- Real Estate Crowdfunding
- Up to 17% of annual return
- No Auto-Invest function
My return on investment
My total deposit on Envestio: 300 EUR
2019 – My return on investment: + 5,50%
- May: + 1,49%
- April: + 1,38%
- March: + 1,25%
- February: + 1,39%
Comments on the performance (Update: May 2019)
My deposits on Envestio:
- 7 January 2019 –> 300 EUR
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?
Remember that in order to register on Envestio 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.
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.
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:
- 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.
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.
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).
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.
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.