I share on this page my crowdlending portfolio.
First, I analyze the entire crowdlending portfolio. In a second step, I detail the monitoring of each crowdlending platform.
Summary by crowdlending platform
| Platform link | Funds value | Net value | XIRR |
| Envestio | (2240.22) | 0.00 | 0.00% |
| Fastinvest | 21.71 | 0.00 | 12.19% |
| Grupeer | (201.46) | 219.88 | 10.64% |
| Crowdestor | (200.00) | 225.07 | 18.98% |
| Bondora | (306.67) | 333.14 | 22.41% |
| Crowdestate | (200.00) | 212.66 | 9.53% |
| Bulkestate | (400.00) | 414.38 | 5.82% |
| Monestro | (1.00) | 1.00 | 0.00% |
| Kuetzal | (200.00) | 0.00 | 0.00% |
| Mintos | (400.00) | 404.95 | 2.94% |
Crowdlending portfolio
XIRR
Funds value
Net value
Crowdlending portfolio with liquidations of Envestio and Kuetzal
At the end of 2019, whistleblowers highlighted the solvency problems of the crowdlending platforms Envestio and Kuetzal.
Envestio and Kuetzal went into liquidation and to this day I estimate the funds invested as lost.
Here is the same follow-up as above but with the net losses of the funds invested at Envestio and Kuetzal.
Note: although having experienced a strong debacle, I maintain my investments in crowdlending platforms that I consider reliable. Indeed, I remain confident in the future of crowdlending as a source of passive income.
XIRR
Funds value
Net value
Investment history
The investment history below shows deposits and withdrawals.
Many crowdlending platforms offer automatic investment tools. These self-investment tools can be defined according to the interest rate of the loan, the duration of the loan, the type of loan and the maximum amount per loan. Other crowdlending platforms only offer manual investments.
My crowdlending portfolio is a mix of the two investment systems.
Envestio
Envestio is no more. The site is inactive and no official press release has been issued since.
Updated at the beginning of the month.
Funds
Value
XIRR
Fastinvest
My first investment via the crowdlending platform Fastinvest dates from March 08, 2019. The sum of my deposits since amounts to € 200.00.
Updated at the beginning of the month.
Funds
XIRR
Value
Grupeer
My first investment via the Grupeer crowfunding platform dates from March 2019.
Updated at the beginning of the month.
Funds
Value
XIRR
Crowdestor
New P2P portfolio with the Crowdestor platform. The values of the investment portfolio below are not yet telling. It is normal, the first investment dates from the end of June only. A bit of patience.
I invested in 3 projects with very interesting interest rates. Depending on the projects, interest is paid monthly or quarterly.
Updated at the beginning of the month.
Funds
Value
XIRR
Bondora
Account opened in June 2019 at Bondora.
For information, Bondora offers an interface in French. And fortunately because the dashboard (which you must activate the desired tabs) requires a little adaptation to take it in hand.
To test Bondora’s services, I opted for a Portfolio Pro rather than Go & Grow. I will write a review on Bondora in which I will share my portfolio settings. Investments are made in automatic mode, a bit like with the Auto-invest tool from Fastinvest and Grupeer .
The values of the investment portfolio below are not yet telling. It is normal, the first investment dates from the end of June only. A bit of patience.
Updated at the beginning of the month.
Funds
Valeur du portefeuille
Taux de rendement interne
Crowdestate
New P2P portfolio with the Crowdestate platform. The values of the investment portfolio below are not yet telling. This is normal, the first investment dates from the end of June 2019 only. A bit of patience.
I invested in only 1 project in June to start.
The minimum investment per project is € 100. I am waiting for crowdlending projects to go online with more attractive interest rates to complete my P2P portfolio.
Updated at the beginning of the month.
Funds
Value
XIRR
Bulkestate
New crowdlending portfolio with the Bulkestate platform.
The values of the investment portfolio below are not yet telling. It is normal, the first investment dates from early July only. A bit of patience.
Updated at the beginning of the month.
Fonds
Valeur du portefeuille
Taux de rendement interne
Monestro
New P2P portfolio with the Monestro platform.
Monestro promises attractive rates but since opening the account, I have not been able to invest.
Update August 2019: Monestro still does not offer loans. So I withdraw all of my funds. The transfer was done without any problem. I do not recommend investing via this platform for the moment.
I contacted customer service who replied that there is currently no loan offer. So for now I do not recommend this platform .
Updated at the beginning of the month.
Funds
Value
XIRR
Kuetzal
IMPORTANT: KUETZAL IS IN LIQUIDATION.
Updated at the beginning of the month.
Funds
Value
XIRR
Mintos
New P2P portfolio with the Mintos platform.
The crowdlending Mintos platform is a must in the p2p lending world.
Indeed Mintos has proven itself with more than 4 billion euros invested since 2015.
Updated at the beginning of the month.