Pulling out of P2P Investing after 9 months

When I started this blog I had the goal to document my journey to financial independence and generally have a place where I can talk about money and finances. We’re 9 months later and face total profits of 2114 EUR vs. losses of 8720 EUR (including Grupeer which still has a chance to recover).

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Portfolio Update August 2020

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Welcome to the Portfolio update of August 2020. 35k CHF Income and 19k CHF savings. Yay. And I passed my boat exam 😀

Let’s see how the the P2P Portfolio performed.

Updated: 05.08.2020 I found the missing 19k CHF net worth xD

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Portfolio Update July 2020

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Welcome to the Portfolio update of July 2020. -16k CHF Networth and a negative Savings Rate. Fuck x(

Let’s see how the the P2P Portfolio performed.

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Portfolio Update June 2020

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Welcome to the Portfolio update of June 2020. +11k CHF Networth and a Savings Rate of 50%. Awesome 😀

Let’s see how the the P2P Portfolio performed.

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Portfolio update May 2020

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Welcome to the Portfolio update of May 2020. A bit of recovery on all fronts, Net worth looks better again (partly because I adjusted the applied exchange rates for USD and EUR assets). And Savings Rate beyond 60% which is awesome as it was a regular income month.

Let’s see how the the P2P Portfolio performed.

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Portfolio update April 2020

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Welcome to the Portfolio update of April 2020. What a shitty month. Corona crisis in full motion. Me working from home since the 2nd of March and a Net Worth loss of 16k CHF.

Let’s see how the the P2P Portfolio performed.

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Portfolio update March 2020

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Welcome to the Portfolio update of March 2020. As usual we look at income and spending of the month and then at the P2P Portfolio value and changes.

Let’s see how the added 30k EUR to the P2P Portfolio performed.

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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.

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Portfolio update February 2020

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Welcome to the Portfolio update of February 2020. We first look at income and spending of the month and then at the P2P Portfolio value and changes.

As you might have guessed it from my previous post there is a negative surprise.

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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:

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