July 2019 Portfolio & Blog Update – Best Month For The Blog So Far

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It was a great month for my blog, the best so far in income and visitors. My passive income is lower than last month, as I already expected. This is due to a number of reasons, which I will explain below.

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.

July 2019 portfolio update

An early portfolio this month as we’re about to go camping and we agreed on not bringing our laptops. So I wanted to complete my portfolio before we’re going.

The charts we’re pretty easy this month as I made a pretty thorough spreadsheet last month. All I had to do was add the numbers for July and download the new charts. Still takes about a day, but better than a week ;)

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

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

Monthly summary

  • Portfolio value: € 23,352.47
  • Deposits: € 500.00
  • Withdrawals: € 743.06
  • Passive income: € 202.85

I withdrew money from 3 platforms this month next to the standard withdrawals from Geld voor Elkaar and Funding Circle who pay monthly interest and principal on my bank account.

I stopped investing in Finbee and NeoFinance because with both platforms I didn’t really feel a click (as far as you can have that with a website ;)). Both were only small parts of my portfolio.

RoboCash didn’t had any loans available, so my money didn’t get invested. And since the interest rates aren’t that special and it was a small account, I decided to withdraw my money there as well.

I want to invest in less platforms anyway and only keep the ones I love the most and the ones that feel good and solid.

Charts

Portfolio July 2019 Allocation

Portfolio July 2019 Passive Income

The Platforms

A short summary of every platform I invest in:

Geld voor Elkaar

  • Started investing: June 2017
  • Average interest rate: 7.72 %
  • Current value: € 6,164.50
  • Passive income: € 42.92

GeldVoorElkaar Chart July 2019

Geld voor Elkaar (GvE) 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.

The projects are doing well, only one is having problems. But there aren’t missed payments yet. The platform does a good job with getting information and arrange things with the borrowers.

Even though they are doing a good job, I rather invest my money in another platform with higher interest rates and a form of buyback guarantee. 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: 16.34 %
  • Current value:€ 1,256.28
  • Passive income: € 14.52

FundingCircle Chart July 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.

Half of my projects are having issues and there aren’t any guarantees on the platform. I have no idea how much money will be paid out in the end. I haven’t invested money here for a while now and I’m going to keep it that way.

Crowdestor

  • Started investing: December 2018
  • Average interest rate: 18.23 %
  • Current value:€ 3,681.63
  • Passive income: € 36.60

Crowdestor Chart July 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.

My passive income is lower this month because of some projects that paid once after the start and then again in 6 months. So my passive income will see a spike again in 6 months.

Mintos

  • Started investing: December 2018
  • Average interest rate: 14.20 %
  • Current value: € 2,655.35
  • Passive income: € 26.72

Mintos Chart July 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 are still pretty high, up to 16% nowadays. I sold my RUB loans last month and transferred the money back to Euros. Because of the great exchange rate, my current value went up almost € 25, nice!

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: 16.63 %
  • Current value: € 2,276.52
  • Passive income: € 29.79

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.

In June, they didn’t have any new projects and in July not much either. The cash drag I’m having now isn’t great. If there aren’t new projects in the next two weeks, I’m going to withdraw some money to invest in another platform.

They added an auto-invest feature this month and I’m curious how that’s going to work out when a new project comes online.

I have 16 active projects and 6 projects that have ended successfully.

If you use this link to sign up, you will receive a bonus of € 5 (when you deposit at least € 100) 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: € 1.080,81
  • Passive income: € 12.42

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.

I’m not sure if I’m going to invest more into Grupeer. I’m waiting for more statistics to get a better overview. Plus the interest rates on Mintos are higher now, so I prefer Mintos over Grupeer at this point.

But it feels like a solid platform and I haven’t seen nay late payments so far. So it’s a great platform for diversification.

Crowdestate

  • Started investing: February 2019
  • Average interest rate: 16.18 %
  • Current value: € 522.80
  • Passive income: € 3.37

Crowdestate is an Estonian P2P platform. Their projects are all real estate. At the moment I’m just checking out how my projects perform. There are no guarantees, but of course there is collateral to sell when a project defaults.

There is some cash drag as the minimum investment is € 100. At the moment I have € 73 on my account. Maybe I will invest another € 500 in a while so I will reach the required € 100 sooner.

Fast Invest

  • Started investing: February 2019
  • Average interest rate:  13.42 %
  • Current value: € 528.98
  • Passive income: € 6.04

Fast Invest still hasn’t published more information about their loan originators. Another thing is that their interest rates are still stuck at 13% instead of the 16% they still talk about.

But the loans are all performing well, I haven’t had any problems, so I’m just keeping my money here for now. Hopefully they will publish information about their loan originators soon.

Finbee

I decided to stop investing in Finbee. I only had € 100 on the platform and as I want to lower the amount of platforms I’m in, Finbee had to go. The loans all went well, I haven’t had problems with any of them.

The money I withdrew was in my account the next day.

Robo Cash

RoboCash wasn’t investing my money anymore as there were no loans available. So I decided to quit the platform and sold my loans.

Everything was sold the same day and after withdrawal, I received my money the next day.

PeerBerry

  • Started investing: May 2019
  • Average interest rate: 12.54 %
  • Current value: € 511.95
  • Passive income: € 4.82

PeerBerry is a Latvian platform. Their interest rates aren’t very high compared to some other platforms, but all loans come with buyback guarantee and so far all of my loans are paid on time.

Neo Finance

Neo Finance is a Lithuanian platform with mostly consumer loans. I decided to quit this platform for the same reason as Finbee. So I sold my loans in the secondary market and withdrew my money. Works great as I received the money the next day.

My husband is currently diving into the platform and is working an review on them, which will be published on my blog as soon as he’s finished.

If you want to try out Neo Finance for yourself, use this link to receive a signup bonus of € 25.

EstateGuru

  • Started investing: May 2019
  • Average interest rate:  10.95 %
  • Current value: € 506.75
  • Passive income: € 1.82

EstateGuru is an Estonian real estate platform. They have the lowest interest rates of all the platforms I invest in, so I don’t know if I’m going to invest more money here. For now, I’m going to check out how my investments are doing to see if I like this platform.

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

Agrikaab

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

My camel – I named her Poekie ;) – from Agrikaab is doing great as far as I know.

I received my first payment of $70 (€62) last month! As they pay quarterly, my passive income dropped this month. The next payment will be in October.

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.

Reinvest24

  • Started investing: May 2019
  • Average interest rate: ~ 12.5 %
  • Current value: € 510.46
  • Passive income: € 0.46

Reinvest24 is a new real estate platform which is based in Estonia. With Reinvest24 you don’t invest in real estate from other companies, but you invest in their own projects. It’s like being a landlord and you own a part of a property which gives yield and capital growth.

If you want to know more about them you can read my Reinvest24 review and an interview with their CEO.

I received my first payment this month, a whopping 46 cents ;)

Kuetzal

  • Started investing: May 2019
  • Average interest rate:  20.02 %
  • Current value: € 1,544.16
  • Passive income: € 17.08

Kuetzal is a fairly new Estonian real estate platform. They offer high interest rates and have a buyback guarantee in place. So far I really like them.

I transferred an extra € 500 to the platform and invested it right away. So my passive income from Kuetzal will be higher next month.

BulkEstate

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

Bulkestate is an Estonian real estate platform.

The two projects I’m in only pay interest after a year, so there isn’t much going on at the moment. My first passive income from BulkEstate will arrive in May 2020.

DeGiro (Stocks)

Recently I signed up with DeGiro as I want to diversify my portfolio more instead of just having P2P investments. I’ve got only 1 stock of 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 doing great! It’s my best month yet as I made € 313.74 this month, wow!

Statistics

My Seventh month of blogging:

  • 4676 pageviews (was: 3490)
  • 2041 visitors (was: 1564)
  • 75 Facebook likes (was: 65)
  • 785 followers on Twitter (was: 659)
  • 151 followers on Pinterest (was: 119)

My pageviews went up again in July and I crossed 4000 pageviews for the first time, awesome! My social media accounts also grew again.

Conclusion

My passive income dropped because of Agrikaab that pays out quarterly. But I did surpass a passive income of € 200 again. I thought it would be closer to € 250, but because of some cash drag and some projects that don’t pay out each month, it’s lower than expected.

My blog is actually starting to feel like a business now that I make some money with it. I have no idea if August will also be a good month, but we will see.

I’m working hard to keep growing and hopefully it’s going to pay off in a while. My hourly rate is still pretty bad, but luckily I love my business, so I don’t mind.

This is all for July. Hopefully you had a good read and I hope to see you again next time.

Kind Regards,
Janneke

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This Post Has 11 Comments

  1. Sounds like a solid month Janneke, great job with the blogging numbers and solid passive income!

    1. Thanks!

  2. Congrats on a solid month Janneke.

    Hard work is starting to pay off, keep it going and enjoy your well-deserved laptop-free holiday break.

    1. Thank you!

  3. Wonderful numbers this month, Janneke. You are consolidating a very diversified portfolio and the hard work with your blog is being rewarded. I’m sure we’ll see even better monthly results after the holiday break. Enjoy!

    1. Thanks!

  4. Hi Janneke,
    Great month! Your page views and visitors are skyrocketing, you’ll break even in no time!
    Keep it up.
    Matt

  5. Hi Janneke

    What is the % of your total investing portfolio that you put into the P2P platforms above?
    What is your view on how you came to that %.
    Tank you

    1. Hi Kris,
      What you see here is my total investment portfolio :)

  6. Your blog progress is truly inspirational for anyone out there starting out – hard work pays off! Looking forward to future updates on your journey.

    Mind sharing the tool you’re using for editing featured blog post thumbnail images? :)

    1. Hi Marko,

      Thank you for your sweet comment!

      I use Canva (free version) for my featured images and my pin images. Very easy to work with and pretty awesome stuff you can create with it, I love it.

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