Portfolio overview 2018 Dec #18

I got only few reactions to my posts, got some concerns about personal information and therefore  I was quite silent during  whole 2018 year. Today I like to share status of my investments.

Investments in Euro (fiat currencies) Continue reading Portfolio overview 2018 Dec #18


Compare projects: Return monitoring

I would like to share my methods for measuring return from different investments. Previous post on the same topic was oriented on p2p lending. Today I like to simplyfy explanation using examples from crypto.

Disclaimer: that is not an investment advise. All mentioned numbers are used only for an illustration. Do your own research and never invest into new initiatives more than you can afford to lose.

Lets start from something simple. Staking  and masternodes are new hot topic. Last month I got interests in 4 new projects. I have tried to evaluate Team, Community, Plans, Idea, Initial setup, Price movements, hidden rumours and players. When I do full analysis, I wish to understand profitability of possible investment, too.

Continue reading Compare projects: Return monitoring


Portfolio overview October 2017 (#17)

After longer break I decided to post short update about my investments.


Investments in Euro (fiat currencies)

17 09 fiat

Bondora.  My return at Bondora stay quite stable. That is below my planned 15% return, but it is quite stable now. I am not lowering portfolio, but possible I will add more into Bondora if I will have some free euros.  There are 3 reasons First, Bondora claim they become profitable. Second, I know that in case of urgent need I will be able to withdraw from Bondora 5-10% of my portfolio withing 2-3 days without selling loans in minus. Third, my work at Bondora is quite automated now and profitability quite stable.

I do not like to advertise Bondora, but if you like to be mainly passive investor and happy with 8-12% return and if you you like to try Bondora and support my blog, please join Bondora using this link: https://www.bondora.com/ref/Andrej

Omaraha. All is very ok. Still – no work needed. Again my return went a bit up.  Regulator have introduced maximum interest rate in Estonia. If you invest on Omaraha, you need to check your investment terms and make maximum interest as 35%

TWINO. My return went down to 11,7%. I do not withdraw money, but I will definitely not add any  new when only such return is available with guaranteed loans.

Investments in BTC and crypto currencies

I do not place any table there. BTCJAM and Loanbase are in closing phase, my return on BTCPOP is below zero. Overall BTCPOP is  fine, but I have invested too much using feelings, not using brains.   125x125_static

If you like to try BTCPOP and support my blog, please join platform using this link or pressing on their banner right to this text. Thank you in advance! Sure if you join using my link, I will be happy to help you with funding and advise


Again, do not like to post any tables, but altcoin trading is positive. I was quite passive during the summer.

Consolidated return from crypto projects

Consolidated return in BTC is still negative (but is better than in May), risk weighted return in Euro is positive and XIRR is over 20% before taxes.

Wish you all nice investments, please, stay careful  and have a sucessfull end of 2017!


Portfolio overview January 2017 (#14)

Hello, dear Readers!

Wish you successful and happy 2017 year!

I was busy at the end of year, but found time to make screenshot of my portfolio. Bellow you can see my overview.
Continue reading Portfolio overview January 2017 (#14)


Look on defaults in my main BTCJAM portfolio. Oct 2016

Two month ago I did first look on defaults in my BTCJAM portfolio (BTCJAM: Very short about bad loans in my portfolio. Aug2016 . ). I made a promise  to look more precisely what are biggest problems. Now I put small infrastructure to collect history of loan and did few very first graphs.

Continue reading Look on defaults in my main BTCJAM portfolio. Oct 2016


BTCJAM: Very short about bad loans in my portfolio. Aug2016


very short post this time.

This post born because of two reasons. First, I see quite often posts about how bad is BtcJam and how “all loans there goes to default”. I even got a PM from strange teenager from Alaska, who told that ‘9 of 10 his loans went to default and more than 90% of people are losing money’. May be he had (have) bad luck, may be some personal issue, so I decided to check if it is really so bad. Second, I was very interested how my strategy correlates with changes in loan origination process at BtcJam. Continue reading BTCJAM: Very short about bad loans in my portfolio. Aug2016


Portfolio overview: August 2016 (#9)


I have been traveling and decided to change format of report to make tracking of performance more visible. Therefore I am a bit late with my overview. But it is ready now. Continue reading Portfolio overview: August 2016 (#9)