I plan to publish regular periodic overview of return on my portfolio.
Counting investments we have good and bad days and we have real and pseudo heroes. I see today as black day and you may note example of “pseudo good” investor. Such guy must be simply removed from your “following” lists 🙂 That’s me
|Platform||XIRR||Change from Prev Month||Risk Adjusted XIRR||Change from Prev Month|
|Bondora||22,8 %||-3,0 %||6,1 %||-0,7 %|
|in that, Bondora “Safe Portfolio”||27,3 %||n/a||17,8 %||n/a|
|Omaraha||19,2 %||n/a||16,1 %||+0,1 %|
|FellowFinance||32,1 %||n/a||32,1 %||n/a|
* XIRR – Return of investments calculated by me, not by platform. Deposited, but not invested money makes negative impact to XIRR
** Risk Adjusted XIRR – XIRR after write off part of overdue and defaulted loans
COMMENTS on Euro based investments
Bondora continue to stay my biggest p2p investment platform. Result of my investments changed from negative (at the beginning of this year) to positive. I am lowering my portfolio at Bondora as I am not sure about impact of future changes on my ability to get better result. I am not sure about their future plans. I do not feel that they treat investors in equal, transparent and, very important, in consistent way.
Bondora show my net return over 28%. I calculate my risk adjusted return as 6%. However, you may see that risk adjusted return from “Safe Portfolio” is over 17% (34% by Bondora). “Safe Portfolio” is investment of my colleague, who was using my recommendations and was investing in specific subset of loans (mainly Estonian loans).
I did post about my experience at Omaraha quite recently (there)
I just started at Fellow Finance who is p2p lending platform from Finland. I have very small portfolio and use very specific strategy. Too early to say about long term result, but counting my current ROI I plan to add more money there. (If you are interested to get referral link to Fellow Finance, please let me know via comments. p.s. I will not publish your personal information)
Investments in crypro currencies and projects
|Platform||XIRR||Risk Adjusted XIRR||Change from Prev Month||XIRR
|BTCPOP||24.9 %||-57.1 %||-19.8 %|
|Loanbase||-97.0 %||-97.0 %||-87.97%|
|BTCJAM||-10.3 %||-12.9 %||11.0 %|
|“Safe portfolio” at BTCJAM||19.0 %||32.4 %|
|Secureae(NXT)||33.8 %||-75.7 %|
|SCRT coins||15178.5 %||349.3 %|
*** XIRR in Euro – XIRR when deposits counted in Euro and price of BTC today =[CurrentBTCPrice+ AveragePriceWhatIBoughtBTC]/2
|Risk Adjusted XIRR in BTC||Risk Adjusted XIRR
|Used BTC Price|
|TOTAL INVESTMENTS into crypto projects||-55.8 %||17.8 %||350$*0.95 (5% discount)|
Let’s start from the last table with overall results. Result in Euro is positive, but negative return in BTC (-55%) is telling -“this guy is a bad investor. He is simply lucky that price of BTC went up so much” And that is probably truth. Since my start (March 2015) in BTC businesses, I lost 2digit amounts in Scryptcc. I lost 2digit amount doing personal loan to one borrower. I am not very happy from my results in p2p platforms. The only hope, that this expensive story of bad decisions will allow me to avoid new mistakes.
Now about investments in particular projects.
I did post about my experience at BTCPOP few days ago (there). Not many changes. I got 15BTC loan at BTCPOP few days ago. This is main reason why my XIRR went down – borrowed but not used yet money are making negative return. Since last week I fund less risky loans and I fund less of currency-tied loans. I hope to get some insurance payments in December and hope to show you better result next month.
Loanbase. I have just 1BTC portfolio at Loanbase. At the very beginning I did 0.25BTC investment to very bad guy. Also tied loans give me negative profit. Bad result is pure mine mistake. Result is becoming better each month. I hope in next few month it will turn into positive. Loanbase announced collection services, so, I will add 1-2 BTC to continue test of that platform.
BTCJAM is my main BTC based p2p lending platform. Before rapid increase of BTC price in November I was very happy with my results. Now I found that I am
almost loosing and main loses are on currency-tied loans. From now I am trying to do less risky strategy and I try to avoid most of tied loans. Based on my recommendations my wife invest at BTCJAM into what I name “Safe portfolio”. Her results are much better compare with mine and her strategy is something I plan to use. Result of my NAR and NAR of my wife below
Securetae described there. I hope that return in Euro will do much much better with grow of NXT (when price of BTC stabilize or will go down).
Last, but definitely not least – SecretCoins (SCRT). Something what made me really happy and I think will make me even more happy. I bought first SCRT at 40-80-120SAT. Now price of coin is 1500SAT (with low around 1300 and high around 2250SAT). I think that fair price of SCRT is over 5000SAT. Project is growing, there are plans to launch coin at BITTREX and/or Poloniex, coin is included in traders reviews. I know that there will not be 30x time grow, but I hope to see 2x-3x time grow of SCRT price in future. I feel it is safe to invest up to 1-2BTC into this promising coin.
That is short overview of my portfolio at the beginning of December. I will be glad to see your votes, comments or a questions. If you are interested to get notifications about new posts, please subscribe to my newsletter. Both actions will motivate me to continue that work.
Thank you for reading and wish you nice Winter and good investments!