Hello and welcome, here is my portfolio update for May 2019.
As I mentioned in the April’s monthly update, I was serving in the military from 29th April to 12th May. So nothing really special happaned in the beginning of May, but something did stand out. La Muu. So let’s start off with that.
La Muu Syndicate “fever”
In the beginning of May La Muu launched their campaign in Funderbeam to raise €200-400k. And if I remember correctly, investors marked over 721 000 euros in less than 10 hours.
Obviously the funding goal was reached and the campaign was 2352% funded …
Check out the La Muu Syndicate here – https://www.funderbeam.com/syndicate/lamuu
What is La Muu?
Estonia’s first organic ice cream company, La Muu, has opened a cafe in the Telliskivi Creative City. While you can buy La Muu products in shops across Estonia, their café will carry around 20 handcrafted ice cream flavours, along with two to three new flavours each month, which cannot be found in stores. From the start, La Muu has committed to use only 100% organic produce, thus opting for dairy products which come from cows that graze in open fields and are raised with organic feed, i.e. feed made without using artificial fertilizers or chemical pesticides. La Muu’s goal is to meet the consumer demand created by two growing food sector trends – certain consumer’s preference for organic food and a preference for ethically produced food.
How the capital will be used as follows?
A sample of La Muu’s organic ice cream! YUM!
In May the temperatures usually go up a lot. So what a superb time for an organic ice cream brand to collect money, right?
I wanted to invest 1000€, but due to the reason the interest was so high, they only offered 1000€ investors 433,29€. I will display this investment in the June update.
Enough of words, let’s talk in numbers!
Private account interests received:
| Private account | Info | Income | Invested | Value |
|---|---|---|---|---|
| Omaraha |  | 4,46€ (+23,2%) | 200,00€ | 283,32€ |
| Bondora | | 0€ (0%) | 0€ | Exited with a loss of 65,57€ |
| Twino.eu | | 1,16€ (+22,11%) | 100,00€ | 132,02€ |
| Estateguru | | 0,0€ (0%) | 100,00€ | 111,82€ |
| Loss from selling defaults | | 3€ | ||
| Total interests from private accounts | 2,62€ | 400€ | 527,16€ |
Company interests received:
Company investing portfolio has been running on full throttle for the time and you can see it in the numbers.
| Companies accounts | Info | Income | Invested | Value |
|---|---|---|---|---|
| Mintos | | 55,55€ (-0,29%) | 5000€ | 5854,13€ |
| Envestio | | 6,82€ (-16,22%) | 500€ | 530,29€ |
| Omaraha | | 81,5€ (+1,33%) | 4500€ | 4723,26€ (withdrawn 1350,26€) |
| Estateguru | | 5,33€ (-31,23%) | 1000€ | 1074,02€ |
| Crowdestate | | 10,55€ (+1059,34%) | 500€ | 522,42€ |
| B2P loans | | 49,22€ (+5,26%) | 7400€ | 7919,1€ |
| Twino #2L | | 2,15 (-43,42%) | 1000€ | 198,95€ (withdrawn 984,91€) |
| Twino #1M | | 1,31€ (-37,02%) | 1000€ | 126,83€ (withdrawn 980,72€) |
| Property #1 | | 16,05€ | 1900€ | 2477,8€ |
| Property #2.1 | | 15,22€ | 2000€ | 2380,5€ |
| Property #2.2 | | 12,18€ | 1600€ | 1904,5€ |
| UpSteam syndicate | | 340€ | 649,4€ | |
| Tanker syndicate | | 500€ | 500€ | |
| Bikeep syndicate | | 500€ | 555€ | |
| Loss from selling defaults | -42,62€ | |||
| Total interests from companies accounts | 213,26€ (-7,33%) | 27740€ | 29483€ |
Total amount of interests received 215,88€! (-1,06%)
| Other incomes | ||
| Referral program (blog) | 82,88€ | |
| Affiliate commission | 44,14€ | |
| Total | 127,02€ |
_____________________________________
My feedback to the returns
In May I invested 433,29 in La Muu Syndicate and another 370€ to a B2P loan. The numbers are going a bit down due the reason I am slowly pulling out from Twino with my companies accounts. Also a huge loss from Omaraha loans, but still a decent profit.
My total passive income from investments from January 2018 to May 2019:
Mintos
I have a total of 5000 euros invested in Mintos and the platform generated me a total of 55,55€ of interests. Once again pretty darn close to the old record, but still far far away.
Click here for Mintos review – Mintos portfolio
Envestio
In May I received a total of 6,82€ of interest from Envestio. Envestio only had 7 projects in May to invest in, the number of projects should/could be higher. I’ve heard that the projects get fully funded in less than hours. A bit concerning for me. What do you think?
Envestio review – Envestio portfolio
Sign up to Envestio through my referral link, you will get a 5€ bonus when you deposit at least 100€. In addition, you will also get a 0,5% cash back on all your investments the first 270 days. That’s 9 full months!
Estateguru
Nothing spectacular happened in Estateguru. Like I’ve explained before, 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 March. This is all part of a plan and nothing to worry about.
Estateguru review – Estateguru portfolio
Crowdestate
A massive jump from April’s 0,91€ interest income to 10.55€ interest income in May.
Why? Received interests from Metsapargi tn 6, Alliku küla, Saue vald (II), Koru põik 1, Saue vald, Alliku küla (I) and Veskimöldre 2 projects.
Most of my money is invested and all of them are working hard!
B2P loans
Nothing much to add, the business to peers loan have been going well and the interests keep on coming!
Real-estate
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.
The apartment #2 is for sale now. Only a few potential buyers contaced us, mainly due to the reason the price is incredibly high. But oh well, if you won’t ask, they will not definitely give it to you. We will be lowering the price steadily until it is sold.
Bondora
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 months, then I will stop, due to the lack of investments in that P2P platform.
Bondora review – Bondora portfolio
Omaraha
Omaraha’s company account interests 81,5€ and loss from sold loans 42,62€. Which means the profit was 38,88€.
Under private account there was a total of 4,46€ of profit and 3 loss from sold loans, which means a total of 40,34€ of profit from Omaraha.
A massive 42,62€ of sold loans … C’mon Omaraha!
Twino
By the end of May, I have a little over 325€ of investments left on my Twino accounts. As I’ve mentioned before, I will exit with my companies accounts, but will still be investing with my private account. So you should be expecting the Twino income to drop down close to 1€ a month.
Twino review – Twino portfolio
UpSteam Syndicate
In October, I made a small investment of 340€ at Funderbeam into the company called UpSteam. My shares are worth 649,4€.
In March they announced that the next market they will expand to will be Finland. The expansion will start in the summer. The UpSteam app is also in large part complete but some bug testing, fixes, integrations etc need to be done yet. Will be revealed on 20th May the latest, hopefully sooner.
UpSteam got mentioned in Geenius.ee and Äripäev, technology and business news sites here in Estonia, google translate can help international investors: https://raha.geenius.ee/rubriik/uudis/mobiilset-autopesu-pakkuv-eesti-idufirma-upsteam-laieneb-esimesele-valisturule/
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 March my shares were worth 500€. I hope that the new brewery will up the numbers a lot. Read more at https://www.funderbeam.com/syndicate/tanker-brewery
Bikeep Syndicate
In March 2019, I invested 500€ into Bikeep through Funderbeam.
Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/
Losses
45,62€ of loss at the site Omaraha. A new record of total loss in euros from Omaraha.
Blog income
I decided to put the blog income and affiliate comissions into the same graph, hence the numbers are a bit bigger now.
In May, the blog and affiliate comissions generated a decent 127,02€ of income on its own.
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 May, I had a total of 1102 visitors at the blog, which is the new record! Woop woop!
Visitors: 1102 (+45,96%) Page views: 2379 (+37,03%).
Google Analytics stats about the blog
In May 2019, I had a total of 276 keywords shown at Google. Recorded a total of 118 clicks and 5659 impressions, which calculates to a 2,09% CTR.
A question to the IT-guys.
Why does my Google Analytic page show me % of total? Which one is the correct number for me to use/display?
Anyways, the average position of keywords keeps on dropping (which is a good thing) and now is at 20 (was 25).
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 the blog.
This is it, the end of May update!
How did your month go? Leave a comment and share your thoughts about the blog with me and other blog readers.
I see you have gotten some inspiration from https://financiallyfree.eu
Good job on the blogpost, going into much detail 🙂
I’m also from Estonia btw, doing very similar things (except for blog and marketing).
If you want to meet for a chat in some cafe in Tallinn, drop me an email 🙂