Hello and welcome, here is my investment portfolio update for April 2020.
April, April, April …
That’s it, nothing else to add.
Enough of words, let’s go check out the update!
Monthly interest incomes: April 2020
| Private account | Info | Income | Value |
|---|---|---|---|
| Omaraha |  | 4,31€ | 332,99€ |
| Bondora | | 0€ (0%) | Exited with a loss of 65,57€ |
| Twino.eu | | 1,1€ | 143,45€ |
| Estateguru | | 0€ | 124,32 |
| Loss from defaults | | 0€ | |
| Total | 5,75€ | 600,76€ |
| Companies accounts | Info | Income | Value |
|---|---|---|---|
| Mintos | | 44,69€ | 1922,1€ (withdrawn 3160,23€) |
| Envestio | | -500€ | 0€ |
| Omaraha | | 76,6€ | 5432,13€ (withdrawn 1350,26€) |
| Estateguru | | 1,69€ | 1179,04€ |
| Crowdestate | | 2,18€ | 551€ |
| B2P loans | | 76,28€ | 12672,88€ |
| Twino #2L | | 0,00€ | 0€ (withdrawn 1186,73€) |
| Twino #1M | | 0,00€ | 0€ (withdrawn 1109,19€) |
| Reinvest24 | | 0,61€ | 102,45€ |
| Property #1 | | 16,05€ | 2654,7€ |
| UpSteam syndicate 1 | | 870,4€ | |
| UpSteam syndicate 2 | | 1070,61€ | |
| Tanker syndicate | | 330€ | |
| Bikeep syndicate | | 435€ | |
| La Muu syndicate | | 337,09€ | |
| Ampler Bikes 3 syndicate | | 1228,5€ | |
| Loss from defaults | -26,82€ | ||
| Total | 197,5€ | 28775,9€ |
Total amount of passive income in April 2020: 203,25€!
Other incomes/side hustles:
| Referral program (blog) | 158,07€ | |
| Affiliate commission (Bonusway) | 5,5€ | |
| E-shop profit | 209,28€ | |
| Total | 375,57€ |
_____________________________________
Let’s dive deeper into the numbers
Nothing positive to talk about, April was a gruelling month. I just hope that my e-shop’s revenue will not plummet hard in May when the restrictions are loosened.
My total passive income from investments since April 2018 to April 2020:
Mintos
As things got even worse during April and the lockdown will be lengthened, I decided to sell and cash out more loans. Sold a total of 3160,23€ worth of loans and withdrawed 2263,87€ straight to my bank account.
My Mintos portfolio is now at 1930,71€ and in April my account, which generated me 44,69€ of interests.
Click here for Mintos review – Mintos portfolio
Envestio
As we all know, Kuetzal announced it’s shutting down on January 12th 2020. But just few days later on January 16th 2020, Envestio sent out a press release about “Envestio reacts to Kuetzal panic”. And as we again all already know, all of that was just BS. Envestio is also down and a scam just like Kuetzal was.
Is Envestio a scam? – Will another P2P platform bite the dust? – https://financefreedom.eu/is-envestio-a-scam-another-one-bites-the-dust/
My Envestio “interest income” in euros
As most or maybe even all of the projects at Envestio might’ve been fake, I don’t think that it’s wise for me to even consider “interest income” from the previous projects and just write off my initial investment of 500€.
Envestio review – Envestio portfolio
Estateguru
Estateguru announced that they are raising funds on Seedrs – https://www.seedrs.com/estateguru
EstateGuru is the leading Pan-European marketplace that facilitates property-backed loans for developers/SME-s and carefully selected investment opportunities for our global investor base. Our ambition is to become the biggest real estate financing platform in Europe by 2025 and we will strive to achieve this by offering the best quality digital experience for our borrowers and investors.We are developing a digital and borderless ecosystem for property financing in Europe and beyond. Our unique value proposition is to connect various real estate market participants into one single marketplace by creating seamless, cross-border and digital financial solutions. This is something that other financial institutions struggle to provide.
While growing 2x every year and becoming continental Europe’s largest property lending marketplace we have financed more than €200 million worth of loans with a growing base of 46,000 investors from 106 countries. EstateGuru has offered its investors a stable 11.8% annual return and €0 loss of capital over 6 years of operations.
My Estateguru accounts interests income in April 2020: 8,25€.
Estateguru review – Estateguru portfolio
Crowdestate
Crowdestate income in April was 2.18€.
In November I also published Crowdesate review. Be sure to check it out and leave a comment – https://financefreedom.eu/crowdestate-review/
B2P loans
Nothing much to add, the business to peers loan have been going well and the interests keep on coming!
Real-estate
Apartment #2 is now SOLD, selling date was in the middle of September 2019.
Total investment 37 450€.
Property #2 sold for a price 41 300€ – cost = 40738€.
Apartment sold for 40 738€.
My initial investment 3600€. In the end got back 4654€.
My profit from investing 3600€ was 1054€.
Read more about the figures here – https://financefreedom.eu/second-property/
Apartment #1 Income 16,05€. So far no problems with the apartment nor the rent payments. Overall a superb tenant!
Private real-estate Sold the private real-estate apartment.
Bondora
In June 2018, I decided to exit from Bondora. A year has gone by and I don’t even miss Bondora! It was the first platform I started investing in with just 10.1€ being the first deposit. Crazy right? It has served me well, even though I made lots of rookie mistakes, I am exiting with positive vibes. Farewell Bondora!
Exited from Bondora with a loss of 65,57€!
I do not recommend investing at Bondora, but if you still want to, be sure to read my Bondora review first!
Bondora review – Bondora portfolio
Omaraha
The interest rates from Omaraha are steady, but due to the loss from sold loans the profit from Omaraha stays between 60-70€ usually.
Sadly, this time total profit from Omaraha accounts were 54,09€.
Twino
As mentioned in the December portfolio update. The EXIT from TWINO has been succesfull!
I have exited from TWINO with my 2 company accounts, which both had a total of 1000 euros invested over 3 years.
Company L account started investing at Twino on 23rd January 2017 and had a successfull exit at 8th December 2019.
L account exited with a total profit of 186,73€.
Company M account started investing at Twino on 17th January 2018 and had a successfulll exit at 8th December 2019.
M account total profit 109,19€.
My private account is still generating interest, which was 1,02€.
Twino review – Twino portfolio
Reinvest24
Seventh month investing at Reinvest24 and received a payment to my investing account.
Received 0.61€ of dividends.
UpSteam Syndicate 1
In October 2018, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of April 2020, my shares worth went down quite a bit, now at 870,4€.
Read more about UpSteam – https://www.funderbeam.com/syndicate/upsteam
UpSteam Syndicate 2
On 28th November 2019 UpSteam announced that they are working on a new fundraising campaign. The campaign was launched in the first half of December.
I received my 381 shares on 2nd January 2020, total amount invested 1264,92€ and are now worth 1070,61€.
Read more about UpSteam Syndicate 2 – https://www.funderbeam.com/syndicate/upsteam-2/
Tanker Brewery Syndicate
In 17th October 2019 Tanker announced that they are preparing for another capital raise on Funderbeam. The new syndicate can be seen here – https://www.funderbeam.com/syndicate/tanker-brewery-2
I decided not to invest into the new campaign.
In September 2018, I made a small investment of 500€ at Funderbeam into the company called Tanker Brewery.
In April 2020 my shares were worth 330€. My shares worth are still heavily impacted by the Covid-19 pandemic.
Read more at https://www.funderbeam.com/syndicate/tanker-brewery
Bikeep Syndicate
In March 2019, I invested 500€ into Bikeep through Funderbeam.
As of 30th April the investment was worth 435€.
Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/
Ampler Bikes 3 Syndicate
In 2019 August, I invested 1357,02€ into Ampler Bikes 3 Syndicate.
By the end of April my investment was worth 1228,5€.
Read more about Ampler Bikes 3 – https://www.funderbeam.com/syndicate/ampler-bikes3 
La Muu Syndicate
At the end of April my La Muu investment was worth 337,09€.
I am pretty sure that we will not see any kind of substantial rise of the price until May or even June.
Read more about La Muu – https://www.funderbeam.com/syndicate/lamuu 
Losses
Loss from Omaraha sold loas was 26,82€.
Side hustles
#1 Blog income: TargetCircle/CircleWise and Bonusway
In June I decided to put the blog income from affiliate/referral system and other side hustles incoome into the same graph, hence the numbers are a bit bigger now. This is the part where it gets interesting.
In April the blog and referral comissions generated 158,07€;
Other side hustles generated: 217,5€;
Total income from side hustles: 375,57€.
More detailed payout from TargetCircle/CircleWise:
I display two different incomes under the blog income. One is referral income from TargetCircle and the other one is affiliate income from Bonusway. Bonusway – I use it to save money while e-shopping or booking ONLINE. Read more at https://financefreedom.eu/save-money-when-e-shopping-or-booking-online/ A really simple way to save up money, especially on housing and from them random orders on AliExpress … (You know what I mean, we’ve all done it!) Considering this blog is mostly dedicated to finance and logging my pursuit on becoming financially free, the TargetCircle referral links usually earn me a lot more than Bonusway affiliate links or any other side hustle income.
#2 E-shop income
Had one big wholesale at the start of the month and then the regular trend continued, 847,7€ is my e-shop’s 2nd highest sales revenue of the year. I speculate that as May brings looser restrictions my e-shop revenue will plummet back to the regular 500€ per month.
April’s total revenue: 847,7€.
Shipping costs: 53,6€.
Total profit from sales: 209,28€.
E-shop sales in April:
#3 Siteground income
Sadly, still no sales from Siteground, but I will keep on grinding.
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#4 Revolut income
Same info goes to Revolut, it might’ve not generated any sales, but I know it will in the future! Had 22 clicks on the referral link, which is twice as many as the month before.
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Blog stats for April 2020
A total of 3263 visitors visited my blog and had a total of 5417 views.
Google Analytics queries/keywords stats about the blog
In April 2020, I had a total of 705 keywords shown at Google. Recorded a total of 87 clicks and 11 544 impressions, which calculates to a 0,75% CTR.
Special thank you note
I would like to than Rahajutud at https://rahajutud.ee/. Rahajutud (Moneytalks) is basically the centerpoint of every Estonian financial blog. They publish financial articles and bloggers blog posts daily. I regularly translate my blog posts into Estonian and they gladly publish my monthly updates on their site, which always gives me big boost to my blog stats.
This is it, the end of Portfolio update April 2020!
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How are your investments doing during this crisis caused by Covid-19?
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Hey, I follow your blog monthly, so thanks for the update! 🙂
But i have two questions:
1. what does “Other side hustles” cover?
2. What do you mean with e-shop – is that like a webshop you run or something else?
Thanks! 🙂
Hey John,
1. It covers blog referral program and Bonusway affiliate payouts. Including Revolut, Siteground and Transferwise payouts.
2. Under e-shop I mean a real e-shop I am running. It has a webpage and I’m selling real produts on it. Simple as that.