Good buy, Winter! Time to make new overview of portfolio.
February was a difficult month. I realised how is impossible to deal with too big number of platforms. In next month I will try to select one main platform and two-three alternatives with an autoinvest options. Hope that will help me to achieve better results.
Traditionally I start with an overview of investments in Euro.
|Platform||XIRR||Change from Prev Month||Risk Adjusted XIRR||Change from Prev Month|
|Bondora||23.1 %||-0.2 %||6.7 %||+0.8 %|
|in that, Bondora “Safe Portfolio”||27,8 %||+0.2%||17.1 %||+2.3%|
|Omaraha||19 %||0.4%||15,7 %||+0,7 %|
* 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. This month several interesting changes – Bondora started to communicate with investors (at Bondora fellows group in Facebook) and Bondora implemented several new features to simplify management of investments. Due to changes at TWINO, I withdraw from Bondora only a bit. My risk adjusted return at Bondora went a bit up. I think this is result of my bigger activity on Secondary Market – I sold some of less profitable loans.
Omaraha. All stable and as expected. I am still happy.
FellowFinance. I did withdraw of nearly 30% of my money. Main reason – decreased interest rates and less active secondary market.
Twino. Surprise, but TWINO lowered interest rate. I am one month there but got two changes in that short time-frame . I do not see possibility to get bigger than 10.5% return on this platform, therefore I am doing withdraw.
This month I think to look on Mintos and I will postpone withdraw from Bondora to see where it is going.
Investments in crypro currencies and projects
|Platform||XIRR||Risk Adjusted XIRR||Change from Prev Month||XIRR
|BTCJAM||2 %||+5.2 %||+43.6 % (+13.8%)|
|“Safe portfolio” at BTCJAM||+23.6%||-3.4%||+53.2%(+10.2%)|
|NXT coins and Assets||+25 %||-3%||-52 % (+7% from last month)|
|SCRT coins||+200 %||50 %||+37.5%|
|XYZ||+45 %||new platform||new platform||new platform|
*** 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||-35 %(-4%)
|+6%||390$*0.95 (5% discount)|
BTCPOP: Again, I did several bad investments. Additionally some of old borrowers not paid. That lowered my return. Most probably I do not have enough of time to monitor all discussions about suspicious borrower at BTCPOP. Therefore I am slowly lowering my investments there. BTCPOP is full of suspicious borrowers, suspicious groups of related borrowers and administration decided not to block them. I am thinking – big big mistake. BTCPOP is full of good features – IPO, Pool, nice community. But I stop there before problem with scammers will be solved or insurance will go to old level.
BTCJAM. All is quite ok. BTCJAM have changed some internal proceses and issuing much more of new loans. Unfortunately this does not mean I invest more. I fill many of new loans are too risky. But still I am getting enough amount of loans to reinvest my coins.
NXT and NXT Assets. Secureae stop functioning and NTX coin went to new absolute minimum. That does not allow me to get better return. I switched to mynxt.info but I see it have serious bugs. Now I use ‘Supernet lite client” to manage investments. Managing of NTX Assets requires time and concentration when result is unclear. I decided to lower my participation there.
SCRT coin. A bit risky but still my very profitable active. Coin is listed at Yobit and Bittrex. SCRT returned to price level over 2Ksat and updated maximum price to 2.5Ksat. Coin survived few dumps. TeamSecret got an investment form venture capital. They have registered a real legal company with several employees. I still collecting more of SCRT and plan future increase of price. in my opinion all prices below 3ksat are low.
Ok, and about my last founding. XYZ p2p platform provides a bit different approach to p2p lending. It is working in beta mode, therefore I do not like to post links. I hope it will be possible to do next month.
Thank you for your reading! I will be very glad for your feedbacks and evaluations. Such writing is not so simple like it looks 🙂
p.s. One interesting and sad founding that explain how risky BTC word is (or how bad investor I am 🙂 ) . I have counter that if I simply buy BTC all last year and simply store them, I was able to have today +30-40BTC more than I have. That is more than 10K Eur by today’s price. Hope you will do better!