Portfolio update February 2019

“Hello there.” – Obi-Wan

I thought January went past really fast, but February like didn’t even exist …

Enough of words, let’s talk in numbers!

Private account interests received:

Company interests received:

Company investing portfolio has been running on full throttle for the whole winter and you can see it in the numbers.

Total amount of interests received 205,82€! (-20,07%)

Other incomes
Referral program (blog) 91,95€
Affiliate commission 2,03€
Total 93,98€


My comments to the returns

February was kind of disappointing month due to the fact that the passive income made suht a fall. Earned a total of 205,82€ in February with my private and company’s accounts.
There was a HUGE loss from sold loans at Omaraha, total of 32,28€. This was one of the main reason, why such a hard fall in passive income.


I have a total of 5000 euros invested in Mintos and the platform generated me a total of 54,10€ of interests.
The changed made in January are working fine and the 12% MOGO loans are going out pretty well.


Estateguru has ups and downs all the times, because it often has bullet-loans and when a project is finished there will be a spike in the graphics. Just like it is from last year’s September to this year’s February. This is all part of a plan and nothing to worry about.


Slowly but surely getting those interests in from Crowdestate as well. All of my 500€ have been invested and are working hard!

B2P loans

Nothing much to add, the business to peers loan have been going well and the interests keep on coming!


Apartment #1
Income 16,05€.
So far no problems with the apartment nor the rent payments.
Overall a superb tenant!

Private real-estate
As I mentioned, in November I sold the private real-estate apartment. Will write about this transaction in the near future.

Apartment #2
In March 2017, me and my fellow business partners bought one more apartment, which is located at the capital of Estonia, Tallinn. I have a total of 3600 euros invested in the apartment, which is generating me 27,40€ per month.

Due to the location of the apartment, the tenants are a bit fishy. Me and my fellow investors have a small concern about the unpaid utility bills and we are thinking of selling the place. It would be a pretty cool sight to see, due to the fact that we haven’t calculated the profit numbers yet. I imagine the profit will be huge!

The apartment is for sale right now and we are expecting more than a 10K+ profit from the sale!


In June 2018, I decided to exit from 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!

I will keep posting about Bondora for some few months MAX, then I will stop, due to the lack of investments in that P2P platform.

Bondora income in euros january 2019 portfolio update


Omaraha’s company account interests 76,08€ and loss from sold loans 28,94€. Which means the profit was 47,14€.

Under private account there was a total of 0,91€ of profit due to the sold loans, which means a total of 48,05€ of profit from Omaraha.

That kind of loss from sold loans is never good, but it just happens in Omaraha. I’ve had worse months, so I’m trying to keep positive. The new and higher interest rates are hopefully making up the loss.


In February I withdrawed a total of 672,94€ of available cash out of Twino and I will keep on exiting from that platform. Just too fishy for me. In Estonia other bloggers and investors have already spoken about the problems and how they might end up exploding in our faces, so I will better just exit from this sinking ship and hopefully with a profit! The numbers are average for now, average 10-11% of interest per year.

UpSteam Syndicate

In October, I made a small investment of 340€ at Funderbeam into the company called UpSteam. At February the shares worth skyrocketed to 680€.
I think it’s a startup company to be reckoned with, atleast the team behind it is brilliant and hopefully won’t let it decay.
Read more at https://www.funderbeam.com/syndicate/upsteam

Tanker Brewery Syndicate

In September 2018 I made a small investment of 500€ at Funderbeam into the company called Tanker Brewery. At February my shares were worth 450€.
I hope that the new brewery will up the numbers a lot.
Read more at https://www.funderbeam.com/syndicate/tanker-brewery


32,28€ of loss at the site Omaraha. I jinxed it … In January I said that “I hope this trend continues” and there you go …

Blog income

In February 2019, the blog generated a hefty 91,95€ of income on its own.
Slowly and steady wins the race, right? My blog’s main reason is to log my own investments and share/receive information with all of my readers. Let’s keep this symbiosis going and grow it even further!

Blog statistics

In February, I had a total of 935 visitors at the blog, which is also a new record!

Visitors: 935 (+467,5%)
Page views: 2015 (+470,8%)

In Google ads I had a total of 19 244 impressions and 807 clicks = 4,19% CTR. Which is close to twice as good as the previous month. So my small changed made a pretty big impact.

Google Analytics stats about the blog

In February 2019, I had a total of 69 keywords shown at Google.
Total of 13 clicks and 707 impressions, which is a terrible 1,84% CTR, but oh well, atleast my keywords keep on getting ranked!
Average position of keywords keeps on dropping (which is a good thing) and now are at 30. The main goal is to have loads of important keywords at the front page (top 10) or even top 3.
If I keep the SEO clean and Google keeps on ranking my keywords, it will definitely help a lot to get traffic to my blog.

This concludes the Portfolio update of February!

How did your month go? Leave a comment and share your thoughts about the blog with me and other blog readers.

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Finance Freedom

Hi! My name is Lukas, I am in my mid 20’s and I am an engineer from Estonia. I started investing at 2014, so I have been investing for over 6 years. In addition, I was 20 years old, when I started my first company and just 21 years of age, when I made my first investments. I was hooked instantly! In this blog I will be documenting my journey towards financial freedom.

4 thoughts on “Portfolio update February 2019

  1. Sul on kena platvormide ülene vaade kusagilt saadud. Mida sa selleks kasutad?
    Ise kasutan veel Google Drive-i, sest investeeringuid veel vähevõitu. Küll aga on 3 platvormi ning oleks tore ühist vaadet näha.

    1. Tere Marii,
      Ma kasutan oma investeeringute jälgimiseks lihtsat Exceli tabelit, mida iga kuu uuendan.
      Kogu tabeli olen ise kokku klopsinud ning ka antud graafikud sissetulekutest on minu enda koostatud.
      Google Drive’i kasutamine on ka väga hea lihtne viis, kuidas investeeringutel silma peal hoida.

      Kirjelda täpsemalt, millist ühist vaadet sa soovid näha ehk oskan aidata.

      1. OK. See on tore, et kõigil on oma Excelid, Google Sheetsid olemas, kus kõik vajalikud arvutused tehtud, aga ometi pole kedagi, kes suudaks kõik need erinevad platvormid ja muud investeeringute tüübid ühte programmi panna, mis oleks siis kõigile kättesaadav. Paljud küll räägivad, et tegelevad sellega, aga eks see näha ole, mis päriselt tööle hakkab.
        Ega otseselt polegi abi vaja. Kõik on lihtsalt kätte võtmises kinni. Sellegi poolest tänan pakkumast 🙂

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