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,
Lets look on my return and understand, is there any reason in life like mine 🙂
|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 %|
* 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
|Platform||XIRR||Risk Adjusted XIRR||Change from Prev Month||XIRR
|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
|Used BTC Price|
|TOTAL INVESTMENTS into crypto projects||-31.2 %(+9.2%)
|+14.7%||377$*0.95 (5% discount)|
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 🙂