Last updated: December 1st, 2019

Current portfolio value 7.102€
Total interest since start 1.872€
Monthly cashflow 69€
Annualized return since start 14,41%
Current loans 100%
Start date Sep 5, 2017

Table of contents


  • September 24, 2019 – Grupeer updated yesterday their terms and conditions in preparation for upcoming changes on the platform. One of those changes is introduction of loans without Buyback Guarantee. That made many investors nervous as wasn’t very clear what it means.

    In response, Grupeer released today a blog post clarifying things. Shortly, the change will not affect existing loans. All existing loans are still with Buyback Guarantee, and that will not change. This will apply only for some of the new loans in the future. We will see. Probably a new loan originator that doesn’t want BB.

    They also added a new filter in the Auto Invest tool to filter out loans without BB and has selected by default only loans with BB. Therefore, no action for you to take in Auto Invest. Even if they add new loans without BB, Auto Invest will not pick up those, unless you go and modify the filter on purpose.
  • August 2019 – I took 500€ out of Grupeer and invested all in Mintos. As I have some rather aggressive Auto Invest settings in Grupeer, that resulted in a little bit of cash drag. I figured out this is a good opportunity for me to re-balance my P2P portfolio, as I am too much exposed on Grupeer. This is something I wanted to do for a while now.

My review

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Portfolio value

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Monthly cashflow

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Current loans

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Deposits and withdrawals

Deposits are with blue and withdrawals are with red. For making things easy to understand, I skipped the months where there were no transactions.

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