Décembre 2018 +41.72 € de revenus du crowdlending

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This is my first passive income revenue update. I am very happy of my return on investment, my profits have never been that high. This is an excellent month. Let’s take a closer look at all these revenue streams.

Top 1 : Envestio surprising return

In Late November, I followed the advice of Jørgen Wolf of financially free and invested 800 € in Envestio. Envestio is a crowdfunding platform that focus on loan to companies. I have invested in two projects, financing the operation of a fruit-wholesaler (20,55% interest) and financing a park of wind turbine (16 % interest).

I really like Envestio because it offers investment in loans with high interest rate and a buy-back guarantee. Which means, if a borrower defaults, I will get my investment and interests after a recovery period. This is a good insurance.

Let’s say you register with this referral offer and invest 500 € in a 9 months project with 17 % interest. When you make a deposit, you get 5 € the morning after PLUS +0.5% interest on your investment.

Month	Without referral link	With referral link
0 month	500 €	505 €
1 month	507 €	512 €
2 month	514 €	519 €
…	..	..
9 month	567 €	573 €

In December, I have already made 18 € in interest. If you register with this offer, you can expect +1.2% € more on your return on investment. Not bad !

Top 2 : Fast Invest, solid return

I was attracted by Fast Invest because it was one of the few peer-to-peer lending platform that offered investment in loans with 15% interest. I decided to go “all in” and invest 1000 €. Now, I have invested in loans with 15% interest, some of 13.5% interest and a few of 10 % interest.

I am very happy to see that this was a good decision, in december I have already received 10.84 € in interest. Fast Invest works really fine.

Fast Invest has very few short-term loans but I think it offers the best loans for long-term investors. They do not have a referral program but their return on investment are already very good.
You can register and start investing on their website

Top 3 : Mintos, good return

Mintos was the first peer-to-peer lending platform I used. It is good, simple to use and has been there for a long time. This is the most known crowdlending platform. It has many loans so your money will not be standing idle, it will be invested quick.

I have deposited 990 € since I started investing in June 2018. My strategy on Mintos was to invest in very short-term loans and re-invest all the interests.

The strategy is paying off because this december I made 8.75 € in interest . Mintos is a really good platform, many loans have more than 13 % interest.

Let’s say you send 500 € to your account. Then you decide to invest in a medium term loan of 3 month with 12% interest. If you register with this link, in 30 days you will get +1% on the money you send on your mintos account, then in 60 and 90 days, you will get 1% on the money you invested.

Days	Without referral link	With referral link
14 days	500 €	500 €
30 days referral reward		+5 €
44 days	502 €	502 €
60 days referral reward		+5 €
74 days	512 €	512 €
90 days referral reward		+5 €
Total	512 €	527 €

By registering with this link, you can expect +3% more on your return on investment. This is really good!

Top 4 : Twino, can do better

Now the very last, Twino. This was the second peer-to-peer lending platform I have invested in. Unlike my Mintos investment, I started with a 750 € invesment in July. Then the cash drag happened. My loans were staying idle for a too long period.

I decided to withdraw 250 € in Early November from the platform and keep an eye on the money that was left there… Which turned out to be a good decision

In mid November, I realize that loans were finding borrowers more quickly and the internal rate of return was increasing. This December, I made 3.93 € in profit.

Conclusion

This Month I have made 41.72 € in interest. I did not imagine making that much when starting p2p lending. I cannot wait to see how much money I will make in January 2019. Stay tuned !!

Janvier 2019 +49.54 € grâce au crowdfunding

Voici mon deuxieme bilan mensuel. J’ai fait le pari de détailler chaque mois mes revenus alternatifs. C’est un pari assez fou, vu le rapport très tabou que les français ont avec l’argent.

Assez de blabla voici les chiffres.