August 2019 Portfolio & Blog update – Slow & Steady Growth

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August was a great month, we went on holiday and had lots of family time. I didn’t work much on the blog this month, but my page views from August are slightly higher than July, so that’s a good thing.

For my Dutch readers: Yesterday, I launched the Dutch version of my website! Still have lots of posts to translate, but it’s a start so far :)

For new readers: I mostly invest in peer-to-peer lending. If you want to know more about it, you can check out my ultimate guide which explains everything you need to know to get started.

August portfolio update

I updated all the charts for this month again, which is so much easier now that I have everything on one google sheet!

Lets dive into the numbers for my August 2019 portfolio update.

This post may contain affiliate links. Please visit my full disclosure policy for more details.

Monthly summary

  • Portfolio value: € 23,677.75
  • Deposits: € 250.00
  • Withdrawals: € 215.02
  • Passive income: € 245.75

The withdrawals are from Geld voor Elkaar and Funding Circle who pay monthly interest and principal on my bank account. I haven’t withdrawn any money manually.

Charts

Passive Income Portfolio

Portfolio Allocation August 2019

The Platforms

A short summary of every platform I invest in:

Geld voor Elkaar

  • Started investing: June 2017
  • Average interest rate: 7.73 %
  • Current value: € 6,042.20
  • Passive income: € 41.92

Geld voor Elkaar is a Dutch P2P platform and my first introduction to investing. The interest rates aren’t very high and there is no buyback guarantee or any other guarantee.

Out of the 16 projects I’m in, 15 perform well and pay on time every month. One is having problems and isn’t paying at the moment. I’m getting updates every month about the projects that aren’t paying.

The interest rates are too low for my liking at this moment, so I’m not investing more money here. There is still a couple of years to go before all projects are complete. The last project ends on August 6th, 2024.

Funding Circle

  • Started investing: August 2018
  • Average interest rate: — %
  • Current value:€ 1,222.43
  • Passive income: € 16.95

FundingCircle Chart August 2019

Funding Circle is the second platform I started investing in. My experiences are from the Dutch platform. They also have platforms in other countries, which might work and perform differently.

Two projects started paying again, that’s why my passive income from Funding Circe went up this month. Only one out of 6 projects isn’t paying. They can’t even find the guy, they think he went to the Philippines. So I guess that money is gone.

Crowdestor

  • Started investing: December 2018
  • Average interest rate: 18.11 %
  • Current value:€ 3,753.66
  • Passive income: € 70.33

Crowdestor Chart August 2019

Crowdestor is an Estonian P2P lending platform. Their projects are all businesses with interest rates up to 21%. Since I started investing in Crowdestor back in December, I haven’t run into any problems or late payments.

The spike this month is from a project that paid 6 months worth of interest in August. So the passive income from Crowdestor will be a bit lower next month.

Crowdestor has 4 new projects coming up, so make sure to signup on time and transfer money to the platform if you would like to invest in any of them:

Crowdestor projects september

Crowdestor projects september

Click on the images to enlarge or go to the website to see the projects that are coming.

If you want to join Crowdestor, I appreciate it if you use my link as it supports the blog. Unfortunately Crowdestor doesn’t have a signup bonus for new investors.

Mintos

  • Started investing: December 2018
  • Average interest rate: 13.40 %
  • Current value: € 2,688.84
  • Passive income: € 31.81

Mintos Chart August 2019
Mintos is a large Latvian P2P marketplace. They have lots of loans available all the time, in the primary market & the secondary market. You can read my Mintos review to learn more about the platform.

Also check out my view on which loan originators to invest in.

Mintos interest rates have dropped the last month. Last month there were interest rates up to 16%. But this month it’s hard to find EUR loans above 13%.

Are you new to Mintos and want to start investing with them? Mintos offers a 1% cashback bonus on all of your investments made in the first 90 days, if you sign up with this link.

Envestio

  • Started investing: December 2018
  • Average interest rate: 17.03 %
  • Current value: € 2,349.99
  • Passive income: € 25.70

Envestio Chart July 2019

Envestio is an Estonian platform which has Business projects only. They are steadily growing and most projects are funded in an hour or even less. I reviewed them a while ago, you can read my Envestio review to learn more about the platform.

Finally there were a few new projects. I was ready to withdraw some money and then the auto invest tool invested the money that was waiting for weeks on my account.

My passive income dropped due to cash drag, but it should be going up next month as everything is invested again. The auto invest feature works very good so far, no complaints here.

I have 18 active projects and 7 projects that have ended successfully.

If you use this link to sign up, you will receive a bonus of € 5 plus a 0,5% cashback on all off your investments made in the first 270 days.

Grupeer

  • Started investing: December 2018
  • Average interest rate: 13.8 %
  • Current value: € 1.093,43
  • Passive income: € 12.49

Grupeer Chart July 2019

Grupeer is a Latvian platform which is similar to Mintos, only a lot smaller. You can check out my Grupeer review if you want to learn more about them.

My Grupeer account is slowly growing. Unfortunately there is still no secondary market or any statistics about my investments. That keeps me from investing more into Grupeer.

So, I’m just going to let it grow slowly and wait for new features & info. I haven’t run into any problems with Grupeer, so on that part they are doing a good job.

If you want to join Grupeer, I appreciate it if you use my link as it supports the blog. Unfortunately Grupeer doesn’t have a signup bonus for new investors.

Kuetzal

  • Started investing: May 2019
  • Average interest rate:  20.02 %
  • Current value: € 1,569.56
  • Passive income: € 25.04

Kuetzal Chart August 2019

Kuetzal is an Estonian platform which started in 2018. They offer a couple of different projects, like: Real estate, transport, medical care, technological progress, food industry and goods production, with interest rates up to 21%.

Some of their projects come with a buyback guarantee, which is covered by Kuetzal itself, not the project owners.

If you want to join Kuetzal, I appreciate it if you use my link as it supports the blog. Unfortunately Kuetzal doesn’t have a signup bonus for new investors.

Agrikaab

  • Started investing: May 2019
  • Average interest rate:  32 %
  • Current value: € 1,464.56
  • Passive income: € 0

My camel – Poekie – from Agrikaab is doing great as far as I know.

They are continuously growing and expanding their business and keep everyone up to date on social media. I’m really excited about these kind of businesses as they combine investing with charity.

My next Camel milk payment should arrive in October.

Small Platforms

This month I decided to combine all the small platforms with less than € 1000 on them so the charts at the start of the post are easier to read.

Other Platforms August 2019

The platforms included are:

Crowdestate

  • Started investing: February 2019
  • Average interest rate: 15.53 %
  • Current value: € 526.54
  • Passive income: € 3.63

Crowdestate is an Estonian P2P platform. Their projects are all real estate, which is good for diversification as I have a lot of personal and business loans in my portfolio.

Fast Invest

  • Started investing: February 2019
  • Average interest rate:  13.36 %
  • Current value: € 536.53
  • Passive income: € 5.72

Fast Invest is based in the UK, but their daily operations take place in Lithuania.

They still haven’t come forward with more information about their loan originators, while they promised to do so for a while now. That’s why I don’t invest more money here.

PeerBerry

  • Started investing: May 2019
  • Average interest rate: 12.70 %
  • Current value: € 516.40
  • Passive income: € 4.03

PeerBerry is a Latvian platform and offers a buyback guarantee on all of their loans.

EstateGuru

  • Started investing: May 2019
  • Average interest rate:  11 %
  • Current value: € 512.82
  • Passive income: € 6.07

EstateGuru is an Estonian real estate platform which is nice for diversifying across different types of loans.

If you want to invest in EstateGuru, you can use this link to receive a 0,5% cashback bonus on all of your investments made in the first 3 months.

Reinvest24

  • Started investing: May 2019
  • Average interest rate: 13.13 %
  • Current value: € 501.45
  • Passive income: € 0.49

Reinvest24 is a fairly new real estate platform which is based in Estonia. I’m trying them out currently with a small amount.

Related: Reinvest24 review
Related: Interview Series: Reinvest24

BulkEstate

  • Started investing: May 2019
  • Average interest rate: 16.65%
  • Current value: € 500
  • Passive income: € 0

Bulkestate is an Estonian real estate platform. Their projects pay interest at the end of a project, so I won’t receive any money before May 2020.

WiseFund

  • Started investing: August 2019
  • Average interest rate: 19 %
  • Current value: € 250
  • Passive income: € 0

WiseFund is a new P2P platform which I’m trying out with a small amount of money to see how they perform.

If you want to try out WiseFund for yourself, you can use this link to receive a € 5 signup bonus and 0.5% cashback on all investments made during first 270 days.

Non-P2P investments

Stocks

A couple of months ago I signed up with DeGiro as I want to diversify my portfolio more instead of just having P2P investments.

I’ve got only one stock of VWRL (Vanguard FTSE All-World UCITS ETF) at the moment.

I have to learn more about stocks before I’m putting more money into it.

How is the blog doing?

The blog is still growing steadily. I didn’t work much on the blog in August due to our vacation and the launch of the Dutch blog.

Statistics

My eighth month of blogging:

  • 5501 pageviews (was: 4676)
  • 2246 visitors (was: 2041)
  • 83 Facebook likes (was: 75)
  • 933 followers on Twitter (was: 785)
  • 178 followers on Pinterest (was: 151)

My pageviews went up again in August and I crossed the 5000 mark for the first time! My Twitter account is almost at 1000 followers. I didn’t expect to ever reach such numbers back in December :)

Conclusion

My passive income is almost at €250 now, which is a nice amount of money to earn every month without having to do something for it. Well, other than keeping it invested and check the platforms every now and then.

With the Dutch site online, it really feels like a business now. Maintaining two blogs is a lot of work and I’m still struggling with dividing my time between the two. But I will get there :)

I’ve got tons of plans and ideas and when our youngest son starts school in October, I will have a lot more time to work on my business. I’m really excited to keep growing!

See you next month!

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This Post Has 13 Comments

  1. Keep going ! Congrats on your journey from a fellow “FIRE wannabe” from Portugal :)

    Hope you had a lovely holiday!

    1. Thank you!

  2. That sounds like a wonderful month Janneke! Great job on the passive income side and your blog is also growing! Excited to see more articles pop up on your Dutch site and see it grow!

    1. Thanks! I’m excited too

  3. Thank you!
    Your numbers look good! Lot more invested than little me ;)

  4. Great August Janneke! Glad to see you are doing so well, especially with your blog, which has a steady growth month after month.
    Keep on the great work!

    1. Thank you Carlos!

  5. Great work Janneke, even for not spending so much time on the website, you can see the start of the compounding wheels turning!
    It will be interesting to see how the viewership on your dutch version of the website compares to here!
    Matt

    1. Thanks!
      Very curious here as well. The Dutch audience is a lot smaller of course, but I’m planning to make ebooks and courses for the Dutch site as that’s easier in my own language. So I hope that will create a decent audience for the site :)

  6. Awesome results Janneke!

    Got to love the shape of the bar chart of monthly P2P platform incomes. Look at that “hockey-stick”! Nice!

    Great that you’re diversifying as well.

    Running a Dutch blog in parallel might be a great way to target that language niche. For me, the Finnish blog works quite well actually, but I always try to get people to go to the English version if at all possible.

    Does your Dutch blog contain identical content, just translated?

    1. Hi Eelis! Tnx for your comment! Yeah, the chart is going up nicely :)

      The Dutch blog does contain the same stuff at the moment, also still have to translate a lot, but I have other plans as well, including eBooks and courses (as I’m not seeing myself doing such stuff in English) and it’s going to be more targeted towards a Dutch audience and Dutch stuff and rules and such.

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