Category: FIRE

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Post series: Technical Reviews

As previously announced I will start a post series with a technical review/analysis of the different platforms. You will be able to find them at the Technical Reviews page.

This is the list of the areas I will look into:

  • Bad Press: do other bloggers write negatively about the platform?
  • Owners/Team public: are the owners or the people working at a platform discoverable?
  • Company records: does the company have publicly available records in a business register or similar?
  • Technological Analysis
    • Webhoster: Is the page hosted on a known cloud or by some other company?
    • DNS Records: Are the DNS records public and pointing to the same registered address?
    • Available in origin country: Is the platform available for local investors?
  • Verdict: Given the information I found, is the platform likely to be a fraud/scam?
Continue reading “Post series: Technical Reviews”
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Second round: Investing another 30k EUR in different P2P Lending platforms

After creating my P2P portfolio with 30k EUR in the beginning of January, it’s time to document the second round.

This time around I invested 29.7k EUR (or 31.7k CHF thanks to the free conversion fees from Revolut) in 11 platforms which I personally think have a higher chance of being legit. After loosing 2 000 EUR with the sudden disappearance of Envestio I selected the platforms a bit more carefully.

Continue reading “Second round: Investing another 30k EUR in different P2P Lending platforms”
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Envestio vanished – Wisefund next?

So it looks like the collapse of Kuetzal triggered some kind of Bank run. The Envestio website is currently not reachable. After some very unprofessional Twitter duelling with a apparent industry insider RPeerDuck (Twitter profile deleted now due to death threats). Are my 2’006 € from Envestio gone then? Very likely. I have yet to filed a Police report with the Estonian Police.

The last message posted on Tuesday the 21st of January 2020 from Envestio :

Continue reading “Envestio vanished – Wisefund next?”
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Investing 30k EUR in different P2P Lending platforms

The plan was set in stone in December. To invest 30k 28k EUR in different P2P Lending platforms at the beginning of January.

But let’s rewind to the week of Christmas. I proactively started signing up with the 15 different P2P lending/investing platforms on Monday 23rd of December and continued on Tuesday 24th of December.

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Starting my P2P Portfolio – But how?

I analysed the performance of 6 different EU P2P investing blogs to figure out which platforms offer the highest returns. However historic performance is never an indicator for future performance.

So remember my investment strategy/policy? No? Check it out in the About page.

Let’s get right to the point, I will have ~30k CHF available to invest on 1st of January and another 30k CHF by the end of January. So my portfolio should be around 60k CHF/EUR at the beginning of February 2020.

Analysis

Let’s check out the XIRR of the 6 best performing EU P2P investing blogs:

Continue reading “Starting my P2P Portfolio – But how?”
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