Hello and welcome, here is my investment portfolio update for November 2020.
Let’s dive right into it.
Monthly interest incomes: November 2020
| Private account | Info | Income | Value |
|---|---|---|---|
| Omaraha |  | 4,61€ | 333,45€ |
| Bondora | | 0€ (0%) | Exited with a loss of 65,57€ |
| Twino.eu | | 1,16€ | 152,94€ |
| Estateguru | | 0€ | 129,52€ |
| Loss from defaults | | 0€ | |
| Total | 5,77€ | 615,91€ |
| Companies accounts | Info | Income | Value |
|---|---|---|---|
| Mintos | | 19,61€ | 2014,35€ (withdrawn 4075,01€) |
| Omaraha | | 88,9€ | 5718,05€ (withdrawn 1350,26€) |
| Estateguru | | 4,27€ | 1216,9€ |
| Crowdestate | | 0€ | 567,96€ |
| B2P loans | | 91,04€ | 15493,26€ |
| Twino #2L | | 0,00€ | 0€ (withdrawn 1186,73€) |
| Twino #1M | | 0,00€ | 0€ (withdrawn 1109,19€) |
| Reinvest24 | | 0,61€ | 106,72€ |
| Property #1 | | 16,05€ | 2767,05€ |
| UpSteam syndicate 1 | | 612€ | |
| UpSteam syndicate 2 | | 800,1€ | |
| Tanker syndicate | | 325€ | |
| Bikeep syndicate | | 625€ | |
| La Muu syndicate | | 319,67€ | |
| Ampler Bikes 3 syndicate | | 3313,17€ | |
| Barking syndicate | | 1490,75€ | |
| Envestio | | 0€ | 0€ |
| Loss from defaults | -27,7€ | ||
| Total | 192,78€ | 35 369,98€ |
Total amount of passive income in November 2020: 198,55€!
Other incomes/side hustles:
| Referral program (blog) | 16,87€ | |
| Affiliate commission (Bonusway) | 1,32€ | |
| E-shop profit | 402,52€ | |
| Total | 420,17€ |
_____________________________________
Let’s dive deeper into the numbers
My total passive income from investments since November 2018 to November 2020:
Mintos
My Mintos portfolio is now at 2014,35€ and in November it generated me 19,61€ of interests.
Click here for Mintos review – Mintos portfolio
Estateguru
My Estateguru accounts interests income in November 2020: 4,27€.
Estateguru review – Estateguru portfolio
Crowdestate
Crowdestate income in November was 0€.
B2P loans
Just as exciting as before, the business to peers loan have been going well and the interests keep on coming!
Real-estate
Apartment #2 is 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.
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 review – Bondora portfolio
Omaraha
Total profit from Omaraha accounts were 65,81€.
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 1,16€ in November.
Twino review – Twino portfolio
Reinvest24
Seventh month investing at Reinvest24 and received a payment to my investing account.
Received 0.61€ of dividends.
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.
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 review – Envestio portfolio
UpSteam Syndicate 1
In October 2018, I made a small investment of 340€ at Funderbeam into the company called UpSteam. As of November 2020, my shares are worth 612€.
Read more about UpSteam – https://www.funderbeam.com/syndicate/upsteam
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 800,1€.
Read more about UpSteam Syndicate 2 – https://www.funderbeam.com/syndicate/upsteam-2/
Tanker Brewery Syndicate
I don’t really remember and know what I was thinking when I thought that participating in such a syndicate would be highly profitable.
Hopefully my Tanker syndicate will be close to my initial investment so I could pull out.
In September 2018, I made a small investment of 500€ at Funderbeam into the company called Tanker Brewery.
In November 2020 my shares were worth 325€.
Read more at https://www.funderbeam.com/syndicate/tanker-brewery
Bikeep Syndicate
In March 2019, I invested 500€ into Bikeep through Funderbeam.
As of the end of November the investment was worth 625€.
Read more about Bikeep – https://www.funderbeam.com/syndicate/bikeep/
Ampler Bikes 3 Syndicate
Well, would you look at that? Ampler 3 Syndicate went from 1644,3€ to 3313,17€ in a month, WOW.
In 2019 August, I invested 1357,02€ into Ampler Bikes 3 Syndicate.
Read more about Ampler Bikes 3 – https://www.funderbeam.com/syndicate/ampler-bikes3 
La Muu Syndicate
At the end of November my La Muu investment was worth 319,67€.
Read more about La Muu – https://www.funderbeam.com/syndicate/lamuu
Barking Syndicate
On 18th May 2020, I invested 499,15€ into Barking syndicate, which is now worth 1400.3€.
Read more about Barking – https://www.funderbeam.com/syndicate/barking
Losses
Loss from Omaraha sold 27,7€.
Side hustles
#1 Blog income: TargetCircle/CircleWise and Bonusway
In June 2020, 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 November the blog and referral comissions generated 16,87€;
Other side hustles generated: 403,84€;
Total income from side hustles: 420,71€.
More detailed payout from TargetCircle/CircleWise:
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
No wholesale orders in November, but had a few bigger retail sales on the site, which generated a hefty 4 digit revenue at the end of the month.
I am not running ads nor anything to promote my business. Just a few blog posts and few Facebook posts per week. I am doing my own SEO, so the only cost to run this e-shop is hosting, which is quite cheap.
November’s total revenue: 1066,78€.
Shipping costs: 61,50€.
Total profit from sales: 402,52€.
E-shop sales in November:
#3 Niche Site nr.1 report
On 22nd April 2020, I started my first niche site.
Niche site #1 Amazon earnings report for November 2020:
Sadly no sales in November.
#4 Siteground income
There were even no clicks on the affiliate links, so sadly no actions here.
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#5 Revolut income
Am I seeing this correctly? 8 clicks and 1 action?
Eventhough the action didn’t generate any sales, it’s something.
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Get your free Revolut VISA card now!
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Blog stats for November 2020
A total of 1762 visitors visited my blog and had a total of 3074 views.
Google Analytics queries/keywords stats about the blog
In November 2020, I showed up at 915 Google search queries. Recorded a total of 309 clicks and 24 572 impressions, which calculates to a 1.26% 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 host multiple podcasts, publish financial articles and bloggers blog posts daily, so overall a great site with even greater people behind it.
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 November 2020!
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