

No news at Afranga, cash flow fits. That's how it has to be! A total of 668,91 EUR was invested at the end of September with an IRR of 13,13%.

I would say that Afranga has slowly outgrown its infancy. Since I have not invested a significant amount, I do not consider my investment 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.

 

At Esketit, the IRR was 12,86% climbed at the end of September. 593,71 EUR are invested there. With Creamfinance (now AvaFin) Poland, Polish loans are now also available for investing.

The same applies to Esketit as to Afranga. The platform has established itself in the meantime. 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 the end of September, 555,80 EUR was invested on Income Marketplace with an IRR of 10,90%. With ITF and Juancho te Presta, two more, well-known, loan originators were added in July.

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 has now recovered half of the Russian and Ukrainian loans, which is already a strong performance. My IRR was 11,47% at the end of September with 1.087 EUR invested.

One of the most solid platforms for over three years! Also here until now. A war is of course a worst case scenario, which is why about 60% of my portfolio is questionable, despite the repayments made to date.

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.

 

Last month I wrote about how for Bondster, the microkasa loans didn't really turn out, although many investors may see it differently. In general, all of this increasingly bothers me. So Bondster could be one of the platforms that gets completely de-rigged in the medium term. The IRR at the end of the month was still 11,05% with 1.273 EUR invested.

I still see Bondster as a young platform, but now already has 15.000 investors. Due to the “defaulted” Polish loans, I see 30% of the investment as questionable.

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

 

Viainvest interest is now at 13%, the technical difficulties have not yet been resolved, but it works halfway. The withholding tax is 20% by default, but you can lower it by providing the appropriate evidence, which I did the previous month. Otherwise, the IRR at the end of the month was 11,69% on an investment of 1.665 EUR (if I have calculated correctly).

In my opinion, Viainvest is very solid and therefore I do not consider my investment questionable. However, the current technical difficulties with the introduction of the Securities are more than annoying!

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

There is nothing new at NeoFinance. Currently, 1.419 EUR are invested at NeoFinance with an IRR of 12,82%.

The return calculated by the platform is now 13,90% 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.


P2B (Real estate)

At EstateGuru I look at the moment as good as no longer. Only at the end of the month I check the interest received and briefly look if there are defaults. At the last P2P community meeting, one could learn a lot about the German projects from the new Country Manager Björn Kombächer. Here now seems to be a completely different drive in it. At the end of September, 3.684 EUR were invested in EstateGuru with an IRR of 9,46%.

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€.


Crowdlending

10,26 EUR in interest was earned at Crowdestor in September, which is very sobering. My ratio, the delayed projects, has increased again compared to August, to now 65,28%. But this time, that was also due to some smaller projects that were paid back. Even if the positive news is meager, of course I have to mention it. At the end of the month, the investment was still 12.168 EUR with an IRR of 8,67%.

Further, because of the risk of the platform and projects, 50% of the investment is ‘questionable' to me (regardless of the ~65,28% delayed projects). Especially due to the Corona pandemic, which will have a massive effect on tourism and restaurants.

If you really want to register, you can do so via the platform's website. I can't recommend Crowdestor!


Investment expires

EvoEstate had invested 4.812 EUR at the end of September with an IRR of 6,44%. By the way, the calculated return differs strongly from the ‘Net Annual Returns', which is 11,04%, due to final maturity projects. 

All returns at EvoEstate first flow automatically to InRento. If there are new projects there, I invest. Excess funds are withdrawn.

 

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 September the IRR is 0,86% 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 17,50€ and 3% Cashback.

 

There were no principal repayments at Crowdestate in September. The complete exit is dragging on. The IRR was -7,40% and there are still 150,05 EUR on the account.

 

901,66 EUR was invested in Bulkestate at the end of September. The IRR was 8,12%. Recoveries are sparse, extensions are becoming more frequent. I deduct all recoveries.

 

Swaper has always been the most non-transparent platform I know. Nevertheless, I invested there also because of the high interest rate. But now that I have seen other opportunities, I have finally ended the investment. The IRR at the end of September again at 13,14%.

 

I was invested in Moncera with just under 600 EUR. The platform was mainly used to park some cash. As with Swaper, I have ended my investment there, although I may become active there again in the coming months. The IRR in September was 9,22%.


Portfolio performance income

In total I received 277,21 EUR in interest from the individual platforms. Unfortunately, again a little below my 300 EUR feel-good limit, since from Crowdestor came almost nothing. Bullride was also there with higher cash flow in the previous month, but that was due to additional settlements.


Distribution by P2P/Crowlending classes

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

  • 37,07% (P2P (Buy-back)
  • 26,20%  Crowdlending
  • 1,22% P2B
  • 27,11% P2B (Real estate)
  • 3,01% P2P
  • 0,04%  P2P (Short-term)
  • 5,35% Misc. (Bullride, 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 September. There were 1.245,88 EUR in affiliate income distributed across five platforms. 

Referral-‘income' im September:


Summary

Another month of outflows from my P2P portfolio, as there are increasing opportunities in some of the stocks on my watchlist that need to be exploited or for which liquid funds need to be available at the right time. I am currently preparing for this. At the same time, cash is needed for a property, which is why I regularly withdraw interest. This will remain the case for the time being, even if I would like to increase one or the other platform. That will also come so, just later!


About new projects on Twitter, Instagram and Facebook

I hope you found my summary interesting as always. I'm always open for constructive criticism and suggestions. Follow me on Instagram (or Twitter and Facebook). 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 October. Bye!

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


*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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