December 2019

performance december
Platform
Income
Annual XIRR
Current value
16.579.34%2069.65
6.1313.60%1256.13
23.0915.96%1330
2.559.73%3753.55
00%1250
10.25.731279.68
240.9512.76%16798.13
8.328%1277.33
21.9110.81%2583.16
47.8310.56%3509.08
10.3710.09%1300.9
17.816.94%1268.28
9.898.92%1282.85
10.2112%1297.01
117.1513.03%8610.7
00%1500
18.6819.85%1236.76
TOT Dec 2019
563.913.24%51603.21
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November 2019

Performance November

It has been a busy month for us as we started to fully organise this blog, hoping our guests are able to benefit from it. Looking at the income we earned this month, we are more affirmed that the hard work we poured in here is worth the effort.

Platform
Income
Annual XIRR
Current value
9.41
9.77%
2507.28
17.79
15.21%
1566.07
13.47
12.09%
1259.09
0
3.63%
1267.48
232.37
12.56%
25555.18
8
8%
1269.01
31.6
10.87%
2561.25
45.01
9.72%
3824.17
14.99
10.15%
1290.53
17.23
16.19%
1230.48
10.8
8.71%
1272.96
15.2
9.2%
1276.8
214.97
12.73%
10105.55
0
0.0%
1500
18.08
19.95%
1218.08
TOT Nov 2019
648.92
12.61%
57,703.93
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Paris Getaway

Last Minute Babymoon

Montmartre

Like most millennials, both of us love to travel. We have been to Thailand, Cambodia, Japan, Mauritius, Spain and Portugal together before we welcome our boy in 2016. And in 2017, we travelled to Austria and Switzerland crossing Germany and Leicteninstin with our boy on a road trip from Italy (we will write about that next time).

When we found out that we were pregnant with our second boy, last year, we know that another road trip will not be possible until he reaches a year old. Hence, we made a short getaway to Paris, France, last March. We did not spend much time on researching or planning because it was a very last minute trip, due to my severe morning sickness.

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Envestio Review

Review of Envestio 2019

Return
Loans Availability
Buyback Guarantee
Secondary Market
★★★★★
12%-22%, also depending by the term
★★★☆☆
Limited loans available, setting up an autoinvest is necessary
★★★★☆
90% of the principal is covered by a guarantee
★★★★☆
Early exit available, fee 5%

What we like

  • Good annual returns
  • On time monthly installment payments
  • Low early exit fee, compared to similar platforms
  • Partial buyback guarantee, together with assets provided by the borrower as personal guarantee

What we don’t like

  • Limited projects availability
  • No secondary market

One of the most popular peer-to-business (P2B) crowdfunding platforms, Envestio is at the top of our preference list. High interest rates, guarantees for investors and no late payments makes this platform an ideal solution for people like us that want to get a considerable return compared to saving accounts currently offered by banks. The lack of a secondary market and a poor liquidity of loans are the main relevant problems we found.

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