investments november 2021

Let’s see how my investment portfolio performed in November 2021.

As always, I’ll be covering all my investments: P2P lending, stocks in the form of ETFs, my small bets in crypto and my income from crypto and USD lending. You’ll see how everything performed, why I increased my investment on a few P2P platforms while reducing it on others and we’ll discuss important events.

I’ll also give you my opinion on the current market volatility and whether or not it is influencing my investment decisions at the moment.

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

Alright, let’s begin with ETFs, which make up around 60% of my investments.


My strategy remains as boring as ever. My wife and I just buy one low-cost ETF, the accumulating Vanguard FTSE All-World (ISIN: IE00BK5BQT80, Ticker: VWCE) on a monthly basis.

We don’t really care what the market is doing from month to month, since this is a long-term investment. We’re actually happy if the market drops a bit before our monthly investment, as it allows us to buy more shares for the same amount of money.

But of course I won’t lie – we’re only human and it still feels better to see your portfolio value going up and not down.

So let’s see how our ETF performed:

  • -0,11% in November
  • +22,74% since the beginning of 2021

If you need some excellent, low-cost brokerage accounts to get into stocks & ETFs, I recommend checking out these two first:

If you’re from Austria like me or from Germany, where taxes are more complicated, you can find my favorite local brokers here. These take care of the taxation for you, making your life a lot easier.

I also just created an updated guide for all the brokers I mentioned. You can find it here:

P2P Lending

Let’s talk about my investments in P2P lending.

Here’s my platform allocation on the 1st of December:

p2p allocation november 2021

From these, I would like to remove Crowdestor and to move that money to other platforms.

And here’s how each platform is doing individually:


mintos november 2021
  • Income (November 2021): 42,24€
  • IRR11,47%
  • Invested since: 27.09.2018

On November 18th, I moved 1.000€ from Mintos to Lendermarket, Robocash and Viainvest.

That’s because the interest rates offered by many lending companies on Mintos dropped below my minimum of 10% per year over the past couple of weeks.

Things are starting to look slightly better since then, but it’s still become a lot harder to diversify at a decent interest rate on the platform.


viainvest november 2021
  • Income (November 2021): 28,57€
  • IRR12,16%
  • Invested since: 11.10.2019

I added 250€ to my Viainvest account on November 22nd, which was invested shortly after.


robocash december 7 2021
Note: this screenshot is from December 7th, I forgot to take one on the 1st
  • Income (November 2021): 25,74€
  • IRR12,00%
  • Invested since: 19.01.2021

I also added another 250€ to Robocash on November 19th.

  • Sign up to Robocash via this link to get 1% cashback on all of your investments on the platform within the first 30 days.


lendermarket november 2021
  • Income (November 2021): 37,83€
  • IRR14,44%
  • Invested since: 21.11.2019

I deposited an additional 500€ to Lendermarket on November 18th.

Creditstar, the group of lending companies offering all the loans and the buyback obligation on Lendermarket, published its audited financial statement for 2020. Many of you (me included) were waiting for this one.

It was audited by KPMG, which should finally put concerns regarding their previous smaller auditing firm to rest. The one thing they criticized was that Creditstar revalued its intangible assets upwards, resulting in higher reported profits and equity.

However, even without those adjustments, the company was still able to remain profitable in 2020, which was a very difficult year for many loan originators.

And the reports they published so far in 2021 (Q3 2021 interim report) are looking even better than last year, giving me confidence in my investments on Lendermarket.

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

Iuvo Group

iuvo group november 2021
  • Request a referral here to get 1,5% cashback on Iuvo Group
    • Income (November 2021): 19,22€
    • IRR11,74%
    • Invested since: 05.10.2018


    crowdestor november 2021
    • Income (November 2021): 25,26€
    • IRR8,49%
    • Invested since: 03.04.2019

    Crowdestor remains my one annoyance in the P2P lending sector right now. I withdrew 28,76€ at the start of November, as I’m planning to leave the platform.

    24 out of 39 loans are still late. Many of them have been late for a long time already.

    Bondora Go & Grow

    bondora go and grow november 2021
    • Income (November 2021): 7,12€
    • IRR (incl. withdrawals): 6,68%
    • Invested since: 01.09.2018

    I added 500€ to my Bondora Go & Grow account on November 29th, increasing the interest I receive on a daily basis.

    In my opinion, Bondora Go & Grow is still the best and most reliable option for short-term investments in P2P lending. I might move more of my cash buffer there over the coming months.

    • Get a 5€ bonus on Bondora when you sign up via my link and invest 10€ or more.


    estateguru november 2021
    • Income (November 2021): 0€
    • IRR6,78%
    • Invested since: 12.10.2020

    I withdrew 131€ (my available funds) from EstateGuru last month.

    As I mentioned, I just don’t have the time to choose loans individually on the platform at the moment.

    • Use this link for a 0,5% bonus on EstateGuru for the first 3 months.


    evoestate november 2021
  • Get 0,5% cashback for 6 months on your EvoEstate investments via my link
    • Income (November 2021): 0€
    • Invested since: 03.02.2020
    • IRR6,71%

    My Income From P2P Lending in November

    Iuvo Group19,22€11,80%1.562€2.696€
    Bondora Go&Grow7,12€6,68%1.400€1.796€
    Mintos I&A0,04€9,90%0€59€

    I earned a total of 186,02€ in interest from P2P lending in November. According to Portfolio Performance, the free tool I use to track my investments, that’s a return of 0,65% for the month and an internal rate of return of 9,46% so far from P2P lending in 2021.

    Bitcoin & Ethereum

    And with that, let’s get to my most speculative investments – my 10% allocation to the two largest cryptocurrencies, Bitcoin and Ethereum.

    ethereum and bitcoin

    Let’s see how they performed until December 1st:


    • -5% in November
    • +110% since the start of the year


    • +10% in November
    • +591% since the start of 2021

    Due to the market freaking out because of a new variant and possible restrictions, both of them had a correction since then, but I remain optimistic that they’ll recover quickly.

    While my returns have been incredible so far, make sure you don’t get too excited and YOLO a large chunk of your capital into this highly volatile sector. I wouldn’t go beyond 1-10% of your portfolio. And don’t risk money you absolutely can’t afford to lose.

    USD & Crypto Lending

    And this brings me to my last source of investment income: Crypto & USD stable coin lending via Celsius Network and the FTX exchange.

    My income from this source fluctuates on a monthly basis, depending on how much cash I’m holding. And since I have to do some tax planning for the end of the year, it will likely be lower next month. That being said, I earned a total of 114€ in interest from crypto and USD lending in November.

    I’m Going To Be on TV!

    Here’s another thing that happened last month: An Austrian TV network invited me to talk about frugalism and financial independence on TV.

    At first, I was a bit hesitant, but ultimately I decided to just go for it! The recording already took place last week and it should air sometime in January.

    I’ll let you know once it goes live! I’m also planning a reaction video, where I can go into a lot more detail.

    And that’s everything for last month!

    You might enjoy these posts:

    My Investments in 2021 (November) – The Video


    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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    1. Hello Angelo,

      First of all, thank you for sharing your experience with the community. I have been following you for a year now and I am looking forward to your updates each month.

      Small question on my side; which lender platform would you consider to be the best alternative to Mintos? I cannot agree more with you on minimum 10% strategy and Mintos doesn’t seem to have much options in that sense.

        1. Hey Angelo,

          Thanks for your reply and the article. I have read all your comments in the post. I am thinking of putting my second bet on Lendermarket. It looks promising in terms of rates and the auto-invest strategy seems to be easy to use.

    2. Hi Angelo thanks for the detailed update.

      You mentioned you are lending stablecoins and crypto on the FTX exchange. What annual rates of return are you achieving? I want to do a comparison with the FTX/Blockfolio app (previously Blockfolio). On there it is possible to get 8% return on BTC, ETH and USD stablecoins up to $10k, then reduces a bit after that.

      I ask because because I’m having difficulty finding lending return rates on the exchange.

      Thanks and keep up the great work.


        1. Hi Michael and Angelo,

          I would suggest looking into as well. For USDC deposits with 3 months locking, you can earn 10% interest. Another plus point is that your weekly return is released into your account every week.