The third quarter of 2019 came to an end. It seems to me that this 2019 is really flying away. Anyway, today we’re for the monthly update about my Passive Income Report 🙂 I anticipate you that September had been my second best month ever in terms of Passive Income!
During September I have not made any changes to my Investment Portfolio. It is the same as the last month. But I saved money for my ultimate goal of this year: investing in ETFs. I’m working on it, as you’ll see in the next months.
Read my previous Passive Income Report to find out my latest results before going on with this reading. I suggest you to my path and its evolution.
But first, let’s check my earnings deriving from P2P Lending and Real Estate crowdfunding platforms:
|Grupeer||10,49 EUR||52,94 EUR||63,43 EUR|
|EstateGuru||7,54 EUR||0,50 EUR||8,04 EUR|
|Mintos||10,75 EUR||0,00 EUR||10,75 EUR|
|ViaInvest||2,72 EUR||10,00 EUR||12,72 EUR|
|Lenndy||2,05 EUR||0,00 EUR||2,05 EUR|
|FastInvest||3,63 EUR||0,00 EUR||3,63 EUR|
|Swaper||1,76 EUR||0,00 EUR||1,76 EUR|
|Housers||2,49 EUR||75,00 EUR||77,49 EUR|
|Envestio||8,54 EUR||143,46 EUR||152,00 EUR|
|Twino||0,08 EUR||0,00 EUR||0,08 EUR|
|RoboCash||1,39 EUR||0,00 EUR||1,39 EUR|
Total earnings (P2P and Real Estate): 333,34 EUR
Now let’s add my other Passive Income sources:
|Platform/Source||Earnings (of which referrals)|
|Amazon Associates||7,78 EUR|
|Target Circle||53,99 EUR|
|DiversityFund||40,00 EUR (20,00 EUR)|
|SolidTradeBank||2,00 EUR (0,00 EUR)|
Total earnings (other passive income sources): 111,06 EUR
Total Passive Income: 444,40 EUR
I’m very satisfied with the results I’m achieving month my month. At the beginning of my journey in this world, I never thought such results were achievable for me. With the Passive Income generated in September I reach a total of more 2500 EUR in Passive Income. For me, this is an incredible result!
Now let’s talk a little bit about the platforms. Remember that in My Investment Portfolio page I post the monthly return and the annual return month by month for each platform. Moreover, if you want to deepen your knowledge on a specific platform, you can read the complete review that you find in the P2P Lending and Real Estate Crowdfunding pages.
Mintos’ performance has increased compared to August and this is a good thing. September return (counting only interest income): 1,08%. A brief update about Mintos Invest&Access: I started to use it at the beginning of June, and at the moment it made me earn 8,51 EUR (+4,24 EUR compared to August), a portfolio of 502 EUR and the 13.6% of the loans (previous month they were more than 19%) are in late with an average interest rate of 10,37 (previous month is was 11.13%).
In September I obtained one of my highest monthly returns on Grupeer: 1,18%. Very very good! With this return, I have already passed the 10% annual threshold.
In September I obtained almost the same return of August. September return (counting only interest income): 0,70%. This month I also received a very little referral commission as you can see in the table above. I still have one late loan at the moment (#8162). It is more than 60 days late. I hope to recover it! Fortunately, I have only 50 EUR invested on this loan.
This month is available a super interesting offer for new members: if you register from this link we’ll both receive back 1% of the investment that you make in the first 30 days. Join EstateGuru now! 🙂
Awesome month on Envestio for me, thanks to huge referral commissions. In any case, I obtained also a super return (not counting the ref commissions). September return (counting only interest income): 1,49%.
In September I started to receive interests from new projects that I financed. Indeed my monthly return increased to 0,30%. Not so good but at least it is increasing.
Month below the average on Swaper, with a lower return compared to August. September return: 0,82%. I really hope to increase this return in the future.
This platform seems very stable and interests are always in time for the moment. September return: 1,12%. Good return. I’m really satisfied with this platform.
As you probably know, during March I withdrew more than 400 EUR from my balance. During September I recovered 0,08 EUR (return of 0,02%).
Great month for me on ViaInvest. During September the return increased, reaching a monthly return of 0,89%.
One of my worst months on RoboCash. The monthly return of this platform is very volatile, but it always stays in the range of 0,80-1,20%. September return (counting only interest income): 0,77%. I can’t explain why this month I received so few interests.
Other Passive Income sources
Earnings from TargetCircle reached a new high, and I’m really amazed by this result. 53,99 EUR of earnings on this platform in the past month.
Finally, after some empty months on Amazon Associates I earned something through it during September: 7,78 EUR. I shared the possibility for all the students to have 3 free months of Amazon Prime if they subscribe from this link. Besides after these first free 90 days, you will pay 50% less the annual subscription (18 EUR instead of 36 EUR). Students, this is for you! 🙂
Talking a little about the two HYIPs that I use (SolidTradeBank and DiversityFund), they made me earn a total of 42,00 EUR during September. They’re still working really well. At the moment I have 23 active packs. In addition, I withdraw every Friday from SolidTradeBank because it is the day of the week in which I receive the weekly earnings.
On DiversityFund I picked up my initial investment, so even if the platform close I do not lose money. Moreover, I withdraw 10 more EUR, so I can say that I’m in profit with this platform. However, never forget that platforms like these can disappear from one day to another. Note that I inserted the referral links above. If you want to invest in them, my advice is to invest a very little amount of money.
During September I received no dividends from my stocks (CSCO).
My adventure on eToro continues (I started investing in eToro). I have 500 EUR on this platform and in September I earned 5,32 EUR (1,07%). After some months in negative now I’m in profit, but as I always say I’m investing for the long-term, so not a big problem.
Finally the first update of the latest investment platform that I added to my Investment Portfolio. I’m talking about Oval and after this first month I earned 1,98 EUR (1,80% of my investment). Not bad at all for the moment.
Oval is the latest platform that I added to my Investment Portfolio. It’s an app that allows us to save more money (by rounding every purchase and investing the money) and also to invest in some instruments similar to ETFs. I deposited 110 EUR on Oval on the 26 of August. I divided them into two funds: Race for Space and Creative Thinking. Starting from September I’ll insert its performance in my Report. Use the code DCQYB2KU during your subscription to receive a 5 EUR bonus after your first successful transaction.
News & Updates
During September I dedicate many hours on creating and writing the Financial Freedom Challenge. It’s the huge project I talked to you last month. Finally, it’s available on the blog (the first steps) and also I created a new page completely dedicated to this challenge. I suggest you to check it out if you want to revolutionize your Financial Life! 🙂
I’m still saving money because I want to start investing in 2 or 3 ETFs within the end of the year. I created an account on DeGiro for its low commissions and I’m studying the platforms and the ETFs in order to clarify my ideas for when it is time to start. I intend to start this investment within the end of November. In addition, I’ll write a post about my Investment Strategy.
I tell you again that I entered the Million Dollar Club created by J. Money at budgetsaresexy.com. I wrote an article about this incredible event. Check it out! Because of this starting from next months I’ll dedicate a monthly article about my Net Worth update.
Moreover, I created the Instagram account for the blog. You can find it here: FinanceShot on Instagram. I intend to publish one content per day (could be a quiz, a post, an old post, an infographic and so on…). In any case, I suggest you to Follow me to stay always updated on new content! 🙂
Finally, I really would like to thank you for your presence here on FinanceShot and I hope you like this kind of content. Have a good day!