investments in 2021 september

It’s that time of the month again, where we have a look at how my investment portfolio performed.

As usual, I’m going to cover 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 October 17th, 2021.

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

Let’s begin with my investments into stocks in the form of ETFs. These make up around 60% of my investment portfolio.

ETFs

I like to keep it as simple as possible, so I only buy a single ETF, the accumulating Vanguard FTSE All-World (ISIN: IE00BK5BQT80, Ticker: VWCE).

I switched to the accumulating version of the ETF in the beginning of the year, to simplify my strategy a bit further and have dividends reinvested automatically.

Dividends

The largest chunk of my investments in ETFs, which I purchased before 2021, is still paying out dividends.

It wouldn’t make any sense for me to sell these shares, as they’re up quite a lot in value. I don’t want to already realize and have to fully tax those profits by selling before I actually need the money in my retirement.

If you’re curious about my entire ETF portfolio at the moment, I’ll link that down below. I’m investing together with my wife, so this includes her shares as well:

55% of our shares are still in the distributing version of the Vanguard FTSE All-World ETF, which pays out dividends on a quarterly basis. That’s exactly what happened in the end of September, as we received 279€ in dividend payments.

This has been a great year as far as paid out dividends are concerned, and it’s nice to see the progression over time since 2018:

dividend progression

We received 179€ in dividends in 2018, 507€ in 2019, 1.048€ in 2020 and we’re already at 1.286€ in 2021, even though we still have 1 entire quarter left to go this year.

Obviously we kept buying more shares over that time frame, especially last year. Also, this growth is likely going to slow down starting with 2022, since we’re only buying the accumulating version now.

Still, I can’t blame anyone for preferring distributing ETFs, as regular dividend payments can be quite addictive & motivating!

Let’s have a look at how the Vanguard FTSE All-World performed:

  • -1,94% in September
  • +17,72% since the beginning of 2021

Prices Don’t Only Go Up

Remember how I told you prices don’t only go up and to treat these as long-term investments? Finally, we had a month proving that.

While we’re still up by over 17% this year, I’m curious to know how a 2% drop felt for you as an investor. Especially in case you’re new and you haven’t experienced that before.

Let me know in the comments!

The Best Low-Cost Brokers in Europe

If you’re still looking for an excellent, low-cost brokerage account to get into stocks & ETFs, these are my two favorites:

And 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.

P2P Lending

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

Here is my platform allocation on the 1st of October.

p2p lending allocation september 2021

I want to reduce or maybe even eliminate Crowdestor completely and to move that money over to other platforms.

My Top 5 in P2P Lending

A few days ago, I published a post about my top 5 platforms in P2P lending, so if you haven’t seen that yet, you can find it here:

In the article, I explain why these are currently my favorites, my auto invest settings for each of them and where I still see room for improvement.

For this reason, my monthly update for the first five platforms will be shorter than usual, as you can get more information in that post.

Mintos

mintos september 2021
  • Income (September 2021): 49,37€
  • IRR11,80%
  • Invested since: 27.09.2018

Good news, my funds in recovery dropped by 94,11€. I’m hoping that’s a good sign for the coming months.

Mintos notified me that they’re introducing a waiting list for new investors, in order to comply with the licensing in every country.

You can use this link to register, so that you’re the first in line to get an account when they open back up.

Viainvest

viainvest september 2021
  • Income (September 2021): 27,19€
  • IRR12,16%
  • Invested since: 11.10.2019

I added 310€ to my Viainvest account on September 22nd, pushing my invested funds over 3.000€ on the platform.

Robocash

robocash september 2021
  • Income (September 2021): 26,81€
  • IRR12,56%
  • Invested since: 19.01.2021

I also added 500€ to my Robocash account on September 22nd, as I’ve been very impressed with them and the Robocash Group’s latest financial results.

My friend and fellow YouTuber Lars Wrobbel actually visited the Robocash offices and some of their lending companies. He’s publishing a video series about his trip – I recommend checking it out, if you’re interested! Don’t worry, only the intro is in German, the rest is in English.

  • Use this link or the referral code advE to get 1% cashback on all your Robocash investments after 30 days.

Lendermarket

lendermarket september 2021
  • Get 1% cashback on your investments on Lendermarket after 60 days by signing up via my link.
    • Income (September 2021): 25,73€
    • IRR14,36%
    • Invested since: 21.11.2019

    Iuvo Group

    iuvo group september 2021
    • Income (September 2021): 19,04€
    • IRR11,86%
    • Invested since: 05.10.2018

    Iuvo Group added a new product to its platform, called IuvoUp. It’s similar to Bondora Go & Grow, allowing you to withdraw your funds at any time.

    However, in my opinion, the interest rate of up to 4% is too low to make it an interesting alternative. So I’m sticking to Iuvo Group’s “normal” P2P investments.

    If you’re wondering why my internal rate of return dropped, that’s because I decided to finally exclude the 90€ bonus I got back in 2018 from my calculations, as I think it better represents what new investors can expect today.

    • Request a referral here to get 1,5% cashback on Iuvo Group

    Crowdestor

    crowdestor september 2021
    • Income (September 2021): 25,43€
    • IRR8,68%
    • Invested since: 03.04.2019

    Crowdestor is the one platform that’s causing me headaches.

    My monthly earnings were once again quite low considering how much money I have invested here. That’s because 24 out of 39 projects are currently late in my account.

    Their own statistics page shows this problem quite clearly as well:

    crowdestor statistics 2021

    Unless things turn around for the better, I’m withdrawing all the payments I receive on a monthly basis and leaving this platform.

    Bondora Go & Grow

    bondora go grow september 2021
    Get a 5€ bonus on Bondora when you sign up via my link and invest 10€ or more.
    • Income (September 2021): 6,86€
    • IRR (incl. withdrawals): 6,68%
    • Invested since: 01.09.2018

    EstateGuru

    estateguru september 2021
    Use this link for a 0,5% bonus on EstateGuru for the first 3 months.
    • Income (September 2021): 0,02€
    • IRR7,00%
    • Invested since: 12.10.2020

    EvoEstate

    evoestate september 2021
  • Get 0,5% cashback for 6 months on your EvoEstate investments via my link
    • Income (September 2021): 0€
    • Invested since: 03.02.2020
    • IRR7,10%

    My Income From P2P Lending in September

    PlatformIncomeIRRInvestedValue
    Mintos49,37€11,80%5.409€7.834€
    Crowdestor25,43€8,68%5.259€6.356€
    Lendermarket25,73€14,36%2.013€2.744€
    Viainvest27,19€12,16%2.487€3.009€
    Iuvo Group19,04€11,86%1.562€2.658€
    Robocash26,81€12,56%3.000€3.204€
    Bondora Go&Grow6,86€6,68%900€1.282€
    EvoEstate0€7,10%324€400€
    EstateGuru0,02€7,00%500€534€
    Mintos I&A0,06€9,96%0€59€
    Total180,51€21.454€28.078€

    I earned a total of 180,51€ in interest from P2P lending in September. 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 9,79% so far from P2P lending in 2021.

    Bitcoin & Ethereum

    Let’s get to the most volatile, speculative part of my portfolio: My investments in the two largest cryptocurrencies, Bitcoin and Ethereum. I try to limit them at around 10% of my total investments, as they carry a lot more risk.

    ethereum and bitcoin

    Here’s how they performed:

    Bitcoin:

    • +2% in September
    • +71% since the start of the year

    Ethereum:

    • -5% in September
    • +369% since the start of 2021

    They are actually doing better now that the first Bitcoin Futures ETF was announced, but we’ll have to wait and see what effect this is going to have long-term.

    Just a quick reminder: Since these investments are highly volatile and unpredictable, please never invest money you can’t afford to lose.

    USD & Crypto Lending

    Speaking of crypto, that brings me to my last source of investment income.

    As I mentioned last time in a bit more detail, I started lending out some crypto and USD stable coins via Celsius Network and the FTX exchange.

    These amounts fluctuate quite a bit and also depend on how much cash I’m holding. For September, I earned a total of 65,9€ in interest on Celsius and FTX.

    celsius network
    • Use my referral code: 126404c61b to get a $50 bonus in Bitcoin after signing up to Celsius Network and lending out $400 or more worth of crypto or stable coins for 30 days.

    And that’s everything for last month!

    Are you happy with how your investments have been performing? Did you get anxious when the stock market dropped a few percent?

    You might enjoy these posts:

    My Investments in 2021 (September) – The Video

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    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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