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I’m switching from Twino to Mintos

Twino vs. Mintos

Disclosure: All links to products and services mentioned on FinanciallyFree.eu are affiliate links. If you go through them to sign up for a service I will earn a commission. Sometimes you will receive a bonus too.

Twino vs. Mintos

Twino has been serving me well over the past 1½ years. I have been able to get a 13.58% Return (XIRR) since I started. About 6 months ago the interest rates started dropping from 13-14% to 12% and now 10-11%. On top of that, the 11% loan availability has been relatively low. If you only use the Auto-Invest setting, often the funds will not be reinvested for several days. I have not been overly happy with that, given the large amount invested. Continue reading “I’m switching from Twino to Mintos”

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Portfolio update November 2017

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestate review

Disclosure: All links to products and services mentioned on FinanciallyFree.eu are affiliate links. If you go through them to sign up for a service I will earn a commission. Sometimes you will receive a bonus too.

Monthly cash flow for November

Bondora returned 130,82€ (-90,09€ less than last month)

Twino returned 119,10€ (+5,61€ more than last month)

Swaper returned 75,43€ (+2,26€ more than last month)

Robocash returned 31,24€ (-1,52€ less than last month)

Crowdestate returned 46,31€ (-7,11€ less than last month)

Mintos returned 12,17€ (+0,11€ more than last month)

This gives me a total of 415,07 (-90,97€ less than last month)
which equals 13,84% of my first goal (-3,03% less than last month) Continue reading “Portfolio update November 2017”

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Portfolio update October 2017

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestate review

Disclosure: All links to products and services mentioned on FinanciallyFree.eu are affiliate links. If you go through them to sign up for a service I will earn a commission. Sometimes you will receive a bonus too.

Monthly cash flow for October

Bondora returned 220,91€ (-15,03€ less than last month)

Twino returned 113,49€ (-6,06€ less than last month)

Swaper returned 73,17€ (+21,07€ more than last month)

Robocash returned 32,76€ (-3,06€ less than last month)

Crowdestate returned 53,42€ (+32,08€ more than last month)

Mintos returned 12,06€ (-0,27€ less than last month)

This gives me a total of 506,04€ (+28,96€ more than last month)
which equals 16,87% of my first goal (+0,97% more than last month) Continue reading “Portfolio update October 2017”

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Robocash loan shortage

Robocash loan shortage

Disclosure: All links to products and services mentioned on FinanciallyFree.eu are affiliate links. If you go through them to sign up for a service I will earn a commission. Sometimes you will receive a bonus too.

Shortage of loans has been an issue for several P2P platforms and now it seems to have hit Robocash too.

This morning I noticed that 327€, about 10% of my Robocash portfolio, was not invested. I checked the “Available loans” site and for the first time the list was empty… (!) Continue reading “Robocash loan shortage”