My portfolio of investment returns for November 2018 is below.
|Platform||Nov 18*||Dec 18*||Deposits / Withdrawals||Month Return|
*All values have been brought back to EUR and have been standardised. The important thing is to not show you how much I am investing per se, rather how much return is possible each month.
This month showed great returns from Bondora (again), and some other solid return through Envestio and Grupeer. Currently Grupeer does not have any loans available, but have suggested that they are working on adding more projects on their platform. Lets hope that they do add projects soon, and the projects are of the same quality as the ones previous.
I was also happy to see returns starting to be produced from Envestio and Crowd Estate. Envestio projects offer massive returns (over 20%) and I do wonder how sustainable those are. Crowd Estate can produce lumpy returns as some of the projects invested in will only be paid out at their completion.
This month I have also opened an account with Fast Invest, which I hope to bring you more information and articles on soon.
I have started to shy a little away from Mintos and Robo.Cash for various reasons. With Mintos I feel that some of the loans on offer are not of the best quality. A lot that I have come across have had late or no past payments, or were offering a sub-par interest rate. I always look for payment history (Read more here) as I find it can help determine if a borrower will pay you back on time! Robo.cash on the other hand released an announcement this month saying that all new loans added to Robo.cash will provide an annual return not exceeding 12%.
Personally this month was another busy one leading up to Christmas, I assume the next few will be similar. Hopefully I can make some time to do some writing over the Christmas break.