Portfolio update July 2020


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

Let’s dive right into it.

Monthly interest incomes: July 2020

Private accountInfoIncomeValue
Omaraha3,65€ 322,8€
Bondora0€ (0%)Exited with a loss of 65,57€
Twino.eu1,23€ 146,71€
Estateguru3,96€ 128,9€
Loss from defaults-14,81€
Total-5,97€598,41€
Companies accountsInfoIncomeValue
Mintos5,12€ 1948,8€ (withdrawn 4075,01€)
Envestio0€ 0€
Omaraha91,13€ 5514,39€ (withdrawn 1350,26€)
Estateguru7,63€ 1193,07€
Crowdestate3,68€ 562,88€
B2P loans83,66€ 14026,48€
Twino #2L0,00€0€ (withdrawn 1186,73€)
Twino #1M0,00€ 0€ (withdrawn 1109,19€)
Reinvest240,61€ 104,28€
Property #116,05€2702,85€
UpSteam syndicate 1
870,4€
UpSteam syndicate 21066,8€
Tanker syndicate
445€
Bikeep syndicate
465€
La Muu syndicate378,3€
Ampler Bikes 3 syndicate1398,6€
Barking syndicate529,3€
Loss from defaults-48,93€
Total158,95€ 31206,15€

Total amount of passive income in July 2020: 152,98€!

Other incomes/side hustles:

Referral program (blog) 56,77€
Affiliate commission (Bonusway) 0,95€
E-shop profit 222,04€
Total 279,76€
_____________________________________

Let’s dive deeper into the numbers

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

Total passive income from investments july 2020

Mintos

My Mintos portfolio is now at 1948,8€ and in July it generated me 5,12€ of interests.

Mintos interest income july 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.

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.

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

Estateguru

My Estateguru accounts interests income in July 2020: 11,59€.

Estateguru accounts interests income july 2020

Estateguru review – Estateguru portfolio

Crowdestate

Crowdestate income in July was 3,68€.
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 july 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 july 2020

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.

 

Real-estate rent incoome in euros july 2020

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 income in april 2020

Bondora review – Bondora portfolio

Omaraha

Total profit from Omaraha accounts were 31,04€.

Total profit from Omaraha july 2020

Omaraha portfolio

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 1,23€ in July.

Twino interest income in euros july 2020

Twino review – Twino portfolio

Reinvest24 

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

Reinvest24 income in euros july 2020

UpSteam Syndicate 1

In October 2018, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of July 2020, my shares are worth 870,4€.

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

UpSteam Syndicate, invested 340 euros, july worth 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 1066,8€.

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

UpSteam syndicate 2, invested 1264,92 euros july 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 July 2020 my shares were worth 445€.

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

Tanker syndicate, invested 500, worth july 2020

Bikeep Syndicate

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

As of the end of July the investment was worth 465€.

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

Bikeep syndicate, invested 500 july 2020

Ampler Bikes 3 Syndicate

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

By the end of July my investment was worth 1398,6€.

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

La Muu Syndicate

At the end of July my La Muu investment was worth 378,3€.

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

Losses

Loss from Omaraha sold 63,74€.

Omaraha total loss in euros july 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 July the blog and referral comissions generated 56,77€;
Other side hustles generated: 222,99€;
Total income from side hustles: 279,76€.Blog and side hustle income in euros july 2020

More detailed payout from TargetCircle/CircleWise:

Targetcircle blog side hustle income july 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

One big wholesale order in July and then the average. Slow and steady wins the race!

July’s total revenue: 736,85€.

Shipping costs: 42,8€.

Total profit from sales: 222,04€.

E-shop sales in July:

E-shop sidehustle july 2020

#3 Siteground income

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

Siteground side hustle income july 2020

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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 15 clicks on the referral link.Revolut side hustle income in july 2020

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Blog stats for July 2020

A total of 1432 visitors visited my blog and had a total of 2753 views.

The viewership is slowly going down and I am guessing it’s because of the COVID-19.

Financefreedom.eu blog stats for july 2020

Google Analytics queries/keywords stats about the blog

In July 2020, I showed up at 703 Google search queries. Recorded a total of 76 clicks and 15 595 impressions, which calculates to a 0,49% 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 July 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?

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Finance Freedom

Hi! My name is Lukas, I am in my mid 20’s, a simple dude from Estonia, who started investing at 2014. 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.

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