{"id":6120,"date":"2020-01-07T17:17:31","date_gmt":"2020-01-07T17:17:31","guid":{"rendered":"http:\/\/savingsforfreedom.com\/?p=6120"},"modified":"2020-06-15T09:06:33","modified_gmt":"2020-06-15T09:06:33","slug":"savings4freedom-december-2019-portfolio-update","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/","title":{"rendered":"December 2019 Portfolio Update"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6165\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_happy_new_year-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?fit=768%2C500&amp;ssl=1\" data-orig-size=\"768,500\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Happy_New_Year\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?fit=300%2C195&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?fit=768%2C500&amp;ssl=1\" src=201912_happy_new_yeara4bc.html alt=\"Happy 2020 @ Savings4Freedom\" class=\"wp-image-6165\" width=\"579\" height=\"376\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?w=768&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?resize=300%2C195&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Happy_New_Year.jpg?resize=624%2C406&amp;ssl=1 624w\" sizes=\"auto, (max-width: 579px) 100vw, 579px\" \/><\/figure><\/div>\n\n\n\n<h2 id=\"december-2019-year-in-review-new-goals-and-black-clouds-hanging-over-the-p2p-industry\" class=\"wp-block-heading\">December 2019: Year in Review, New Goals, and <strong>Black Cloud<\/strong>s&nbsp;hanging over the P2P Industry<\/h2>\n\n\n\n<p>Hi Savings4Freedom friends! Happy 2020!<\/p>\n\n\n\n<p>Nothing better than starting a new year by reviewing the previous one, but I also want to share with you my plans for the future.<\/p>\n\n\n\n<p>What an experience so far! From all the enthusiasm in January 2019 with my initial post to the alarming news by the end of the year (<strong><a rel=\"noreferrer noopener\" href=index-824.html target=\"_blank\">Kuetzal<\/a><\/strong> is a SCAM), I learned so much! I\u00b4m really happy to have the opportunity to share with you my decisions, successes, and failures. I find this transparency as a brutal call to keep my goals and achieve them. Thank you so much for your support, questions, and suggestions.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211805814\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"savings4freedom-results-from-2019\" class=\"wp-block-heading\">Savings4Freedom Results from 2019<\/h2>\n\n\n\n<p>Last year key indicators are very positive:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>From 5 P2P Platforms by December 2018 (<strong><a rel=\"noreferrer noopener\" href=index-825.html target=\"_blank\">Mintos<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-826.html target=\"_blank\">Viventor<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Grupeer (opens in a new tab)\" href=index-827.html target=\"_blank\">Grupeer<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Envestio (opens in a new tab)\" href=index-828.html target=\"_blank\">Envestio<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" aria-label=\"Bulkestate (opens in a new tab)\" href=index-829.html target=\"_blank\">Bulkestate<\/a><\/strong>) to 11 key P2P Platforms by December 2019 (<strong><a rel=\"noreferrer noopener\" aria-label=\"Monethera (opens in a new tab)\" href=index-830.html target=\"_blank\">Monethera<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Grupeer (opens in a new tab)\" href=index-827.html target=\"_blank\">Grupeer<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Wisefund (opens in a new tab)\" href=index-831.html target=\"_blank\">Wisefund<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Envestio (opens in a new tab)\" href=index-832.html target=\"_blank\">Envestio<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Crowdestor (opens in a new tab)\" href=index-833.html target=\"_blank\">Crowdestor<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"TFGcrowd (opens in a new tab)\" href=index-834.html target=\"_blank\">TFGcrowd<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Mintos (opens in a new tab)\" href=index-825.html target=\"_blank\">Mintos<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"Viventor (opens in a new tab)\" href=index-826.html target=\"_blank\">Viventor<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\"iban wallet (opens in a new tab)\" href=index-835.html target=\"_blank\">iban wallet<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-836.html target=\"_blank\">FastInvest<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" aria-label=\"Kuetzal (opens in a new tab)\" href=index-824.html target=\"_blank\">Kuetzal<\/a><\/strong> (read the review before investing).<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-837.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1115\" height=\"689\" data-attachment-id=\"308\" data-permalink=\"https:\/\/savingsforfreedom.com\/my-p2p-lending-investment-portfolio\/201812_investments_portfolio\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?fit=1115%2C689&amp;ssl=1\" data-orig-size=\"1115,689\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201812_Investments_Portfolio\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?fit=300%2C185&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?fit=1024%2C633&amp;ssl=1\" src=201812_investments_portfolio55d9.html alt=\"Savings4Freedom 2018 Portfolio\" class=\"wp-image-308\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?w=1115&amp;ssl=1 1115w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?resize=300%2C185&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?resize=768%2C475&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?resize=1024%2C633&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?resize=772%2C477&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/01\/201812_Investments_Portfolio.png?resize=624%2C386&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1115px) 100vw, 1115px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-837.html target=\"_blank\">Savings4Freedom Portfolio by the end of December 2018<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-837.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"922\" height=\"562\" data-attachment-id=\"6101\" data-permalink=\"https:\/\/savingsforfreedom.com\/my-p2p-lending-investment-portfolio\/201912_investments_portfolio\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=922%2C562&amp;ssl=1\" data-orig-size=\"922,562\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1572443945&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Investments_Portfolio\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=300%2C183&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=922%2C562&amp;ssl=1\" src=201912_investments_portfolio9f1f.html alt=\"Savings4Freedom Portfolio\" class=\"wp-image-6101\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?w=922&amp;ssl=1 922w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=300%2C183&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=768%2C468&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=772%2C471&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=624%2C380&amp;ssl=1 624w\" sizes=\"auto, (max-width: 922px) 100vw, 922px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-837.html target=\"_blank\">Savings4Freedom Portfolio by the end of December 2019<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>From ~200\u20ac in monthly returns by December 2018 to more than 600\u20ac by December 2019. This returns resulted in \u20ac1.693,83 (before taxes) in 2018 and \u20ac4.918,93 (before taxes) in 2019.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-838.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1130\" height=\"583\" data-attachment-id=\"6069\" data-permalink=\"https:\/\/savingsforfreedom.com\/201912_investments_returns\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=1130%2C583&amp;ssl=1\" data-orig-size=\"1130,583\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1553100309&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Investments_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=300%2C155&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=1024%2C528&amp;ssl=1\" src=201912_investments_returnsa62b.html alt=\"Investment Returns @ Savings4Freedom\" class=\"wp-image-6069\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?w=1130&amp;ssl=1 1130w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=1024%2C528&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=768%2C396&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=772%2C398&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=624%2C322&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><figcaption><a href=index-838.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Savings4Freedom P2P CrowdInvesting Income Evolution Graph (opens in a new tab)\">Savings4Freedom P2P CrowdInvesting Income Evolution Graph<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<h4 id=\"however-the-key-lesson-from-2019-is-that-p2p-returns-are-not-real-until-they-are-back-into-your-bank-account-from-your-p2p-platform-p2p-crowdlending-is-a-high-risk-investment-and-everyone-needs-to\" class=\"has-text-align-center wp-block-heading\"><em>However, the key lesson from 2019 is that <strong>P2P<\/strong> <strong>returns are not real until they are back into your bank account, from your P2P platform<\/strong>. P2P crowdlending is a high-risk investment and everyone needs to have this message clear in their analysis before investing.<\/em><\/h4>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211806343\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"savings4freedom-key-goals-for-2020\" class=\"wp-block-heading\">Savings4Freedom Key Goals for 2020<\/h2>\n\n\n\n<p>Now I want to share with you my 4 key objectives for 2020:<\/p>\n\n\n\n<h3 id=\"objective-1-reduce-and-rebalance-my-p2p-crowdinvesting-portfolio\" class=\"wp-block-heading\"><strong>Objective 1:<\/strong> Reduce and Rebalance my P2P Crowdinvesting Portfolio<\/h3>\n\n\n\n<p>During 2019 my main goal was to maximize returns from my P2P investments. This decision drove my actions from P2Consumer crowdlending platforms, such as <strong><a rel=\"noreferrer noopener\" href=index-825.html target=\"_blank\">Mintos<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-826.html target=\"_blank\">Viventor<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-827.html target=\"_blank\">Grupeer<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-836.html target=\"_blank\">FastInvest<\/a><\/strong> or <strong><a rel=\"noreferrer noopener\" aria-label=\"Robocash (opens in a new tab)\" href=index-839.html target=\"_blank\">Robocash<\/a><\/strong> towards P2Business crowdinvestment platforms, such as <strong><a rel=\"noreferrer noopener\" href=index-830.html target=\"_blank\">Monethera<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-831.html target=\"_blank\">Wisefund<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-832.html target=\"_blank\">Envestio<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-833.html target=\"_blank\">Crowdestor<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-834.html target=\"_blank\">TFGcrowd<\/a><\/strong>, or <strong><a rel=\"noreferrer noopener\" href=index-824.html target=\"_blank\">Kuetzal<\/a><\/strong> (read the review). This increased the portfolio risk in a significant manner.<\/p>\n\n\n\n<p>The results have been positive, as you can see in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><a href=index-838.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"SAVINGS4FREEDOM Portfolio (opens in a new tab)\">SAVINGS4FREEDOM Portfolio<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2018<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2019<\/strong><\/td><\/tr><tr><td><strong>Internal Rate of Return (IRR)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">13.02%<\/td><td class=\"has-text-align-center\" data-align=\"center\">14.74%<\/td><\/tr><tr><td><strong>True Time-Weighted Rate of Return<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">9.32%<\/td><td class=\"has-text-align-center\" data-align=\"center\">14.83%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>However, since <strong><a rel=\"noreferrer noopener\" href=index-824.html target=\"_blank\">Kuetzal<\/a><\/strong> (read the review) is confirmed as a scam, all the positive outlook presented above disappears in one instant. That is <strong><a rel=\"noreferrer noopener\" aria-label=\"one of the risks of these types of investments (opens in a new tab)\" href=index-840.html target=\"_blank\">one of the potential risks of these types of investments<\/a><\/strong>. I want to emphasize to all my friends the same warning.<\/p>\n\n\n\n<p>In light of this reality, I will reduce in half my portfolio and rebalance my P2P investments portfolio in such a manner that I genuinely diversify my crowdlending investment, but at the same time, I gain comparative visibility over the results obtained from my different P2P platform choices on a monthly basis.<\/p>\n\n\n\n<h4 id=\"the-reduction-of-my-p2p-portfolio-aims-towards-reducing-the-risk-of-my-overall-investments-and-my-exposure-to-this-particular-asset-class-until-more-information-is-available-i-suggest-everyone-to-wa\" class=\"has-text-align-center wp-block-heading\">The reduction of my P2P portfolio aims towards reducing the risk of my overall investments and my exposure to this particular asset class. Until more information is available, I suggest everyone to wait.<\/h4>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=index-837.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6277\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/2020_goals_2e5k_plan\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?fit=225%2C225&amp;ssl=1\" data-orig-size=\"225,225\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2020_Goals_2e5K_Plan\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?fit=225%2C225&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?fit=225%2C225&amp;ssl=1\" src=2020_goals_2e5k_plandba9.html alt=\"The 2.5K Club @ Savings4Freedom\" class=\"wp-image-6277\" width=\"356\" height=\"356\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?w=225&amp;ssl=1 225w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_2e5K_Plan.png?resize=96%2C96&amp;ssl=1 96w\" sizes=\"auto, (max-width: 356px) 100vw, 356px\" \/><\/a><figcaption><a href=index-838.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"The \u20ac2.5K Club: reduce and rebalance my P2P portfolio (opens in a new tab)\"><strong>The \u20ac2.5K Club:<\/strong> reduce and rebalance my P2P portfolio<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>This will be reflected initially in the <strong>\u20ac2.5K club<\/strong>: I will reduce the exposure I have in some of the P2P platforms I use where I invest more than \u20ac2.5K and increase in others where I currently allocate less than \u20ac2.5K. I will update this approach based on market conditions or particular industry information. This decision will pressure me to assume higher discipline and control my willingness to invest in higher return\/risk platforms. <\/p>\n\n\n\n<p>Two main implications will happen from this process: <\/p>\n\n\n\n<p><strong>a)<\/strong> <strong>My monthly returns will drop<\/strong> since I will move funds from P2P platforms with higher interest rates towards others with lower interest rates; but also&#8230;<br><strong>b) I will keep validating the liquidity of my P2P investments<\/strong>, by continuous withdrawal of funds from multiple platforms every single month. This action, if successful, will allow me to keep trust in my P2P investments.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 id=\"objective-2-explore-new-investment-options\" class=\"wp-block-heading\"><strong>Objective 2:<\/strong> Explore New Investment Options <\/h3>\n\n\n\n<p>The key reason why I invest in P2P lending and crowdinvesting is the simplicity of the idea behind this investment model: money + time = interest. Also, it was my personal understanding that with an investment portfolio below \u20ac50K, I was not able to obtain true diversification by dividing my savings into other asset classes.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-841.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" data-attachment-id=\"6144\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/2020_goals_diversification-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?fit=1024%2C681&amp;ssl=1\" data-orig-size=\"1024,681\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2020_Goals_Diversification-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?fit=1024%2C681&amp;ssl=1\" src=2020_goals_diversification-14044.html alt=\"Diversification @ Savings4Freedom\" class=\"wp-image-6144\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?resize=768%2C511&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?resize=772%2C513&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/2020_Goals_Diversification-1.jpg?resize=624%2C415&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a href=index-841.html>I&#8217;m currently learning how to invest by using <strong>eToro<\/strong> \u20ac100K virtual portfolio simulator<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>One of my objectives for 2020 is precisely to explore other investment options towards a more balanced and reliable return strategy. This means not only the exploration of the stock market (I&#8217;m currently learning how to invest by using <strong><a href=index-841.html>eToro<\/a><\/strong> \u20ac100K virtual portfolio simulator) but also other alternative investments that I will share with you along this year.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 id=\"objective-3-start-a-new-business\" class=\"wp-block-heading\"><strong>Objective 3:<\/strong> Start a New Business<\/h3>\n\n\n\n<p>As probably some of you are aware, my wife is a pet-sitter at <strong><a href=index-842.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">4EveryPet<\/a><\/strong>. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-842.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1120\" height=\"656\" data-attachment-id=\"6148\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/202001_goals_4everypet\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=1120%2C656&amp;ssl=1\" data-orig-size=\"1120,656\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1565177943&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"202001_Goals_4EveryPet\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=300%2C176&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?fit=1024%2C600&amp;ssl=1\" src=202001_goals_4everypetc4cf.html alt=\"4EveryPet @ Savings4Freedom\" class=\"wp-image-6148\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?w=1120&amp;ssl=1 1120w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=300%2C176&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=1024%2C600&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=768%2C450&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=772%2C452&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/202001_Goals_4EveryPet.jpg?resize=624%2C365&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1120px) 100vw, 1120px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>With the funds made available from P2P investment withdrawals, one of my personal goals for the year is to build a digital business based on this particular niche market. This will be a particularly challenging objective, that will demand significant investment and with no promise of actual returns in the short term, but this is a long-term plan. I truly want to kick-off this project and turn it into reality until the end of the year. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 id=\"objective-4-improve-the-savings4freedom-blog-design-contents-quality-and-value\" class=\"wp-block-heading\"><strong>Objective 4:<\/strong> Improve the Savings4Freedom Blog Design, Contents Quality, and Value<\/h3>\n\n\n\n<p>This last objective results from your direct feedback. I really appreciate all your direct messages, emails, and comments during 2019. I took note of your impressions and ideas on how the blog should improve and I will do my best to deliver.<\/p>\n\n\n\n<p>As stated above, this blog works for me as a powerful motivational tool. It keeps me focused to report my findings, share my opinions and results every single month. But the most interesting aspect was the opening of conversations and network opportunities with fellow investors that face the same problems and search for the most reliable solutions. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-843.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"820\" height=\"462\" data-attachment-id=\"6151\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/facebook-cover-2-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?fit=820%2C462&amp;ssl=1\" data-orig-size=\"820,462\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Facebook-Cover-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?fit=820%2C462&amp;ssl=1\" src=facebook-cover-205f2.html alt=\"Savings4Freedom\" class=\"wp-image-6151\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?w=820&amp;ssl=1 820w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?resize=768%2C433&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?resize=772%2C435&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Facebook-Cover-2.jpg?resize=624%2C352&amp;ssl=1 624w\" sizes=\"auto, (max-width: 820px) 100vw, 820px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>These are the key reasons why I will dedicate more time to the blog in 2020. <\/p>\n\n\n\n<p>But, without any further due, let\u2019s check the&nbsp;<a rel=\"noreferrer noopener\" href=index-844.html target=\"_blank\"><strong>Savings4Freedom<\/strong><\/a>&nbsp;returns!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!--more-->\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211807933\"\/>\n\n\n\n<h2 id=\"s4f-portfolio-update-december-2019\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" aria-label=\"S4F Portfolio Update August 2019 (opens in a new tab)\" href=index-838.html target=\"_blank\">S4F Portfolio Update December 2019<\/a><\/h2>\n\n\n\n<p>You can see real screenshots of my accounts and my summary review of the platforms by checking&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-838.html target=\"_blank\"><strong>my P2P platforms portfolio<\/strong><\/a>&nbsp;page.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-838.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"922\" height=\"562\" data-attachment-id=\"6101\" data-permalink=\"https:\/\/savingsforfreedom.com\/my-p2p-lending-investment-portfolio\/201912_investments_portfolio\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=922%2C562&amp;ssl=1\" data-orig-size=\"922,562\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1572443945&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Investments_Portfolio\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=300%2C183&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?fit=922%2C562&amp;ssl=1\" src=201912_investments_portfolio4742.html alt=\"Savings4Freedom Portfolio\" class=\"wp-image-6101\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?w=922&amp;ssl=1 922w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=300%2C183&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=768%2C468&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=772%2C471&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Portfolio.jpg?resize=624%2C380&amp;ssl=1 624w\" sizes=\"auto, (max-width: 922px) 100vw, 922px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-838.html target=\"_blank\">My current P2P lending investments portfolio<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>Due to all the confusion <a rel=\"noreferrer noopener\" aria-label=\"around crowdlending that happened in November (opens in a new tab)\" href=index-845.html#more-5506\" target=\"_blank\"><strong>around crowdlending that happened in November<\/strong><\/a>, combined with the holidays and family time, December was the most quiet month in a long time for my portfolio.<\/p>\n\n\n\n<p>Over last month, I finally recovered my delayed investments in <strong><a rel=\"noreferrer noopener\" href=index-846.html target=\"_blank\">Viventor<\/a><\/strong>, reaching my 500\u20ac end of the year goal. <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong> almost reached the same level. Based on my 2020 goals, I will reinvest some funds on these two platforms again. I transferred savings to <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong>. Withdraw funds from <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-846.html target=\"_blank\">Viventor<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/strong>.<\/p>\n\n\n\n<p>No reinforcements or withdrawals from <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-852.html target=\"_blank\">Kuetzal<\/a><\/strong> (<strong>warning message on the report below<\/strong>), <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-856.html target=\"_blank\">TFG crowd<\/a><\/strong>. <\/p>\n\n\n\n<p>Instead of starting my test investments on <strong><a rel=\"noreferrer noopener\" href=index-857.html target=\"_blank\">IUVO Group<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-858.html target=\"_blank\">Fellow Finance<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-859.html target=\"_blank\">Lendermarket<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" href=index-860.html target=\"_blank\">Boldyield<\/a><\/strong><em>&nbsp;<\/em>I decided to wait and see the industry developments during the beginning of the year. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-861.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" data-attachment-id=\"6162\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/nexo-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?fit=1000%2C500&amp;ssl=1\" data-orig-size=\"1000,500\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Nexo-Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?fit=1000%2C500&amp;ssl=1\" src=nexo-logo3186.html alt=\"NEXO Logo @ Savings4Freedom\" class=\"wp-image-6162\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?resize=768%2C384&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?resize=772%2C386&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/Nexo-Logo.jpeg?resize=624%2C312&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" aria-label=\"there is a new platform I truly want to test: NEXO (opens in a new tab)\" href=index-861.html target=\"_blank\">There is a new platform I truly want to test: <strong>NEXO<\/strong><\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>But there is a new platform I truly want to test: <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-861.html target=\"_blank\">NEXO<\/a><\/strong>. Some fellow investors already told me great things about this Cryptocurrency Backed Loans platform and how they earn an 8% annual interest rate. How? In reality, with over 250,000 users, <strong><a rel=\"noreferrer noopener\" href=index-861.html target=\"_blank\">NEXO<\/a><\/strong> is the world\u2019s biggest interest-earning platform. Interests are compounded, paid daily, and with no fees. One of the interesting aspects of the platform is that <strong><a rel=\"noreferrer noopener\" href=index-861.html target=\"_blank\">NEXO<\/a><\/strong> is 100% Asset-Backed, with funds secured at all times by Lloyd\u2019s of London insurance amounting to $100 million per each customer.<\/p>\n\n\n\n<p>I will research more but seems like an interesting competitor for <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/strong> regarding my short-term savings. Since I will be looking to save towards my new business, earning some extra daily interest on these funds is really attractive. <\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211808482\"\/>\n\n\n\n<p>In 2019, my<strong> Top personal P2P platform choices<\/strong> were responsible for almost all the returns obtained by <strong><a rel=\"noreferrer noopener\" href=index-844.html target=\"_blank\">Savings4Freedom<\/a><\/strong>. I will try to recover my funds from <strong><a rel=\"noreferrer noopener\" href=index-852.html target=\"_blank\">Kuetzal<\/a><\/strong> and eventually close my position, and I decided to do the same with my <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong> account, for different reasons that I explain later in the post.<\/p>\n\n\n\n<figure class=\"wp-block-table alignwide is-style-stripes\"><table><thead><tr><th><strong>Platform<\/strong><\/th><th><strong>Loan Type<\/strong><\/th><th><strong>Average Annual Interest Rate<\/strong><\/th><th><strong>Average Annual Interest Rate<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a rel=\"noreferrer noopener\" aria-label=\"\ufffcMonethera (opens in a new tab)\" href=index-848.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"87\" data-attachment-id=\"2593\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=2593\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Monethera.png.jpg?fit=400%2C231&amp;ssl=1\" data-orig-size=\"400,231\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1563230913&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Monethera.png\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Monethera.png.jpg?fit=300%2C173&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Monethera.png.jpg?fit=400%2C231&amp;ssl=1\" class=\"wp-image-2593\" style=\"width: 150px;\" src=monethera.png0b01.html alt=\"Monethera @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Monethera.png.jpg?w=400&amp;ssl=1 400w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Monethera.png.jpg?resize=300%2C173&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><strong>Monethera<\/strong><\/a><\/td><td>Enterprise &amp; Real Estate<\/td><td>~19%<\/td><td><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-848.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-848.html target=\"_blank\">Monethera<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 5\u20ac in cash bonus and 0.5%<\/strong> on all investments over the first 180 days in cashback<\/em>.<br><br><strong>SPECIAL Savings4Freedom CASHBACK BONUS:<\/strong> in case you use the promo code: <strong><a rel=\"noreferrer noopener\" aria-label=\"savings4freedom (opens in a new tab)\" href=index-848.html target=\"_blank\">savings4freedom<\/a><\/strong>, you will get cashback for <strong>360 days instead of 180 days<\/strong>! <span style=\"text-decoration: underline;\">This is a limited offer!<\/span> <em>Only the first 50 accounts to add this promo code enjoy this cashback bonus<\/em>. <br><br>Check my initial review on <strong><a rel=\"noreferrer noopener\" href=index-862.html target=\"_blank\">Monethera and details on my account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-849.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcEnvestio (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"63\" data-attachment-id=\"225\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=225\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Envestio_logo.png?fit=345%2C146&amp;ssl=1\" data-orig-size=\"345,146\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Envestio_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Envestio_logo.png?fit=300%2C127&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Envestio_logo.png?fit=345%2C146&amp;ssl=1\" class=\"wp-image-225\" style=\"width: 150px;\" src=envestio_logo61eb.html alt=\"Envestio @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Envestio_logo.png?w=345&amp;ssl=1 345w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Envestio_logo.png?resize=300%2C127&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-849.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcEnvestio (opens in a new tab)\">Envestio<\/a><\/strong><\/td><td>Enterprise &amp; Real Estate<\/td><td>~17%<\/td><td><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-849.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-849.html target=\"_blank\">Envestio<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 5\u20ac in cash bonus and 0.5%<\/strong> on all investments over the first 270 days in cashback<\/em>.<br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-863.html target=\"_blank\">Envestio account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"54\" data-attachment-id=\"3249\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=3249\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?fit=700%2C250&amp;ssl=1\" data-orig-size=\"700,250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Kuetzal_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?fit=300%2C107&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?fit=700%2C250&amp;ssl=1\" class=\"wp-image-3249\" style=\"width: 150px;\" src=kuetzal_logoefc4.html alt=\"\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?w=700&amp;ssl=1 700w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?resize=300%2C107&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Kuetzal_logo.jpg?resize=624%2C223&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Kuetzal<\/a><\/strong><\/td><td>SCAM<\/td><td>~0%<\/td><td><strong>WARNING:<\/strong> Fraud platform!<br>Please don&#8217;t invest. Read the section about<strong> <\/strong><em><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong>Kuetzal<\/strong><\/a><\/em><strong> <\/strong>below!<br><br>Check my <a rel=\"noreferrer noopener\" href=index-864.html target=\"_blank\"><strong>Kuetzal account here<\/strong><\/a>.<\/td><\/tr><tr><td><a href=index-854.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcWisefund (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"42\" data-attachment-id=\"3731\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/wisefund-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Wisefund-Logo.jpg?fit=512%2C142&amp;ssl=1\" data-orig-size=\"512,142\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1566482456&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Wisefund Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Wisefund-Logo.jpg?fit=300%2C83&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Wisefund-Logo.jpg?fit=512%2C142&amp;ssl=1\" class=\"wp-image-3731\" style=\"width: 150px;\" src=wisefund-logoed16.html alt=\"Wisefund Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Wisefund-Logo.jpg?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Wisefund-Logo.jpg?resize=300%2C83&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-854.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcWisefund (opens in a new tab)\">Wisefund<\/a><\/strong><\/td><td>Enterprise &amp; Real Estate<\/td><td>~19%<\/td><td><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-854.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 0.5%<\/strong> on all investments over the first 270 days in cashback<\/em>.<br><br>Check my <strong><a href=index-865.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Wisefund account here (opens in a new tab)\">Wisefund account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-855.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcCrowdestor (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"27\" data-attachment-id=\"3725\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/crowdestate-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?fit=991%2C178&amp;ssl=1\" data-orig-size=\"991,178\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Crowdestate Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?fit=300%2C54&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?fit=991%2C178&amp;ssl=1\" class=\"wp-image-3725\" style=\"width: 150px;\" src=crowdestate-logo46a7.html alt=\"Crowdestate Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?w=991&amp;ssl=1 991w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?resize=300%2C54&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?resize=768%2C138&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?resize=772%2C139&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Crowdestate-Logo.jpeg?resize=624%2C112&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-855.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcCrowdestor (opens in a new tab)\">Crowdestor<\/a><\/strong><\/td><td>Enterprise &amp; Real Estate<\/td><td>~17%<\/td><td><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-855.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 0.5%<\/strong> on all investments over the first 180 days in cashback<\/em>.<br><br>Check my <strong><a href=index-866.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Crowdestor account here (opens in a new tab)\">Crowdestor account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-856.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcTFGCrowd (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"98\" data-attachment-id=\"3824\" data-permalink=\"https:\/\/savingsforfreedom.com\/all-p2p-lending-platforms-money-bonus-and-cashback-offers-available-now\/201909-tfg-crowd-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/201909-TFG-Crowd-Logo.png?fit=300%2C295&amp;ssl=1\" data-orig-size=\"300,295\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201909 TFG Crowd Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/201909-TFG-Crowd-Logo.png?fit=300%2C295&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/201909-TFG-Crowd-Logo.png?fit=300%2C295&amp;ssl=1\" class=\"wp-image-3824\" style=\"width: 100px;\" src=201909-tfg-crowd-logo1ac3.html alt=\"TFG Crowd Logo @&nbsp;Savings4Freedom\"><\/a><strong><a href=index-856.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcTFGCrowd (opens in a new tab)\">TFGCrowd<\/a><\/strong><\/td><td>Enterprise &amp; Real Estate<\/td><td>~17%<\/td><td><em>No bonus for new investors from <strong><a rel=\"noreferrer noopener\" aria-label=\"TFGCrowd (opens in a new tab)\" href=index-856.html target=\"_blank\">TFGCrowd<\/a><\/strong>, but you can create your account<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-856.html target=\"_blank\"> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a href=index-867.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"TFG Crowd account here (opens in a new tab)\">TFG Crowd account here<\/a><\/strong>.<\/td><\/tr><tr><td><strong><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcGrupeer (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"38\" data-attachment-id=\"1570\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=1570\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Grupeer_logo.jpeg?fit=445%2C113&amp;ssl=1\" data-orig-size=\"445,113\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Grupeer_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Grupeer_logo.jpeg?fit=300%2C76&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Grupeer_logo.jpeg?fit=445%2C113&amp;ssl=1\" class=\"wp-image-1570\" style=\"width: 150px;\" src=grupeer_logo80b5.html alt=\"Grupeer @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Grupeer_logo.jpeg?w=445&amp;ssl=1 445w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Grupeer_logo.jpeg?resize=300%2C76&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>Grupeer<\/a><\/strong><\/td><td>Enterprise &amp; Real Estate<\/td><td>~13%<\/td><td><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-853.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 1.25%<\/strong> on all investments over the first 6 months in cashback<\/em>.<br><br>Check my <strong><a href=index-868.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Grupeer account here (opens in a new tab)\">Grupeer account here<\/a><\/strong>.<\/td><\/tr><tr><td><a rel=\"noreferrer noopener\" aria-label=\"\ufffcMintos (opens in a new tab)\" href=index-847.html target=\"_blank\"><strong><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"69\" data-attachment-id=\"3708\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/mintos-logo-432x200\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/mintos-logo-432x200.png?fit=432%2C200&amp;ssl=1\" data-orig-size=\"432,200\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"mintos-logo-432&#215;200\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/mintos-logo-432x200.png?fit=300%2C139&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/mintos-logo-432x200.png?fit=432%2C200&amp;ssl=1\" class=\"wp-image-3708\" style=\"width: 150px;\" src=mintos-logo-432x200b72f.html alt=\"Mintos Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/mintos-logo-432x200.png?resize=432%2C200&amp;ssl=1 432w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/mintos-logo-432x200.png?resize=300%2C139&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>Mintos<\/strong><\/a><\/td><td>Consumer<\/td><td>~11%<\/td><td><em>In case you&nbsp;<a href=index-847.html>employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-847.html target=\"_blank\">Mintos<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 0.5%<\/strong> on all investments over the first 90 days in cashback<\/em>.<br><br>Check my <strong><a href=index-869.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mintos account here (opens in a new tab)\">Mintos account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-850.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcFastInvest (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"22\" data-attachment-id=\"573\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=573\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?fit=1600%2C239&amp;ssl=1\" data-orig-size=\"1600,239\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"FastInvest_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?fit=300%2C45&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?fit=1024%2C153&amp;ssl=1\" class=\"wp-image-573\" style=\"width: 150px;\" src=fastinvest_logo376e.html alt=\"FastInvest @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?resize=300%2C45&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?resize=768%2C115&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?resize=1024%2C153&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?resize=772%2C115&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/FastInvest_logo.png?resize=624%2C93&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-850.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcFastInvest (opens in a new tab)\">FastInvest<\/a><\/strong><\/td><td>Consumer<\/td><td>~10%<\/td><td><em>No bonus for new investors from <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">FastInvest<\/a><\/strong>, but you can create your account<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-850.html target=\"_blank\"> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" aria-label=\"FastInvest account here (opens in a new tab)\" href=index-870.html target=\"_blank\">FastInvest account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-871.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcViventor (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"25\" data-attachment-id=\"211\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=211\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Viventor_logo.png?fit=551%2C91&amp;ssl=1\" data-orig-size=\"551,91\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Viventor_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Viventor_logo.png?fit=300%2C50&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Viventor_logo.png?fit=551%2C91&amp;ssl=1\" class=\"wp-image-211\" style=\"width: 150px;\" src=viventor_logo4735.html alt=\"Viventor @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Viventor_logo.png?w=551&amp;ssl=1 551w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Viventor_logo.png?resize=300%2C50&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><strong><a href=index-871.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffcViventor (opens in a new tab)\">Viventor<\/a><\/strong><\/td><td>Consumer<\/td><td>~11%<\/td><td><em>No bonus for new investors from <strong><a href=index-871.html>Viventor<\/a><\/strong>, but you can create your account<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-871.html target=\"_blank\"> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" aria-label=\"Viventor account here (opens in a new tab)\" href=index-872.html target=\"_blank\">Viventor account here<\/a><\/strong>.<\/td><\/tr><tr><td><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffciban Wallet (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"54\" data-attachment-id=\"2678\" data-permalink=\"https:\/\/savingsforfreedom.com\/iban-wallet-analysis-and-review\/iban-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/iBAN-logo.png?fit=276%2C99&amp;ssl=1\" data-orig-size=\"276,99\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"iBAN-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/iBAN-logo.png?fit=276%2C99&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/iBAN-logo.png?fit=276%2C99&amp;ssl=1\" class=\"wp-image-2678\" style=\"width: 150px;\" src=iban-logoefc4.html alt=\"iban wallet @ Savings4Freedom\"><\/a><strong><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffciban Wallet (opens in a new tab)\">iban Wallet<\/a><\/strong><\/td><td>Consumer<\/td><td>2.5%<\/td><td><em>You can sign up and invest through&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-851.html target=\"_blank\">my referral link<\/a>&nbsp;you can join the <\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong> <em>referral program and&nbsp;<\/em><strong><em>get \u20ac25 for every invitee that invests more than \u20ac1000<\/em><\/strong>.<br><br>Make sure to add the referral code <strong>&#8211; RCARLOS3EG8D &#8211; <\/strong>when creating your account!<br><br><strong>Special Savings4Freedom Blog Bonus: <\/strong>during December and January,&nbsp;every reader&nbsp;who joins&nbsp;<strong><em><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong>&nbsp;will get a <strong>3% interest rate<\/strong> on their&nbsp;<strong><em><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong>&nbsp;account <strong>for 6 months<\/strong> by adding \u20ac300&nbsp;or more using the code <strong>XMAS3<\/strong>.<br><br><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.&nbsp;<br><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-851.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"272\" data-attachment-id=\"4148\" data-permalink=\"https:\/\/savingsforfreedom.com\/all-p2p-lending-platforms-money-bonus-and-cashback-offers-available-now\/image-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?fit=1258%2C1140&amp;ssl=1\" data-orig-size=\"1258,1140\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?fit=300%2C272&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?fit=1024%2C928&amp;ssl=1\" scale=\"0\" class=\"wp-image-4148\" style=\"width: 300px;\" src=image-1cb33.html alt=\"iban bonus @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?w=1258&amp;ssl=1 1258w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?resize=300%2C272&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?resize=768%2C696&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?resize=1024%2C928&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?resize=772%2C700&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/image-1.png?resize=624%2C565&amp;ssl=1 624w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><br><br>Check my initial review on <strong><a rel=\"noreferrer noopener\" aria-label=\"iban wallet and details on my account here (opens in a new tab)\" href=index-873.html target=\"_blank\">iban wallet and details on my account here<\/a><\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211808776\"\/>\n\n\n\n<h2 id=\"n26-account-revolut-and-transferwise\" class=\"wp-block-heading\"><a href=index-310.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">N26<\/a> account, <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-452.html target=\"_blank\">Revolut<\/a>, and <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-799.html target=\"_blank\">Transferwise<\/a><\/h2>\n\n\n\n<p>Start using my <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-310.html target=\"_blank\"><strong>N26 Account<\/strong><\/a> was one of my best decisions in 2019! It makes it so much easier for me to <a rel=\"noreferrer noopener\" aria-label=\"my portfolio management (opens in a new tab)\" href=index-838.html target=\"_blank\">manage my P2P lending portfolio<\/a>. With all the transactions between <a rel=\"noreferrer noopener\" aria-label=\"P2P platforms (opens in a new tab)\" href=index-874.html target=\"_blank\"><strong>P2P platforms<\/strong><\/a>, it would be impossible for me to manage without the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-310.html target=\"_blank\">simple interface N26 offers<\/a>. I highly recommend it! <\/p>\n\n\n\n<p>If you decide to create an account, please use <strong><a href=index-310.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">this link<\/a><\/strong> or write the referral code: <strong><em>carlosb2903<\/em><\/strong><\/p>\n\n\n\n<p>My decision to follow the 3 buckets account approach is working:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>One bank account for my daily expenses: <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-875.html target=\"_blank\">Revolut<\/a><\/strong>;<\/li><li>One for my savings and emergency funds: <strong><a rel=\"noreferrer noopener\" href=index-310.html target=\"_blank\">N26 Savings Account<\/a><\/strong> and shortly <strong><a rel=\"noreferrer noopener\" href=index-861.html target=\"_blank\">NEXO<\/a><\/strong>;<\/li><li><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-310.html target=\"_blank\"><strong>N26 Account<\/strong><\/a> to manage my P2P Investments.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-310.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" data-attachment-id=\"1337\" data-permalink=\"https:\/\/savingsforfreedom.com\/savings-history\/take-advantage-of-digital-banks\/n26-bank\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?fit=1153%2C649&amp;ssl=1\" data-orig-size=\"1153,649\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"N26 Bank\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?fit=1024%2C576&amp;ssl=1\" src=n26-bank-1024x576da73.html alt=\"N26 Bank @ Savings4Freedom\" class=\"wp-image-1337\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?resize=772%2C435&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?resize=624%2C351&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/N26-Bank.png?w=1153&amp;ssl=1 1153w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a href=index-310.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">I highly recommend the N26 Account. Photo: N26<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>This approach, combined with the use of <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-312.html target=\"_blank\"><strong>Transferwise<\/strong><\/a> when I need to exchange currencies is simplifying my life and increasing visibility over all my transactions.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809024\"\/>\n\n\n\n<h2 id=\"s4f-monthly-income-statement-december-2019\" class=\"wp-block-heading\">S4F Monthly Income Statement: December 2019<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P<\/strong><strong>latform<\/strong><\/td><td><strong>Invested (\u20ac)<\/strong><\/td><td><strong>Month Return (\u20ac)<\/strong><\/td><td><strong>Asset Profit (\u20ac)<\/strong><\/td><td><strong>Asset Value (\u20ac)<\/strong><\/td><\/tr><tr><td><a href=index-848.html target=\"_blank\" rel=\"noreferrer noopener\">MONETHERA<\/a><\/td><td>7.574,90<\/td><td>113,27<\/td><td>425,10<\/td><td>8.000,00<\/td><\/tr><tr><td><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\">GRUPEER<\/a><\/td><td>4.545,35<\/td><td>57,20<\/td><td>818,71<\/td><td>5.364,06<\/td><\/tr><tr><td><a href=index-854.html target=\"_blank\" rel=\"noreferrer noopener\">WISEFUND<\/a><\/td><td>3.406,29<\/td><td>54,83<\/td><td>167,33<\/td><td>3.573,62<\/td><\/tr><tr><td><a href=index-849.html target=\"_blank\" rel=\"noreferrer noopener\">ENVESTIO<\/a><\/td><td>5.478,79<\/td><td>84,87<\/td><td>771,31<\/td><td>6.250,10<\/td><\/tr><tr><td><a href=index-855.html target=\"_blank\" rel=\"noreferrer noopener\">CROWDESTOR<\/a><\/td><td>2.121,76<\/td><td>1,17<\/td><td>32,94<\/td><td>2.154,70<\/td><\/tr><tr><td><a href=index-856.html target=\"_blank\" rel=\"noreferrer noopener\">TFGcrowd<\/a><\/td><td>1.829,46<\/td><td>27,70<\/td><td>72,13<\/td><td>1.901,59<\/td><\/tr><tr><td><a href=index-847.html target=\"_blank\" rel=\"noreferrer noopener\">MINTOS<\/a><\/td><td>-1.260,99<\/td><td>2,06<\/td><td>1.822.39<\/td><td>561,40<\/td><\/tr><tr><td><a href=index-846.html target=\"_blank\" rel=\"noreferrer noopener\">VIVENTOR<\/a><\/td><td>-971,72<\/td><td>115,23<\/td><td>1.472,17<\/td><td>500,45<\/td><\/tr><tr><td><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\">IBAN WALLET<\/a><\/td><td>652,11<\/td><td>150,27<\/td><td>347,90<\/td><td>1000,01<\/td><\/tr><tr><td><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-824.html target=\"_blank\">KUETZAL<\/a> <strong>(SCAM)<\/strong><\/td><td>2.794,75<\/td><td>45,04<\/td><td>214,54<\/td><td>3.009,29<\/td><\/tr><tr><td><a href=index-850.html target=\"_blank\" rel=\"noreferrer noopener\">FASTINVEST<\/a><\/td><td>1.912,03<\/td><td>19,30<\/td><td>107,27<\/td><td>2.019,30<\/td><\/tr><tr><td><a href=index-876.html target=\"_blank\" rel=\"noreferrer noopener\">COINBASE<\/a><\/td><td>20,00<\/td><td>-2,38<\/td><td>5,83<\/td><td>25,83<\/td><\/tr><tr><td><a href=index-877.html target=\"_blank\" rel=\"noreferrer noopener\">BULLIONVAULT<\/a><\/td><td>1.038,28<\/td><td>23,65<\/td><td>314,02<\/td><td>1.352,30<\/td><\/tr><tr><td><a href=index-878.html target=\"_blank\" rel=\"noreferrer noopener\">ESTATEGURU<\/a><\/td><td>100,00<\/td><td>0,00<\/td><td>4,84<\/td><td>104,84<\/td><\/tr><tr><td><a href=index-879.html target=\"_blank\" rel=\"noreferrer noopener\">HOUSERS<\/a><\/td><td>50,00<\/td><td>0,57<\/td><td>51,30<\/td><td>101,30<\/td><\/tr><tr><td><a href=index-880.html target=\"_blank\" rel=\"noreferrer noopener\">REINVEST24<\/a><\/td><td>100,00<\/td><td>0,00<\/td><td>-2,00<\/td><td>98,00<\/td><\/tr><tr><td><a href=index-881.html target=\"_blank\" rel=\"noreferrer noopener\">BRICKSTARTER<\/a><\/td><td>50,00<\/td><td>0,16<\/td><td>16,01<\/td><td>66,01<\/td><\/tr><tr><td><a href=index-882.html target=\"_blank\" rel=\"noreferrer noopener\">FINBEE<\/a><\/td><td>20,46<\/td><td>-0,91<\/td><td>1,73<\/td><td>22,27<\/td><\/tr><tr><td><a href=index-883.html target=\"_blank\" rel=\"noreferrer noopener\">MONESTRO<\/a><\/td><td>16,00<\/td><td>1,00<\/td><td>5,00<\/td><td>21,00<\/td><\/tr><tr><td><a href=index-884.html target=\"_blank\" rel=\"noreferrer noopener\">VIAINVEST<\/a><\/td><td>-3,00<\/td><td>0,18<\/td><td>13,61<\/td><td>20,59<\/td><\/tr><tr><td><a href=index-415.html target=\"_blank\" rel=\"noreferrer noopener\">ROBOCASH<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>75,23<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-885.html target=\"_blank\" rel=\"noreferrer noopener\">EVOESTATE<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>31,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-886.html target=\"_blank\" rel=\"noreferrer noopener\">LENNDY<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>13,16<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-887.html target=\"_blank\" rel=\"noreferrer noopener\">NEOFINANCE<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>33,03<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-888.html target=\"_blank\" rel=\"noreferrer noopener\">CROWDESTATE<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>56,61<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-889.html target=\"_blank\" rel=\"noreferrer noopener\">BULKESTATE<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>71,50<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-890.html target=\"_blank\" rel=\"noreferrer noopener\">EKASSA<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,57<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-891.html target=\"_blank\" rel=\"noreferrer noopener\">PEERBERRY<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>5,41<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-892.html target=\"_blank\" rel=\"noreferrer noopener\">DOFINANCE<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>4,95<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-893.html target=\"_blank\" rel=\"noreferrer noopener\">DEBITUM<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>7,94<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-410.html target=\"_blank\" rel=\"noreferrer noopener\">BONDORA<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,50<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-894.html target=\"_blank\" rel=\"noreferrer noopener\">FLENDER<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-895.html target=\"_blank\" rel=\"noreferrer noopener\">RENDITY<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-896.html target=\"_blank\" rel=\"noreferrer noopener\">PROFITUS<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-897.html target=\"_blank\" rel=\"noreferrer noopener\">COINLOAN<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-898.html target=\"_blank\" rel=\"noreferrer noopener\">BITBOND<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td><a href=index-899.html target=\"_blank\" rel=\"noreferrer noopener\">PREPAYWAY<\/a><\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><td>0,00<\/td><\/tr><tr><td>&nbsp;<\/td><td>29.474,47<\/td><td>693,21<\/td><td>6.961,53<\/td><td><strong>36.146,66<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>To get a comparative analysis based on my personal opinion about multiple other platforms, please check my <strong><a rel=\"noreferrer noopener\" href=index-874.html target=\"_blank\">P2P lending platforms comparison<\/a><\/strong> page.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809289\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809318\"\/>\n\n\n\n<h2 id=\"p2p-lending-portfolio-performance\" class=\"wp-block-heading\">P2P Lending Portfolio Performance<\/h2>\n\n\n\n<p>Since I first started investing in P2P lending, my returns from crowdlending totals <strong>\u20ac6.612,76<\/strong> (\u20ac671,94 in interest during December 2019). More 94,60\u20ac than in November!<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-900.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"528\" data-attachment-id=\"6070\" data-permalink=\"https:\/\/savingsforfreedom.com\/savings-history\/investment-returs-and-interest\/201912_investments_returns-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=1130%2C583&amp;ssl=1\" data-orig-size=\"1130,583\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1553100309&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Investments_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=300%2C155&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?fit=1024%2C528&amp;ssl=1\" src=201912_investments_returns-1024x528e2ea.html alt=\"Investment Returns @ Savings4Freedom\" class=\"wp-image-6070\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=1024%2C528&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=768%2C396&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=772%2C398&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?resize=624%2C322&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Returns.jpg?w=1130&amp;ssl=1 1130w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-900.html target=\"_blank\">My historical returns since the beginning of Savings4Freedom<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>I&#8217;m truly impressed with the impact of compounding interest in the growth of my P2P portfolio. Even after withdrawing a significant amount of funds in October 2019, since these funds were invested in <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-901.html target=\"_blank\">iban wallet<\/a><\/strong>, my portfolio performance was not affected. I expect this reality to change once I start the reallocation process defined for 2020, as well as how the process to recover funds from <strong><a rel=\"noreferrer noopener\" href=index-852.html target=\"_blank\">Kuetzal<\/a><\/strong> will evolve. If I&#8217;m not able to recover funds during January, I will recognize the loss immediately.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-900.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"530\" data-attachment-id=\"6077\" data-permalink=\"https:\/\/savingsforfreedom.com\/p2p-investments-history\/201912_investments_assets\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?fit=1127%2C583&amp;ssl=1\" data-orig-size=\"1127,583\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1569877176&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Investments_Assets\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?fit=300%2C155&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?fit=1024%2C530&amp;ssl=1\" src=201912_investments_assets-1024x5304bdb.html alt=\"Savings4Freedom Crowdlending Assets Value\" class=\"wp-image-6077\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?resize=1024%2C530&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?resize=768%2C397&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?resize=772%2C399&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?resize=624%2C323&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Investments_Assets.jpg?w=1127&amp;ssl=1 1127w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-900.html target=\"_blank\">The evolution of Savings4Freedom over time<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>In October 2019 I needed to use a significant amount of funds for personal reasons. The reason why I choose<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-901.html target=\"_blank\"> <\/a><strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-901.html target=\"_blank\">iban Wallet<\/a><\/strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-901.html target=\"_blank\"> <\/a>was exactly to allow me to have access to my funds immediately, without the need to sell my position or wait for liquidity. As stated above, I will test <strong><a rel=\"noreferrer noopener\" href=index-861.html target=\"_blank\">NEXO<\/a><\/strong> for the same purpose.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809496\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809545\"\/>\n\n\n\n<h2 id=\"p2p-platforms-monthly-review\" class=\"wp-block-heading\">P2P Platforms Monthly Review<\/h2>\n\n\n\n<p>Before moving to individual platform analysis, I want to share with you a publication from Ido Shkedi that makes perfect sense right now: <strong><a rel=\"noreferrer noopener\" aria-label=\"Don't Panic (opens in a new tab)\" href=index-902.html target=\"_blank\">Don&#8217;t Panic<\/a><\/strong>. It is an excellent text that goes over crucial aspects that can define the future of the entire industry.<\/p>\n\n\n\n<p><strong>Good news:<\/strong> Also highly important to state that according to J\u00f8rgen Wolf from <a rel=\"noreferrer noopener\" aria-label=\"Financially Free Blog (opens in a new tab)\" href=index-903.html target=\"_blank\">Financially Free<\/a>  5-6 platforms are now working to create a group\/association with the purpose of telling everyone <em>\u201cWe approve each other\u2019s work\u201d<\/em>. This is a direct effort to build trust among the investors&#8217; community and to differentiate themselves from \u201cless trusted platforms\u201d.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211809805\"\/>\n\n\n\n<h2 id=\"monethera\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=monethera.png3704.html alt=\"Monethera @ Savings4Freedom\" width=\"300\" height=\"173\"\/><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 8,000\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong>. I got 113.27\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> IRR is 17.40%. <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> is joining my 2.5K club, and that means I will reduce my position over time to adjust my portfolio to that plan.<\/p>\n\n\n\n<p>Mixed feeling this month with <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong>. For the first time, they promoted a project that raised concerns&#8230; and the timing was perfect: right on target during the <strong><a rel=\"noreferrer noopener\" href=index-864.html target=\"_blank\">Kuetzal<\/a><\/strong> scam discussion.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"525\" data-attachment-id=\"5796\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5796\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?fit=1127%2C578&amp;ssl=1\" data-orig-size=\"1127,578\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577878248&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Monethera_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?fit=1024%2C525&amp;ssl=1\" src=201912_monethera_returns-1024x525b5ce.html alt=\"Monethera Returns @ Savings4Freedom\" class=\"wp-image-5796\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?resize=1024%2C525&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?resize=768%2C394&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?resize=772%2C396&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?resize=624%2C320&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Returns.jpg?w=1127&amp;ssl=1 1127w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">I took full advantage of the initial cashback offered by Monethera. Check the news below about the Promo Code feature to learn how to extend yours!<\/a><\/figcaption><\/figure>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong>&nbsp;offers among the best interest rates in the business with a buyback guarantee. But with great returns, greater risks. Make sure you gather information before investing.<\/p>\n\n\n\n<h3 id=\"coldbrook-services-ltd-questions\" class=\"wp-block-heading\">Coldbrook Services LTD Questions<\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=index-848.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6185\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_coldbrookservices\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?fit=687%2C527&amp;ssl=1\" data-orig-size=\"687,527\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;-2082844845&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_ColdbrookServices\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?fit=300%2C230&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?fit=687%2C527&amp;ssl=1\" src=201912_coldbrookservicesc7b1.html alt=\"Coldbrook Services Monethera @ Savings4Freedom\" class=\"wp-image-6185\" width=\"344\" height=\"264\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?w=687&amp;ssl=1 687w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?resize=300%2C230&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_ColdbrookServices.jpg?resize=624%2C479&amp;ssl=1 624w\" sizes=\"auto, (max-width: 344px) 100vw, 344px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Let&#8217;s explain. During December <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> presented for funding <strong><a rel=\"noreferrer noopener\" aria-label=\"Coldbrook Services LTD (opens in a new tab)\" href=index-904.html target=\"_blank\">Coldbrook Services LTD<\/a><\/strong>, a UK company looking for funding for &#8220;Cloud computing services&#8221; project. But when you search for the address, you realize that it matches hundreds of different companies. Even worst, the nature of the registered business is confusing: <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Nature of business (SIC)<\/strong> <\/p><p><em>10890 &#8211; Manufacture of other food products not elsewhere classified<br>46190 &#8211; Agents involved in the sale of a variety of goods <br>46380 &#8211; Wholesale of other food, including fish, crustaceans and molluscs <br>47290 &#8211; Other retail sale of food in specialised stores<\/em><\/p><cite><a href=index-904.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"COLDBROOK SERVICES LIMITED, Company number&nbsp;09157902 (opens in a new tab)\">COLDBROOK SERVICES LIMITED, Company number&nbsp;<strong>09157902<\/strong><\/a><\/cite><\/blockquote>\n\n\n\n<p>When you research the <strong><a rel=\"noreferrer noopener\" aria-label=\"company owner (opens in a new tab)\" href=index-905.html target=\"_blank\">company owner<\/a><\/strong>, more questions arise: The company is owned by <a rel=\"noreferrer noopener\" aria-label=\"Renars Bumanis (opens in a new tab)\" href=index-906.html target=\"_blank\">Renars Bumanis<\/a>, that had an active LinkedIn profile before this process. For some reason, I&#8217;m not able to find it and share now&#8230; <\/p>\n\n\n\n<p>In addition, the company that is the target for purchase, <strong><a rel=\"noreferrer noopener\" aria-label=\"AlfaLink (opens in a new tab)\" href=index-907.html target=\"_blank\">AlfaLink<\/a><\/strong> was liquidated in November, <a rel=\"noreferrer noopener\" aria-label=\"unless I'm doing something wrong in my search (opens in a new tab)\" href=index-908.html target=\"_blank\">unless I&#8217;m doing something wrong in my search<\/a>, which includes the research shared by <a rel=\"noreferrer noopener\" aria-label=\"Roasted PeerDuck (opens in a new tab)\" href=index-756.html target=\"_blank\">Roasted PeerDuck<\/a>.<\/p>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> decided to publish a <strong><a rel=\"noreferrer noopener\" aria-label=\"blog post (opens in a new tab)\" href=index-909.html target=\"_blank\">blog post<\/a><\/strong> on the subject, addressing some of the concerns, but without providing any information capable of reassuring investors. Read for yourself and judge <strong><a rel=\"noreferrer noopener\" aria-label=\"here (opens in a new tab)\" href=index-909.html target=\"_blank\">here<\/a><\/strong>.  <\/p>\n\n\n\n<h4 id=\"story-conclusion\" class=\"wp-block-heading\">Story Conclusion<\/h4>\n\n\n\n<p>I didn&#8217;t invest in this project. <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> was my top P2P platform choice from 2019, but this type of project raises concerns and questions.<\/p>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> continues to offer me a great investing experience. Good projects, descriptions, and financials that allow me to make informed decisions to invest. Until this particular project, in the project descriptions, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> makes an effort to justify the interest rates. I wonder if the numbers are realistic, but at least they seem to make sense. I will make sure to double my research efforts before each investment.<\/p>\n\n\n\n<p>Total investment in <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> during 2019 exceeded \u20ac4.5M, with an average APR of 18.7%.<\/p>\n\n\n\n<p><em>What have been your experiences investing in <\/em><strong><em><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/em><\/strong><em> loans until now? Please share it with the community in the comments section.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" src=201911_monethera_projectsaf19.html alt=\"Monethera Projects @ Savings4Freedom\"\/><figcaption><a href=index-848.html>Currently, only one project is open to investors on Monethera<\/a><\/figcaption><\/figure>\n\n\n\n<p>Only one project remains open at the moment I write this update. The number of investors <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> continues to grow quickly.<\/p>\n\n\n\n<h2 id=\"monethera-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"monethera-blackmail-victim\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Blackmail Victim?<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><em>&#8220;Before going forward, we are disappointed to share really sad news. Together with reasonable questions, we have received threats. We were blackmailed by publishing trumped-up information if we did not pay a certain amount of money.&#8221;<\/em><\/p><cite><a rel=\"noreferrer noopener\" aria-label=\"All you wanted to know about Coldbrook Services LTD Monethera Blog Post (opens in a new tab)\" href=index-909.html target=\"_blank\">All you wanted to know about Coldbrook Services LTD Monethera Blog Post<\/a><\/cite><\/blockquote>\n\n\n\n<p>In light of all stress around the <strong><a rel=\"noreferrer noopener\" href=index-824.html target=\"_blank\">Kuetzal<\/a><\/strong> debacle, investors are especially prone to nervous reactions to any type of bad information. I don&#8217;t know what to think about the statement presented above by <a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\"><strong>Monethera<\/strong><\/a>, but I think all P2P crowdinvesting platforms could benefit from higher transparency on their communications with investors.<\/p>\n\n\n\n<p>On this <a rel=\"noreferrer noopener\" aria-label=\"blog post (opens in a new tab)\" href=index-910.html target=\"_blank\">blog post<\/a>, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> justifies how they can present such high-interest rates, but you cannot find a single piece of information that can offer additional clarity. I would like to read the information on the following topics:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Additional information and details about the fund prior to the platform creation;<\/li><li>Financial statements of project borrowers;<\/li><li>Concrete and detailed explanation about how the monthly interest repayments are paid.<\/li><\/ul>\n\n\n\n<p>This would be much more valuable than simple write empty blog posts like the one they publish.<\/p>\n\n\n\n<h3 id=\"monethera-buyback-guarantee-from-third-party-organization-from-hong-kong\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: BuyBack Guarantee from Third-party Organization from Hong Kong<\/h3>\n\n\n\n<p>On December 20th, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> added more questions about the platform policies by announcing an additional BuyBack Guarantee from a Third-party Organization. You can read the <strong><a rel=\"noreferrer noopener\" aria-label=\"blog post here (opens in a new tab)\" href=index-911.html target=\"_blank\">blog post here<\/a><\/strong>. <\/p>\n\n\n\n<p>This for me is problematic. Just read the notes from Roasted PeerDuck on the subject:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><em>&#8220;Ok, something about Monethera and their mysterious RICHLY PACIFIC INTERNATIONAL LIMITED fund.<\/em><\/p><p><em>1.  The company has zero history in the Web. For the financial company, with high-level lawyers, dealing with bankruptcy cases it is impossible. Minimum, you will find traces in Linkedin, normally &#8211; press publication on major deals.<\/em><\/p><p><em>2. All &#8220;funds&#8221; are the subject of regulation in HK &#8211; <a rel=\"noreferrer noopener\" aria-label=\"there is no such fund (opens in a new tab)\" href=index-912.html target=\"_blank\">there is no such fund<\/a><\/em><\/p><p><em>3. HK companies are easy to buy, both fresh and with history. Usually HK shelf companies contain generic word name both to avoid trademark claims and be cross-industry flexible. Like ATLANTIC GOLD INVESTMENT LIMITED. Or similar.<\/em><\/p><p><em>4. There is no logical point for real HK company, located in other part of the world and operated under British-type legislation to mess with the bankrupted companies in the Baltic, which is not even in the scope of chinese interests (unlike Russia, Poland or Belarus).<\/em><\/p><p><em>5. They state that collector will buy out 95% of investments. This is something out of the real-world financial machinery. The rates in case of bad debt buyouts are RARELY higher than 30%. Usually &#8211; 10-20%. As usually one of four will be reclaimed and the legal effort is huge.<\/em><\/p><p><em>Striking off &#8211; the whole Monethera text is hip-hazard bullshit, however it is not indicating that they are scammers or similar. Just the fact that the person who made up all joke about HK collector is far away from finance. Opposite the story would be at least more realistic.&#8221;<\/em><\/p><cite><a href=index-913.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Roasted PeerDuck Twitter Publication (opens in a new tab)\">Roasted PeerDuck Twitter Publication<\/a><\/cite><\/blockquote>\n\n\n\n<p>This is a true bad signal from <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong>. I believe they need to actively answer these questions in a clear manner. Again, I really like the platform, but I cannot close my eyes to the reality that these questions good answers.<\/p>\n\n\n\n<h3 id=\"monethera-platform-development-roadmap\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Platform Development Roadmap<\/h3>\n\n\n\n<h4 id=\"new-promo-code-feature\" class=\"wp-block-heading\">New Promo Code Feature<\/h4>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> just made available on your dashboard a new feature that allows you<strong> to use promo codes<\/strong>&nbsp;(like <strong>savings4freedom<\/strong>) to extend the 0,5% cashback to a period of up to 360 days! Don&#8217;t miss it. The code can only be used a limited number of times, but it can\u2019t hurt to try!<\/p>\n\n\n\n<h4 id=\"loan-contracts-available-for-download\" class=\"wp-block-heading\">Loan Contracts available for Download<\/h4>\n\n\n\n<p>You can now go to the investments page and download your loan contracts.<\/p>\n\n\n\n<h4 id=\"auto-invest-feature\" class=\"wp-block-heading\">Auto-invest Feature<\/h4>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> plans to make available the Auto Invest option. Its integration is planned for January-February 2020.<\/p>\n\n\n\n<h4 id=\"new-investors-validation-through-3rd-party-feature\" class=\"wp-block-heading\">New Investors Validation through 3rd-party Feature<\/h4>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> plans to make changes to the KYC procedure. <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> has signed an agreement with Idenfy, a company specialized in the process. This will improve and speed up document verification for new users. <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> promises that this procedure will take no more than 5 minutes. This update is scheduled for the first part of January 2020.<\/p>\n\n\n\n<h3 id=\"monethera-financial-results-of-2019\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Financial Results of 2019<\/h3>\n\n\n\n<p>In February 2020, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> will update the statistics in the \u201cAbout Us\u201d section. The tracking record for 2019 will be available. I&#8217;m curious to learn more about the information they will share.<\/p>\n\n\n\n<h3 id=\"monethera-sharing-savings4freedom-review\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Sharing Savings4Freedom Review<\/h3>\n\n\n\n<p>It was really great to see&nbsp;<strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> sharing my review about the platform on their blog. Thank you for your support in making the post visible to <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> marketing team. I hope you guys see value in this blog content.<\/p>\n\n\n\n<h3 id=\"monethera-second-project-principal-repayment\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Second Project Principal Repayment<\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=index-848.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6196\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_monethera_repayment-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?fit=960%2C960&amp;ssl=1\" data-orig-size=\"960,960\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Monethera_Repayment-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?fit=960%2C960&amp;ssl=1\" src=201912_monethera_repayment-1e4f2.html alt=\"Monethera Update @ Savings4Freedom\" class=\"wp-image-6196\" width=\"480\" height=\"480\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=772%2C772&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=96%2C96&amp;ssl=1 96w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Repayment-1.jpg?resize=624%2C624&amp;ssl=1 624w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">The &#8220;<\/a><strong><a href=index-848.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Sturgeon farm productions extension (opens in a new tab)\">Sturgeon farm productions extension<\/a><\/strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">&#8221; project has been successfully finished<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>On January 7th, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> repaid the &#8220;<strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Sturgeon farm productions extension<\/a><\/strong>&#8221; project. It was a 6-month project and the principal amount repayment has been made on time. <\/p>\n\n\n\n<h3 id=\"monethera-liquidity-test\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Liquidity Test<\/h3>\n\n\n\n<p>In line with my 2020 objectives, I withdraw funds from <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> in order to reach the \u20ac2.5K goal to manage my P2P lending platforms. This also works as a liquidity test. I will share updates on a monthly basis.<\/p>\n\n\n\n<h3 id=\"monethera-growing-number-of-investors\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a>: Growing Number of Investors<\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=index-848.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"6193\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_monethera_investors\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?fit=960%2C960&amp;ssl=1\" data-orig-size=\"960,960\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Monethera_Investors\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?fit=960%2C960&amp;ssl=1\" src=201912_monethera_investorse4f2.html alt=\"Monethera Number of Investors @ Savings4Freedom\" class=\"wp-image-6193\" width=\"480\" height=\"480\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=772%2C772&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=96%2C96&amp;ssl=1 96w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Monethera_Investors.png?resize=624%2C624&amp;ssl=1 624w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">The number of investors in Monethera is growing quickly!<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>The number of investors is growing and at the beginning of January, <strong><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/strong> shared that they currently have 2224 investors, from 1754 in December.<\/p>\n\n\n\n<h2 id=\"monethera-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" href=index-848.html target=\"_blank\">Monethera<\/a><\/em><\/strong><em>&nbsp;you earn <strong>5\u20ac in cash bonus and 0.5%<\/strong> on all investments over the first 180 days in cashback<\/em>.<\/p>\n\n\n\n<p><strong>SPECIAL CASHBACK BONUS:<\/strong> in case you use the promo code: <strong>savings4freedom<\/strong>, you will get cashback for 360 days instead of 180 days. This is a limited offer! The code can only be used a limited number of times, but it can\u2019t hurt to try!<\/p>\n\n\n\n<p>Check my initial review on <strong><a rel=\"noreferrer noopener\" href=index-862.html target=\"_blank\">Monethera and details on my account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211811432\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211811448\"\/>\n\n\n\n<h2 id=\"grupeer\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" src=grupeer_logoaf19.html alt=\"Grupeer @ Savings4Freedom\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 5,364.06\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong>. I got 57.20\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> IRR is 14.65%. <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> is joining my \u20ac2.5K club, and that means I will reduce my position over time to adjust my portfolio to that plan.<\/p>\n\n\n\n<p>Another smooth month for <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> in my portfolio. It&#8217;s one of my preferred P2P platforms. Let&#8217;s see what the future holds in 2020.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"526\" data-attachment-id=\"5807\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5807\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?fit=1134%2C583&amp;ssl=1\" data-orig-size=\"1134,583\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1566482335&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Grupeer_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?fit=1024%2C526&amp;ssl=1\" src=201912_grupeer_returns-1024x526a1aa.html alt=\"Grupeer Returns @ Savings4Freedom\" class=\"wp-image-5807\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?resize=1024%2C526&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?resize=772%2C397&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?resize=624%2C321&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Returns.jpg?w=1134&amp;ssl=1 1134w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer: smooth performance over time, aligned with my investments<\/a><\/figcaption><\/figure>\n\n\n\n<p>After reducing my position on <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> in July, due to the repayment of a big number of loans, I started reinvested during August: Now I will begin the process to align the value in my account with the \u20ac2.5K club goal.<\/p>\n\n\n\n<h2 id=\"grupeer-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"grupeer-vladislavs-filimonovs-left-the-company\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a>: Vladislavs Filimonovs left the company<\/h3>\n\n\n\n<p>Vladislavs Filimonovs, previously <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> <\/strong>COO, left the company in October. He was one of the public faces of the company and human resources management is one of the critical aspects of the industry. <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> published a facebook comment making clear their policy regarding this type of announcements:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><em>&#8220;Dear all, it is not in <\/em><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\"><em>Grupeer<\/em><\/a><\/strong><em>&#8216;s public relations agenda to make announcements regarding the internal staff turnover. Alla is a co-founder and always has been the central person representing the company and running the business. She is present and is involved more than ever.<\/em><\/p><p><em>The information regarding staff is available on request and we have communicated with all bloggers who have asked us questions. Viktorija has left tin August, she was responsible for <\/em><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\"><em>Grupeer<\/em><\/a><\/strong><em> affiliates and she has notified all bloggers regarding her departure from <\/em><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\"><em>Grupeer<\/em><\/a><\/strong><em> and has passed the new contact details.&#8221;<\/em><\/p><cite><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> Facebook comment addressing the topic<\/cite><\/blockquote>\n\n\n\n<p>High employee turnover is common in high-tech, and it is becoming very difficult to build teams that remain over a long period to implement a product\/vision for a company. As investors, we need to keep calm and follow the P2P platforms closely in order to keep up with such type of changes. Thank you <a href=angelogioc1b25.html>Angelo CB<\/a> for your research on the subject!<\/p>\n\n\n\n<h3 id=\"grupeer-ceo-letter\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a>: CEO Letter<\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> <\/strong>CEO, Alla Kisika sent a message to all investors with the highlights from 2019 and plans for 2020:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>&#8220;<em>We have definitely grown in size during the 2019 and we are now one of the most recognizable P2P investment platforms in Europe. The monthly investments have increased three-fold during the past year and the number of clients increased from almost 4,000 to over 22,000!<\/em>&#8221;&nbsp;<\/p><p>&#8220;<em>During this year we have listened to the feedback from our customers very carefully and have implemented some suggestions. However, the long-awaited secondary market and some additional products are still to be launched. While we focused on the throughout due diligence and diversification of investments, we have pulled back with new products. We learnt our lesson and 2020 will be the year when the anticipated improvements and products will be realized.<\/em>&#8220;<\/p><cite><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> CEO Letter to Investors<\/cite><\/blockquote>\n\n\n\n<p>I really like <a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\"><strong>Grupeer<\/strong><\/a> and I&#8217;m looking forward to the platform development in the future. <\/p>\n\n\n\n<h3 id=\"grupeer-new-loan-originator\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a>: New Loan Originator<\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> <\/strong>announced a new loan originator <em>Cash-U Finance<\/em> from Russia. You can <strong><a rel=\"noreferrer noopener\" aria-label=\"read more about it here (opens in a new tab)\" href=index-914.html target=\"_blank\">read more about it here<\/a><\/strong>. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"730\" height=\"348\" data-attachment-id=\"6212\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_grupeer_loanoriginator\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?fit=730%2C348&amp;ssl=1\" data-orig-size=\"730,348\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Grupeer_LoanOriginator\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?fit=300%2C143&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?fit=730%2C348&amp;ssl=1\" src=201912_grupeer_loanoriginatora8f9.html alt=\"Grupeer Lime Loan Originator @ Savings4Freedom\" class=\"wp-image-6212\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?w=730&amp;ssl=1 730w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator.jpg?resize=624%2C297&amp;ssl=1 624w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer new loan originator: Cash-U Finance<\/a><\/figcaption><\/figure>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> <\/strong>announced a new loan originator <em>Dyninno Fintech<\/em> from Moldova and Romania. You can <strong><a href=index-915.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">read more about it here<\/a><\/strong>. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"730\" height=\"348\" data-attachment-id=\"6216\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_grupeer_loanoriginator_2\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?fit=730%2C348&amp;ssl=1\" data-orig-size=\"730,348\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Grupeer_LoanOriginator_2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?fit=300%2C143&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?fit=730%2C348&amp;ssl=1\" src=201912_grupeer_loanoriginator_2a8f9.html alt=\"Dyninno Loan Originator @ Savings4Freedom\" class=\"wp-image-6216\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?w=730&amp;ssl=1 730w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?resize=300%2C143&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_LoanOriginator_2.jpg?resize=624%2C297&amp;ssl=1 624w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/a><figcaption><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Grupeer new loan originator: <em>Dyninno Fintech<\/em><\/a><\/figcaption><\/figure>\n\n\n\n<h3 id=\"grupeer-december-platform-update\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a> December Platform Update<\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong>&nbsp;shared the update for December and the numbers continue the positive trend: \u20ac7.3M were invested, and 2057 new investors joined the platform. The average interest on the investments during the month was 13.04%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"960\" data-attachment-id=\"6218\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_grupeer_report\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?fit=960%2C960&amp;ssl=1\" data-orig-size=\"960,960\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Grupeer_Report\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?fit=960%2C960&amp;ssl=1\" src=201912_grupeer_report0a3e.html alt=\"Grupeer Update @ Savings4Freedom\" class=\"wp-image-6218\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?w=960&amp;ssl=1 960w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=772%2C772&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=96%2C96&amp;ssl=1 96w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Grupeer_Report.jpg?resize=624%2C624&amp;ssl=1 624w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><figcaption><a href=index-853.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Grupeer December 2019 Update (opens in a new tab)\">Grupeer December 2019 Update<\/a><\/figcaption><\/figure>\n\n\n\n<p>It is clear that with the growing number of investors in the platform it&#8217;s becoming more difficult to provide loans with the interest rates that lead me to invest. They are working hard to welcome more Loan Originators, but I truly want them to avoid following <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong> approach of going for quantity instead of quality.<\/p>\n\n\n\n<h2 id=\"grupeer-cashback-bonus\" class=\"wp-block-heading\"><a href=index-853.html>Grupeer Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<h4 id=\"grupeer-14-increased-interest-rate\" class=\"wp-block-heading\"><a href=index-853.html>Grupeer<\/a> 14% <strong>Increased Interest Rate<\/strong><\/h4>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong> announced that until January 12th interest rate on loans placed by three of their loan originators (Finsputnik, PlanetaCash and Primo Invest) will be increased to 14%.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" src=201911_grupeer_extrainterestaf19.html alt=\"Grupeer Increases Interest @ Savings4Freedom\"\/><figcaption><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer Increase interest for selected LOs<\/a><\/figcaption><\/figure>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><a rel=\"noreferrer noopener\" href=index-916.html target=\"_blank\"><strong><em>Grupeer<\/em><\/strong><\/a><em>&nbsp;you <strong>earn 1.25% on all investments<\/strong> over the first 6 months in cashback<\/em>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-868.html target=\"_blank\">Grupeer account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211812304\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211812331\"\/>\n\n\n\n<h2 id=\"wisefund\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=index-854.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=wisefund-logoe419.html alt=\"Wisefund Logo @ Savings4Freedom\" width=\"551\" height=\"158\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 3,573.62\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong>. I got 54.83\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong> IRR is 19.20%. <strong><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong> is joining my \u20ac2.5K club, and that means I will increase my position over time to adjust my portfolio to that plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-854.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"525\" data-attachment-id=\"5817\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5817\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?fit=1132%2C580&amp;ssl=1\" data-orig-size=\"1132,580\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1567291650&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Wisefund_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?fit=1024%2C525&amp;ssl=1\" src=201912_wisefund_returns-1024x525b5ce.html alt=\"Wisefund Returns @ Savings4Freedom\" class=\"wp-image-5817\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?resize=1024%2C525&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?resize=768%2C393&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?resize=772%2C396&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?resize=624%2C320&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Wisefund_Returns.jpg?w=1132&amp;ssl=1 1132w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a href=index-854.html>No investments during December. I\u2019m taking full advantage of the initial cashback offered by Wisefund: 0.5% for the first 270 days<\/a><\/figcaption><\/figure>\n\n\n\n<p>During December I didn&#8217;t invest in <strong><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong>. The promised platform update was done in time for the new year, and investors say they really see the value and improvement in transfers. They are really quick right now.<\/p>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/strong>&nbsp;offers among the best interest rates in the business with a buyback guarantee. All repayments schedule is visible and you can plan your next investments having this information into consideration. Once again, make sure you assess the risks of this type of investment before committing any of your savings.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" height=\"919\" width=\"1024\" decoding=\"async\" src=201910_wisefund_projects-1024x9196a2c.html alt=\"Wisefund Projects @ Savings4Freedom\"\/><figcaption><a href=index-854.html>Example of projects available on Wisefund<\/a><\/figcaption><\/figure>\n\n\n\n<p>In an environment where P2P platforms such as <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-853.html target=\"_blank\">Grupeer<\/a><\/strong>, <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong>, and <strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> offer auto-invest options with interest lower than 13%, P2P platforms that offer all the decision power to select projects to invest, with higher interest rates in enterprise loans gain a growing relevance.<\/p>\n\n\n\n<h2 id=\"wisefund-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"wisefund-platform-update\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a> Platform Update<\/h3>\n\n\n\n<p>The <a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\"><strong>Wisefund<\/strong><\/a> team released a new version of the platform, that took much more time than expected. The most valuable feature is associated with a smoother deposit\/withdraw experience, that was already confirmed by multiple investors:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Loan details will show Project name instead of the loan company, that were confusing users before;<\/li><li>Account statement (any chosen date) download is available now, under \u2018My account\u2019;<\/li><li>Fixed bug with payments schedule, now it will show the correct payment schedule when there is more than one investment in a loan;<\/li><li>Notifications and requests will now not only be sent by email but also will pop up in your <a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\"><strong>Wisefund<\/strong><\/a> profile.<\/li><\/ol>\n\n\n\n<h3 id=\"wisefund-2019-in-review\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a>: 2019 in Review<\/h3>\n\n\n\n<p>The <a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\"><strong>Wisefund<\/strong><\/a> team announced that until January 2020, \u20ac134.546 was paid in interest to investors, with an 18.20% average interest rate. And 1981 investors funded projects in a total of 3.495.000\u20ac.<\/p>\n\n\n\n<h2 id=\"wisefund-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" href=index-854.html target=\"_blank\">Wisefund<\/a><\/em><\/strong><em>&nbsp;you earn 0.5% on all investments over the first 270 days in cashback<\/em>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-865.html target=\"_blank\">Wisefund account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211813030\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211813055\"\/>\n\n\n\n<h2 id=\"envestio\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-849.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" src=envestio_logoaf19.html alt=\"Envestio @ Savings4Freedom\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 6,250.10\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong>. I got 84.87\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> IRR is 17.22%. <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> is joining my \u20ac2.5K club, and that means I will decrease my position over time to adjust my portfolio to that plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-849.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"527\" data-attachment-id=\"5855\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5855\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?fit=1124%2C578&amp;ssl=1\" data-orig-size=\"1124,578\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1570058303&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Envestio_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?fit=1024%2C527&amp;ssl=1\" src=201912_envestio_returns-1024x5275264.html alt=\"Envestio Returns @ Savings4Freedom\" class=\"wp-image-5855\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?resize=1024%2C527&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?resize=772%2C397&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?resize=624%2C321&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Envestio_Returns.jpg?w=1124&amp;ssl=1 1124w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Smooth performance of Envestio, aligned with my investments<\/a><\/figcaption><\/figure>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> is right now another P2P crowdinvesting platform that is making me feel mixed feelings. I will reduce my position, but keep investing after assessing each project individually. <\/p>\n\n\n\n<p>Unfortunately, until the moment, the new company CEO and COO only raised more questions. The lack of reliable information about past doings for both individuals is quite annoying.<\/p>\n\n\n\n<p>Let&#8217;s go over the topic below. <\/p>\n\n\n\n<h2 id=\"envestio-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"envestio-acquisition-by-arkadi-ganzin\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a>: Acquisition by Arkadi Ganzin<\/h3>\n\n\n\n<p>On December 2nd, <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> announced the acquisition of the platform by a strategic investor from Germany, Mr. <a rel=\"noreferrer noopener\" href=index-917.html target=\"_blank\">Arkadi Ganzin<\/a>. Not much is known about this investor, except the formal information shared by <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong>.<\/p>\n\n\n\n<p>In any case, with the acquisition, the company will have a new COO, <a rel=\"noreferrer noopener\" href=index-918.html target=\"_blank\">Eduard Ritsmann<\/a> that states international sales experience in his profile. The former COO, <a rel=\"noreferrer noopener\" href=index-919.html target=\"_blank\">Eugene Kukin<\/a> will continue working as General Advisor for at least six more months after the acquisition and all team members are staying with the company.<\/p>\n\n\n\n<p>A special piece of information relevant for you as an investor is that there will be no changes in existing <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> conditions over a period of 1 year after the formal announcement.<\/p>\n\n\n\n<h3 id=\"envestio-questions-about-eduard-ritsmann\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a>: Questions about <a rel=\"noreferrer noopener\" href=index-918.html target=\"_blank\">Eduard Ritsmann<\/a><\/h3>\n\n\n\n<p>One of the first pieces of information that came to light from investors&#8217; research is related to the new <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> COO, <a rel=\"noreferrer noopener\" href=index-918.html target=\"_blank\">Eduard Ritsmann<\/a>. And it wasn&#8217;t positive.<\/p>\n\n\n\n<p>In order to introduce himself to investors, he decided to make a video. The end result was, in my opinion, a disaster. <a href=watch5182.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Check for yourself here (opens in a new tab)\">Check for yourself here<\/a>.<\/p>\n\n\n\n<p>In addition, some questionable prior assignments associated with Eduard Ritsmann started a lot of activity on the <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> secondary market, with investors leaving the platform:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>&#8220;I would like to introduce you mister Rittsman, the guest speaker for SAVETHEPLANET AG, better known as (ROSCH buoyancy power plant scam), presenting perpetum mobile hoax in July 2019, in MLM pyramid scam gathering called &#8220;ROY CLUB&#8221;.<\/p><cite><a href=index-920.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Roasted PeerDuck Twitter Publication<\/a><\/cite><\/blockquote>\n\n\n\n<p>In line with this information, Ido Shkedi published the response he received from Eduard, that in his opinion are calming news. Please<strong><a rel=\"noreferrer noopener\" aria-label=\" read and judge for yourself here (opens in a new tab)\" href=index-921.html target=\"_blank\"> read and judge for yourself here<\/a><\/strong>. <\/p>\n\n\n\n<p>I will test the investment liquidity over next month in order to reach my \u20ac2.5K target and decide after how to proceed. In any case, I just want <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> to be able to keep up its track record prior to the acquisition. Right now is not clear what goals and outcomes do <strong><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/strong> intend to achieve? What is the future development strategy, what kind of projects will the platform work on in the future?<\/p>\n\n\n\n<h2 id=\"envestio-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" href=index-849.html target=\"_blank\">Envestio<\/a><\/em><\/strong><em>&nbsp;you earn <strong>5\u20ac in cash bonus and 0.5% on all investments<\/strong> over the first 270 days in cashback<\/em>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-863.html target=\"_blank\">Envestio account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211813815\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211813833\"\/>\n\n\n\n<h2 id=\"crowdestor\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img data-recalc-dims=\"1\" decoding=\"async\" src=crowdestate-logoaf19.html alt=\"Crowdestor Logo @ Savings4Freedom\"\/><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 2,154.70\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong>. I got 1.17\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> IRR is 5.30%. <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> is joining my \u20ac2.5K club, and that means I will increase my position over time to adjust my portfolio to that plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"526\" data-attachment-id=\"5864\" data-permalink=\"https:\/\/savingsforfreedom.com\/201912_crowdestor_returns\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?fit=1129%2C580&amp;ssl=1\" data-orig-size=\"1129,580\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577788860&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Crowdestor_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?fit=1024%2C526&amp;ssl=1\" src=201912_crowdestor_returns-1024x526a1aa.html alt=\"Crowdestor Returns @ Savings4Freedom\" class=\"wp-image-5864\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?resize=1024%2C526&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?resize=772%2C397&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?resize=624%2C321&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Returns.jpg?w=1129&amp;ssl=1 1129w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">No investments during December. I&#8217;m taking full advantage of the initial cashback offered by Crowdestor: 0.5% for the first 180 days<\/a><\/figcaption><\/figure>\n\n\n\n<p>During December I didn&#8217;t invest in <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong>. This platform&nbsp;offers an impressive number of investments over time, with great interest rates. All repayment schedules are visible and you can plan your next investments having this information into consideration. <\/p>\n\n\n\n<p>The <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> projects are something to really feel like a speculative investor.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-855.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"1024\" data-attachment-id=\"6232\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_crowdestor_project1\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?fit=1298%2C1330&amp;ssl=1\" data-orig-size=\"1298,1330\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577794649&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Crowdestor_Project1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?fit=293%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?fit=999%2C1024&amp;ssl=1\" src=201912_crowdestor_project1-999x1024cc3a.html alt=\"Crowdestor project @ Savings4Freedom\" class=\"wp-image-6232\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?resize=999%2C1024&amp;ssl=1 999w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?resize=293%2C300&amp;ssl=1 293w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?resize=768%2C787&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?resize=772%2C791&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?resize=609%2C624&amp;ssl=1 609w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Crowdestor_Project1.jpg?w=1298&amp;ssl=1 1298w\" sizes=\"auto, (max-width: 999px) 100vw, 999px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Examples of one speculative project currently available on Crowdestor<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>Please take into consideration before investing in <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> that each project presents its particular type repayment plan: from one year without payment with bullet payment by the end of the loan maturity to other modalities that actually increase your investment risk.<\/p>\n\n\n\n<h2 id=\"crowdestor-updates\" class=\"wp-block-heading\"><strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> Updates<\/h2>\n\n\n\n<h3 id=\"crowdestor-buyback-fund-status-update\" class=\"wp-block-heading\"><strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong>: Buyback Fund Status Update<\/h3>\n\n\n\n<p>On December 31st, <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> presented <strong>212.331,08\u20ac<\/strong> on its buyback fund. Still a small amount to ensure investors, a step in the good direction.<\/p>\n\n\n\n<p>When they first announced the mechanism, they expected to reach \u20ac100K. The goal was surpassed due to the process to raise the value of the fund: From March 1st 2019, <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> is devoting a commission of 1-2% from each project that is funded via <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong> Platform into the&nbsp;Buyback Guarantee Fund.<\/p>\n\n\n\n<h2 id=\"crowdestor-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 0.5% on all investments<\/strong> over the first 180 days in cashback<\/em><\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-866.html target=\"_blank\">Crowdestor account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211814531\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211814574\"\/>\n\n\n\n<h2 id=\"tfgcrowd\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=index-856.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=201909-tfg-crowd-logoab69.html alt=\"TFG Crowd Logo @\u00a0Savings4Freedom\" width=\"225\" height=\"221\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 1,901.59\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong>. I got 27.70\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> IRR is 16.05%. <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> is not joining my \u20ac2.5K club. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-856.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"525\" data-attachment-id=\"5900\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5900\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?fit=1127%2C578&amp;ssl=1\" data-orig-size=\"1127,578\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577795337&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_TFGcrowd_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?fit=1024%2C525&amp;ssl=1\" src=201912_tfgcrowd_returns-1024x525b5ce.html alt=\"TFGcrowd Returns @ Savings4Freedom\" class=\"wp-image-5900\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?resize=1024%2C525&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?resize=768%2C394&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?resize=772%2C396&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?resize=624%2C320&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_TFGcrowd_Returns.jpg?w=1127&amp;ssl=1 1127w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd does not offer a cashback bonus<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>During December I didn&#8217;t invest in <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong>. The platform clearly needs to improve some of the features and user experience capabilities. No news around <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> during December. I will try to research more.<\/p>\n\n\n\n<p>I will need to research further, but the reality described above marks any deposit I make in <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> in the same manner as in <strong><a rel=\"noreferrer noopener\" href=index-855.html target=\"_blank\">Crowdestor<\/a><\/strong>: my speculative investments on the Savings4Freedom portfolio.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" src=201910_tfgcrowd_projectaf19.html alt=\"TFG Crowd Projects @ Savings4Freedom\"\/><figcaption><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">Examples of projects currently available on TFGcrowd<\/a><\/figcaption><\/figure>\n\n\n\n<p>The projects are interesting, based in the UK, that currently are facing some problems among their P2P lending platforms, but these particular projects look well structured and with good business rational. <\/p>\n\n\n\n<h2 id=\"tfgcrowd-updates\" class=\"wp-block-heading\"><strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> Updates<\/h2>\n\n\n\n<h3 id=\"tfgcrowd-buyback-guarantee-extra\" class=\"wp-block-heading\"><strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> <em>Buyback Guarantee EXTRA<\/em><\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> announced during November their EXTRA buyback guarantee.<\/p>\n\n\n\n<p>You already know about the <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> Buyback Guarantee Fund (that reached \u20ac129.868,10 on December 31st) for the projects market with Buyback Guarantee. They now announced to investors the setting up of <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> Buyback Guarantee EXTRA for all the projects currently open for investments on the <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> platform.<\/p>\n\n\n\n<p>How will the Buyback Guarantee EXTRA work?<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>This buyback guarantee will be provided directly from <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> funds (not the Buyback Funds or the Loan Originator\u2019s funds);<\/li><li>In case any of the borrowers of the projects currently open for investments on our platform defaults by 31st December 2020, <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> will secure repayment of the nominal value of the outstanding loan plus accrued interest income from their own funds. All investors will be compensated proportionately to their investments in a particular project;<\/li><li>It is deemed that a borrower has defaulted if the repayment of the particular loan is delayed by more than 60 days.<\/li><\/ul>\n\n\n\n<p>This is just another way to say that <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> will guarantee the investor funds, but if everything goes wrong, and <strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong> goes bankrupt, nothing will guarantee your money.<\/p>\n\n\n\n<h2 id=\"tfgcrowd-cashback-bonus\" class=\"wp-block-heading\"><strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/strong><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\"> Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>No bonus for new investors, but you can create your <\/em><strong><em><a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\">TFGcrowd<\/a><\/em><\/strong> <em>account<a rel=\"noreferrer noopener\" href=index-856.html target=\"_blank\"> using my referral link<\/a> and support the blog this way. Thank you!<\/em><\/p>\n\n\n\n<p>Check my <strong><a href=index-834.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">TFGcrowd account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211815278\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211815298\"\/>\n\n\n\n<h2 id=\"mintos\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=index-847.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=mintos_logo84ce.html alt=\"Mintos @ Savings4Freedom\" width=\"375\" height=\"250\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 561.40\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong>. I got 2.06\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong> IRR is 14.78%. <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong> is not joining my \u20ac2.5K club. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"527\" data-attachment-id=\"5938\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5938\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?fit=1129%2C581&amp;ssl=1\" data-orig-size=\"1129,581\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577795855&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Mintos_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?fit=1024%2C527&amp;ssl=1\" src=201912_mintos_returns-1024x5275264.html alt=\"Mintos Returns @ Savings4Freedom\" class=\"wp-image-5938\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?resize=1024%2C527&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?resize=772%2C397&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?resize=624%2C321&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Mintos_Returns.jpg?w=1129&amp;ssl=1 1129w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos: A bad surprise in October with one of my secondary loans being marked as defaulted. Returns drop based on personal decisions.<\/a><\/figcaption><\/figure>\n\n\n\n<p>I don&#8217;t expect more negative months, but my <strong><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/strong> portfolio returns will remain small, especially in light of the update below.<\/p>\n\n\n\n<p>The rise of alternatives that offer me higher profitability and control is only the tip of the rationale for my recent move to reduce my position.<\/p>\n\n\n\n<h2 id=\"mintos-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"does-mintos-have-a-problem-loan-originators-issues\" class=\"wp-block-heading\">Does <a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a> have a Problem? Loan Originators issues&#8230;<\/h3>\n\n\n\n<p>On January 6th, FinsteinInvest published a relevant blog post for all people with investments on <a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\"><strong>Mintos<\/strong><\/a>. <a rel=\"noreferrer noopener\" aria-label=\"You can find it here (opens in a new tab)\" href=index-922.html target=\"_blank\">You can find it here<\/a> (use google translator).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><em>&#8220;&#8230;I evaluated the ratio of the loans &#8211; in &#8220;on schedule&#8221; and &#8220;overdue&#8221;.&nbsp;I have defined all loans that are in arrears as past due;&nbsp;all from &#8220;Late 1-15&#8243;.&nbsp;I only looked at the \u20ac loans.&#8221;<\/em><\/p><cite><a href=index-922.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"FinsteinInvest Publication on Mintos (opens in a new tab)\">FinsteinInvest Publication on Mintos<\/a><\/cite><\/blockquote>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"3012\" height=\"2660\" data-attachment-id=\"6238\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_mintos_current_overview\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?fit=3012%2C2660&amp;ssl=1\" data-orig-size=\"3012,2660\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_mintos_current_overview\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?fit=300%2C265&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?fit=1024%2C904&amp;ssl=1\" src=201912_mintos_current_overview7c48.html alt=\"Mintos Current Loans @ Savings4Freedom\" class=\"wp-image-6238\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?w=3012&amp;ssl=1 3012w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=300%2C265&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=1024%2C904&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=768%2C678&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=1536%2C1356&amp;ssl=1 1536w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=2048%2C1809&amp;ssl=1 2048w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=772%2C682&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?resize=624%2C551&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_mintos_current_overview.png?w=2400&amp;ssl=1 2400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption><a href=index-922.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Great work by FinsteinInvest (opens in a new tab)\">Great work by FinsteinInvest<\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>The conclusion is that around 50% of loans currently available on <a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\"><strong>Mintos<\/strong><\/a> are delayed. And <a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\"><strong>Mintos<\/strong><\/a> ratings don&#8217;t reflect this reality.<\/p>\n\n\n\n<p>Check <a rel=\"noreferrer noopener\" href=index-922.html target=\"_blank\">FinsteinInvest publication<\/a> in order to read more details. A concerning reality that needs to be shared with everyone.<\/p>\n\n\n\n<h2 id=\"mintos-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>In case you&nbsp;<a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" href=index-847.html target=\"_blank\">Mintos<\/a><\/em><\/strong><em>&nbsp;you earn 0,5% on all investments over the first 90 days in cashback<\/em>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-869.html target=\"_blank\">Mintos account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211815929\"\/>\n\n\n\n<h2 id=\"viventor\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-871.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" src=viventor_logoaf19.html alt=\"Viventor @ Savings4Freedom\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 500.45\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong>. I got 115.23\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> IRR is 12.61%. <strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> is not joining my \u20ac2.5K club. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-871.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"527\" data-attachment-id=\"5991\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=5991\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?fit=1127%2C580&amp;ssl=1\" data-orig-size=\"1127,580\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1577796317&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Viventor_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?fit=1024%2C527&amp;ssl=1\" src=201912_viventor_returns-1024x5275264.html alt=\"Viventor Returns @ Savings4Freedom\" class=\"wp-image-5991\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?resize=1024%2C527&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?resize=768%2C395&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?resize=772%2C397&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?resize=624%2C321&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Viventor_Returns.jpg?w=1127&amp;ssl=1 1127w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor: returns reached its hight in December. From now one, only small returns are possible.<\/a><\/figcaption><\/figure>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> is surprising me with the resilience of the monthly returns, even after multiple months of successive withdraws. December was the moment all my pending payments were paid, allowing me to reach my year goal.<\/p>\n\n\n\n<h2 id=\"viventor-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"viventor-10-eur-minimum-withdrawal\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a>: 10 EUR minimum withdrawal<\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> announced that due to a growing investor base the costs for money transfers have also become significant. In order to decrease operational costs, <strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> introduced a 10 EUR minimal withdrawal amount restriction.&nbsp;<\/p>\n\n\n\n<h3 id=\"viventor-pending-payments\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a>: Pending Payments<\/h3>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor<\/a><\/strong> is going to implement &#8220;pending payments&#8221; status for loans. It mentions that payments require usually 0 to 5 days from Loan Originators to reach investors&#8217; accounts. Now that information will be visible.<\/p>\n\n\n\n<h2 id=\"viventor-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\">Viventor Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>No bonus for new investors, but you can create your account<a rel=\"noreferrer noopener\" href=index-871.html target=\"_blank\"> using my referral link<\/a> and support the blog this way. Thank you!<\/em><\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-872.html target=\"_blank\">Viventor account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211816469\"\/>\n\n\n\n<h2 id=\"iban-wallet\" class=\"wp-block-heading\"><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">iban Wallet<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" src=iban-logoaf19.html alt=\"iban wallet @ Savings4Freedom\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 1,000.01\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong>. I got 150.27\u20ac in interest plus referral bonus. Until now, <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong> IRR is 12.01%. <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong> is not joining my \u20ac2.5K club. I will keep my position at  1000\u20ac as my <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong> allocation goal (money that I can use in 2 business days).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"523\" data-attachment-id=\"6024\" data-permalink=\"https:\/\/savingsforfreedom.com\/iban-wallet-analysis-and-review\/201912_iban_returns\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?fit=1135%2C580&amp;ssl=1\" data-orig-size=\"1135,580\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1549143399&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_iban_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?fit=300%2C153&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?fit=1024%2C523&amp;ssl=1\" src=201912_iban_returns-1024x523f3eb.html alt=\"iban Returns @ Savings4Freedom\" class=\"wp-image-6024\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?resize=1024%2C523&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?resize=300%2C153&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?resize=768%2C392&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?resize=772%2C395&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?resize=624%2C319&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Returns.jpg?w=1135&amp;ssl=1 1135w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet: in December the only reason for the platform performance was Savings4Freedom readers contributions for opening new accounts. iban offers a low-interest rate but pays it daily with immediate liquidity of your funds, something that was very useful to me to access my funds quickly.<\/a><\/figcaption><\/figure>\n\n\n\n<p>Once again, thanks to the Savings4Freedom community, multiple new users created accounts using my <a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\"><strong>iban Wallet referral link<\/strong><\/a> and referral code <strong>RCARLOS3EG8D<\/strong>. Thank you so very much!<\/p>\n\n\n\n<h2 id=\"iban-wallet-updates\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a> Updates<\/h2>\n\n\n\n<h3 id=\"iban-wallet-problems-with-deposits\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a>: Problems with Deposits<\/h3>\n\n\n\n<p>At the beginning of November, <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong> changed their financial bank services provider from Santander to Lloyds, leading to some trouble with client transfers. I have experienced some delay in the recognition of transfers, but after some contacts with the support team by phone, I received a retroactive interest on the deposited funds.<\/p>\n\n\n\n<h3 id=\"iban-wallet-accusations-of-scam\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a>: Accusations of Scam<\/h3>\n\n\n\n<p>Based on the deposit recognition issues experienced by platform investors during November and December, a significant number of bad reviews show up on Trustpilot and even some direct accusations to <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban wallet<\/a><\/strong> as being a scam were made on Facebook.<\/p>\n\n\n\n<p>All claims made on such publications are easily rebated by simply doing quick online research for all relevant data. It is relevant to highlight that in the current moment is important to keep a close eye regarding the operations of all P2P investment platforms, but also make sure that all information shared is based on facts.<\/p>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/strong> should and must increase the information transparency regarding its Loan Originators partners. They should be quick to take this information public in order to avoid this type of accusation. I&#8217;m waiting for that as soon as possible.<\/p>\n\n\n\n<h3 id=\"iban-wallet-guest-blog-publication\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a>: Guest Blog Publication<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-923.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"426\" data-attachment-id=\"6244\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_iban_blog\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?fit=2000%2C833&amp;ssl=1\" data-orig-size=\"2000,833\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_iban_Blog\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?fit=300%2C125&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?fit=1024%2C426&amp;ssl=1\" src=201912_iban_blog-1024x4261ad5.html alt=\"iban blog Post @ Savings4Freedom\" class=\"wp-image-6244\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=1024%2C426&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=300%2C125&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=768%2C320&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=1536%2C640&amp;ssl=1 1536w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=772%2C322&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?resize=624%2C260&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_iban_Blog.jpg?w=2000&amp;ssl=1 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">My third post as an iban wallet guest writer about How Fintechs are broadening our Financial Services Industry access<\/a><\/figcaption><\/figure>\n\n\n\n<p><strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/strong> addressed me an invitation to write as a guest writer in <strong><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/strong> blog. The result of my third attempt was: &#8220;<a href=index-923.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Savers First: How Fintechs are broadening our Financial Services Industry access&quot;. (opens in a new tab)\"><strong>Savers First: How Fintechs are broadening our Financial Services Industry access<\/strong>&#8220;.<\/a><\/p>\n\n\n\n<p>You can find the article here: <strong><a href=index-923.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Savers First (opens in a new tab)\">Savers First<\/a><\/strong><\/p>\n\n\n\n<p>Please feel free to let me know in the comments below your opinion.<\/p>\n\n\n\n<h2 id=\"iban-wallet-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>You can sign up and invest through&nbsp;<a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">my referral link<\/a>&nbsp;you can join the <\/em><strong><em><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong><em> referral program and&nbsp;<\/em><strong><em>get \u20ac25 for every invitee that invests more than \u20ac1000<\/em><\/strong>.<\/p>\n\n\n\n<p>Make sure to add the referral code&nbsp;<strong>\u2013 RCARLOS3EG8D \u2013&nbsp;<\/strong>when creating your account!<\/p>\n\n\n\n<p><strong>Special Savings4Freedom Blog Bonus: <\/strong>during December and January,&nbsp;every reader&nbsp;who joins&nbsp;<strong><em><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong>&nbsp;will get a <strong>3% interest rate<\/strong> on their&nbsp;<strong><em><a rel=\"noreferrer noopener\" href=index-851.html target=\"_blank\">iban Wallet<\/a><\/em><\/strong>&nbsp;account <strong>for 6 months<\/strong> by adding \u20ac300&nbsp;or more using the code <strong>XMAS3<\/strong>.<\/p>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;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.&nbsp;<br>\ufeff<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=index-851.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=image-13934.html alt=\"iban bonus @ Savings4Freedom\" width=\"315\" height=\"285\"\/><\/a><\/figure><\/div>\n\n\n\n<p>Check my initial review on <strong><a rel=\"noreferrer noopener\" href=index-873.html target=\"_blank\">iban Wallet and details on my account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211817272\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211817380\"\/>\n\n\n\n<h2 id=\"fastinvest\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=index-850.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=fastinvest_logo-1024x1536d71.html alt=\"FastInvest @ Savings4Freedom\" width=\"512\" height=\"77\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, I have 2,019.30\u20ac invested in <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong>. I got 19.30\u20ac in interest. Until now, <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong> IRR is 11.52%. <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong> is not joining my \u20ac2.5K club, in fact, I decided to close my position on the platform during 2020.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-850.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"528\" data-attachment-id=\"6056\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=6056\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?fit=1121%2C578&amp;ssl=1\" data-orig-size=\"1121,578\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1542739307&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_FastInvest_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?fit=300%2C155&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?fit=1024%2C528&amp;ssl=1\" src=201912_fastinvest_returns-1024x528e2ea.html alt=\"FastInvest Returns @ Savings4Freedom\" class=\"wp-image-6056\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?resize=1024%2C528&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?resize=768%2C396&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?resize=772%2C398&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?resize=624%2C322&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_FastInvest_Returns.jpg?w=1121&amp;ssl=1 1121w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">Smooth performance of FastInvest returns in December<\/a><\/figcaption><\/figure>\n\n\n\n<p>Smooth month in my <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong> position. Small investment increment, small return increment. I like the user experience of the platform. I like their highly professional marketing approach, but I really don&#8217;t like the lack of transparency regarding loan originators.<\/p>\n\n\n\n<p>For me, <strong><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest<\/a><\/strong> has worked well. But there are too many stories (<strong><a href=index-924.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"read here (opens in a new tab)\">read here<\/a><\/strong>) around the company on these troubling times for me to keep investing. &nbsp;I will keep you informed on this process over the next few months.<\/p>\n\n\n\n<h2 id=\"fastinvest-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\">FastInvest Cashback &amp; Bonus<\/a><\/h2>\n\n\n\n<p><em>No bonus for new investors, but you can create your account<a rel=\"noreferrer noopener\" href=index-850.html target=\"_blank\"> using my referral link<\/a><\/em> <em>and support the blog this way. Thank you!<\/em><\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-870.html target=\"_blank\">FastInvest account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211817821\"\/>\n\n\n\n<h2 id=\"kuetzal-a-fraud\" class=\"wp-block-heading\"><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Kuetzal<\/a>: A Fraud<\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" src=kuetzal_logo.jpgaf19.html alt=\"Kuetzal @ Savings4Freedom\"\/><\/a><\/figure><\/div>\n\n\n\n<p>By the end of December 2019, the potential losses with <strong><a href=index-824.html>Kuetzal<\/a><\/strong> are 3,045.04\u20ac. I supposedly got 45.04\u20ac in interest. If I&#8217;m able to recover anything from <strong><a href=index-824.html>Kuetzal<\/a><\/strong>, the IRR is 14.14%.<\/p>\n\n\n\n<h2 id=\"fraud-with-kuetzal-loans-kuetzal-is-a-scam\" class=\"wp-block-heading\">Fraud with&nbsp;<a href=index-824.html>Kuetzal<\/a>&nbsp;loans. <a href=index-824.html>Kuetzal<\/a>&nbsp;is a scam.<\/h2>\n\n\n\n<p><strong>CRITICAL NOTE:<\/strong>&nbsp;In December 2019, it was made public a significant number of facts that undermine completely the credibility of&nbsp;<a href=index-824.html><strong>Kuetzal<\/strong><\/a>&nbsp;as a reliable P2P platform.<\/p>\n\n\n\n<p>You can learn more details on this scandal on the following blog posts:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Jorgen Wolf from&nbsp;<a rel=\"noreferrer noopener\" href=index-925.html#more-5248\" target=\"_blank\">Financially Free<\/a><\/li><li>Oscar Harrington from&nbsp;<a rel=\"noreferrer noopener\" href=index-926.html target=\"_blank\">Explore P2P<\/a><\/li><\/ul>\n\n\n\n<p>Based on these facts and the lack of reply from&nbsp;<strong><a href=index-824.html>Kuetzal<\/a><\/strong>, I decided to start withdrawing my funds from the platform. I will share here the progress on funds recovery if there is any.<\/p>\n\n\n\n<p>I will start conversations with other investors in order to assess the viability to organize P2P investors into an association capable of protecting our interests and push for regulation and legal protections among political decision-makers.<\/p>\n\n\n\n<p>During January I will mark my <strong><a href=index-824.html>Kuetzal<\/a><\/strong> deposits as losses.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"504\" data-attachment-id=\"6038\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=6038\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?fit=1132%2C557&amp;ssl=1\" data-orig-size=\"1132,557\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1540834403&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Kuetzal_Returns\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?fit=300%2C148&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?fit=1024%2C504&amp;ssl=1\" src=201912_kuetzal_returns-1024x504a505.html alt=\"Kuetzal Returns @ Savings4Freedom\" class=\"wp-image-6038\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?resize=1024%2C504&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?resize=300%2C148&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?resize=768%2C378&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?resize=772%2C380&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?resize=624%2C307&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Kuetzal_Returns.jpg?w=1132&amp;ssl=1 1132w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">I will try to recover my funds from Kuetzal<\/a><\/figcaption><\/figure>\n\n\n\n<h3 id=\"kuetzal-updates\" class=\"wp-block-heading\"><a href=index-824.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Kuetzal<\/a> Updates<\/h3>\n\n\n\n<h4 id=\"funds-recovery-tracking\" class=\"wp-block-heading\">Funds Recovery Tracking<\/h4>\n\n\n\n<p>On December 28th, I made my first withdraw request in the amount of 35.75\u20ac. Still no news.<\/p>\n\n\n\n<p>Check my <a rel=\"noreferrer noopener\" href=index-864.html target=\"_blank\"><strong>Kuetzal account here<\/strong><\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211818348\"\/>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211818413\"\/>\n\n\n\n<h2 id=\"robocash\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\">Robocash<\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" height=\"293\" width=\"1024\" decoding=\"async\" src=robocash_logo-1024x2933505.html alt=\"Robocash @ Savings4Freedom\"\/><\/figure>\n\n\n\n<p>I closed my <a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\"><strong>Robocash<\/strong><\/a> account last September. <\/p>\n\n\n\n<h3 id=\"robocash-launches-commercial-loansfrom-singapore\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\">Robocash<\/a> launches commercial loans<br>from Singapore<\/h3>\n\n\n\n<p>Loans will be issued for a period of up to 12 months and listed on the platform in EUR. <\/p>\n\n\n\n<h3 id=\"robocash-cashback-bonus\" class=\"wp-block-heading\"><a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\">Robocash Cashback &amp; Bonus<\/a><\/h3>\n\n\n\n<p><em>If you <a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\">sign up and invest through my referral link<\/a>, you will get a <strong>%1 bonus on all your investments<\/strong> in <a rel=\"noreferrer noopener\" href=index-415.html target=\"_blank\">Robocash<\/a> during the first 3 months.<\/em><\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" href=index-839.html target=\"_blank\">Robocash account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211818686\"\/>\n\n\n\n<h2 id=\"why-in-the-future-i-will-close-my-investment-positions-on-these-p2p-platforms\" class=\"wp-block-heading\">Why in the future I will close my investment positions on these P2P Platforms?<\/h2>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table><tbody><tr><td><strong>Platform<\/strong><\/td><td><strong>Loan Type<\/strong><\/td><td><strong>Average Annual Interest Rate<\/strong><\/td><td><strong>Reason \/ Bonus &amp; Cashback<\/strong><\/td><\/tr><tr><td><figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-358.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"26\" data-attachment-id=\"3712\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/brickstarter-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?fit=1566%2C270&amp;ssl=1\" data-orig-size=\"1566,270\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Brickstarter Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?fit=300%2C52&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?fit=1024%2C177&amp;ssl=1\" class=\"wp-image-3712\" style=\"width: 150px;\" src=brickstarter-logo98e9.html alt=\"BrickStarter Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?w=1566&amp;ssl=1 1566w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?resize=300%2C52&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?resize=768%2C132&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?resize=1024%2C177&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?resize=772%2C133&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Brickstarter-Logo.jpeg?resize=624%2C108&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a href=index-358.html><strong>Brickstarter<\/strong><\/a><\/td><td>Real Estate<\/td><td>~10%<\/td><td>Low-interest rates for investment risk. No monthly repayment option or secondary market available. You are stuck until maturity.<br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-358.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><a rel=\"noreferrer noopener\" href=index-358.html target=\"_blank\"><em>Brickstarter<\/em><\/a><\/strong><em>, add the Promo Code &#8220;<strong>BRICKS&#8221;<\/strong> to <strong>earn 15\u20ac in cash bonus and 0,5% in cashback for your investments<\/strong> during the first 90 days<\/em><\/td><\/tr><tr><td><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=subscription-form7ac4.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"55\" data-attachment-id=\"3645\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=3645\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?fit=836%2C308&amp;ssl=1\" data-orig-size=\"836,308\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Housers-Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?fit=300%2C111&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?fit=836%2C308&amp;ssl=1\" class=\"wp-image-3645\" style=\"width: 150px;\" src=housers-logo6ae9.html alt=\"Housers Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?w=836&amp;ssl=1 836w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?resize=300%2C111&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?resize=768%2C283&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?resize=772%2C284&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/Housers-Logo.png?resize=624%2C230&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><strong>Housers<\/strong><\/a><\/td><td>Real Estate<\/td><td>~7%<\/td><td>Low-interest rates for investment risk. No monthly repayment option or secondary market available. You are stuck until maturity.<br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=subscription-form7ac4.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=subscription-form7ac4.html target=\"_blank\">Housers<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 25\u20ac in cash bonus 1 month after<\/strong> your first \u20ac50 investment<\/em>. Add the promo code &#8220;<strong>PROMO AMIGO<\/strong>&#8220;<br><br><strong>Special October Cashback:<\/strong><br>THE SPECIAL 50\u20ac TELL A FRIEND PROMOTION IS BACK! instead of \u20ac25, you will get \u20ac50 if you create your account using the link above until 30.10.2019<\/td><\/tr><tr><td><figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-401.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"41\" data-attachment-id=\"3408\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=3408\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Swaper-Logo.png?fit=431%2C117&amp;ssl=1\" data-orig-size=\"431,117\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Swaper Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Swaper-Logo.png?fit=300%2C81&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Swaper-Logo.png?fit=431%2C117&amp;ssl=1\" class=\"wp-image-3408\" style=\"width: 150px;\" src=swaper-logobe5c.html alt=\"Swaper Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Swaper-Logo.png?w=431&amp;ssl=1 431w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/08\/Swaper-Logo.png?resize=300%2C81&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-401.html target=\"_blank\"><strong>Swaper<\/strong><\/a><\/td><td>Consumer<\/td><td>~12%<\/td><td>Low-interest rates for investment risk. Lack of a stable source of loans over a long timeframe. <br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-401.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<strong><a rel=\"noreferrer noopener\" aria-label=\"Swaper (opens in a new tab)\" href=index-401.html target=\"_blank\">Swaper<\/a><\/strong>&nbsp;you earn<strong> an extra 2% on all investments <\/strong>over the first 3 months (valid until 02.11.2019)<\/em><\/td><\/tr><tr><td><figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-927.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"34\" data-attachment-id=\"3727\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/bitofproperty-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?fit=1488%2C340&amp;ssl=1\" data-orig-size=\"1488,340\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"BitofProperty Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?fit=300%2C69&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?fit=1024%2C234&amp;ssl=1\" class=\"wp-image-3727\" style=\"width: 150px;\" src=bitofproperty-logo818f.html alt=\"BitofProperty Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?w=1488&amp;ssl=1 1488w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?resize=300%2C69&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?resize=768%2C175&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?resize=1024%2C234&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?resize=772%2C176&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/BitofProperty-Logo.png?resize=624%2C143&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-927.html target=\"_blank\"><strong>BitofProperty<\/strong><\/a><\/td><td>Real Estate<\/td><td>~7%<\/td><td>Low-interest rates for investment risk. No monthly repayment option or secondary market available. You are stuck until maturity.<br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-927.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><a rel=\"noreferrer noopener\" href=index-927.html target=\"_blank\"><em><strong>BitofProperty<\/strong><\/em><\/a><em>&nbsp;you <strong>earn 10\u20ac in cash bonus<\/strong> after your first investment<\/em><\/td><\/tr><tr><td><figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-380.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"108\" data-attachment-id=\"3729\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/lenndy_logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?fit=1000%2C719&amp;ssl=1\" data-orig-size=\"1000,719\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"lenndy_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?fit=300%2C216&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?fit=1000%2C719&amp;ssl=1\" class=\"wp-image-3729\" style=\"width: 150px;\" src=lenndy_logo046f.html alt=\"Lenndy logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?resize=300%2C216&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?resize=768%2C552&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?resize=772%2C555&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/lenndy_logo.png?resize=624%2C449&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-380.html target=\"_blank\"><strong>Lenndy<\/strong><\/a><\/td><td>Consumer<\/td><td>~12%<\/td><td>Low-interest rates for investment risk. Significant delays in short-term loan repayment.<br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-380.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><a rel=\"noreferrer noopener\" href=index-380.html target=\"_blank\"><em>Lenndy<\/em><\/a><\/strong><em>&nbsp;you <strong>earn 10\u20ac in cash bonus<\/strong> after your first 100\u20ac investment<\/em><\/td><\/tr><tr><td><figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-928.html target=\"_blank\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"71\" data-attachment-id=\"3719\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2019\/09\/04\/savings4freedom-august-2019-portfolio-update\/evoestate-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?fit=795%2C377&amp;ssl=1\" data-orig-size=\"795,377\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"EvoEstate Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?fit=300%2C142&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?fit=795%2C377&amp;ssl=1\" class=\"wp-image-3719\" style=\"width: 150px;\" src=evoestate-logo537e.html alt=\"EvoEstate Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?w=795&amp;ssl=1 795w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?resize=300%2C142&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?resize=768%2C364&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?resize=772%2C366&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/09\/EvoEstate-Logo.jpg?resize=624%2C296&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\" href=index-928.html target=\"_blank\"><strong>EvoEstate<\/strong><\/a><\/td><td>Real Estate<\/td><td>~12%<\/td><td>Great idea for beginner investors, but no significant value for more mature investors.<br><br><em>In case you&nbsp;<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-928.html target=\"_blank\">employ my referral link<\/a>&nbsp;to invest in&nbsp;<\/em><strong><em><a rel=\"noreferrer noopener\" aria-label=\"EvoEstate (opens in a new tab)\" href=index-928.html target=\"_blank\">EvoEstate<\/a><\/em><\/strong><em>&nbsp;you <strong>earn 15\u20ac in cash bonus<\/strong> after your first investment<\/em><\/td><\/tr><tr><td><figure><a href=index-929.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"69\" data-attachment-id=\"606\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=606\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Finbee_logo.jpg?fit=488%2C223&amp;ssl=1\" data-orig-size=\"488,223\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Finbee_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Finbee_logo.jpg?fit=300%2C137&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Finbee_logo.jpg?fit=488%2C223&amp;ssl=1\" class=\"wp-image-606\" style=\"width: 150px;\" src=finbee_logob72f.html alt=\"Finbee @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Finbee_logo.jpg?w=488&amp;ssl=1 488w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Finbee_logo.jpg?resize=300%2C137&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-929.html target=\"_blank\"><strong>FinBee<\/strong><\/a><\/td><td>Consumer &amp; Enterprise<\/td><td>~22%<\/td><td>Lack of investment protections. High defaults rate and hidden fees when selling loans.<br><br><em>No bonus for new investors, but you can create your account<a aria-label=\" (opens in a new tab)\" href=index-929.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-930.html target=\"_blank\">FinBee account here<\/a><\/strong>.<\/td><\/tr><tr><td><figure><a href=index-400.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"49\" data-attachment-id=\"614\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=614\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?fit=636%2C206&amp;ssl=1\" data-orig-size=\"636,206\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"NeoFinance-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?fit=300%2C97&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?fit=636%2C206&amp;ssl=1\" class=\"wp-image-614\" style=\"width: 150px;\" src=neofinance-logob831.html alt=\"NeoFinance @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?w=636&amp;ssl=1 636w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?resize=300%2C97&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/NeoFinance-logo.png?resize=624%2C202&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-400.html target=\"_blank\"><strong>NeoFinance<\/strong><\/a><\/td><td>Consumer<\/td><td>~20%<\/td><td>Lack of investment protections. High defaults rate and incredible high hidden fees when selling loans. I truly don&#8217;t recommend inexperienced investors to choose this platform.<br><br><em>If you <\/em><a rel=\"noreferrer noopener\" href=index-400.html target=\"_blank\"><em>create an account and invest in NeoFinance using my referral link, you <\/em><strong><em>gain 25\u20ac as a sign-up bonus<\/em><\/strong><em>.<\/em><\/a><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-931.html target=\"_blank\">NeoFinance account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-399.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"43\" data-attachment-id=\"827\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=827\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?fit=1200%2C340&amp;ssl=1\" data-orig-size=\"1200,340\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"monestro_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?fit=300%2C85&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?fit=1024%2C290&amp;ssl=1\" class=\"wp-image-827\" style=\"width: 150px;\" src=monestro_logod995.html alt=\"Monestro @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?resize=300%2C85&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?resize=768%2C218&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?resize=1024%2C290&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?resize=772%2C219&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/monestro_logo.png?resize=624%2C177&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><strong><a href=index-399.html>Monestro<\/a><\/strong><\/td><td>Consumer<\/td><td>~20%<\/td><td>Lack of investment protections. High defaults rate and hidden fees when selling loans.<br><br><em>No bonus for new investors, but you can create your account<a href=index-399.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-932.html target=\"_blank\">Monestro account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-354.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"68\" data-attachment-id=\"599\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=599\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Crownestate_logo.png?fit=333%2C151&amp;ssl=1\" data-orig-size=\"333,151\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Crownestate_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Crownestate_logo.png?fit=300%2C136&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Crownestate_logo.png?fit=333%2C151&amp;ssl=1\" class=\"wp-image-599\" style=\"width: 150px;\" src=crownestate_logo0a4e.html alt=\"Crowdestate @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Crownestate_logo.png?w=333&amp;ssl=1 333w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/Crownestate_logo.png?resize=300%2C136&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-354.html target=\"_blank\"><strong>Crowdestate<\/strong><\/a><\/td><td>Enterprise &amp; Real Estate<\/td><td>~7%<\/td><td>Recent delays in repayments. No buyback guarantee.<br><br><em>No bonus for new investors, but you can create your account<a href=index-354.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-933.html target=\"_blank\">Crowdestate account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-350.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"30\" data-attachment-id=\"228\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=228\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Bulkestate_logo.png?fit=500%2C100&amp;ssl=1\" data-orig-size=\"500,100\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Bulkestate_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Bulkestate_logo.png?fit=300%2C60&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Bulkestate_logo.png?fit=500%2C100&amp;ssl=1\" class=\"wp-image-228\" style=\"width: 150px;\" src=bulkestate_logob504.html alt=\"BulkEstate @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Bulkestate_logo.png?w=500&amp;ssl=1 500w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2018\/12\/Bulkestate_logo.png?resize=300%2C60&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-350.html target=\"_blank\"><strong>Bulkestate<\/strong><\/a><\/td><td>Real Estate<\/td><td>~11%<\/td><td>No monthly repayment option or secondary market available. You are stuck until maturity.<br><br><em>No bonus for new investors, but you can create your account<a href=index-350.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-829.html target=\"_blank\">BulkEstate account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-934.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"104\" data-attachment-id=\"860\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=860\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Ekassa_Logo.jpg?fit=192%2C133&amp;ssl=1\" data-orig-size=\"192,133\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1559683604&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Ekassa_Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Ekassa_Logo.jpg?fit=192%2C133&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Ekassa_Logo.jpg?fit=192%2C133&amp;ssl=1\" class=\"wp-image-860\" style=\"width: 150px;\" src=ekassa_logoeef1.html alt=\"Ekassa @ Savings4Freedom\"><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-934.html target=\"_blank\"><strong>Ekassa<\/strong><\/a><\/td><td>Consumer<\/td><td>~12%<\/td><td>Low-interest rates for investment risk. Significant delays in short-term loan repayment.<br><br><em>No bonus for new investors, but you can create your account<a href=index-934.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-935.html target=\"_blank\">Ekassa account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-394.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"30\" data-attachment-id=\"633\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=633\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?fit=1325%2C268&amp;ssl=1\" data-orig-size=\"1325,268\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"PeerBerry-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?fit=300%2C61&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?fit=1024%2C207&amp;ssl=1\" class=\"wp-image-633\" style=\"width: 150px;\" src=peerberry-logob504.html alt=\"Peerberry @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?w=1325&amp;ssl=1 1325w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?resize=300%2C61&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?resize=768%2C155&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?resize=1024%2C207&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?resize=772%2C156&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/04\/PeerBerry-logo.png?resize=624%2C126&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-394.html target=\"_blank\"><strong>PeerBerry<\/strong><\/a><\/td><td>Consumer<\/td><td>~11%<\/td><td>Low-interest rates for investment risk. Significant delays in short-term loan repayment.<br><br><em>No bonus for new investors, but you can create your account<a href=index-394.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br><em>PeerBerry\u2019s&nbsp;<\/em><strong><em>Loyalty program<\/em><\/strong><em>:<br><\/em><strong><em>Silver:&nbsp;<\/em><\/strong><em>From 10 000 Eur of active investment portfolio&nbsp;(earn +0,5% for future investments)<br><\/em><strong><em>Gold:<\/em><\/strong><em>&nbsp;From 25&nbsp;000 Eur of&nbsp;active investment portfolio&nbsp;(earn +0,75% for future investments)<br><\/em><strong><em>Platinum:<\/em><\/strong><em>&nbsp;From 40&nbsp;000 Eur of&nbsp;active investment portfolio&nbsp;(earn +1% for future investments)<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-936.html target=\"_blank\">PeerBerry account here<\/a><\/strong>.<\/td><\/tr><tr><td><figure><a href=index-937.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"60\" data-attachment-id=\"1580\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=1580\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?fit=748%2C300&amp;ssl=1\" data-orig-size=\"748,300\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Do-Finance_Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?fit=300%2C120&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?fit=748%2C300&amp;ssl=1\" class=\"wp-image-1580\" style=\"width: 150px;\" src=do-finance_logo4e38.html alt=\"DoFinance @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?w=748&amp;ssl=1 748w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?resize=300%2C120&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/07\/Do-Finance_Logo.png?resize=624%2C250&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-937.html target=\"_blank\"><strong>DoFinance<\/strong><\/a><\/td><td>Consumer<\/td><td>~9%<\/td><td>Low-interest rates for investment risk. Strict rules regarding investment periods that generate huge opportunity cost if not considered. Lack of transparency regarding the actual duration of the investments made.<br><br><em>If you <\/em><a href=index-937.html><em>sign up and invest through my referral link<\/em><\/a><em>, you enjoy VIP status offer which gives&nbsp;an extra 1% yield on all your investments in <\/em><a rel=\"noreferrer noopener\" href=index-937.html target=\"_blank\"><em>DoFinance<\/em><\/a><em> during the first 3 months.<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-938.html target=\"_blank\">DoFinance account here<\/a><\/strong>.<\/td><\/tr><tr><td><figure><a href=index-347.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"61\" data-attachment-id=\"370\" data-permalink=\"https:\/\/savingsforfreedom.com\/estateguru-analysis-review\/estateguru-logo\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/estateguru-logo.png?fit=464%2C188&amp;ssl=1\" data-orig-size=\"464,188\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"estateguru-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/estateguru-logo.png?fit=300%2C122&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/estateguru-logo.png?fit=464%2C188&amp;ssl=1\" class=\"wp-image-370\" style=\"width: 150px;\" src=estateguru-logo3eef.html alt=\"EstateGuru @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/estateguru-logo.png?w=464&amp;ssl=1 464w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/estateguru-logo.png?resize=300%2C122&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-347.html target=\"_blank\"><strong>EstateGuru<\/strong><\/a><\/td><td>Real Estate<\/td><td>~11%<\/td><td>Lower interest rates. No monthly repayment option or secondary market available. You are stuck until maturity.<br><br><em>If you <\/em><a rel=\"noreferrer noopener\" href=index-347.html target=\"_blank\"><em>sign up and invest through my referral link<\/em><\/a><em>, you will get gain 0.5% cashback on every investment made on <\/em><a rel=\"noreferrer noopener\" href=index-347.html target=\"_blank\"><em>EstateGuru<\/em><\/a><em> over the initial 3 months through <\/em><a rel=\"noreferrer noopener\" href=index-347.html target=\"_blank\"><em>my referral link<\/em><\/a><em>.<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-939.html target=\"_blank\">EstateGuru account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-398.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"84\" data-attachment-id=\"374\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=374\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/ViaInvest_logo.png?fit=300%2C167&amp;ssl=1\" data-orig-size=\"300,167\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"ViaInvest_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/ViaInvest_logo.png?fit=300%2C167&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/ViaInvest_logo.png?fit=300%2C167&amp;ssl=1\" class=\"wp-image-374\" style=\"width: 150px;\" src=viainvest_logo428a.html alt=\"ViaInvest @ Savings4Freedom\"><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-398.html target=\"_blank\"><strong>ViaInvest<\/strong><\/a><\/td><td>Consumer &amp; Enterprise<\/td><td>~9%<\/td><td>Low-interest rates for investment risk. Significant delays in short-term loan repayment.<br><br><em>If you <\/em><a href=4777002405d144.html><em>sign up and invest through my referral link<\/em><\/a><em>, you will get \u20ac10 bonus after your first investment of \u20ac50 in <\/em><a rel=\"noreferrer noopener\" href=index-398.html target=\"_blank\"><em>ViaInvest<\/em><\/a><em>.<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-940.html target=\"_blank\">ViaInvest account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-355.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"75\" data-attachment-id=\"366\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=366\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/Reinvest24_Logo.jpg?fit=512%2C256&amp;ssl=1\" data-orig-size=\"512,256\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Reinvest24_Logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/Reinvest24_Logo.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/Reinvest24_Logo.jpg?fit=512%2C256&amp;ssl=1\" class=\"wp-image-366\" style=\"width: 150px;\" src=reinvest24_logoec04.html alt=\"Reinvest24 @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/Reinvest24_Logo.jpg?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/Reinvest24_Logo.jpg?resize=300%2C150&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-355.html target=\"_blank\"><strong>ReInvest24<\/strong><\/a><\/td><td>Real Estate<\/td><td>(undefined)<\/td><td>Lack of returns for a significant timeframe. Low-interest rates for investment risk. No liquidity on assets.<br><br><em>Special September cashback for all investors<a href=index-355.html> using my referral link<\/a>, valid from <strong>9\/9\/2019 until 23.9.2019<\/strong><\/em><br><br><strong>Cashback % levels:<\/strong><br><strong>0,5%<\/strong>&nbsp;Cashback from&nbsp;total of&nbsp;100 &#8211; 999 EUR gross investments<br><strong>1%<\/strong>&nbsp;Cashback from total of 1000 &#8211; 9999 EUR&nbsp;gross investments&nbsp;<br><strong>1,5%<\/strong>&nbsp;Cashback from total of 10000 &#8211; 19999 EUR gross investments<br><strong>2%<\/strong>&nbsp;Cashback from total of 20000 &#8211; 29999&nbsp;EUR gross investments<br><strong>2,5%<\/strong>&nbsp;Cashback from total of 30000 &#8211; 39999&nbsp;EUR gross investments<br><strong>3%<\/strong>&nbsp;Cashback from total of 40000 &#8211; &#8230; EUR gross investments<br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-941.html target=\"_blank\">ReInvest24 account here<\/a><\/strong>.<\/td><\/tr><tr><td><figure><a href=index-382.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"79\" data-attachment-id=\"913\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=913\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?fit=1600%2C842&amp;ssl=1\" data-orig-size=\"1600,842\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Debitum_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?fit=300%2C158&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?fit=1024%2C539&amp;ssl=1\" class=\"wp-image-913\" style=\"width: 150px;\" src=debitum_logo81e1.html alt=\"Debitum @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?resize=300%2C158&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?resize=768%2C404&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?resize=1024%2C539&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?resize=772%2C406&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Debitum_logo.png?resize=624%2C328&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-382.html target=\"_blank\"><strong>Debitum Network<\/strong><\/a><\/td><td>Crypto &amp; Enterprise<\/td><td>~10%<\/td><td>Low-interest rates for investment risk. Significant delays in short-term loan repayment.<br><br><em>If you <\/em><a href=index-942.html><em>sign up and invest through my referral link<\/em><\/a><em>, you will get \u20ac10 bonus after your first investment of \u20ac250 in <\/em><a rel=\"noreferrer noopener\" href=index-382.html target=\"_blank\"><em>Debitum<\/em><\/a><em>.<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-943.html target=\"_blank\">Debitum account here<\/a><\/strong>. <\/td><\/tr><tr><td><figure><a href=index-381.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"49\" data-attachment-id=\"939\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=939\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?fit=846%2C279&amp;ssl=1\" data-orig-size=\"846,279\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Flender-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?fit=300%2C99&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?fit=846%2C279&amp;ssl=1\" class=\"wp-image-939\" style=\"width: 150px;\" src=flender-logob831.html alt=\"Flender @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?w=846&amp;ssl=1 846w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?resize=300%2C99&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?resize=768%2C253&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?resize=772%2C255&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Flender-logo.jpg?resize=624%2C206&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-381.html target=\"_blank\"><strong>Flender<\/strong><\/a><\/td><td>Enterprise<\/td><td>~9%<\/td><td>Low-interest rates for investment risk.<br><br><em>You can create a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-381.html target=\"_blank\">Flender<\/a> account <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-381.html target=\"_blank\">using this link<\/a> and gain <\/em><strong><em>5% cashback in all your investments for the first 120 days<\/em><\/strong><em>.<\/em><\/td><\/tr><tr><td><figure><a href=index-356.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"27\" data-attachment-id=\"940\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=940\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/rendity-logo-green.png?fit=435%2C78&amp;ssl=1\" data-orig-size=\"435,78\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"rendity-logo-green\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/rendity-logo-green.png?fit=300%2C54&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/rendity-logo-green.png?fit=435%2C78&amp;ssl=1\" class=\"wp-image-940\" style=\"width: 150px;\" src=rendity-logo-green46a7.html alt=\"Rendity @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/rendity-logo-green.png?w=435&amp;ssl=1 435w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/rendity-logo-green.png?resize=300%2C54&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-356.html target=\"_blank\"><strong>Rendity<\/strong><\/a><\/td><td>Real Estate<\/td><td>~7%<\/td><td>Low-interest rates for investment risk. High value for each investment, starting at \u20ac500.<br><br><em>You can create a <\/em><a rel=\"noreferrer noopener\" href=index-356.html target=\"_blank\"><em>Rendity<\/em><\/a><em> account <\/em><a rel=\"noreferrer noopener\" href=index-944.html target=\"_blank\"><em>using this link<\/em><\/a><em> and gain <\/em><strong><em>\u20ac25 as a sign-up bonus<\/em><\/strong><em>.<\/em><\/td><\/tr><tr><td><figure><a href=index-357.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"21\" data-attachment-id=\"941\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=941\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/profitus_logo_3_h52.png?fit=364%2C52&amp;ssl=1\" data-orig-size=\"364,52\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"profitus_logo_3_h52\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/profitus_logo_3_h52.png?fit=300%2C43&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/profitus_logo_3_h52.png?fit=364%2C52&amp;ssl=1\" class=\"wp-image-941\" style=\"width: 150px;\" src=profitus_logo_3_h52163c.html alt=\"Profitus @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/profitus_logo_3_h52.png?w=364&amp;ssl=1 364w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/profitus_logo_3_h52.png?resize=300%2C43&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-357.html target=\"_blank\"><strong>Profitus<\/strong><\/a><\/td><td>Real Estate<\/td><td>~10%<\/td><td>Low-interest rates for investment risk.<br><br><em>No bonus for new investors, but you can create your account<a href=index-357.html>&nbsp;using my referral link<\/a>&nbsp;and support the blog this way. Thank you!<\/em><\/td><\/tr><tr><td><figure><a href=index-433.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"104\" data-attachment-id=\"942\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=942\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?fit=890%2C617&amp;ssl=1\" data-orig-size=\"890,617\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1559729037&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Coinloan_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?fit=300%2C208&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?fit=890%2C617&amp;ssl=1\" class=\"wp-image-942\" style=\"width: 150px;\" src=coinloan_logoeef1.html alt=\"CoinLoan @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?w=890&amp;ssl=1 890w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?resize=300%2C208&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?resize=768%2C532&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?resize=772%2C535&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Coinloan_logo.jpg?resize=624%2C433&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><a rel=\"noreferrer noopener\" href=index-433.html target=\"_blank\"><strong>Coinloan<\/strong><\/a><\/td><td>Crypto<\/td><td>~11%<\/td><td>Low-interest rates for investment risk. Speculative since associated to crypto-assets.<br><br><em>You can create a <\/em><a rel=\"noreferrer noopener\" href=index-433.html target=\"_blank\"><em>Coinloan<\/em><\/a><em> account <\/em><a rel=\"noreferrer noopener\" href=index-433.html target=\"_blank\"><em>using this link<\/em><\/a><em> and<\/em><strong><em> gain 1% in cashback during the first 90 days<\/em><\/strong><em>.<\/em><\/td><\/tr><tr><td><figure><a href=indexaf7a.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"40\" data-attachment-id=\"943\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=943\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/bitbond-logo.png?fit=600%2C160&amp;ssl=1\" data-orig-size=\"600,160\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bitbond-logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/bitbond-logo.png?fit=300%2C80&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/bitbond-logo.png?fit=600%2C160&amp;ssl=1\" class=\"wp-image-943\" style=\"width: 150px;\" src=bitbond-logo8952.html alt=\"BitBond @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/bitbond-logo.png?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/bitbond-logo.png?resize=300%2C80&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=indexaf7a.html target=\"_blank\">Bitbond<\/a><\/strong><\/td><td>Crypto<\/td><td>~13%<\/td><td>Low-interest rates for investment risk. Speculative since associated with crypto-assets.<br><br><em>No bonus for new investors, but you can create your account<a href=indexaf7a.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><\/td><\/tr><tr><td><strong><figure><a href=index-945.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"70\" data-attachment-id=\"944\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=944\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Prepayway.png?fit=330%2C153&amp;ssl=1\" data-orig-size=\"330,153\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Prepayway\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Prepayway.png?fit=300%2C139&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Prepayway.png?fit=330%2C153&amp;ssl=1\" class=\"wp-image-944\" style=\"width: 150px;\" src=prepayway2eb2.html alt=\"PrepayWay Logo @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Prepayway.png?w=330&amp;ssl=1 330w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/06\/Prepayway.png?resize=300%2C139&amp;ssl=1 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/strong><a rel=\"noreferrer noopener\" href=index-945.html target=\"_blank\"><strong>PrepayWay<\/strong><\/a><\/td><td>Crypto<\/td><td>(undefined)<\/td><td>Still waiting for the P2P lending platform release.<br><br>You can <a rel=\"noreferrer noopener\" href=index-945.html target=\"_blank\">check these conditions<\/a> and join the <a rel=\"noreferrer noopener\" href=index-945.html target=\"_blank\">InBit token sale using this link<\/a>.<\/td><\/tr><tr><td><figure><a href=index-410.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\ufffc (opens in a new tab)\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"108\" data-attachment-id=\"380\" data-permalink=\"https:\/\/savingsforfreedom.com\/?attachment_id=380\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?fit=630%2C455&amp;ssl=1\" data-orig-size=\"630,455\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"bondora_logo\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?fit=300%2C217&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?fit=630%2C455&amp;ssl=1\" class=\"wp-image-380\" style=\"width: 150px;\" src=bondora_logo046f.html alt=\"Bondora @ Savings4Freedom\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?w=630&amp;ssl=1 630w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?resize=300%2C217&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2019\/02\/bondora_logo.png?resize=624%2C451&amp;ssl=1 624w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-410.html target=\"_blank\">Bondora<\/a><\/strong><\/td><td>Not transparent<\/td><td>(undefined)<\/td><td>Lack of transparency.<br><br><em>No bonus for new investors, but you can create your account<a href=index-410.html> using my referral link<\/a> and support the blog this way. Thank you!<\/em><br><br>Check my <strong><a rel=\"noreferrer noopener\" href=index-946.html target=\"_blank\">Bondora account here<\/a><\/strong>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 id=\"now-you-understand-the-reason-why-i-need-to-focus-my-p2p-investments-on-fewer-platforms\" class=\"has-text-align-center wp-block-heading\"><a rel=\"noreferrer noopener\" aria-label=\"Now you understand the reason why I need to focus my P2P investments in less platforms! (opens in a new tab)\" href=index-874.html target=\"_blank\">Now you understand the reason why I need to focus my P2P investments on fewer platforms!<\/a><\/h4>\n\n\n\n<h2 id=\"other-assets-on-portfolio\" class=\"wp-block-heading\">Other Assets on Portfolio<\/h2>\n\n\n\n<h3 id=\"coinbase\" class=\"wp-block-heading\"><a href=index-876.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Coinbase<\/a><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-876.html target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1808\" height=\"926\" data-attachment-id=\"6180\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_coinbase_account\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?fit=1808%2C926&amp;ssl=1\" data-orig-size=\"1808,926\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1578351315&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Coinbase_Account\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?fit=300%2C154&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?fit=1024%2C524&amp;ssl=1\" src=201912_coinbase_account0514.html alt=\"Coinbase Returns and Assets Value @ Savings4Freedom\" class=\"wp-image-6180\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?w=1808&amp;ssl=1 1808w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=300%2C154&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=1024%2C524&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=768%2C393&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=1536%2C787&amp;ssl=1 1536w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=772%2C395&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Coinbase_Account.jpg?resize=624%2C320&amp;ssl=1 624w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>If you <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-876.html target=\"_blank\">sign up and invest through my referral link<\/a>, you will get \u20ac9 bonus after your first investment of \u20ac90 in <a href=index-876.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Coinbase<\/a>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" aria-label=\"Coinbase account here (opens in a new tab)\" href=index-947.html target=\"_blank\">Coinbase account here<\/a><\/strong>.<\/p>\n\n\n\n<h3 id=\"bullionvault\" class=\"wp-block-heading\"><a href=index-877.html target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">BullionVault<\/a><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=index-877.html target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"530\" data-attachment-id=\"6178\" data-permalink=\"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/07\/savings4freedom-december-2019-portfolio-update\/201912_bullionvault_account\/\" data-orig-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?fit=1812%2C937&amp;ssl=1\" data-orig-size=\"1812,937\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;Picasa&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1578351309&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"201912_Bullionvault_Account\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?fit=300%2C155&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?fit=1024%2C530&amp;ssl=1\" src=201912_bullionvault_account-1024x5304bdb.html alt=\"BullionVault Assets @ Savings4Freedom\" class=\"wp-image-6178\" srcset=\"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=1024%2C530&amp;ssl=1 1024w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=300%2C155&amp;ssl=1 300w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=768%2C397&amp;ssl=1 768w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=1536%2C794&amp;ssl=1 1536w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=772%2C399&amp;ssl=1 772w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?resize=624%2C323&amp;ssl=1 624w, https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/201912_Bullionvault_Account.jpg?w=1812&amp;ssl=1 1812w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>You can create a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-877.html target=\"_blank\"><strong>BullionVault<\/strong><\/a> account <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=index-877.html target=\"_blank\">using this link<\/a>.<\/p>\n\n\n\n<p>Check my <strong><a rel=\"noreferrer noopener\" aria-label=\"BullionVault account here (opens in a new tab)\" href=index-948.html target=\"_blank\">BullionVault account here<\/a><\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-cnvs-separator-id-1592211818997\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h2 id=\"s4f-next-steps\" class=\"wp-block-heading\">S4F Next Steps<\/h2>\n\n\n\n<p>I will start delivering on my commitments towards 2020. As always, the goal is to keep the capital secure and maximize my potential returns!<\/p>\n\n\n\n<h4 id=\"this-is-all-about-december-2019\" class=\"wp-block-heading\">This is all about December 2019!<\/h4>\n\n\n\n<p>Thank you so much to all that are sharing opinions, comments, and suggestions with me over the email (info@savings4freedom.com). I&#8217;m always looking for ways to improve the blog and my investment strategy. <\/p>\n\n\n\n<p>If you enjoyed this post, please hit the like button below and\/or share it with your friends. Thanks for the support!<\/p>\n","protected":false},"excerpt":{"rendered":"Year in Review, New Goals, and Black Clouds hanging over the P2P Industry, but Savings4Freedom evolved from 200\u20ac in monthly returns by December 2018 to more than 600\u20ac by December 2019! Crowdlending gains in 2019 are \u20ac4.918,93!\n","protected":false},"author":2,"featured_media":6695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"qubely_global_settings":"","qubely_interactions":"","_uag_custom_page_level_css":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[290],"tags":[],"class_list":{"0":"post-6120","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-portfolio"},"jetpack_publicize_connections":[],"aioseo_notices":[],"qubely_featured_image_url":{"full":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1920%2C1080&ssl=1",1920,1080,false],"landscape":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1200%2C750&ssl=1",1200,750,true],"portraits":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=540%2C320&ssl=1",540,320,true],"thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=150%2C150&ssl=1",150,150,true],"medium":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=300%2C169&ssl=1",300,169,true],"medium_large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=768%2C432&ssl=1",768,432,true],"large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1024%2C576&ssl=1",1024,576,true],"1536x1536":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1536%2C864&ssl=1",1536,864,true],"2048x2048":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1920%2C1080&ssl=1",1920,1080,true],"cnvs-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"cnvs-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C225&ssl=1",300,225,true],"pk-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"pk-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C225&ssl=1",300,225,true],"qubely_landscape":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1200%2C750&ssl=1",1200,750,true],"qubely_portrait":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=540%2C320&ssl=1",540,320,true],"qubely_thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=140%2C100&ssl=1",140,100,true],"csco-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"csco-intermediate":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=200%2C140&ssl=1",200,140,true],"csco-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=380%2C220&ssl=1",380,220,true],"csco-thumbnail-alternative":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C180&ssl=1",300,180,true],"csco-thumbnail-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=380%2C214&ssl=1",380,214,true],"csco-medium":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=800%2C500&ssl=1",800,500,true],"csco-medium-alternative":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=560%2C336&ssl=1",560,336,true],"csco-medium-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=800%2C450&ssl=1",800,450,true],"csco-large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1160%2C680&ssl=1",1160,680,true],"csco-large-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1160%2C653&ssl=1",1160,653,true],"csco-extra-large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1920%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href=index-949.html rel=\"category tag\">Portfolio<\/a>","qubely_excerpt":"Year in Review, New Goals, and Black Clouds hanging over the P2P Industry, but Savings4Freedom evolved from 200\u20ac in monthly returns by December 2018 to more than 600\u20ac by December 2019! Crowdlending gains in 2019 are \u20ac4.918,93!","jetpack_featured_media_url":"https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1920%2C1080&ssl=1","uagb_featured_image_src":{"full":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1920%2C1080&ssl=1",1920,1080,false],"thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=150%2C150&ssl=1",150,150,true],"medium":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=300%2C169&ssl=1",300,169,true],"medium_large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=768%2C432&ssl=1",768,432,true],"large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1024%2C576&ssl=1",1024,576,true],"1536x1536":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1536%2C864&ssl=1",1536,864,true],"2048x2048":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=1920%2C1080&ssl=1",1920,1080,true],"cnvs-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"cnvs-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C225&ssl=1",300,225,true],"pk-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"pk-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C225&ssl=1",300,225,true],"qubely_landscape":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1200%2C750&ssl=1",1200,750,true],"qubely_portrait":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=540%2C320&ssl=1",540,320,true],"qubely_thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=140%2C100&ssl=1",140,100,true],"csco-small":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=80%2C80&ssl=1",80,80,true],"csco-intermediate":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=200%2C140&ssl=1",200,140,true],"csco-thumbnail":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=380%2C220&ssl=1",380,220,true],"csco-thumbnail-alternative":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=300%2C180&ssl=1",300,180,true],"csco-thumbnail-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?fit=380%2C214&ssl=1",380,214,true],"csco-medium":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=800%2C500&ssl=1",800,500,true],"csco-medium-alternative":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=560%2C336&ssl=1",560,336,true],"csco-medium-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=800%2C450&ssl=1",800,450,true],"csco-large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1160%2C680&ssl=1",1160,680,true],"csco-large-uncropped":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1160%2C653&ssl=1",1160,653,true],"csco-extra-large":["https:\/\/i0.wp.com\/savingsforfreedom.com\/wp-content\/uploads\/2020\/01\/bg08.png?resize=1920%2C1024&ssl=1",1920,1024,true]},"uagb_author_info":{"display_name":"SavingsForFreedom","author_link":"https:\/\/savingsforfreedom.com\/blog\/author\/csmboto\/"},"uagb_comment_info":2,"uagb_excerpt":"Year in Review, New Goals, and Black Clouds hanging over the P2P Industry, but Savings4Freedom evolved from 200\u20ac in monthly returns by December 2018 to more than 600\u20ac by December 2019! Crowdlending gains in 2019 are \u20ac4.918,93!","jetpack_shortlink":"https:\/\/wp.me\/pbDpY9-1AI","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/posts\/6120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/comments?post=6120"}],"version-history":[{"count":0,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/posts\/6120\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/media\/6695"}],"wp:attachment":[{"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/media?parent=6120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/categories?post=6120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/savingsforfreedom.com\/wp-json\/wp\/v2\/tags?post=6120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}