Good morning guys! Today we’re here to check my Passive Income Report of November 2020 🙂
In the last month I made some new investments (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 momey 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 November?
Earnings from P2P Lending and Real Estate crowdfunding platforms
Platform | Balance | Interest | Referral | TOTAL |
EstateGuru | 1172,07 | 9,34 | 0,00 | 9,34 |
Mintos | 804,06 | 7,02 | 0,00 | 7,02 |
ViaInvest | 132,28 | 0,79 | 0,00 | 0,79 |
Lenndy | 365,94 | 3,72 | 0,00 | 3,72 |
Swaper | 83,53 | 0,00 | 0,00 | 0,00 |
Housers | 1100,58 | 0,91 | 0,00 | 0,91 |
Twino | 11,16 | 0,07 | 0,00 | 0,07 |
Robocash | 148,30 | 1,24 | 0,00 | 1,24 |
Grupeer | 1107,81 | 0,00 | 0,00 | 0,00 |
TOTAL | 4925,73 | 23,09 | 0,00 | 23,09 |
Earnings from my other Passive Income sources
Platform | Earnings | Referral | TOTAL |
Oval | 39,51 | 0,00 | 39,51 |
Amazon Aff. | 0,00 | 0,00 | 0,00 |
E-book | 0,96 | 0,00 | 0,96 |
Targetcircle | 0,00 | 0,00 | 0,00 |
eToro | 29,87 | 0,00 | 29,87 |
SolidTradeBank | 2,50 | 2,50 | 5,00 |
Dividends | 3,11 | 0,00 | 3,11 |
Celsius Network | 2,05 | 0,00 | 2,05 |
Blog | 1,50 | 0,00 | 1,50 |
Banca Progetto | 2,04 | 0,00 | 2,04 |
TOTAL | 81,54 | 2,50 | 84,04 |
Total Passive Income: 107,13€
Comments about P2P Lending and Real Estate crowdfunding
Passive Income from P2P Lending doubled last month, due to the high revenues generated by Oval and eToro. As you know, I’m withdrawing from all my P2P balances so it’ll be normal to see a decrease in the earnings coming from these sources in the next months.
As you know, my strategy for 2020 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 November to the previous total, I obtain a result of 4868,76€ of Passive Income (from November 2017). I would like to reach 5000€ within the end of the year, but it’s very very hard. Remember that you can always find the updated results in the dedicated pages: My Investment Portfolio and Income Graphs.
Mintos
Average month on Mintos (7,02€). I re-started the auto-invest because I reached the balance I was aiming for. Now I have something like 800€ 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 13 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 November I invested in 2 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 also on Swaper. 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.
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
Standard 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.
Comments about other Passive Income sources
Let’s start from TargetCircle, the affiliation platform that I use to present you interesting bonuses. In November 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 November, for a total of 3,11€. Monthly dividends are increasing, and I’m really happy about this. My goal for next months and years is to increase it to at least 100€ per month.
In November I sold two copies 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 November. 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, November had been a positive month: I got a return equal to 29,87€.
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 176,18€ (39,51€ more than the end of October).
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 November I got earnings for 2,05€. 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 November:
- I increased my investment in ETFs (ISHARES MSCI EM A and VANGUARD FTSE HDY)
- I decreased my investments in P2P Lending
- I decreased my HYIPs balances
- I bought and sold many individual stocks (TTCF, DBX)
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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