It’s time for my 49th monthly portfolio update, this time for November 2022.

As always, we’ll have a look at how each of my investments performed and any changes I made:

Peer to peer lending, where I added a new platform (Lande) to diversify my investments in the sector, ETFs, which continued their recovery and lastly my small portion of crypto, which sadly remains by far the worst performing part of my portfolio this year.

We’ll also be discussing all important events up to December 7th, 2022.

Please don’t forget that none of this is investment advice, just my personal opinion based on my own experience as an investor.


etf portfolio december 1st 2022
Our ETF portfolio balance on December 1st, 2022

Let’s start with ETFs, which resumed their recovery. As I announced in my October update, my wife and I were able to invest a big chunk of cash throughout November, which explains the big difference in value compared to one month ago.

Here’s how our main ETF, the accumulating Vanguard FTSE All-World (ISIN: IE00BK5BQT80, VWCE) has been performing:

  • +3,02% in November
  • -7,07% since the start of 2022

Additionally, we received a total of 96,9€ in dividends from our distributing xTrackers MSCI World ETF shares, which we purchased from 2017-2018, before making the switch to the FTSE All-World.

By the way, if you’re looking for the best low-cost broker in Europe, I recommend checking out Interactive Brokers.

I also published an in-depth comparison between Interactive Brokers and Degiro, so make sure you check that out if you haven’t seen it yet:

P2P Lending

Ok, let’s take a look at my investments in P2P lending, which I’ve also been growing lately.


mintos november 2022
  • Income (November 2022): 42,59€
  • IRR10,56%
  • Invested since: 27.09.2018

November was my best earning month since March on Mintos.

I deposited an extra 500€ due to the higher interest rates for some of its best rated lending companies.

Speaking of ratings, Mintos implemented a welcome change. Its risk scores are now more detailed, which should help with assessing the quality of the lending companies on the P2P marketplace.

And just as they announced, Mintos implemented its withholding tax reduction to 5% in November.

If you’re still seeing more than 5% after submitting the necessary information, try to re-submit the form with your tax details. That worked for me!

  • Sign up to Mintos via this link and invest 1.000€ or more before 31.12.2022, to get a €50 instant bonus and a 1% bonus on your average investment in the first 90 days.


  • Income (November 2022): 37,46€
  • IRR12,34%
  • Invested since: 11.10.2019

Let’s continue with Viainvest, where more and more of my funds that were previously in single loans or credit lines are being repaid and reinvested into asset backed securities.

As for the reduced 5% withholding tax for regulated platforms based in Latvia, it will be implemented on January 1st on Viainvest as well, which I’m looking forward to.

  • Get 1% cashback on your average daily investment balance on Viainvest within the first 90 days via my link


lendermarket november 2022
  • Income (November 2022): 22,75€
  • IRR14,89%
  • Invested since: 21.11.2019

Meanwhile, on Lendermarket my November income was below average. However, I expected this to happen, as my interest earnings were twice my average the month before.

Lendermarket is currently running a bonus campaign until January 3rd for both new and existing investors. Here are the details.

Personally, I’m planning to add some money to my account during this period, but only once the Creditstar Group repaid all pending payments on Mintos, as promised until the end of the year. I don’t support the notion of treating investors from other platforms like second class citizens.

  • Get 1% cashback on your investments on Lendermarket after 60 days by signing up via my link


robocash november 2022
  • Income (November 2022): 39,65€
  • IRR12,40%
  • Invested since: 19.01.2021

Next up is Robocash, where I had my second best month so far, with close to 40€ in earnings.

I added 100€ to my account at the start of November, as I remain very happy with the platform.

  • Sign up using this link, to get 1% cashback on all of your Robocash investments after 30 days.


income november 2022
  • Income (November 2022): 27,31€
  • IRR11,21%
  • Invested since: 17.03.2022

As you can see, I have about 444€ that aren’t currently invested on Income Marketplace, as I stopped my auto invest for now.

As I reported last month, Income recently suspended ClickCash from its marketplace, as they were behind on their payments. I’ve been following this situation closely ever since.

Apparently, ClickCash wasn’t keeping the loan pledges at the agreed level of 159% and they’ve deteriorated relatively quickly.

Seems like Income needs to monitor the loan originators on its platform more closely, I mean what’s the point of security measures like the cashflow buffer and junior share if they can’t be enforced right away and if they end up being worth less than expected?

This is especially important since the loan originators on Income aren’t of the highest quality when just looking at their financial statements. As a result, the marketplace now needs to show that its security features work to protect investors and to achieve full recoveries within a short amount of time.

The only good news is that according to their last update, ClickCash will make repayments on a bi-monthly basis starting this week and I’m hoping that this will be resolved soon.

I’ll restart my auto invest as soon as I see some of those payments.

  • Get a 1% bonus on your average investment balance on Income after 30 days using this link.


esketit november 2022
  • Income (November 2022): 43,86€
  • IRR14,14%
  • Invested since: 19.09.2022

As for Esketit, I earned a record 44€, with almost 30€ coming from interest payments and the rest from my 1% investment bonus.

I added another 500€ to my account in the end of November, making it one of my top platforms in the p2p lending space.

  • Get a 1% bonus on all of your investments on Esketit within the first 90 days via my link.

Lande – Why I added this platform


Now, as I announced at the start of this post, I added a new platform to my portfolio in November:

Lande (previously known as LendSecured), which offers investments into loans in the agricultural sector, with interest rates up to 13% per year.

All of the loans are secured by assets. Most commonly by land, machinery, grain or livestock in addition to personal guarantees. Not only that, the loan-to-value ratio is usually quite a bit lower when comparing it to real-estate loans on EstateGuru for example.

The collection process, in case a borrower doesn’t fully repay his loan, has also worked very well since 2019, with investors receiving both principal and interest payments in full for the entire period, even for the delay.

Right now, there are only 2 loans in the default stage, which Lande is currently enforcing in court.

Lande also has a secondary market, which comes without fees, so that you can sell your loan to other investors if you need access to your funds before the end of the loan term. And even if you sell it, you’re still entitled to interest for your entire holding period once it gets repaid.

As for the investment process itself, luckily Lande provides an auto invest, which enables you to automatically invest into newly published loans, with a minimum of 50€ per loan.

However, similar to how I think it is set up with EstateGuru, you’re only able to add additional filters via the advanced auto invest, with a minimum investment of 250€ per loan.

As a result, I’ll probably just be using the basic auto invest for future investments and I invested into 15 loans manually.

lande december 7th 2022
My Lande account

I deposited and invested a total of 2.500€ on Lande from mid to late November.

Right after placing my investments, I received a total of 32,67€ in bonus payments – basically 1% of the invested amount, which you can also get during the first 180 days via my link, plus an extra bonus for two investments above 500€ each.

One more thing you should know is that deposits to Lande via its French partner bank LemonWay can take a few days, at least the first one. My second deposit sent via Revolut arrived the next day.

Ultimately, I wanted to diversify my P2P investments into more asset-backed loans and I think Lande is a great option to do that.

  • Get a 1% bonus on all of your investments on Lande within the first 180 days via my link.

Withdrawal in Progress – Iuvo, Crowdestor, Bondster

P2P Lending Income November

Lande (new!)Active32,17€*39,54%*2.532€
Iuvo GroupLeaving9,39€10,98%1.556€
*Only based on the initial investment bonus so far; **sold a loan at a discount

I earned a total of 276,31€ from P2P lending in November.

According to Portfolio Performance, which I use to track my investments, that’s a monthly return of 0,74% and an internal rate of return of 8,88% from P2P lending this year.

Bitcoin & Ethereum

ethereum and bitcoin

Ok, let’s end this post with by far the worst performing part of my portfolio this year. My highly speculative investments in Bitcoin and Ethereum.

After what happened at the start of November with FTX, it’s not looking good at the moment:


  • -21% in November
  • -60% so far in 2022


  • -24% in November
  • -63% so far in 2022

Yeah that’s not pretty to look at.

Then again, I’m glad that I realized some profits last year when prices were a lot higher and now you can see why I capped this part at 10% of my investments.

I remain bullish about this high high risk asset class, but it still sucks to see these performing so badly.

Anyway, that’s it for my investments in November!

What do you think? Do you have any experience with my newest addition, Lande? I’d love to know in the comments!


Valuable Resources

  • My Investment Tools
    A list containing all my investments in P2P Lending, the brokerage accounts I use to buy ETFs, my speculative investments in Bitcoin and my free bank accounts. It even includes the tools I use for blogging and YouTube.
  • P2P Bonus Offers
    A collection of all the best, currently available bonus and cashback offers in the P2P lending space. Regularly updated.

Disclaimer: Investing involves risks of losses. You should always do your own research before investing into anything. Also, some of the links are affiliate links, which help support me, the website & YouTube channel. I only link to services I use myself, none of them are sponsored.

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