Portfolio Update – My Investments in 2021 (June)

I think it’s about time we finally have a look at how my investment portfolio performed in June 2021!

I have to admit, I’ve really been enjoying the great weather lately as well as being able to travel again, so please let me apologize for being late. I’m planning a lot more articles and videos in August, as well as a more regular, weekly schedule.

As usual, today I’ll be covering all my investments: P2P lending, stocks in the form of ETFs and my small bets in crypto.

You’ll see how everything performed last month, wether or not I made any changes and we’ll discuss noteworthy events all the way up to July 20th.

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

ETFs

Let’s start with my ETF investments, making up about 60% of my portfolio.

Last month I shared this position with you in a bit more detail, so if you’re curious about the actual numbers in Euros, you can find them here.

And if you’re new, my ETF investment strategy couldn’t be any easier.

I just buy a single low-cost exchange traded fund, the accumulating Vanguard FTSE All-World (ISIN: IE00BK5BQT80, Ticker: VWCE).

Via a single ETF, I’m able to diversify my investment over more than 3.500 companies from all over the world.

I only switched to the accumulating version in the beginning of this year to optimize my taxes, but I kept my existing shares of the distributing version of the same ETF. And those shares paid me a total of 350,97€ in dividends in the end of June!

That’s a total of 826,81€ in dividends in the second quarter of this year, not too bad.

Let’s have a look at how our ETF has been performing:

• +3,90% in June
• +15,96% since the beginning of 2021

You should know that part of the strong performance in June was also due to the Euro losing some value compared to the US dollar. But even in dollars, our ETF was still up a respectable 1,47% last month.

Just please remember to treat stocks in the form of ETFs as a long-term investment, your time horizon should be at least 5 years, ideally 10 years or more. Stock prices don’t only go up, we will also have months or even years with negative returns.

You can find links to my favorite low-cost brokerage accounts here:

• The Brokers I use to buy ETFs

And speaking of my favorite brokers, there are some great news:

Interactive Brokers Removed Inactivity Fees!

Interactive Brokers removed all inactivity fees on the 1st of July! Thank you Aivo for pointing that out to in the comments!

That means you can now directly sign up with them without the need to go through an introducing broker like CapTrader. If you’re already with CapTrader like me, don’t worry, you can always de-link your account later on, and become a “normal” Interactive Brokers customer.

Either way, the differences in trading fees between the two are quite small (IB is a bit cheaper), but it’s great that signing up directly to Interactive Brokers is now a cost-effective option as well, without monthly inactivity fees!

P2P Lending

Alright, let’s talk about the second largest asset class in my portfolio, P2P lending.

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

I would still like to reduce the size of Crowdestor, apart from that I’m happy with how my money is distributed.

Let’s see how each platform did individually.

Mintos

• Income (June 2021): 56,29€
• IRR: 12,12%
• Invested since: 27.09.2018

My funds in recovery did not move on Mintos last month.

However, they announced some exciting news. They expect to receive their investment firm license at the end of August! That means that Investors will be protected under the state-guaranteed investor protection system that safeguards up to €20.000 per investor.

We still have to find out exactly how and when this protection applies. So don’t get too excited just yet! Either way, I believe this step is a win for the P2P lending industry.

Crowdestor

• Income (June 2021): 47,45€
• IRR: 9,26%
• Invested since: 03.04.2019

I once again earned more on Crowdestor compared to the month before, which is good to see.

Nonetheless, 26 out of 40 loans are currently late and I want to reduce the size of this account, so I withdrew 188,60€ in June.

Lendermarket

• Income (June 2021): 32,54€
• IRR: 14,37%
• Invested since: 21.11.2019

My internal rate of return on Lendermarket keeps rising, so I have no reason to complain as an investor.

That being said, I’m still waiting for their audited financial statements for 2020, which should be published soon.

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

Viainvest

• Income (June 2021): 25,15€
• IRR: 12,24%
• Invested since: 11.10.2019

Viainvest added a large Spanish business loan to its platform in the end of June.

Since there is no difference in the interest rate (12% per year), I’ll personally stick to investing in short-term loans, installment loans and credit lines on the platform.

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

Iuvo Group

• Income (June 2021): 18,12€
• IRR: 12,97%
• Invested since: 05.10.2018

Some of you might be wondering why my earnings on Iuvo Group are lower compared to Lendermarket, Viainvest and Robocash, even though the size of my investment is basically the same.

Well, that’s because 428,62€ are still in recovery from CBC (previously KFP) loans, a Polish loan originator that defaulted last year. Iuvo is still in legal proceedings trying to get that money back and I’ll keep you updated on the progress.

Robocash

• Income (June 2021): 28,63€
• IRR: 12,59%
• Invested since: 19.01.2021

Everything is running smoothly on Robocash, as the platform is currently attracting a large number of new investors.

• Robocash Review: How Did I Miss This One?
• Use this link or the referral code advE to get 1% cashback on all your Robocash investments after 30 days.

Bondora Go & Grow

• Income (June 2021): 6,75€
• IRR (incl. withdrawals): 6,68%
• Invested since: 01.09.2018

EstateGuru

• Income (June 2021): 0€
• IRR: 5,83%
• Invested since: 12.10.2020

EvoEstate

• Invested since: 03.02.2020
• IRR: 0,46%

I didn’t earn anything on EvoEstate in June, but I’m happy to report that one of my real-estate loans was finally repaid on July 16th. I’ll share more details in next month’s update.

My Income From P2P Lending in June

Platform	Income	IRR	Invested	Value
Mintos	56,29€	12,12%	5.409€	7.681€
Crowdestor	47,45€	9,26%	5.398€	6.427€
Lendermarket	32,54€	14,37%	2.013€	2.653€
Viainvest	25,15€	12,24%	2.177€	2.624€
Iuvo Group	18,12€	12,97%	1.562€	2.598€
Robocash	28,63€	12,59%	2.500€	2.623€
Bondora Go&Grow	6,75€	6,68%	900€	1.261€
EvoEstate	0€	0,34%	730€	733€
EstateGuru	0,93€	5,83%	500€	521€
Mintos I&A	3,43€	10,05%	0€	59€
Total	219,29€		21.189€	27.180€

I earned a total of 219,29€ in interest from P2P lending in June, even better than my earnings in May. My return on investment from P2P lending was 0,81% for the month.

Bitcoin & Ethereum

Let’s talk about the last part of my portfolio, my investments in the two crypto assets Bitcoin and Ethereum. I consider these highly speculative investments, so I try to keep them capped at 10% of my portfolio.

I find it interesting how quickly market sentiment can change. Market psychology is something that really fascinates me.

Just a few months ago, everyone was screaming how everything was going to the moon, while now, most new investors in the space are feeling fearful.

Well, let’s not wait any longer and take a look at the damage:

Bitcoin:

• -8% in June
• +18% since the start of the year

Ethereum:

• -20% in June
• +200% since the start of 2021

I still stand by my personal, unqualified prediction I made – that bitcoin and ethereum will be the best performing assets in my portfolio by the end of the year, but we’ll have to wait and see.

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

Also, your time horizon should be a lot longer than a few months. Ideally, it should be 4 years or more, which has typically been the length of market cycles in the space.

• You can get a lifetime 10% fee discount to Binance, the largest crypto exchange in the world, using my link.

Alright, that’s it for my investments in June!

By the way, I have two posts about accumulating vs. distributing ETFs, as well as the pros and cons of a dividend investing strategy almost ready. I’ll finish and publish those in August, after my vacation.

Sorry again for being late, I hope you’re able to enjoy the rest of your summer as well!

You might enjoy these posts:

• Why I Quit My Job at Google (As a Millionaire)
• The Best Brokers for European Investors in 2021 (ETFs & Stocks)
• Robocash Review: How Did I Miss This One?
• Finding The Best ETFs in 2021 (European Investor)
• Viainvest Review – 15 Months Later (2021)
• How To Buy ETFs – My Investment Strategy
• PeerBerry Review – Worth It In 2021? (My Personal Opinion)

My Investments in 2021 (June) – The Video