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

First of all, sorry for taking so long to post my March’s portfolio update.
Actually, it’s been kind of my thing publishing the portfolio update after 20th date of the month, because Estonia’s VAT needs to be paid at 20th.

Anyways, March was an extremely nasty and gruelling month, let’s not do that again, please.
The Kuetzal and Envestio saga was pretty terrifying to watch, but that was only a P2P market crisis. Now in March, all of the markets went down, many have lost and more will lose their jobs.

This is my first adulthood financial recession. I’ve questioned my parents and older friends on the topic of the last 2001 and 2008 financial crisis and how did they manage to “stay alive”. Hopefully I have learned from their mistakes and I can survive this downtime.

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

Monthly interest incomes: March 2020

Private accountInfoIncomeValue
Omaraha5,53€ 328,68€
Bondora0€ (0%)Exited with a loss of 65,57€
Twino.eu1,21€ 141,86€
Estateguru0€ 124,32
Loss from defaults2,48€
Total4,26€594,86€
Companies accountsInfoIncomeValue
Mintos45,59€ 4525,85€
Envestio-500€ 0€
Omaraha89,66€ 5376,99€ (withdrawn 1350,26€)
Estateguru1,69€ 1174,06€
Crowdestate0€ 548,84€
B2P loans73,82€ 12226,6€
Twino #2L0,00€0€ (withdrawn 1186,73€)
Twino #1M0,00€ 0€ (withdrawn 1109,19€)
Reinvest240,61€ 101,84€
Property #116,05€2638,65€
UpSteam syndicate 1
700,4€
UpSteam syndicate 21037,61€
Tanker syndicate
375€
Bikeep syndicate
420€
La Muu syndicate313,3€
Ampler Bikes 3 syndicate1037,61€
Loss from defaults-41,27€
Total190,41€ 30300,20€

Total amount of passive income in March 2020: 190,41€!

Other incomes/side hustles:

Referral program (blog) 113,74€
Affiliate commission (Bonusway) 16,12€
E-shop profit 360,85€
Total 490,71€
_____________________________________

Let’s dive deeper into the numbers

By now, it’s pretty obvious that the financial market has taken a decent hit by the Covid-19 pandemic and there will be blood on the streets. Maybe start of another recession?

By the way, I am trying out a new side hustle. Niche site with Amazon Associate referral links. I will keep you updated on things are going.

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

Total passive income from investments, financefreedom.eu, march 2020

Mintos

I have a total of 5000 euros invested in Mintos and in March my account, which generated me 45,59€ of interests.

As the pandemic broke out, I decided to liquidate one third of my Mintos investments to have a bigger emergency fund reserve. Which now stands close to 15 000 euros in cash, just for emergencies like the Covid-19 is becoming. I do not include cash reserves in my investment portfolio, because it is not an investment.

1/3 of the loans were sold on the secondary market with few discount percentages. Hence, the Mintos interest income will take a pretty big dive in the near future, but that’s okay for me. I feel safer having extra cash available. Plus, as the markets might be falling even deeper, it would be a great opportunity to make other investments, such as real-estate.

Mintos interest income in march 2020

Click here for Mintos review – Mintos portfolio

Click here to sign up to Mintos and get an exclusive 0.5% 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 March 2020: 1,69€.

Estateguru accounts interests income in march 2020

Estateguru review – Estateguru portfolio

Crowdestate

Crowdestate income in March was 0€.
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 in march 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 in march 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 income in euros in march 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 euros in march 2020

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 51,44€.

Total profit from Omaraha in march 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 1,02€.

Twino income in euros in march 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 transactions in march 2020

Reinvest24 income in euros in march 2020

UpSteam Syndicate 1

In October 2018, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of March 2020, my shares worth went down quite a bit, now at 700,40€.

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

UpSteam syndicate, invested 340 worth in march 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 861,06€.

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

UpSteam syndicate 2, invested 1264,92 euros in march 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 March 2020 my shares were worth 375€. My shares worth was eavily impacted by the Covid-19 pandemic.

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

Tanker syndicate, invested 500 worth in march 2020

Bikeep Syndicate

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

As of 31st March the investment was worth 420€.

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

Bikeep syndicate, invested 500 worth in march 2020

Ampler Bikes 3 Syndicate

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

By the end of March my investment was worth 1037,61€.

Read more about Ampler Bikes 3 – https://www.funderbeam.com/syndicate/ampler-bikes3 Ampler 3 syndicate, 1357,02 worth in march 2020

La Muu Syndicate

At the end of March my La Muu investment was worth 313,3€.

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 La Muu syndicate, invested 433,29 worth in march 2020

Losses

Loss from Omaraha sold loas was 43,75€. Second highest loss from Omaraha since May-19. A pretty scary time because of the Covid-19 and people losing their jobs. The total loss in euros will most probably rise or stay at this level for a time.

Omaraha, total loss in euros in march 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 March the blog and referral comissions generated 113,74;
Other side hustles generated: 376,97€;
Total income from side hustles: 490,71€.Blog & side hustle income in euros march 2020

More detailed payout from TargetCircle/CircleWise:

Targetcircle referral income side-hustle march 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

As I was expecting, my e-shop revenue doubled it’s revenue and profit. Probably customers were stocking up on products and hopefully the trend will continue throughout April.

March’s total revenue: 870,74€.

Shipping costs: 59,4€.

Total profit from sales: 360,85€.

E-shop sales in March:

E-shop sidehustle in march 2020

#3 Siteground income

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

Siteground sidehustle in march 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!

Have you been thinking about starting your own blog?

Use Siteground to start your own website or blog for just a 0.99€ for 3 months!

webhosting_banner_cv_250x250_EN_EUR

#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 in march 2020

FREE INTERNATIONAL TRANSFERS!

Get your free Revolut VISA card now!

Use Revolut to deposit to your accounts.

Zero fees!

Blog stats for March 2020

A total of 3666 visitors visited my blog and had a total of 6106 views. The impact of Covid-19 is showing it’s effects, especially the last two weeks of March.

Financefreedom blog stats for march 2020

Google Analytics queries/keywords stats about the blog

In March 2020, I had a total of 746 keywords shown at Google. Recorded a total of 116 clicks and 14 236 impressions, which calculates to a 0,81% 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 March 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?
How are your investments doing during this crisis caused by Covid-19?

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

Also, if you decide to sign up use bonuses and cashback offers! In the long run, every little bit counts!

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