Portfolio Update - My Investments in 2021 (July)

Let’s have a look at how my investment portfolio performed in July 2021.

As usual, I’ll be covering all my investments: P2P lending, stocks in the form of ETFs and my small position in crypto. You’ll see how everything performed, if I made any changes and we’ll discuss noteworthy events all the way up to August 20th.

Please don’t forget that none of this is investment advice, just my personal opinion based on my own experience as a 31-year old investor.

Alright, let’s start with my investments in stocks in the form of ETFs, making up around 60% of my portfolio:

ETFs

I haven’t changed my very simple ETF strategy.

I just buy a single low-cost exchange traded fund, the I just buy a single low-cost exchange traded fund, the accumulating Vanguard FTSE All-World (ISIN: IE00BK5BQT80, Ticker: VWCE) at the beginning of every month. It allows me to easily diversify my investment over more than 3.600 companies from the entire world.

My wife and I also own some xTrackers MSCI World ETF shares, from all the way back in 2017. This ETF normally only pays out dividends once a year, which it already did.

Yet, for some reason, it distributed more dividends in July. This means we received an additional 84,94€ in dividends, bringing our yearly total up to 911,75€ so far.

Here’s how our ETF performed:

+0,54% in July
+16,59% since the beginning of 2021

There is no way I could have predicted such a strong performance in 2021, this is definitely out of the ordinary.

Just remember to treat ETFs as a long-term investment (so 5-10 years or more), we will see periods with corrections and negative returns as well.

Also, make sure you check out my recent video where I specifically talk about accumulating vs. distributing ETFs. I had a lot of fun recording it, especially the part in the middle, where I compared two investors. I know it’s hard to tell, but both those people are actually me. I know, crazy right?

Anyway, the choice is not as easy as you may think, and you might come to a different conclusion for your long-term investments after watching it.

If you’re still looking for an excellent, low-cost broker to buy ETFs, Degiro is currently running a 50€ promotion if you sign up via my link and activate your account until September 30th, 2021.

If you do that, Degiro will refund up to 50€ of your transaction fees until November 1st, 2021.

The offer is valid until the 30^th of September 2021.

– During the offer period, new clients who have activated an account will receive a refund of transaction fees up to €50.

– The transaction fees refund up to €50 is valid until the 1^st of November 2021.

– The transaction fees you have spent (up to a maximum of € 50) will be refunded to your DEGIRO account in early November.

– This offer is only valid for new clients

– To be eligible for this offer, the new client needs to make a first deposit to identify and activate his DEGIRO account.

– New clients who started their registration before the offer period, but activate their DEGIRO account during the offer period, are also eligible for this offer.

– If an existing account is already linked to the address of the new client, participation is excluded.

– Each new client can claim the €50 transaction credit only once.

Participation

Participation in the offer is open to all clients who have activated an account at DEGIRO until the 30^th of September 2021.

If you’re based in Austria or Germany, where ETF taxation is a bit more complicated, make sure you check out all of my favorite low-cost brokerage accounts here:

The Brokers I use to buy ETFs

P2P Lending

Ok, let’s talk about my investments in P2P lending.

Here is my platform allocation on the 1st of August:

I’m still planning to reduce Crowdestor and to move some of that money over to other platforms.

Let’s see how each platform did individually:

Mintos

Income (July 2021): 49,20€
IRR: 12,00%
Invested since: 27.09.2018

My funds in recovery remained the same on Mintos. The platform also added several new loan originators, something they didn’t do in a while.

Mintos Is Now Officially Regulated!

However, they announced some fantastic news on August 19th. Mintos is now officially licensed as a European investment firm and electronic money institution!

We’ll go into more detail about what all of this means in a separate post soon. Until then, you can check out the AMA Mintos hosted two days ago on YouTube, where they answer questions regarding the new regulation.

Crowdestor

Income (July 2021): 26,70€
IRR: 9,08%
Invested since: 03.04.2019

Crowdestor introduced Crowdestor Flex last month, offering investors to earn a fixed 12% interest rate, while being able to withdraw money at any time.

To me that sounds a bit too good to be true, so I won’t be using it until they improve their track record by recovering money from all the loans that are late in my portfolio. Until that happens, I’ll keep withdrawing money from my account.

27 out of 40 loans in my account are currently late.

Lendermarket

Income (July 2021): 32,17€
IRR: 14,40%
Invested since: 21.11.2019

Creditstar, the group of lending companies offering all the loans on Lendermarket published its interim report for Q2 2021. According to the financial report, the loan originator earned a net profit of over 2 million euros last quarter, which is great to see.

That being said, they still need to publish their audited financial statements for 2020, I’m hoping those will be done soon.

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

Viainvest

Income (July 2021): 22,78€
IRR: 12,16%
Invested since: 11.10.2019

Viainvest announced some great news on August 10th.

Just like Mintos, they will also become a regulated platform, as they will also be getting an international brokerage firm license in a few months!

Get a 10€ signup bonus on Viainvest via my link.

Iuvo Group

Income (July 2021): 20,79€
IRR: 12,90%
Invested since: 05.10.2018

Robocash

Income (July 2021): 26,82€
IRR: 12,62%
Invested since: 19.01.2021

Bondora Go & Grow

bondora go and grow july 2021 — Get a **5€ bonus** on Bondora when you sign up via my link and invest 10€ or more.

Income (July 2021): 7,01€
IRR (incl. withdrawals): 6,68%
Invested since: 01.09.2018

EstateGuru

Income (July 2021): 11,21€
IRR: 8,04%
Invested since: 12.10.2020

EvoEstate

I’m happy to share that one my three real-estate backed loans on EvoEstate was fully paid back in July!

Income (July 2021): 73,34€
Invested since: 03.02.2020
IRR: 7,55%

evoestate repayment — Get **0,5% cashback** for 6 months on your EvoEstate investments via my link

My Income From P2P Lending in July

Platform	Income	IRR	Invested	Value
Mintos	49,20€	12,00%	5.409€	7.730€
Crowdestor	26,70€	9,08%	5.398€	6.454€
Lendermarket	32,17€	14,40%	2.013€	2.685€
Viainvest	22,78€	12,16%	2.177€	2.647€
Iuvo Group	20,79€	12,90%	1.562€	2.619€
Robocash	26,82€	12,62%	2.500€	2.650€
Bondora Go&Grow	7,01€	6,68%	900€	1.268€
EvoEstate	73,34€	7,55%	730€	807€
EstateGuru	11,21€	8,04%	500€	532€
Mintos I&A	0,26€	10,03%	0€	59€
Total	270,28€		21.189€	27.451€

I earned a total of 270,28€ in interest from P2P lending in July. That means July was my best month since January, with a 0,99% return on investment from P2P lending for the month.

Let’s get to the last, most speculative part of my portfolio. I’m of course talking about my investments in the two crypto assets Bitcoin and Ethereum.

Bitcoin & Ethereum

Since this part of my portfolio carries the most risk, I try not to have more than a 10% allocation to this sector.

Remember last month, when everyone was feeling fearful? Well, just like that, things seem to have changed. The market sentiment has once again turned bullish and now people started making crazy price predictions again.

Here’s how my two investments performed:

Bitcoin:

+21% in July
+48% since the start of the year

Ethereum:

+17% in July
+270% since the start of 2021

So even after the sudden price drops at the end of May, this sector is not doing too badly so far this year.

Please remember that these are highly volatile, unpredictable investments, so never invest money you can’t afford to lose.

My favorite exchanges to buy Crypto

Alright guys, that’s it for my investments in July!

I hope you’re having an amazing summer.

You might enjoy these posts:

My Investments in 2021 (July) – The Video

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.

2 Comments

Petr says:

September 13, 2021 at 22:13

Hi Angelo, in your previous articles you were always mentioning your “[…] monthly ‘passive’ income goal, which is 1.500€/month”. As far as I understand neither the accumulated ETF nor crypto generate passive income. And you said you won’t invest in the distributing ETF. Does this mean that you want to get 1.500€/month only from P2P? Do I understand correctly? Or have your goal changed?
Thank you!

1. Angelo says:
  
  September 21, 2021 at 20:03
  
  Hi Petr, my strategy changed a bit in the beginning of this year, after I did some thinking. It has to do with taxes as well. You can find more details here: https://p2pinvesting.eu/my-investments-in-january-2021/#my-new-asset-allocation
  My goal is still financial independence, I’m just hoping to grow my investment stash a bit faster this way!

Portfolio Update – My Investments in 2021 (July)