2018 Summary of Returns
I have only started tracking my investments from August 2018, so I do not have a full years worth of data. However, we can take a look at the returns that I made from the 5 months that were recorded! All in all I achieved an average return of 1.09% per month. That equates to just over 13% per year. Over the 5 months, I outperformed my own share portfolio by 0.09%, and I beat the S&P 500 by 11.56%. I am very happy with that.
I do expect the return to be greater in 2019, as this month I was starting out with a few new platforms,
Combined Interest From All Months
This graph provides the stacked returns that I have made (per month) through each of the Investment platforms that I invest in (Mintos, Bondora, Grupeer, Rate Setter (AU), Envestio, Crowd Estate, Robo Cash and Fast Invest). Each month is marked in a separate colour, and the total investment can be seen on the bottom axis. The average investment return has also been included. Click on the graph to see more details.Please note: After 2018, I stopped investing in, and recording results from Robo Cash.
Monthly Returns Among P2P Platforms
This graph is similar to the above, but shows the data in a different way. This graph makes it clear how each investment is performing each month. From this graph, I can plot averages and make trend lines to estimate future returns.
Shares vs P2P
This graph shows how my average P2P returns have compared to the S&P 500. As you can see from the graph, in 5 months my P2P returns out earned the S&P 500 by over 11%. I have also included the average returns of my share portfolio here as well. The P2P returns are shown on the solid line, and the returns from both the S&P 500 and my share portfolio are in the broken line. Month is on the bottom axis and % return is on the side. Click on the graph to see more details.
Raw Data for 2018
You can find each of my monthly updates for 2018 below: