Portfolio Overview: February 2016 (#3)

February I will celebrate 3y since my first investments at p2p platform. 3 years ago I did first deposit to Bondora (former Isepankur).  And March I will pass 12 month since my first investments at BTC based p2p lending platform (BTCJAM).

3 years ago I had normal standard working place with notebook, relatively good sleep and 90% of time doing my ordinary job. Today my working place looks like this,

and I use 2 ultra-wide monitors, I spend 80% of time closed to p2p or cryptos and have short nights with immediate connection for bitcoinwisdom after wake-up 🙂

Lets look on my return and understand, is there any reason in life like mine 🙂

EURO investments

Platform	XIRR	Change from Prev Month	Risk Adjusted XIRR	Change from Prev Month
Bondora	23.3 %	+0.6 %	5.9 %	-0.8 %
in that, Bondora “Safe Portfolio”	27,6 %	-0.1%	14.8 %	-4.7%
Omaraha	18.6 %	0%	15,0 %	-1 %
FellowFinance	72.3%	+53.8%	32.7 %	+23.8%
TWINO	new platform	—	—	—

* 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 loan

COMMENTS on Euro based investments

Bondora.  After longer investigations I will lower my portfolio at Bondora again.  I plan to leave at Bondora about 5-10% of my initial investments. I have almost finished special post that explains reasons behind  of my decision.

Omaraha.  My return have decreased a bit. I think it is driven by the following two reasons:

• In January I increased  again a bit (by 25%) my my portfolio and not all money are still employed;
• I had relatively big increase of portfolio in December and that lead to almost double of overdue loans.

I do not plan to add more money to Omaraha (mainly because lack of Secondary Market), and will wait next month, to see what will be status of overdue payments. Till now I am fine with return from Omaraha, having in mind that I don’t spend more than 10 minutes week to look over my portfolio.

FellowFinance.  I wish to have 25-35% return from this platform and my real return is coming closer to my expectations. FellowFinance have announced an expansion to of Swedish and Polish market, but I do not see any new loans from that countries. I don’t plan to add new deposit to this platform at this moment. My observations – platform is still a bit slow and interest of best loans decreased. As example,few month ago 4 stars rated loan had 28% interest, now such loan is coming with 19% or lower interest. From other side FellowFinance have good secondary market and I will be very really happy if my return will stay like it is today.

Twino. I was looking for an alternative of Bondora with possibility of fast exit. I got recommendation to test Twino.eu. After I did deposit and created my autoinvestment plan, my money where employed in less than 5 minutes. I was impressed by amount of loans (over 2000 loans) and I like bayback guarantee. I plan to get over 12% return and I am adding more money into Twino platform. I had several questions and all of them were answered in less than minute via Skype support. Nice! 🙂

Investments in crypro currencies and projects

My return:

Platform	XIRR	Risk Adjusted XIRR	Change from Prev Month	XIRR in Euro
BTCPOP	28.4%	-30.6 %	+26.5%
Loanbase	-8.7 %	-8.7 %	+ 26.1%
BTCJAM		-3.3 %	+15.9 %	+29.8 %(+10.2%)
“Safe portfolio” at BTCJAM		+27.1%	+11.2%	+47.8%(+17.8%)
Secureae(NXT)		+27.1 %	-2.9%	-75 % (-11% from last month)
SCRT coins	+192 %	22.5 %	+32%

*** 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 in Euro	Used BTC Price
TOTAL INVESTMENTS into crypto projects		-31.2 %(+9.2%)	+14.7%	377$*0.95 (5% discount)

COMMENTS

There was nothing very special during January. I continue to restore from bad loans at BTCPOP and Loanbase. I plan overview of my investment portfolio at BTCJAM. March 14th will be exactly one year since my first investment there.

Secureae announced end of life, and now I am using mynxt.info. Not so flexible, but possible to do main buy/sell/monitor my NXT assets.

I had thinking to start investments at Bitbond. I like how site is working. I like presentation of interesting information about p2p lending at Bitbond site. I postponed a bit start of my investments there until better price of BTC. As well I need to investigate more a possible return at Bitbond, since APR of their loans is lover compare with BTCJAM/Loanbase and rate of defaults is quite high.

Ah. Ok, one may be important thing – I have decided that return in Euro is main indicator to take care, even I invest in crypto currencies.

Thank you for your reading! I will be very glad for your feedbacks and evaluations. That is something, what helps and motivate me to write more interesting and often 🙂