Good morning guys! Today we’re here to check my Passive Income Report of January 2021 🙂
As you know, my strategy for 2021 is to increase my position in Stocks and ETFs, but we’ll talk more about this later in this post. Moreover, I’m reducing the amount invested the P2P lending because think that at the moment there are more interesting opportunities in the stock market.
Let’s start with the bad news: Grupeer still have issues. I consider it in my portfolio but I know that at 99% my money on it is lost. The platform is not yet closed, but the loans are stopped. So my advice is: stay away from this platform! They posted a new article on their blog, called “Status report“.
As you probably know, in the last months I’ve been modifying a lot my Investment Portfolio: I acquired and then sold some stocks, as you can check on the dedicated page and I’m continuing to constantly increasing my ETF shares.
I started to invest in ETFs at the beginning of the year, and now I’m following my ETF Investment Strategy. I suggest you to also read my previous Passive Income Report so you can have an idea of how my Passive Income is evolving.
But how much Passive Income did I generate in January?
Earnings from P2P Lending and Real Estate crowdfunding platforms
Platform | Balance | Interest | Referral | TOTAL |
EstateGuru | 1187,88 | 10,58 | 0,00 | 10,58 |
Mintos | 817,44 | 5,75 | 0,00 | 5,75 |
ViaInvest | 133,78 | 0,93 | 0,00 | 0,93 |
Lenndy | 370,60 | 2,85 | 0,00 | 2,85 |
Swaper | 85,19 | 0,50 | 0,00 | 0,50 |
Housers | 1104,76 | 1,03 | 0,00 | 1,03 |
Twino | 11,29 | 0,07 | 0,00 | 0,07 |
Robocash | 151,25 | 0,87 | 0,00 | 0,87 |
Grupeer | 1107,81 | 0,00 | 0,00 | 0,00 |
TOTAL | 4970,00 | 22,58 | 0,00 | 22,58 |
Earnings from my other Passive Income sources
Platform | Earnings | Referral | TOTAL |
Oval | 6,57 | 0,00 | 6,57 |
Trading 212 | 8,47 | 0,00 | 8,47 |
E-book | 0,47 | 0,00 | 0,47 |
Targetcircle | 0,00 | 0,00 | 0,00 |
eToro | 9,66 | 0,00 | 9,66 |
SolidTradeBank | 2,50 | 2,50 | 5,00 |
Dividends | 7,32 | 0,00 | 7,32 |
Celsius Network | 5,39 | 0,00 | 5,39 |
Blog | 1,10 | 0,00 | 1,10 |
Banca Progetto | 2,52 | 0,00 | 2,52 |
TOTAL | 44,00 | 2,50 | 46,50 |
Total Passive Income: 69,08€
Comments about P2P Lending and Real Estate crowdfunding
Passive Income from P2P Lending increased last month (it was 66,37€ in December). In addition, I’m withdrawing from all my P2P balances (ex. Swaper) so it’ll be normal to see a decrease in the earnings coming from these sources in the next months.
As I said many times, my strategy for 2021 is to mainly invest in ETFs and stocks, and reduce the share of P2P lending in my Investment Portfolio. That’s why in parallel, I’m buying also some individual stocks when I see a good opportunity.
If I add the Passive Income generated in January to the previous total, I obtain a result of 5004,25€ of Passive Income (from November 2017). My goal was to reach 5000€ within the end of 2020, but as you can see I failed this goal. Remember that you can always find the updated results in the dedicated pages: My Investment Portfolio and Income Graphs.
Mintos
Average month on Mintos (5,75€). I re-started the auto-invest because I reached the balance I was aiming for. Now I have something like 817€ on this platform.
EstateGuru
Good month on EstateGuru. I finally recovered the money I’ve invested in loans #8162, that was defaulted. Currently, I have 17 current loans in my Portfolio and two late loans (loan #2140 and #0158). I’m still investing my earnings on the platform because I think that it works very well. Indeed in January I invested in 3 new projects.
Housers
The monthly return gained on this platform is always in the range 0.25%-0.35% for me. Not so good, indeed I’m thinking of exiting from Housers.
Swaper
Bad month on Swaper (Earnings for 0,50€). This platform is quite volatile, so I expect months like this. In any case, I’m satisfied about my balance on this platform, so I’ll not withdraw anything in the next months. At the end of the month I decided to withdraw all my balance from this platform (and I have already received the money on my bank account), so this is the last update about Swaper.
Twino
I withdrew all my Twino balance some months ago. At the moment I only have two defaulted loans that pay me 0,07/0,08€ per month.
ViaInvest
Below-the-average month on ViaInvest. I started again the Auto-Invest function, because I reached the balance I want to keep on this platform, but the interests earned are obviosuly less compared to months ago.
Lenndy
Below-the-average month on Lenndy, but I expect performance like this by this platform. Now I have a balance aroung 370€, and my goal is to not exceed 400€.
Robocash
“Bad” month on Robocash, after a good month. My balance goal for this platform is something around 200€ (currently I have a balance of 150€).
Comments about other Passive Income sources
Let’s start from TargetCircle, the affiliation platform that I use to present you interesting bonuses. In January I earned 0,00€ from TargetCircle. I believe this is due to the fact that it’s a hard period for P2P platforms, and people is staying away from these websites at the moment.
I received dividends during January, for a total of 7,32€. Monthly dividends are increasing, and I’m really happy about this. In 2021 I want to gain 200€ of dividends.
In January I sold one copy of my e-book dedicated to the Financial Freedom Challenge. As you know, I finally published the Italian version. I suggest you to check it out, it can be a very interesting read in this particular period. Click on this link to open the Amazon page of the e-book.
The HYIP that I use (SolidTradeBank) made me earn a total of 5,00€ in January. SolidTradeBank is still working fine, and I’m largely positive.
Remember: this kind of platforms is very very risky, so pay attention!
Now let’s talk about eToro, the trading platform I’m currently using to copy trade two traders. In August I replaced kela-Leo with a new trader (rubymza), with the hope to perform better. Howewer, January had been a positive month: I got a return equal to 9,66€.
Then a brief update about Oval, an application that I use to invest part of my savings. At the moment I have a balance of 187,36€ (6,57€ more than the end of November).
Finally, the latest platform that I added to my Investment Portfolio. I’m talking about Celsius Network, a platform that I use to invest part of my crypto coins. In January I got earnings for 5,39€. Interests on my deposited cryptos are always on time and I suggest this platform to crypto newbies If you register from this link and deposit at least $200 in cryptos, we’ll both receive $20 in crypto bonus.
Portfolio Composition
Some changes in January:
- I increased my investment in ETFs (ISHARES MSCI EM A and VANGUARD FTSE HDY)
- I decreased my investments in P2P Lending
- I withdrew my balance from Swaper
- I decreased my HYIPs balances
- I bought and sold many individual stocks (ABNB, FVRR, DBX, PINS, LMND, NIO, PBA, SWCH, BRK-B, FTNT)
News & Updates
I finally published the Italian version of the Financial Freedom Challenge e-book. You can buy it HERE for a very little price!
As you probably know on Amazon is already available the English version, that you can find here.
Finally, some months ago I created an Instagram account for the blog. I’m pretty happy about how it’s evolving, and I’m trying to publish a post a day. So please, follow me also on Instagram! In addition, be sure to make part of the biggest italian Telegram group dedicated to P2P lending, P2P Lending Italia.
I hope you liked this new Report, and stay tuned for the next one!
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