Last updated: May 1, 2020

Table of contents

Overview

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 5.419€
Total cashflow since start -3.576€
Monthly cashflow 38€
Annualized return since start -14,03%

Total cashflow and annualized return are negative due to losses in Bondora, Envestio and Grupeer.

Returns per platform XIRR
Mintos Sep, 2017 Details 11,96%
Crowdestor April, 2019 Details 11,52%
Peerberry April, 2019 Details 10,93%
EvoEstate Sep, 2019 Details 3,94%
Iuvo group Oct, 2019 Details 9,02%
Rendity Oct, 2019 3,94%
Trine Oct, 2019 4,48%

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

Platform allocation

Rollover or tap for more details

Portfolio value

The evolution of portfolio showing total value and interest over time. The yellow line represents the interest accumulated.

Rollover or tap for more details

Monthly cashflow

Here you can see the monthly cashflow generated by the entire P2P portfolio. The big deep in January and March 2020 is due to total loss of Envestio and Grupeer money.

Rollover or tap for more details

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.

Rollover or tap for more details

Old platforms

For transparency I think is important for everyone to understand what I've been doing in the past. Here is a list of platforms I was invested before, and now I am not.

PlatformPeriodInvestedGain/LossReturn
BondoraOct 2017 - Oct 20181000€-136,92€*-3,51%
RoboCashSep 2017 - Sep 20187100€394,82€12,41%
EnvestioFeb 2019 - Jan 2020700€-818,69€*-100%
Fast InvestOct 2019 - Jan 2020300€0€0%
SwaperOct 2019 - Jan 2020300€6,73€9,41%
GrupeerSep 2017 - Mar 20205740€-6.603,29€*-100%

*This amount also includes interest that was never withdrawn.

Bondora

I decided to leave Bondora since there were too many defaults and at some point it was clear to me that is extremely hard to generate positive cashflow. I left with a loss, but I considered it to be a lesson for me.

RoboCash

I mainly left due to severe cash drag from time to time. Also, I didn't appreciated the misleading return that the platform presented to me. Back then, as I was a newbie, I took it for granted. In retrospective, that was very foolish of me.

Envestio

I guess we all know what happened with Envestio. For those who don't, well, it was pretty much a scam, and I failed badly to see that. As it says, you learn the most from failures, and that is so true. I lost only 5% of my P2P portfolio, as I never felt fully comfortable with them.

Fast Invest

After the drama with Kuetzal and Envestio, and the many concerns about Fast Invest, I decided to leave the platform. I had around 300€ as I was trying them out.

Swaper

I left the platform mostly due to cash drag problems. Altough I started with a small about of 300€, my money were still sitting idle, so I decided to cash out and move on.

Grupeer

Big hit to my entire P2P portfolio. Most probably Grupeer is a scam and for now I decided to write off all the invested money.

The actual data

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

April 2020

PlatformReturnGain/LossValue
Crowdestor11,52%0,00€870,89€
EvoEstate3,94%1,20€453,28€
Iuvo Group9,02%7,33€866,20€
Mintos11,96%23,37€2.283,51€
Peerberry10,93%4,31€332,24€
Rendity3,94%0,00€510,59€
Trine4,48%2,22€102,22€
TOTAL-14.03%38,43€5.418,93€

March 2020

PlatformReturnGain/LossValue
Crowdestor12,86%4,61€870,89€
EvoEstate4,07%5,15€604,20€
Grupeer-100,00%-6.603,29€0,00€
Iuvo Group9,10%7,34€1.100,77€
Mintos12,00%31,36€3.418,64€
Peerberry10,38%3,00€327,93€
Rendity4,66%6,56€510,59€
Trine0,00%0,00€100,00€
TOTAL-14.58%-6.545,27€6.933,02€

February 2020

PlatformReturnGain/LossValue
Crowdestor13,70%9,90€866,28€
EvoEstate3,21%1,40€817,90€
Grupeer14,23%69,28€7.007,29€
Iuvo Group9,47%13,35€1.441,91€
Mintos12,02%29,72€3.387,28€
Peerberry10,27%2,94€324,93€
Rendity2,16%0,00€504,03€
Trine0,00%0,00€100,00€
TOTAL9.87%126,59€14.449,62€

January 2020

PlatformReturnGain/LossValue
Crowdestor13,45%8,69€856,38€
Envestio-100,00%-818,69€0,00€
EvoEstate3,45%5,46€816,50€
Fast Invest0,00%-5,48€0,00€
Grupeer14,27%70,12€7.245,01€
Iuvo Group8,99%10,91€1.640,90€
Mintos12,02%29,47€3.357,56€
Peerberry10,07%2,90€321,99€
Rendity2,75%0,00€504,03€
Swaper9,41%3,53€0,00€
Trine0,00%0,00€100,00€
TOTAL9.82%-693,09€14.842,37€

December 2019

PlatformReturnGain/LossValue
Crowdestor13,97%12,31€1.002,22€
Envestio15,75%11,23€818,69€
EvoEstate2,10%1,67€1.034,13€
Fast Invest9,47%3,00€305,48€
Grupeer14,35%72,44€7.174,89€
Iuvo Group9,33%10,54€1.629,99€
Mintos12,05%21,29€3.328,09€
Peerberry9,92%2,97€319,09€
Rendity3,88%4,03€504,03€
Swaper5,95%2,68€303,20€
Trine0,00%0,00€100,00€
TOTAL12.55%142,16€16.519,81€

November 2019

PlatformReturnGain/LossValue
Crowdestor13,54%5,66€989,91€
Envestio15,53%11,02€803,71€
EvoEstate2,24%2,46€1.017,46€
Fast Invest7,42%2,45€302,48€
Grupeer14,41%69,32€7.102,45€
Iuvo Group10,30%12,79€1.619,45€
Mintos12,18%30,57€3.306,80€
Peerberry9,66%3,07€316,12€
Rendity0,00%0,00€500,00€
Swaper1,77%0,52€300,52€
Trine0,00%0,00€100,00€
TOTAL12.63%137,86€16.358,90€

October 2019

PlatformReturnGain/LossValue
Crowdestor14,09%5,49€484,25€
Envestio15,20%10,71€788,84€
EvoEstate0,00%0,00€415,00€
Fast Invest0,30%0,03€300,03€
Grupeer14,48%70,99€7.033,13€
Iuvo Group10,64%6,66€1.606,66€
Mintos12,18%28,66€3.276,23€
Peerberry9,17%2,09€313,05€
Rendity0,00%0,00€500,00€
Swaper0,00%0,00€300,00€
Trine0,00%0,00€100,00€
TOTAL12.68%124,63€15.117,19€

September 2019

PlatformReturnGain/LossValue
Crowdestor14,05%5,49€478,76€
Envestio14,88%10,86€774,97€
EvoEstate0,00%0,00€415,00€
Grupeer14,55%76,41€6.962,14€
Mintos12,22%31,92€3.247,57€
Peerberry9,38%2,88€310,96€
TOTAL12.73%127,56€12.189,40€

August 2019

PlatformReturnGain/LossValue
Crowdestor13,83%5,49€473,27€
Envestio14,26%10,77€758,95€
Grupeer14,56%81,26€6.885,73€
Mintos12,21%31,71€3.215,65€
Peerberry8,72%3,05€308,08€
TOTAL12.69%132,28€11.641,68€

July 2019

PlatformReturnGain/LossValue
Crowdestor13,58%5,49€467,78€
Envestio13,48%9,34€748,18€
Grupeer14,58%80,46€7.304,47€
Mintos12,14%28,52€2.683,94€
Peerberry7,40%2,10€305,03€
TOTAL12.63%125,91€11.509,40€

June 2019

PlatformReturnGain/LossValue
Crowdestor13,07%9,31€462,29€
Envestio12,88%8,23€738,84€
Grupeer14,61%80,20€7.224,01€
Mintos12,11%24,49€2.655,42€
Peerberry6,78%1,61€302,93€
TOTAL12.58%123,84€11.383,49€

May 2019

PlatformReturnGain/LossValue
Crowdestor4,93%2,15€452,98€
Envestio12,35%9,66€730,21€
Grupeer14,62%82,72€7.143,81€
Mintos12,11%27,94€2.630,93€
Peerberry6,89%1,05€301,32€
TOTAL12.52%123,52€11.259,25€

April 2019

PlatformReturnGain/LossValue
Crowdestor3,14%0,83€400,83€
Envestio10,24%7,82€720,30€
Grupeer14,61%89,28€7.061,09€
Mintos12,08%25,97€2.602,99€
Peerberry3,45%0,27€100,27€
TOTAL12.46%124,17€10.885,48€

March 2019

PlatformReturnGain/LossValue
Envestio7,02%3,78€711,25€
Grupeer14,49%78,84€6.971,81€
Mintos12,05%22,37€2.577,02€
TOTAL12.35%104,99€10.260,08€

February 2019

PlatformReturnGain/LossValue
Envestio5,33%0,94€405,94€
Grupeer14,50%79,35€6.892,97€
Mintos12,09%23,38€2.554,65€
TOTAL12.33%103,67€9.853,56€

January 2019

PlatformReturnGain/LossValue
Grupeer14,39%84,09€6.723,62€
Mintos12,07%21,82€2.441,27€
TOTAL12.23%105,91€9.164,89€

December 2018

PlatformReturnGain/LossValue
Grupeer14,29%73,42€6.639,53€
Mintos12,10%21,05€2.419,45€
TOTAL12.13%94,47€9.058,98€

November 2018

PlatformReturnGain/LossValue
Grupeer14,31%75,29€6.566,11€
Mintos12,14%19,49€2.398,40€
TOTAL12.09%94,78€8.964,51€

October 2018

PlatformReturnGain/LossValue
Bondora-3,51%-2,50€0,00€
Grupeer14,25%84,48€6.490,82€
Mintos12,20%21,50€2.378,91€
TOTAL12.02%103,48€8.869,73€

September 2018

PlatformReturnGain/LossValue
Bondora-3,34%-134,42€967,50€
Grupeer14,04%73,94€6.406,34€
Mintos12,23%22,32€2.357,41€
RoboCash12,41%0,24€0,00€
TOTAL11.91%-37,92€9.731,25€

August 2018

PlatformReturnGain/LossValue
Bondora11,52%10,70€1.101,92€
Grupeer13,93%73,86€6.332,40€
Mintos12,23%37,65€2.335,09€
RoboCash12,42%8,71€177,22€
TOTAL12.84%130,92€9.946,63€

July 2018

PlatformReturnGain/LossValue
Bondora11,45%8,80€1.091,22€
Grupeer13,84%74,23€6.258,54€
Mintos12,04%49,42€5.529,44€
RoboCash12,28%12,90€648,10€
TOTAL12.68%145,35€13.527,30€

June 2018

PlatformReturnGain/LossValue
Bondora11,62%10,16€1.082,42€
Grupeer13,70%72,02€6.184,31€
Mintos12,13%50,25€5.490,02€
RoboCash12,60%24,77€2.757,97€
TOTAL12.75%157,20€15.514,72€

May 2018

PlatformReturnGain/LossValue
Bondora11,55%10,89€1.072,26€
Grupeer13,49%69,78€6.112,29€
Mintos12,17%48,39€5.439,77€
RoboCash12,68%33,56€2.733,20€
TOTAL12.7%162,62€15.357,52€

April 2018

PlatformReturnGain/LossValue
Bondora11,36%9,99€1.061,37€
Grupeer13,34%68,48€6.042,51€
Mintos12,31%51,46€5.391,38€
RoboCash12,44%23,16€2.699,64€
TOTAL12.62%153,09€15.194,90€

March 2018

PlatformReturnGain/LossValue
Bondora11,22%10,47€1.051,38€
Grupeer13,07%36,33€5.974,03€
Mintos12,30%47,70€5.339,92€
RoboCash12,56%32,47€2.676,48€
TOTAL12.55%126,97€15.041,81€

February 2018

PlatformReturnGain/LossValue
Bondora10,94%6,78€1.040,91€
Grupeer14,35%64,59€5.937,70€
Mintos12,50%47,63€5.292,22€
RoboCash12,28%35,86€2.644,01€
TOTAL12.9%154,86€14.914,84€

January 2018

PlatformReturnGain/LossValue
Bondora11,45%3,65€1.034,13€
Grupeer14,11%63,27€5.873,11€
Mintos12,50%57,72€5.244,59€
RoboCash11,84%36,91€3.683,15€
TOTAL12.69%161,55€15.834,98€

December 2017

PlatformReturnGain/LossValue
Bondora14,30%18,95€1.030,48€
Grupeer14,31%64,13€5.809,84€
Mintos12,13%71,24€5.186,87€
RoboCash11,71%28,58€3.646,24€
TOTAL12.65%182,90€15.673,43€

November 2017

PlatformReturnGain/LossValue
Bondora8,55%6,42€1.011,53€
Grupeer14,52%49,20€5.745,71€
Mintos10,19%59,64€5.115,63€
RoboCash12,15%49,20€3.617,66€
TOTAL11.85%164,46€15.490,53€

October 2017

PlatformReturnGain/LossValue
Bondora9,26%5,11€1.005,11€
Grupeer19,91%23,35€5.696,51€
Mintos7,53%54,69€5.055,99€
RoboCash10,59%75,30€3.568,46€
TOTAL10.73%158,45€15.326,07€

September 2017

PlatformReturnGain/LossValue
Grupeer27,14%33,16€2.033,16€
Mintos0,38%1,30€5.001,30€
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

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>