Portfolio update February 2020

Hello and welcome, here is my investment portfolio update for February 2020.

First of all, sorry for taking so long to post my February’s portfolio update.

March has been crazy due to the Coronavirus disease (COVID-19). Estonia has already declared state’s crisis to prevent the widespread of disease. Businesses have closed doors and people have stocked up on foods and other supplies. I recommend to reimain calm and watch your hygiene. Try staying indoors and if you have a lot of free time because of the disease, read books and educate yourself.

And finally, if anyone could tell me what’s up with the hoarding of toilet paper? Leave a comment down below, thank you.

Anyways, enough of words, let’s get back to my portfolio update!

Monthly interest incomes: February 2020

Private accountInfoIncomeValue
Omaraha4,37€ 325,37€
Bondora0€ (0%)Exited with a loss of 65,57€
Twino.eu0,98€ 140,64€
Estateguru1,34€ 123,98€
Loss from defaults3,22€
Companies accountsInfoIncomeValue
Mintos53,9€ 6336,99€
Envestio-500€ 0€
Omaraha86,4€ 5354€ (withdrawn 1350,26€)
Estateguru10,9€ 1166,38€
Crowdestate4,87€ 548,84€
B2P loans71,36€ 11802,78€
Twino #2L0,00€0€ (withdrawn 1186,73€)
Twino #1M0,00€ 0€ (withdrawn 1109,19€)
Reinvest240,61€ 101,23€
Property #116,05€2622,6€
UpSteam syndicate 1
UpSteam syndicate 21257,3€
Tanker syndicate
Bikeep syndicate
La Muu syndicate379,86€
Ampler Bikes 3 syndicate1256,85€
Loss from defaults-34,74€
Total212,82€ 32789.43€

Total amount of passive income in February 2020: 212,82€!

Other incomes/side hustles:

Referral program (blog) 187,91€
Affiliate commission (Bonusway) 5,1€
E-shop profit 196,42€
Total 389,43€

Let’s dive deeper into the numbers

A decent bounce back from the loss from Envestio. Money is making money as it should.

I have a concern that the widespread of Coronavirus disease may impact my e-shop sales. Why? My products are not primary commodity and in a state of crisis they won’t sell that well. On the other hand it may boost the sales because customers are staying put at homes, avoiding physical contact and making orders through the e-shops more than usual.

My total passive income from investments since February 2018 to February 2020:

Financefreedom blog total passive income from investments february 2020


I have a total of 5000 euros invested in Mintos and in February my account didn’t have any cashdrag problems and generated me 53,9€ of interests.
Also, I noticed that my Net Annual Return came up from 11.6% to 13.32%, which is a good sign.

Mintos interest income in february 2020

Mintos company account overview february 2020

Click here for Mintos review – Mintos portfolio

Click here to sign up to Mintos and get an exclusive 1% bonus for any investment you make during the first 90 days.


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.

Envestio reacts to Kuetzal panic


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 income in euros january 2020

Envestio review – Envestio portfolio


My Estateguru accounts interests income in February 2020: 12,24€.

Estateguru accoutns interests income in february 2020

Estateguru review – Estateguru portfolio


Crowdestate income in February was 4,87€.
In November I also published Crowdesate review. Be sure to check it out and leave a comment – https://financefreedom.eu/crowdestate-review/

Crowdestate income in euros february 2020

Crowdestate portfolio

B2P loans

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

B2P loans interest income in euros, february 2020


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.


real-estate rent income in euros february 2020


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 income in euros february 2020

Bondora review – Bondora portfolio


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 52,81€.

Total profit from Omaraha interests february 2020

Omaraha portfolio


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 income in euros february 2020

Twino review – Twino portfolio


Sixth month investing at Reinvest24 and received a payment to my investing account.
Received 0.61€ of dividends.

Reinvest24 transactions february 2020 Reinvest24 company account overview february 2020

Reinvest24 interest income in euros february 2020

UpSteam Syndicate 1

In October 2018, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of February 2020, my shares worth went down quite a bit, now at 982,6€.

Read more about UpSteam – https://www.funderbeam.com/syndicate/upsteam

UpSteam Syndicate, invested 340 euros, february 2020

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 1257,3€.

Read more about UpSteam Syndicate 2 – https://www.funderbeam.com/syndicate/upsteam-2/

UpSteam Syndicate 2, invested 1264,92 euros, february 2020

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 February 2020 my shares were worth 500€.

Read more at https://www.funderbeam.com/syndicate/tanker-brewery

Tanker Syndicate, invested 500€, february 2020

Bikeep Syndicate

In March 2019, I invested 500€ into Bikeep through Funderbeam.

As of 29th February the investment was worth 480€.

Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/

Bikeep Syndicate, invested 500, february 2020

Ampler Bikes 3 Syndicate

In 2019 August, I invested 1357,02€ into Ampler Bikes 3 Syndicate.

By the end of February my investment was worth 1256,85€.

Read more about Ampler Bikes 3 – https://www.funderbeam.com/syndicate/ampler-bikes3 Ampler 3 Syndicate, invested 1357,02 invested, february 2020

La Muu Syndicate

At the end of February my La Muu investment was worth 379,86€.

I am pretty sure that we will not see any kind of substantial rise of the price until spring. I haven’t bought ice cream in ages, have you? Who even buys ice cream in the middle of the winter?

Read more about La Muu – https://www.funderbeam.com/syndicate/lamuu La Muu Syndicate, invested 433,29 euros, february 2020


Loss from Omaraha sold loas was 24,63€.

Total loss from Omaraha in euros february 2020

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 February the blog and referral comissions generated 187,91€;
Other side hustles generated: 201,52€;
Total income from side hustles: 389,43€.Financefreedom blog and side hustle income in euros february 2020

More detailed payout from TargetCircle/CircleWise:

Targetcircle referral income side-hustle february 2020

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

The first month of 2020 had a pretty decent start for my e-shop. The second one was a bit slower, truth be told it had 2 days less, but still.

February’s total revenue: 496,28€.

Shipping costs: 41,90€.

Total profit from sales: 196,42€.

E-shop sales in February:

E-shop sidehustle income in february 2020

#3 Siteground income

Sadly, still no sales from Siteground, but I will keep on grinding.

Siteground side hustle income february 2020

Want to start your own blog?

I have 3 websites that I own which are hosted by Siteground and I am truly happy with the service!

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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.Revolut side hustle income february 2020


Get your free Revolut VISA card now!

Use Revolut to deposit to your accounts.

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Blog stats for February 2020

A total of 4792 (-15,29%) visitors visited my blog and had a total of 8780 (-28,62%) views. Which was expected, due to the Kuetzal and Envestio scams blowing up in January and having smaller impact in February.

Financefreedom.eu blog statistics for february 2020

Google Analytics queries/keywords stats about the blog

In February 2020, I had a total of 1060 (-160) keywords shown at Google. Recorded a total of 361 clicks and 21 557 impressions, which calculates to a 1,67% 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 February 2020!

I hope you enjoyed reading this month’s update. Be sure to subscribe for faster updates and leave a comment on how did your month go? Did you invest in Kuetzal and/or Envestio? How much did you lose? What have you done so far to get the money back? If you have any thoughts about the blog please share them with me and other blog readers.

My Facebook page – https://www.facebook.com/FinanceFreedom.eu

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WHY START INVESTING – Read more @ https://financefreedom.eu/start-investing/

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.

2 thoughts on “Portfolio update February 2020

    1. Hey John!
      Me and my partners sold one of our properties due to bad location and constant problems.
      The other real-estate property is superb and only keeps on producing.

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