I’m switching from Twino to Mintos

Twino vs. Mintos

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”

Portfolio update November 2017

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestate reviewMonthly 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”

Portfolio update October 2017

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

Portfolio update September 2017

Portfolio P2P investments Swaper Robo.cash Twino Mintos Bondora Crowdestate review
Monthly cash flow for September

Bondora returned 235,94€ (+66,69€ more than last month)

Twino returned 119,55€ (+1,56€ more than last month)

Swaper returned 52,10€ (-10,22€ less than last month)

Robocash returned 35,82€ (+14,61 more than last month)

Crowdestate returned 21,34€ (first repayment)

Mintos returned 12,33€ (+0,44€ more than last month)

This gives me a total of 477,08€ (+94,42€ more than last month)
which equals 15,90% of my first goal (+3,15% more than last month) Continue reading “Portfolio update September 2017”

Portfolio update June 2017

Summary of June

June was the first full month with Swaper. I’m pleased to say it has been a hassle free experience. The Auto Invest reinvested everything daily, no manual action was required.

Twino on the other hand needs 100% manual investing at the moment if you’re going for the 12% loans. And even with the manual work you still have to know exactly when the loans are released to get any. If things doesn’t change over the next month I will probably start transferring the funds to Swaper instead. Less work and higher returns. Continue reading “Portfolio update June 2017”