{"id":3148,"date":"2019-09-04T16:01:38","date_gmt":"2019-09-04T16:01:38","guid":{"rendered":"http:\/\/savingsforfreedom.com\/?p=3148"},"modified":"2020-01-21T12:57:19","modified_gmt":"2020-01-21T12:57:19","slug":"savings4freedom-august-2019-portfolio-update","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/","title":{"rendered":"Savings4Freedom August 2019 Portfolio Update"},"content":{"rendered":"\n

August was a crazy month for Savings4Freedom! Everything happened so fast that almost feels like I was writing the July portfolio update yesterday.<\/p>\n\n\n\n

The speed of the P2P lending industry is incredible. The amount of information required to access, process and decide over in order to take informed actions grows faster than my capacity to deal with it. <\/p>\n\n\n\n

Based on this reality, I decided to set up a group of P2P lending investment principles<\/strong> that will make much easier for me to take action in the future.<\/p>\n\n\n\n

\"Invest<\/a>
Defining your investment principles makes every decision easier<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

My P2P Lending Investment Principles<\/a><\/h2>\n\n\n\n

If I was starting all over again today, I would follow in a religious manner my P2P Lending Investment Principles<\/a><\/strong>: <\/p>\n\n\n\n

  1. Buyback Guarantee:<\/strong> Only invest in P2P loans that provide Buyback Guarantee (for security<\/em><\/strong> reasons);<\/li>
  2. Minimum Return:<\/strong> Only invest in P2P loans that offer an interest rate above 12% per year (the ROI and Yield<\/em><\/strong> need to justify the risk);<\/li>
  3. Early Exit: <\/strong>The majority of my investments should have available some type of early exit from the P2P loan position (through buyback or secondary market, for liquidity<\/em><\/strong> reasons);<\/li>
  4. Cashback and Bonus Offers: <\/strong>I want to maximize cashback and bonus opportunities to leverage my P2P lending returns (at the end of every platform month overview, I share the cashback and bonus opportunities<\/em><\/strong> available in case you use my referral links, that I really appreciate if you do to support this blog).<\/li>
  5. Diversification:<\/strong> I want to distribute my funds across different types of loans, geographic locations, maturity and mainly P2P platforms (diversity is king<\/em><\/strong>).<\/li><\/ol>\n\n\n\n

    Please let me know your thoughts on this subject. Do you agree with these principles? I welcome any ideas that can help me improve this list.<\/em><\/p>\n\n\n\n

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

    I recently published one of the articles that more fun offered me writing it. I was challenged by some Savings4Freedom readers to reflect on what I did wrong and how I would do things differently if I started from scratch investing in P2P lending<\/strong>. It was a really important exercise for me in order to conscientiously realize the progress I have done until now. But the best part was realizing in a positive way that I’m really looking forward to experiencing what the future will bring in my path towards financial freedom.<\/p>\n\n\n\n

    You can read the article by clicking the figure above.<\/em><\/p>\n\n\n\n

    But, without any further due, let\u2019s check Savings4Freedom<\/a> returns!<\/p>\n\n\n\n\n\n\n\n

    \n\n\n\n

    S4F Portfolio Update August 2019<\/a><\/h2>\n\n\n\n

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

    \"Savings4Freedom<\/a>
    My current P2P lending investments portfolio<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

    Over the last month, I continued the process to transfer funds between my P2P platforms in order to diversify and increase my average portfolio interest rate results. I reduced my positions on Mintos<\/a><\/strong>, Viventor<\/a><\/strong>, Grupeer<\/a><\/strong>, and Envestio<\/a><\/strong> to increase P2P lending investments on Monethera<\/a><\/strong>. I also decided to keep an important amount allocated in iban Wallet<\/strong><\/a>, entirely for liquidity reasons. I’m looking forward to opportunities aligned with my goals to invest.<\/p>\n\n\n\n

    You can find detailed reviews on Monethera<\/a><\/strong> and iban Wallet<\/a><\/strong> by clicking on the platform logos below.<\/p>\n\n\n\n

    \"iban<\/a>
    My first impressions on iban<\/a><\/figcaption><\/figure><\/div>\n\n\n\n
    \"Monethera<\/a>
    My first impressions on Monethera<\/a><\/figcaption><\/figure><\/div>\n\n\n\n

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

    Platform<\/strong><\/td>Loan Type<\/strong><\/td>Average Annual Interest Rate<\/strong><\/td>Bonus & Cashback<\/strong><\/td><\/tr>
    \"Monethera<\/a>Monethera<\/a><\/td>Enterprise & Real Estate<\/td>~18%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Monethera<\/em><\/a><\/strong> you earn 5\u20ac in cash bonus and 0.5% on all investments over the first 90 days in cashback<\/em>

    SPECIAL CASHBACK BONUS:<\/strong> in case you use the promo code: savings4freedom0919<\/strong>, you will get cashback for 180 days instead of 90 days. This is a limited offer!<\/span> Only the first 25 accounts to add this promo code enjoy this cashback bonus<\/em>. <\/td><\/tr>
    \"Envestio<\/a>Envestio<\/a><\/td>Enterprise & Real Estate<\/td>~16%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Envestio<\/em><\/a><\/strong> you earn 5\u20ac in cash bonus and 0.5% on all investments over the first 270 days in cashback<\/em><\/td><\/tr>
    \"\"<\/a>Kuetzal<\/a><\/td>Enterprise & Real Estate<\/td>~19%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Kuetzal<\/em><\/strong><\/a> you earn 5\u20ac in cash bonus and 0.5% on all investments over the first 180 days in cashback<\/em><\/td><\/tr>
    \"Grupeer<\/a>Grupeer<\/a><\/td>Enterprise & Real Estate<\/td>~13%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Grupeer<\/em><\/strong><\/a> you earn 1.25% on all investments over the first 6 months in cashback<\/em><\/td><\/tr>
    \"Mintos<\/a>Mintos<\/a><\/td>Consumer<\/td>~13%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Mintos<\/em><\/a><\/strong> you earn 1% on all investments over the first 90 days in cashback<\/em><\/td><\/tr>
    \"FastInvest<\/a>FastInvest<\/a><\/td>Consumer<\/td>~13%<\/td>No bonus, but you can create your account using my referral link<\/em><\/a><\/td><\/tr>
    \"Viventor<\/a>Viventor<\/a><\/td>Consumer<\/td>~12%<\/td>No bonus, but you can create your account using my referral link<\/a><\/em><\/td><\/tr>
    \"ibaniban Wallet<\/a><\/td>Consumer<\/td>2.5%<\/td>You can sign up and invest through <\/em>my referral link<\/em><\/a> you can join the <\/em>iban Wallet<\/em><\/strong><\/a> referral program and <\/em>get \u20ac25 for every invitee that invests more than \u20ac1000<\/em><\/strong>.

    September Bonus:<\/strong> until September 13th insert the code UP2000<\/strong> when adding funds to your account, with a minimum of \u20ac2000. You will earn an extra 0.5% bonus for 90 days, starting from the day the deposit is confirmed.

    Special Savings4Freedom Blog Bonus: <\/strong>until October 31st every S4F reader who joins     iban Wallet<\/em><\/strong><\/a> and adds the promo code – TRYIBANNOW<\/strong> – and invests 200\u20ac (or more) will get 1% bonus on their iban Wallet<\/a><\/em> account for 3 months<\/strong>!

    Note:<\/strong> this is a bonus which has a minimum deposit amount to be activated, this code needs to be inserted after the registration process, in the top up the account step. 
    \"iban<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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

    \n\n\n\n

    New P2P Lending Platforms<\/h2>\n\n\n\n

    I opened accounts on Brickstarter<\/a><\/strong>, Housers<\/a><\/strong>, EvoEstate<\/a><\/strong>, BitofProperty<\/a><\/strong>, Crowdestor<\/a><\/strong>, Swaper<\/a><\/strong>, Lenndy<\/a><\/strong>, Wisefund<\/a><\/strong>, and Bondster<\/a><\/strong>, over the last two months. No time yet to share an opinion, except for Housers<\/strong><\/a>, that you can find here<\/a>.<\/p>\n\n\n\n

    Platform<\/strong><\/td>Loan Type<\/strong><\/td>Average Annual Interest Rate<\/strong><\/td>Bonus & Cashback<\/strong><\/td><\/tr>
    \"BrickStarter<\/a>Brickstarter<\/a><\/td>Real Estate<\/td>~10%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Brickstarter<\/em><\/a><\/strong>, add the Promo Code BRICKS<\/strong> to earn 15\u20ac in cash bonus and 0,5% in cashback for your investments during the first 90 days<\/em><\/td><\/tr>
    \"Housers<\/a>Housers<\/a><\/td>Real Estate<\/td>~7%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Housers<\/a><\/em><\/strong> you earn 25\u20ac in cash bonus 1 month after your first \u20ac50 investment<\/em><\/td><\/tr>
    \"EvoEstate<\/a>EvoEstate<\/a><\/td>Real Estate<\/td>~12%<\/td>In case you employ my referral link<\/a> to invest in <\/em>EvoEstate<\/a><\/em><\/strong> you earn 15\u20ac in cash bonus after your first investment<\/em><\/td><\/tr>
    \"BitofProperty<\/a>BitofProperty<\/a><\/td>Real Estate<\/td>~7%<\/td>In case you employ my referral link<\/a> to invest in <\/em>BitofProperty<\/strong><\/em><\/a> you earn 10\u20ac in cash bonus after your first investment<\/em><\/td><\/tr>
    \"CrowdestateCrowdestor<\/a><\/td>Enterprise & Real Estate<\/td>~15%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Crowdestor<\/a><\/em><\/strong> you earn 0.5% on all investments over the first 180 days in cashback<\/em><\/td><\/tr>
    \"Swaper<\/a>Swaper<\/a><\/td>Consumer<\/td>~12%<\/td>In case you employ my referral link<\/a> to invest in Swaper<\/a><\/strong> you earn an extra 2% on all investments over the first 3 months (valid until 03.10.2019)<\/em><\/td><\/tr>
    \"Lenndy<\/a>Lenndy<\/a><\/td>Consumer<\/td>~12%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Lenndy<\/em><\/a><\/strong> you earn 10\u20ac in cash bonus after your first 100\u20ac investment<\/em><\/td><\/tr>
    \"Wisefund<\/a>Wisefund<\/a><\/td>Enterprise & Real Estate<\/td>~19%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Wisefund<\/a><\/em><\/strong> you earn 0.5% on all investments over the first 270 days in cashback<\/em><\/td><\/tr>
    \"Bonster<\/a>Bondster<\/a><\/td>Consumer & Enterprise<\/td>~12%<\/td>In case you employ my referral link<\/a> to invest in <\/em>Bondster<\/em><\/a><\/strong> and invest 1000\u20ac or more within the first 30 days from registration you will receive a bonus of 10\u20ac<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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

    N26<\/a> account, 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