FinanceShot

First Person Finance Blog

Envestio

Main Characteristics

  • Real Estate Crowdfunding
  • Up to 17% of annual return
  • No Auto-Invest function

 

Register for free on Envestio and start earning up to 17% per annum

 

My return on investment

My total deposit on Envestio: 300 EUR

2019 – My return on investment: + 1,39%

  • February: + 1,39%

Comments on the performance (Update: February 2019)

I made one deposit of 300 EUR on Envestio. My plan is to increase my investment in the future.

I decided to invest in Envestio to diversify my portfolio. My portfolio is mainly composed by “classic” P2P lending platform, that’s why I chose to invest in this platform. I received the first interests in February 2019, so I can’t still say anything about the performance.

I expect to obtain an annual return of at least 13%.

 

How to add funds

First of all, who can invest on Envestio?

who_can_invest

Remember that in order to register on Grupeer you must be 18 or older. As you can see from the image below, once you are registered you can deposit through Bank Transfer. Money will be available on your balance within 2 working days.

funds

 

Register for free on Envestio and start earning up to 17% per annum

 

General Information

The minimum funding deposit is 100 EUR.

The minimum investment on a single loan is 1 EUR.

The range of interest offered by Envestio is 15% to 18%.

Loans are covered by the BuyBack Guarantee.

buyback

Envestio do not act as Tax Substitute. This means that we receive the total gross profit from our investments and we will have to pay taxes on this profit (in Italy the tax rate is 26%).

At the moment is not available the Secondary Market, that would allows investors to sell other investors their investments before they reach their maturity.

Envestio provides many information about loans:

  • Borrower
  • Average Investment
  • Investors count
  • Industry and purpose
  • Loan Period

You can find all the information in the page of every loan. Always check them before investing.

The investor do not have to pay any fees, except in the case he withdraw an amount of 5 EUR or less from his balance.

fees

Loans on the platform

Below I insert examples of the Loans that are available on Envestio. The availability of loans is not high, but constant over time.

active_projects

This is a part of my portfolio. You can check in every moment how your investments are performing. In the table you can easily find the most important information about every single loan (Investment date, Closing date, Period, Interest rate, My investment, Status and Accrued interest).

active_investments

Finally, Envestio provides the investor this useful summary of our future interest income, so he can know in a second when he will receive next interests on his personal balance.

investment_repayment

 

Register for free on Envestio and start earning up to 17% per annum

 

If you don’t understand the meaning of one or more terms, I wrote an article that explain all the terms that I use. Check it out clicking here.

 

 

 

 

 

 

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: