{"id":2732,"date":"2019-08-10T13:10:42","date_gmt":"2019-08-10T13:10:42","guid":{"rendered":"http:\/\/savingsforfreedom.com\/?p=2732"},"modified":"2020-01-20T10:05:40","modified_gmt":"2020-01-20T10:05:40","slug":"savings4freedom-july-2019-portfolio-update","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2019\/08\/10\/savings4freedom-july-2019-portfolio-update\/","title":{"rendered":"Savings4Freedom July 2019 Portfolio Update"},"content":{"rendered":"\n

With a small delay, here is our Savings4Freedom monthly update!<\/p>\n\n\n\n

I’m really happy with the way my P2P investments are evolving this year. By choosing to invest in P2P lending, every single day I’m confronted with the need to learn new aspects of the industry and improve my processes for efficiency and security. <\/p>\n\n\n\n

\"\"<\/a>
New Savings4Freedom Design<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

As I described in my previous update, I’m continuing to shift funds between P2P platforms to diversify and increase my average portfolio interest rate results. In July, I opened accounts in Monethera<\/a> (very good experience so far) and iban Wallet<\/a> (a nice complement to my P2P portfolio for money liquidity reasons). You can check my first impressions on both platforms later on this publication.<\/p>\n\n\n\n

I also want to share that from now on, I’m sharing with the community my Financial Literacy Video Library to FIRE<\/a> (financial independence and retiring early). I love to learn and I want to share some of the best videos I found with you.<\/p>\n\n\n\n

Loan Originator Issues: Aforti<\/h2>\n\n\n\n

P2P platforms such as Viventor<\/a> and Mintos<\/a> shared this week that one of their Loan Originators (Aforti). One of the risks of investing in P2P lending is the loan originator. You can check the Risks section on this dedicated page<\/a> to learn more about other aspects to consider before investing.<\/p>\n\n\n\n

\"Mitigate<\/a>
Identify the Risks in P2P Investing<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

But, without any further due, let\u2019s see the numbers!<\/p>\n\n\n\n\n\n\n\n

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S4F Portfolio Update July 2019<\/h2>\n\n\n\n

You can see real screenshots of my accounts and my review of the platforms checking my P2P platforms portfolio<\/a> page.<\/p>\n\n\n\n

\"S4F<\/a>
My current P2P investment portfolio<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

I will over time consolidate my P2P lending investments portfolio into my Top 8 personal P2P platform choices.<\/strong><\/p>\n\n\n\n

1 \u2013 Kuetzal<\/a><\/strong> (~19% returns, enterprise & real estate, buyback guarantee);
2 \u2013 Monethera<\/a><\/strong> (~19% returns, enterprise & real estate, buyback guarantee);
3 \u2013 Envestio<\/a><\/strong> (~16% returns, enterprise loans, secured debt);
4 \u2013 FastInvest<\/a><\/strong> (~13% returns, consumer loans, buyback guarantee);
5 \u2013 Grupeer<\/a><\/strong> (~13% returns, multiple loans, buyback guarantee but no possibility to sell);
6 \u2013 Mintos<\/a><\/strong> (~12% returns, multiple loans, buyback guarantee);
7 \u2013 Viventor<\/a><\/strong> (~11% returns, multiple loans, buyback guarantee);
8 \u2013 iban Wallet<\/a><\/strong> (~2.5% returns, automated, daily interest payment, immediate liquidity).<\/p>\n\n\n\n

I added this month Monethera<\/a> and iban Wallet<\/a> to my Top P2P platform choices for completely different reasons. <\/p>\n\n\n\n

\"Monethera<\/a><\/figure><\/div>\n\n\n\n

Monethera<\/a> for the high-interest rates, but in particular for the quick communication, feedback collection and inclusion into their platform of information over the first month, after my initial questions. <\/p>\n\n\n\n

\"iBAN<\/a><\/figure><\/div>\n\n\n\n

iban Wallet<\/a> for the need to have a simple manner to keep financial resources liquid to move across platforms and earn interest above what traditional banks offer.<\/p>\n\n\n\n

You can check my initial impressions on Monethera<\/a> and iban Wallet<\/a> by clicking the images above.<\/p>\n\n\n\n

\"Robocash<\/a><\/figure><\/div>\n\n\n\n

Until this month, Robocash<\/strong><\/a> was among my top choices. I decided to remove it from it since a significant part of my loan portfolio is overdue. Even considering that Robocash<\/strong><\/a> offers buyback guarantee, I prefer to shift my savings to other platforms that allow me to choose the loans I invest in.<\/p>\n\n\n\n

Monthly Income Statement: July 2019<\/h2>\n\n\n\n
P<\/strong>latform<\/strong><\/td>INFO<\/strong><\/td>Invested (\u20ac)<\/strong><\/td>Month Return (\u20ac)<\/strong><\/td>Asset Profit (\u20ac)<\/strong><\/td>Asset Value (\u20ac)<\/strong><\/td><\/tr>
KUETZAL<\/a><\/td><\/a><\/td>1.454,05<\/td>18,71<\/td>45,95<\/td>1.500,00<\/td><\/tr>
MONETHERA<\/a><\/td><\/a><\/td>2.239,03<\/td>17,80<\/td>17,80<\/td>2.256,83<\/td><\/tr>
ENVESTIO<\/a><\/td><\/a><\/td>5.123,95<\/td>76,59<\/td>380,99<\/td>5.504,94<\/td><\/tr>
FASTINVEST<\/a><\/td><\/a><\/td>1.172,37<\/td>11,46<\/td>27,63<\/td>1.200,00<\/td><\/tr>
GRUPEER<\/a><\/td><\/a><\/td>5.143,72<\/td>79,23<\/td>535,51<\/td>5.679,23<\/td><\/tr>
MINTOS<\/a><\/td><\/a><\/td>5.731,15<\/td>94,19<\/td>1.712,90<\/td>7.444,05<\/td><\/tr>
VIVENTOR<\/a><\/td><\/a><\/td>7.113,84<\/td>63,50<\/td>1.049,66<\/td>8.163,50<\/td><\/tr>
IBAN WALLET<\/a><\/td><\/a><\/td>3.000,00<\/td>0,50<\/td>0,50<\/td>3.000,50<\/td><\/tr>
ROBOCASH<\/a><\/td><\/a><\/td>1.089,93<\/td>6,59<\/td>16,66<\/td>1.106,59<\/td><\/tr>
BRICKSTARTER<\/a><\/td><\/a><\/td>50,00<\/td>15,00<\/td>15,00<\/td>65,00<\/td><\/tr>
CROWDESTOR<\/a><\/td><\/a><\/td>100,00<\/td>0,27<\/td>0,27<\/td>100,27<\/td><\/tr>
LENNDY<\/a><\/td><\/a><\/td>100,00<\/td>10,00<\/td>10,00<\/td>110,00<\/td><\/tr>
FINBEE<\/a><\/td><\/a><\/td>90,87<\/td>0,50<\/td>4,86<\/td>95,73<\/td><\/tr>
NEOFINANCE<\/a><\/td><\/a><\/td>100,00<\/td>1,15<\/td>24,86<\/td>124,86<\/td><\/tr>
MONESTRO<\/a><\/td><\/a><\/td>50,00<\/td>1,00<\/td>3,00<\/td>53,00<\/td><\/tr>
CROWDESTATE<\/a><\/td><\/a><\/td>255,13<\/td>13,99<\/td>48,61<\/td>302,50<\/td><\/tr>
BULKESTATE<\/a><\/td><\/a><\/td>550,00<\/td>0,00<\/td>0,00<\/td>550,00<\/td><\/tr>
EKASSA<\/a><\/td><\/a><\/td>14,56<\/td>0,00<\/td>0,44<\/td>15,00<\/td><\/tr>
PEERBERRY<\/a><\/td><\/a><\/td>69,73<\/td>0,76<\/td>4,31<\/td>73,89<\/td><\/tr>
DOFINANCE<\/a><\/td><\/a><\/td>100,00<\/td>0,99<\/td>4,39<\/td>104,39<\/td><\/tr>
ESTATEGURU<\/a><\/td><\/a><\/td>100,00<\/td>0,00<\/td>0,00<\/td>100,00<\/td><\/tr>
VIAINVEST<\/a><\/td><\/a><\/td>51,90<\/td>0,31<\/td>4,54<\/td>56,44<\/td><\/tr>
REINVEST24<\/a><\/td><\/a><\/td>100,00<\/td>0,00<\/td>-2,00<\/td>98,00<\/td><\/tr>
DEBITUM<\/a><\/td><\/a><\/td>250,00<\/td>2,00<\/td>2,74<\/td>252,74<\/td><\/tr>
COINBASE<\/a><\/td><\/a><\/td>20,00<\/td>-1,60<\/td>22,35<\/td>40,75<\/td><\/tr>
BULLIONVAULT<\/a><\/td><\/a><\/td>1.038,28<\/td>55,85<\/td>245,00<\/td>1283,28<\/td><\/tr>
BONDORA<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,50<\/td>0,00<\/td><\/tr>
FLENDER<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
RENDITY<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
PROFITUS<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
COINLOAN<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
BITBOND<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
PREPAYWAY<\/a><\/td><\/a><\/td>0,00<\/td>0,00<\/td>0,00<\/td>0,00<\/td><\/tr>
 <\/td>TOTAL<\/strong><\/td>35.108,51<\/td>468,79<\/td>4.176,47<\/td>37.998,21<\/strong><\/td><\/tr><\/tbody><\/table>\n\n\n\n

To get a comparative analysis based on my personal opinion about multiple other platforms, please check my P2P lending platforms comparison<\/a><\/strong> page.<\/p>\n\n\n\n

<\/p>\n\n\n\n

N26<\/a>, Revolut<\/a> and Transferwise<\/a><\/h2>\n\n\n\n

I’m really happy with the way N26 Account<\/a> simplified my portfolio management<\/a>. With all the transactions between P2P platforms<\/a>, it would be impossible for me to manage without the simple interface N26 offers<\/a>. I highly recommend it! <\/p>\n\n\n\n

My decision to follow the 3 buckets account approach is working:<\/p>\n\n\n\n