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review P2P and equities oct 2019

Good month for P2P lending and equities portfolios (october review 2019)

  • 39.14% annualized IRR with bonus for the P2P portfolio.
  • 1.43% cumulative performance for the equity portfolio.
  • 1 signed sales agreement for our family house.

Summer holidays are now far behind and my rhythm of “husband and dad with a full time job” has started again. And for you ?

The US market is doing well and my equity portfolio is also up sharply by + 5.01%. My portfolio therefore goes to the positive side of the force with a cumulated performance of + 1.43%. We will see well in the weeks to come if this rise of the market is a recovery or a simple aborted breakout.

The P2P portfolio lending continues its trajectory with an XIRR (annualized IRR).


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3W3 Equity Portfolio

My investment strategy with ETFs is a long-term strategy. It requires confidence and acceptance of market downturns. The max drawdown can be important. 

Given the consolidation of the current market it is possible that the coming months are negative.

In any case this month is strongly positive with a monthly performance of 5.01% .

My detailed portfolio here.

Net value of the equities portfolio

The net value of the 3W3 portfolio is $ 8413.83 .

equities portfolio value october 2019

Monthly performance of the equities portfolio

The cumulative performance is 1.43%.

equities portfolio performance october 2019

P2P Portfolio (crowdlending platforms)

My P2P lending portfolio now consists of 8 peer to peer lending platforms : Envestio , Fastinvest , Gruper , Crowdestor , Bondora , Crowdestate , Bulkestate and Kuetzal .

I have withdrawal my funds from Monestro.

The graphs with 2 curves represent

  • 1 curve with bonuses taken into account.
  • 1 curve without taking bonuses into account.

NB: I continue to refine my tracking tool. It is possible that I update values ​​from one month to another if I find errors. Sorry in advance. I try to be as transparent as possible and especially to ensure an exact follow-up for the management of my funds.

Reminder of my strategy

I manage my P2P lending asset allocation as an investment portfolio . That is, rule number one is security. To secure my invested capital I diversify my asset allocation .

On the stock market it is recommended to invest in a basket of shares or ETFs through several brokers. In P2P lending I have been investing in a multitude of projects across multiple P2P lending platforms .


P2P Portfolio Tracking

You can find my full portfolio here .

The net value of the P2P portfolio is 3558.05 €.

Allocation P2P oct 2019

The internal rate of return (annualized) with bonuses is 39.14%.

Global XIRR oct 2019

Envestio

Envestio (here is my Envestio review) is the first peer to peer lending platform in which I have invested. The average interest rate is 18% +. Which makes Envestio very attractive. The projects are financed in a few hours, see in a few minutes for the most attractive ones.

XIRR envestio oct 2019

  • XIRR: 40.11%
  • Value: 2164.24 €
  • Monthly passive income: 156.24 €
  • Click here to see the details of my investments at Envestio .

Fastinvest

I use Fastinvest’s self-investing tool to invest continuously.

As a reminder, the self-investing tool automatically invested the specified capital in accordance with fixed rate ranges and durations. For more info you can read my Fastinvest review .

XIRR fastinvest oct 2019

  • XIRR: 11.73%
  • Value: 214.94 €
  • Monthly passive income: 2.19 €
  • Click here to see the details of my Fastinvest investments .

Grupeer

Grupeer is also a crowdlending platform in which I wanted to invest from the beginning.

First, all loans are secured with BuyBack Guarantee . This means that if the borrower goes bankrupt, the partner, the originator of the loan, is required to buy back the loan in default and ensure the repayment of principal and interest in full.

Secondly the Grupeer platform offers an interface in French .

As for Fastinvest I use a self-investing tool. More information in my Grupper review.

XIRR grupeer oct 2019

  • XIRR: 12.06 %
  • Value: 215.55 €
  • Monthly passive income: 1.79 €
  • Click here to see the details of my Grupeer investments .

Crowdestor

Account opened at Crowdestor in May 2019.

Loan interest rates are very attractive: 18%, 18.5% and 21% . Crowdestor comes directly to compete with Envestio .

The rate of return on the Crowdestor portfolio is down on July and August. This is normal because the timing of interest payments differs depending on the loan.

XIRR crowdestor oct 2019

  • TRI: 6.15%
  • Investment: 205.17 €
  • Monthly passive income: 0.75 €
  • Click here to see the details of my Crowdestor investments .

Bondora

Bondora is a little out of the box with its ultra customizable interface in French . It took me a while to get used to it. Bondora is a crowdlending platform that offers 3 investment methods .

Good month for P2P lending and equities portfolios (october review 2019) 1

To test the platform I went on a Portfolio Pro oriented high performance. Who says high performance, says risk . Loans are denoted D, E and F.

Here are my settings. I invite you not to copy them but to play with the parameters of the Portfolio Pro to get an idea of ​​the risk and the possible profitability.

bondora settings

Portfolio Pro works like the automatic investment tools of Fastinvest and Grupeer . The investments are numerous and as you can see there are many loans rated F by Bondora.

This portfolio is without the most risky of all. By cons it is very diversified. This is one of the advantages of Bondora, it is possible to invest very small sums .

The next step will probably be to test Bondora’s Go & Grow portfolio.

The internal rate of return has taken off!

This strong increase is due to the bonuses which are important proportionally to the invested capital. It must also be taken into account that the calculation of the IRR here is annualized. However the TRI off bonus (w / o bonuses) is for the moment incredible .

XIRR bondora oct 2019

  • XIRR: 697.55 %
  • Value: 242.55 €
  • Monthly passive income: 94.94 €
  • Click here to see the details of my Bondora investments .

Crowdestate

2 investments made at Crowdestate.

crowdestate investment

Crowdestate also offers an automatic investment tool. Personally I do not need it. I do not know yet if I will invest more funds.

XIRR crowdestate oct 2019

  • XIRR: 7.76 %
  • Value: 206.41€
  • Monthly passive income: 1.00€
  • Click here to see details of my Crowdestate investments .

Bulkestate

After setting up the auto-invest tool, all my capital was invested in 4 projects . Bulkestate offers very interesting interest rates. However, not all projects offer monthly payments.

This makes Bulkestate a good deal for long-term investors who want to block their funds over a period of time.

For my part I prefer to receive passive income every month . My first interest must be paid in September.

XIRR bulkestate oct 2019

  • XIRR: 4.13 %
  • Value: 101.35 €
  • Monthly passive income: 0.45 €
  • Click here to display the details of my Bulkestate portfolio.

Kuetzal

Kuetzal is the latest added platform. I submitted a first contribution in August 2019.

Kuetzal is a very attractive rate offers up to 21% per year. This crowdlending platform finance loans for European projects, companies and start-ups.

The timing of interest payments varies by project. On the other hand most of the projects benefit from Kuetzal Care.

Kuetzal Care guarantees that a certain project will eventually be financed, regardless of the amount of funds invested by Kuetzal investors. If the project does not reach the goal, Kuetzal uses its own funds to cover the gap between the amount invested and the target amount. 

Kuetzal has agreements with investment funds, banks and authoritative private investors who are ready to participate in Kuetzal projects at any time. This creates an additional guarantee that each project will eventually be funded on the targeted amount.

Loans are subject to a buyback guarantee, cf quote from Kuetzal FAQ.

How does the buy-back guarantee work?
Investment buy-back is provided by the platform, not by the project owners. Along with them we have personal guarantee from project owners and in some projects collateral (mainly real estate).
10% penalty is taken in case you are willing to cancel your investment before the end of term.

In the worst case scenario, if project announces default, Kuetzal guarantees to cover 100% of investment during next 2 months after default is accounced (for those projects that are supperted with buy-back). This time will be used to initiate the legal process. 2 months is the maximum term, we expect to return funds in 1-2 weeks. In this case there are no fees for investors.

Again want to remind that this is the worst case scenario and it is very unlikely.

Kuetzal FAQ

First interest earned in September. Kuetzal starts very strongly with an annualized IRR of over 20%.

XIRR kuetzal oct 2019

  • TRI: 20.36 %
  • Value: 206.50 €
  • Monthly passive income: 3.25 €
  • Click here to display the details of my Kuetzal portfolio .

Real estate

After almost 25 visits we found a house in the neighborhood where we are currently renting.

We signed the promise of sale at notary. The sellers did not accept the suspensive condition of obtaining the building permit. The delays in getting the building permit were too long for the sellers.

So we signed taking risks on our shoulders. I’ll let you know how does it go and if we get the mortgage.


Conclusion

The equity portfolio will ask for cold blood in the coming months to not panic and withdraw funds. It is an investment over several years.

The equity portfolio is based on a high yield strategy with significant drawdowns possible. In October the strategy paid off as we are again on a cumulative positive performance.

The peer-to-peer lending portfolio experienced a sharp rise in value with higher monthly revenues than the previous months. The gains generated are reinvested in the loans.

I always want to diversify a bit with crypto currencies via the P2P platform lending Coinloan.

The top 3 most successful crowdlending platforms in my portfolio are:

  1. Bondora
  2. Grupeer
  3. Fastinvest

The purchase of our main home takes a lot of my free time. I have trouble keeping up with the evolution of crowdlending platforms. Finally our main residence will have no integrated rental … we do not always reconcile everything.

See you next month for an update.


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