Portfolio Update – My Investments in 2021 (March)

Welcome to my portfolio update for March 2021!

Even though my blog is called P2P Investing Europe, I’m a strong believer in diversification. That’s why like every month so far in 2021, I’m using these monthly updates to share with you how all of my investments performed. These don’t only include P2P lending, but also ETFs (stocks) and a small position in crypto.

As usual, we’ll also discuss important events that happened as well as my opinion regarding the Coinbase stock, which went public yesterday.

Just please remember that none of what I write is investment advice, just my own opinion based on my personal experience as an investor.

ETFs

Let’s start with where most of my investment portfolio, or close to 60%, is allocated. I’m of course talking about stocks, in the form of ETFs.

I like to keep my long-term investment strategy into the stock market as simple as possible. My wife and I only buy a single, low-cost exchange traded fund, the Vanguard FTSE All-World (VWCE), at the beginning of every month.

Via the ETF we’re able to invest into a diversified portfolio of over 3.500 companies from all over the world.

• The Brokers we use
• Finding the best ETFs in 2021

Now that you know my fool-proof one-ETF strategy, let’s see how it has been performing as of late:

• +6,27% in March
• +9,60% since the beginning of the year

As you can see, the stock market is having an extremely strong year so far!

I still can’t believe how quickly the market recovered from the crash in March 2020. To put things into perspective, as of March 31st, 2021, we’re up over 60% from the low a bit over a year ago!

Just remember that the stock market doesn’t only go up in price, we’ll also see months or even years with negative returns. So treat ETFs as a long-term investment and not something to jump in and out of.

Talking about ETFs, I finally published my broker comparison for European investors. So if you haven’t seen that yet, you can find it here:

• The Best Brokers for European Investors in 2021 (ETFs & Stocks)

My wife and I also received some dividends a few days ago, from the distributing version of the All-World ETF, which we’re still keeping in our brokerage accounts. But that will be part of next month’s update.

P2P Lending

Here is my P2P platform allocation right now:

All in all, I’m happy with this distribution. The only exception is Crowdestor, which I would like to reduce to about half the size it is right now.

Since I get this question a lot, I’m still using the free tool Portfolio Performance to track my investments in P2P lending. Here is the guide I created a while back:

• How To Track Your Investments In P2P Lending

Let’s have a look at how each platform performed and discuss noteworthy events.

Mintos

• Income (Mar. 2021): 72,35€
• IRR: 12,42%
• Invested since: 27.09.2018

I withdrew 552,36€ from Mintos in March, to get the account closer to my target of 7.500€, which I now accomplished. Sadly, my funds in recovery haven’t moved, hopefully that will improve over the coming months.

On a more positive note, funded volume on Mintos grew by 26% in the first quarter of 2021.

Crowdestor

• Income (Mar. 2021): 72,71€
• IRR: 9,78%
• Invested since: 03.04.2019

My income on Crowdestor was a lot better compared to February, but I’m still planning to reduce this platform to around 2.500€ for the sake of diversification.

24 out of 42 business and real-estate loans are late right now in my account.

Lendermarket

• Income (Mar. 2021): 30,55€
• IRR: 14,24%
• Invested since: 21.11.2019

Viainvest

• Income (Mar. 2021): 24,28€
• IRR: 12,23%
• Invested since: 11.10.2019

Iuvo Group

• Income (Mar. 2021): 20,57€
• IRR: 13,23%
• Invested since: 05.10.2018

Robocash

• Income (Mar. 2021): 27,67€
• IRR: 11,59%
• Invested since: 19.01.2021

My interest income on Robocash doubled in March, making this my best month so far on the platform.

• 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 (Mar. 2021): 6,86€
• IRR (incl. withdrawals): 6,67%
• Invested since: 01.09.2018

EstateGuru

• Income (Mar. 2021): 0,93€
• IRR: 5,85%
• Invested since: 12.10.2020

EvoEstate

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

Sadly, due to delays, I’m still waiting for two full loan repayments (incl. interest) on EvoEstate. According to the latest update, I should receive these soon.

My Income From P2P Lending in March

Platform	Income	IRR	Invested	Value
Mintos	72,35€	12,42%	5.409€	7.518€
Crowdestor	72,71€	9,78%	5.764€	6.699€
Lendermarket	30,55€	14,24%	2.013€	2.561€
Viainvest	24,28€	12,23%	2.177€	2.549€
Iuvo Group	20,57€	13,23%	1.562€	2.541€
Robocash	27,67€	11,59%	2.500€	2.543€
Bondora Go&Grow	6,86€	6,67%	900€	1.240€
EvoEstate	0€	0,42%	730€	733€
EstateGuru	0,93€	5,85%	500€	513€
Mintos I&A	0,29€	9,99%	36€	142€
Total	256,21€		21.590€	27.040€

I earned a total of 256,21€ in interest from P2P lending in March, which is a 0,96% return on investment for the month.

Bitcoin & Ethereum

Let’s get to the last and most speculative part of my portfolio. I’m of course talking about my 10% portfolio allocation to cryptocurrencies, mostly consisting of Bitcoin (70%) and the second largest cryptocurrency, Ethereum (30%).

What can I say, March was another incredible month! Here is how the two digital assets performed (in €):

Bitcoin:

• +24% in March
• +108% since the start of the year!

Ethereum:

• +30% in March
• +170% since the start of the year!

That’s just mind-blowing, especially since we usually see crashes a lot more often in this highly volatile space.

Once again let me remind you that this is a highly risky asset class, where prices can go down just as quickly as they shoot up, so never invest money that you can’t afford to lose.

• My Favorite Exchanges to Buy Cryptocurrencies Safely
• How to Protect Against Inflation | Debating Bitcoin – FIRE Mafia [Episode 3]

Coinbase Went Public – Am I Buying the Stock?

Coinbase, one of the largest crypto exchanges in the world, went public yesterday (April 14th) on the NASDAQ.

Because of the current crypto hype, the company’s valuation is quite high. Personally, I don’t buy individual stocks, as I prefer my simple, passive one ETF strategy.

However, if I was buying single stocks I would probably wait for the crypto market to cool off a bit and to have a major correction, as I’m sure the Coinbase stock price will be heavily affected by that as well.

And when that happens, the company could represent a decent investment opportunity for stock investors.

Either way, none of this is financial advice, so please do your own research. I just wanted to mention my own opinion regarding the listing before any of you asked me about it.

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

Another very positive month, let’s see how the rest of the year goes. I’m sure it won’t always be this smooth of a ride. Either way, I’ll let you know about everything that happens!

Thanks for watching and until next time!

You might enjoy these posts as well:

• The Best Brokers for European Investors in 2021 (ETFs & Stocks)
• FIRE Mafia – My Video Podcast About Financial Independence in Europe
• CapTrader: Interactive Brokers Without Monthly Fees
• 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 (March) – The Video