Last updated: December 1st, 2019

I have started my peer to peer lending portfolio in September 2017, and since then I have learned a ton. Take a quick look below to see how I am doing.

Current portfolio value 16.344€
Total interest since start 3.381€
Monthly cashflow 142€
Annualized return since start 13,53%
Returns per platform XIRR
Mintos Sep, 2017 Details 12,18%
Grupeer Sep, 2017 Details 14,41%
Envestio Feb, 2019 Details 19,75%
Crowdestor April, 2019 Details 13,54%
Peerberry April, 2019 9,66%
EvoEstate Sep, 2019 2,30%
Fast Invest Oct, 2019 7,42%
Iuvo group Oct, 2019 10,30%
Rendity Oct, 2019 0%
Swaper Oct, 2019 1,77%
Trine Oct, 2019 0%

Some platforms have 0% return as I've only recently invested in them and it needs time for interest to accumulate.

Platform allocation

The current platform allocation for my portfolio. I am currently too much exposed on Grupeer, and this is something I will try to resolve in the upcoming months to achieve a better diversification.

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Portfolio value

The evolution of portfolio showing total value and interest over time. The yellow line represents the interest accumulated. I have done a downsize in the second part of 2018 to better suit my risk profile and P2P allocation in my overall investment portfolio.

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Portfolio deposits and withdrawals

You can also take a look over deposits (with blue) and withdrawals (with red). For making things easy to understand, I skipped the months where there was no transaction.

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The actual data

And here is the full data, if you are interested.

November 2019

PlatformReturnIncomeValue
Mintos12,18%30,57€3.306,80€
Grupeer14,41%69,32€7.102,45€
Envestio19,75%14,87€803,71€
Crowdestor13,54%5,66€989,91€
Peerberry9,66%3,07€316,12€
EvoEstate2,30%2,46€1002,46€
Fast Invest7,42%2,45€302,48€
Iuvo group10,30%12,79€1619,45€
Rendity0,00%0,00€500,00€
Swaper1,77%0,52€300,52€
Trine0,00%0,00€100,00€
TOTAL13,53%141,71€16.343,90€

October 2019

PlatformReturnIncomeValue
Mintos12,18%28,66€3.276,23€
Grupeer14,48%70,99€7.033,13€
Envestio19,08%13,87€788,84€
Crowdestor14,09%5,49€484,25€
Peerberry9,17%2,09€313,05€
EvoEstate0,00%0,00€400,00€
Fast Invest0,30%0,03€300,03€
Iuvo group10,64%6,66€1606,66€
Rendity0,00%0,00€500,00€
Swaper0,00%0,00€300,00€
Trine0,00%0,00€100,00€
TOTAL13,62%127,79€15.102,19€

September 2019

PlatformReturnIncomeValue
Mintos12,22%31,92€3.247,57€
Grupeer14,55%76,41€6.962,14€
Envestio18,50%16,02€774,97€
Crowdestor14,05%5,49€478,76€
Peerberry9,38%2,88€310,96€
EvoEstate0,00%0,00€400,00€
TOTAL13,70%132,72€12.174,40€

August 2019

PlatformReturnIncomeValue
Mintos12,21%31,71€3.215,65€
Grupeer14,56%81,26€6.885,73€
Envestio16,92%10,77€758,95€
Crowdestor13,83%5,49€473,27€
Peerberry8,72%3,05€308,08€
TOTAL13,67%132,28€11.641,68€

July 2019

PlatformReturnIncomeValue
Mintos12,14%28,52€2.683,94€
Grupeer14,58%80,46€7.304,47€
Envestio16,65%9,34€748,18€
Crowdestor13,58%5,49€467,78€
Peerberry7,40%2,1€305,03€
TOTAL13,64%125,91€11.509,40€

June 2019

PlatformReturnIncomeValue
Mintos12,11%24,49€2.655,42€
Grupeer14,61%80,02€7.224,01€
Envestio16,82%8,63€738,84€
Crowdestor13,07%9,31€462,29€
Peerberry6,78%1,61€302,93€
TOTAL13,63%124,24€11.383,49€

May 2019

PlatformReturnIncomeValue
Mintos12,11%27,94€2.630,93€
Grupeer14,62%82,72€7.143,81€
Envestio17,28%9,91€730,21€
Crowdestor4,93%2,15€452,98€
Peerberry6,89%1,05€301,32€
TOTAL13,60%123,77€11.259,25€

April 2019

PlatformReturnIncomeValue
Mintos12,08%25,97€2.602,99€
Grupeer14,61%89,28€7.061,09€
Envestio17,20%9,05€720,30€
Crowdestor3,14%0,83€400,83€
Peerberry3,45%0,27€100,27€
TOTAL13,57%125,40€10.885,48€

March 2019

PlatformReturnIncomeValue
Mintos12,05%22,37€2.577,02€
Grupeer14,49%78,84€6.971,81€
Envestio17,67%5,31€711,25€
TOTAL13,48%106,52€10.260,08€

February 2019

PlatformReturnIncomeValue
Mintos12,09%23,38€2.554,65€
Grupeer14,50%79,35€6.892,97€
Envestio39,22%5,94€405,94€
TOTAL13,50%108,67€9.853,56€

January 2019

PlatformReturnIncomeValue
Mintos12,07%21,82€2.441,27€
Grupeer14,39%84,09€6.723,62€
TOTAL13,38%105,91€9.164,89€

December 2018

PlatformReturnIncomeValue
Mintos12,07%21,05€2.419,45€
Grupeer14,29%73,42€6.639,53€
TOTAL13,32%94,47€9.058,98€

November 2018

PlatformReturnIncomeValue
Mintos12,14%19,49€2.398,40€
Grupeer14,31%75,29€6.566,11€
TOTAL13,33%94,78€8.964,51€

October 2018

PlatformReturnIncomeValue
Mintos12,20%21,50€2.378,91€
Grupeer14,25%84,48€6.490,82€
Bondora-3,24%0,2€2,7€
TOTAL11,93%
106,18€8.872,43€

September 2018

PlatformReturnIncomeValue
Mintos12,23%22,32€2.357,41€
Grupeer14,04%73,94€6.406,34€
Bondora-3,34%-134,42€967,5€
Robocash12,5%3,35€3,11€
TOTAL11,93%
-34,81€9.734,36€

August 2018

PlatformReturnIncomeValue
Mintos12,23%37,65€2.335,09€
Grupeer13,93%73,86€6.332,40€
Bondora11,52%10,7€1.101,92€
Robocash12,42%8,71€177,22€
TOTAL12,84%130,92€9.946,63€

July 2018

PlatformReturnIncomeValue
Mintos12,04%49,42€5.529,44€
Grupeer13,84%74,23€6.258,54€
Bondora11,45%8,8€1.091,22€
Robocash12,28%12,9€648,1€
TOTAL12,68%145,35€13.527,3€

June 2018

PlatformReturnIncomeValue
Mintos12,13%50,25€ 5.490,02€
Grupeer13,70%72,02€6.184,31€
Bondora11,62%10,16€1.082,42€
Robocash12,60%24,77€2.757,97€
TOTAL12,75%157,20€15.514,72€

May 2018

PlatformReturnIncomeValue
Mintos12,17%48,39€5.439,77€
Grupeer13,49%69,78€6.112,29€
Bondora11,55%10,89€1.072,26€
Robocash12,68%33,56€2.733,2€
TOTAL12,70%162,62€15.357,52€

April 2018

PlatformReturnIncomeValue
Mintos12,31%51,46€5.391,38€
Grupeer13,34%68,48€6.042,51€
Bondora11,36%9,99€1.061,37€
Robocash12,44%23,16€2.699,64€
TOTAL12,62%153,09€15.194,90€

March 2018

PlatformReturnIncomeValue
Mintos12,30%47,70€5.339,92€
Grupeer13,07%36,33€5.974,03€
Bondora11,22%10,47€1.051,38€
Robocash12,56%32,47€2.676,48€
TOTAL12,55%126,97€15.041,81€

February 2018

PlatformReturnIncomeValue
Mintos12,50%47,63€5.292,22€
Grupeer14,35%64,59€5.937,70€
Bondora10,94%6,78€1.040,91€
Robocash12,28%35,86€2.644,01€
TOTAL12,90%154,86€14.914,84€

January 2018

PlatformReturnIncomeValue
Mintos12,50%57,72€5.244,59€
Grupeer14,11%63,27€5.873,11€
Bondora11,45%3,65€1.034,13€
Robocash11,84%36,91€3.683,15€
TOTAL12,69%161,55€15.834,98€

December 2017

PlatformReturnIncomeValue
Mintos12,13%71,24€5.186,87€
Grupeer14,31%64,13€5.809,84€
Bondora14,30%18,95€1.030,48€
Robocash11,71%28,58€3.646,24€
TOTAL12,65%182,90€15.673,43€

November 2017

PlatformReturnIncomeValue
Mintos10,19%59,64€5.115,63€
Grupeer14,52%49,20€5.745,71€
Bondora8,55%6,42€1.011,53€
Robocash12,15%49,2€3.617,66€
TOTAL11,85%
164,46€15.490,53€

October 2017

PlatformReturnIncomeValue
Mintos7,53%54,69€5.055,99€
Grupeer19,91%23,35€5.696,51€
Bondora9,26%5,11€1.005,11€
Robocash10,59%75,3€3.568,46€
TOTAL10,73%
158,45€
15.326,07€

September 2017

PlatformReturnIncomeValue
Mintos0,38%1,30€5.001,30€
Grupeer27,14%33,16€2.033,16€
Robocash6,76%33,16€7.133,16€
TOTAL7,09%
67,62€
14.167,62€

4 Comments

  1. Hello Marius, thank you for your wonderful information. May I ask, what kind of plugin are you using for that amazing charts?

    1. Hi Paul,

      Thank you for your kind words! I really appreciate that 🙂

      I am using Echarts – https://echarts.apache.org/examples/en/index.html Unfortunately, is not very straightforward to use it. The current solution I have is maybe a little bit cumbersome and not very happy about it, but it works. Will probably change things around when I get more time.

      Is not a plugin, but rather a custom solution. If you want more details, feel free to send me a message using the contact form, and I can provide you all the info you want.

      Best,
      Marius

    1. Hello Ulf,

      That’s a good question. The value I report on this page is the value I calculate myself using XIRR. The platform itself reports 10.48%.

      The low value is due to the fact that I have some aggressive Auto Invest settings and from time to time I experience cash drag. I don’t invest in all loan originators. Mainly I am trying to stick to companies within Aventus Group from countries like Lithuania, Poland, Czech Republic. Recently I’ve added Ukraine, which should boost a little bit my returns.

      Check out this review from here https://explorep2p.com/peerberry-review/ and looks like they will publish something additional soon.

      Best,
      Marius

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