p2p etf update june 2020

Welcome to my 20th monthly income update! As usual, I’ll be showing you my investment income from P2P lending as well as dividends from ETFs.

You’re probably wondering why I’m so late, so let me first apologize for that.

My wife and I have spent the last two weeks at the sea in Croatia, finally getting away from all the craziness back home, something that both of us really needed this year.

That being said, let’s take a look at how my investments performed in June, starting with P2P lending.

P2P Lending Income – June 2020 Overview

Platform Income IRR Invested Value
Iuvo Group 23,66€ 13,74% 1.857€ 2.618€
Mintos 80,02€ 12,88% 9.005€ 10.308€
Bondora G&G 11,43€ 6,66% 1.901€ 2.123€
Crowdestor 10,40€ 8,06% 6.200€ 6.576€
Viainvest 33,93€ 11,95% 2.500€ 2.637€
Lendermarket 55,50€ 13,64% 3.000€ 3.221€
EvoEstate 0€ 1,35% 630€ 633€
Mintos I&A 2,72€ 10,92% 174€ 274€
Swaper 7,94€ 13,05% 0€ 105€
Wisefund 0 -11,41% 60€ 0 (Exit fee)
Grupeer* 0* -….%* 2.825€* 0*
Monethera* 0* -….%* 1.028€* 0*
Envestio* 0* -….%* 2.807€* 0*
Total 225,60€ -9,26% 31.987€ 28.495€
*I counted Grupeer, Monethera and Envestio as a loss for now, but I’m hoping to recover some funds at some point.

In total, I earned 225,60€ (-16,22€) from P2P lending last month.

Income from Dividends

My wife and I also received 152,93€ in dividends in June, from the main ETF we invest in, the Vanguard FTSE All-World. The ETF pays out dividends every three months.

This time, at 0,34€ per share, the distributed amount was quite a bit lower than what the ETF paid out in dividends in June/July during the previous three years (0,58€, 0,54€, 0,50€ respectively).

However, considering the current economic environment, as well as some countries outright forbidding companies from paying dividends this year, that was to be expected.

My Monthly Income (Total)

p2p lending etf income june 2020

  • Total Investment Income (June 2020): 378,53€ (-233,80€)

That puts me at 25,24% of my goal, 1.500€ monthly income from investments.

Let’s take a look at how each P2P platform in my portfolio did last month.

Iuvo Group

iuvo group returns june 2020
Note: Oct/18 shows my 90€ refer-a-friend bonus
  • Income (June 2020): 23,66€ (-8,76€)
  • IRR: 13,74%
  • Invested since: 05.10.2018

I don’t have too much to report on for Iuvo Group. After decreasing my target allocation to the platform to around 2.600€ last month, my income decreased a bit, but that’s about it.

In my opinion, they’ve been handling the past few months pretty well compared to others.

iuvo group june 2020

Mintos

mintos returns june 2020

  • Income (June 2020): 80,02€ (-21,33€)
  • IRR: 12,88%
  • Invested since: 27.09.2018

I actually received 104,92€ in interest on Mintos last month, but I sold some loans on the secondary market (mostly by ExpressCredit), as I’ve been trying to focus on loan originators with better ratings.

As a result, I lost a bit of money on fees and the small discount I offered them at:

mintos transactions june 2020

My pending payments increased by 271,55€ compared to last month. Hopefully we’ll see a trend reversal soon. 

Mintos also published their consolidated annual report for 2019. I’ll take a closer look in a separate article/video once we’re back from our trip.

mintos june 2020

Bondora Go & Grow

bondora go grow returns june 2020
Note: I invested an extra 7.000€ for less than a month on Go & Grow during Sep/18
  • Income (June 2020): 11,43€ (-1,60€)
  • IRR (incl. withdrawals): 6,66%
  • Invested since: 01.09.2018

I had 80,43€ remaining from my last withdrawal, which was fully withdrawn by June 10th.

After Bondora implemented partial withdrawals due to the large number of withdrawals in the midst of the Covid-crisis, it seems as though full, instant withdrawals have been available again for the past few weeks.

I’m very happy to see that, as I always considered that as a major advantage Bondora Go & Grow had over other P2P investments.

Like Mintos, Bondora also announced its financial results for 2019 recently. The platform made a net profit of 2.283.561€ last year, which is good to see.

I’ll take a closer look at the full report once it’s available.

bondora go grow june 2020

Crowdestor

crowdestor returns june 2020

  • Income (June 2020): 10,40€ (+1,06€)
  • IRR: 8,06%
  • Invested since: 03.04.2019

My income on Crowdestor is slowly increasing again, as some projects resumed paying interest in June. Sadly one planned loan repayment (Fertilizer Export Financing) is still delayed.

crowdestor june 2020

Meanwhile, I already received a much larger number of interest payments, totaling 103,91€ so far in July, but that will be part of next month’s update.

crowdestor upcoming payments june 2020

Viainvest

viainvest returns june 2020

  • Income (June 2020): 33,93€ (+16,51€)
  • IRR: 11,95%
  • Invested since: 11.10.2019

I broke my monthly income record on Viainvest in June, after increasing my investment to 2.500€ and taking advantage of the auto invest cashback campaign.

viainvest june 2020

Lendermarket

lendermarket returns june 2020
Note: Feb 1 includes the 1% Cashback
  • Income (June 2020): 55,50€ (-3,45€)
  • IRR: 13,64%
  • Invested since: 21.11.2019

June was my second highest earning month so far on Lendermarket. As a result, my internal rate of return on the platform increased to >13%.

Lendermarket also published an updated Creditstar Group presentation on its site, including more details of the loan originators performance in Q1/2020: 

lendermarket june 2020

EvoEstate

evoestate

  • Invested since: 03.02.2020

I’m happy to see that EvoEstate started publishing skin in the game real-estate projects again on a regular basis, so I might add more projects to my portfolio over the coming weeks.

The two Spanish projects I’m invested in so far will likely pay interest at the end of their loan term next year.

Still Withdrawing: Swaper and Mintos I&A

Lastly, we have two honorable mentions – Swaper and Mintos Invest & Access, which I’m still withdrawing from. As a result, I won’t spend too much time on these two.

swaper june 2020

I withdrew 100€ from my Swaper account in the beginning of June, and earned an extra 7,94€ in interest last month.

I still have a few investments in the “My Investments” tab displayed as 0€/investment. That means that they were successfully sold – I received my principal back, which I already withdrew – but I’m still going to receive interest payments for the period that I owned them.

Swaper announced that they would be sharing their 2019 audited financial statements at the end of July, which I’m looking forward to.

mintos invest access june 2020

I withdrew 166,36€ and earned 2,72€ on my separate Mintos Invest & Access account over the course of June.

I’m still in the process of emptying this account, as I much prefer using Bondora Go & Grow for shorter term investments in P2P lending.

That’s it!

Thank you for reading my latest monthly update! I hope you’re able to forgive me for posting it so late this time.

You might find this useful:

Video of the article

2 Comments

  1. Thank you Angelo!
    As regularly, I’m the first to jump in for my comment ????.
    This time about your Vanguard ETF :
    – did you buy it via Degiro?
    – what is its ISIN code?
    – how much shares have you acquired?

    That’s all for today.

    Stay all safe!

    1. Thank you Centrino, always happy to see your name in the comments!
      – Yes, on Degiro, Flatex, TradeStation Global and Smartbroker.
      – IE00B3RBWM25
      – We had 451,803 shares at the time of distribution of the dividends, a few more since then

      Stay safe as well!

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