Alternative investments blog
Everything I learn about p2p lending, real estate crowdfunding, startup investing, stocks and bonds. And lots more.
What's this blog about
I’m not the most social person, but I try to keep an active presence on social media. You can keep up with my updates on any of these platforms.
In the past year I’ve invested in more than 30 p2p lending platforms. My main drive was curiosity, but now I have a unique view on the European p2p lending landscape.
Real estate crowdfunding
If you’d like to invest in real estate but you don’t want the hassle of managing a property, the following platforms might interest you.
Reviews on the best European equity crowdfunding platforms.
October is the month I usually get fat. It’s always raining outside, it’s cold and suddenly, I have nothing physical to do. I’m still eating the same but I’m burning less energy and the excess starts to get visible. Each year I make plans to go to the gym, and each year I remember how boring it is to do the same things over and over and quietly decide not to.
These are the most important criteria I’m considering when investing in a p2p lending platform: transparency, loan security, track record, liquidity, account security, diversification and returns. Based on these, I ranked all the p2p lending platforms I've invested in.
I was a bit sceptical 6 months ago when Monethera projects had few details and you couldn’t see almost anything about the loans you were supposed to invest in. Since then, Monethera evolved a lot and my trust in them increased as well.
Wisefund is a new and promising p2p business lending platform from Estonia. With an average interest rate of 18% on its loans, it promises its investors good returns. The company was founded only in March 2019, and as of November, it has around 1500 investors who invested a bit over 3 million EUR on the platform.
TFG Crowd is one of the newest p2p business lending platforms from Europe. I’ve created my account in June and so far I’ve invested 1500 EUR in 14 of the projects published on the platform. So far, I’ve received 67 EUR in interest payments from the projects I’ve invested in (a 16.15% annual return).
EstateGuru is a peer to peer lending platform easy to use. They had their website redesigned in October 2018, and the user experience it offers now is really great. The loans available here have decent return rates at around 10% – 12%. The default rate is very low, and all loans are property-backed and come with decent LTV ratios. The auto-invest feature is helpful and I might use it in the future when my portfolio is bigger. With the addition of the secondary market, EstateGuru is now a complete p2p lending platform.